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題名 建構金融生態圈成功要素之研究
A Study of Success Factors of Establishing Digital Business Ecosystems in the Financial Industry作者 王澤恩
Wang, Ze-En貢獻者 尚孝純
Shang, Shari
王澤恩
Wang, Ze-En關鍵詞 數位生態系統
金融生態圈
金融即服務
金融即平台
開放銀行
金融 4.0
Digital business ecosystem
Banking as a Service
Banking as a Platform
Open banking
Bank 4.0日期 2022 上傳時間 1-Aug-2022 17:24:12 (UTC+8) 摘要 隨著資訊科技的發展,消費者使用金融服務的習慣已在近幾年有了很大的轉變。金融服務的場景將從銀行實體轉為對消費者更為方便的方式進行。發展數位生態系統是金融業近期滿足消費者需求並達到創新的重要策略之一。目前在全世界及台灣的金融業專家認為金融業所發展的數位生態系統大致有三種類別,分別為金融即服務、金融即平台、開放銀行。本研究主要探究建構金融生態圈之重要因素,並使用多個案研究方法得到全面且具有深度的洞察發現。個案在發展金融生態圈時,皆會基於其重要資源及競爭優勢發展出不同的生態系統樣貌。然而,我們從個案中發現金融業建構金融生態圈的五大重要元素,並透過科技、組織、環境框架提出了數位生態系統的重要階段及執行活動。其能使企業在建構數位生態系統時,能夠運作順暢並獲得較好的發展。
In the digital era, banking services are not conducted inside a bank, but in a way that is more convenient for people. Consumer behavior in banking services has undergone a profound change. A Digital Business Ecosystem (DBE) is a significant strategy to meet customers’ needs and create innovations for banks. In the financial industry, there are three prevalent types of DBEs: Banking as a Service, Banking as a Platform and Open Banking. This paper studies the important factors for the DBEs in the financial industry. To achieve this purpose, we use multiple-case study analysis to enhance our understanding. Furthermore, our study suggests that five key resources of DBEs from the cases. The financial companies developed various DBEs based on their competitive advantages and resources. Finally, we used technology, organization and environment framework to suggest the core activities of establishing DBEs that could make the DBE work smoothly.參考文獻 Adner, R. (2006). Match your innovation strategy to your innovation ecosystem. Harvard business review, 84(4), 98.Adner, R. (2017). Ecosystem as Structure:An Actionable Construct for Strategy. Journal of Management, 43(1), 39-58. doi:10.1177/0149206316678451Aier, S. (2014). The role of organizational culture for grounding, management, guidance and effectiveness of enterprise architecture principles. Information Systems and e-Business Management, 12(1), 43-70. doi:10.1007/s10257-012-0206-8Andrew, C., & Neil, M. (2021). Banking as a Service, Explained: What it is, Why it’s Important and How to Play. Deloitte Consulting LLP. Retrieved from https://www2.deloitte.com/cn/en/pages/financial-services/articles/importance-of-banking-as-a-service.htmlChen, Y., Pereira, I., & Patel, P. C. (2021). Decentralized Governance of Digital Platforms. Journal of Management, 47(5), 1305-1337. doi:10.1177/0149206320916755Clarysse, B., Wright, M., Bruneel, J., & Mahajan, A. (2014). Creating value in ecosystems: Crossing the chasm between knowledge and business ecosystems. Research Policy, 43(7), 1164-1176. doi:https://doi.org/10.1016/j.respol.2014.04.014Dattée, B., Alexy, O., & Autio, E. (2018). Maneuvering in Poor Visibility: How Firms Play the Ecosystem Game when Uncertainty is High. Academy of Management Journal, 61(2), 466-498. doi:10.5465/amj.2015.0869Eisenhardt, K. M. (1989). Building theories from case study research. Academy of management review, 14(4), 532-550.Eisenhardt, K. M., & Graebner, M. E. (2007). Theory building from cases: Opportunities and challenges. Academy of Management Journal, 50(1), 25-32. doi:10.5465/AMJ.2007.24160888Graça, P., & Camarinha-Matos, L. M. (2017). Performance indicators for collaborative business ecosystems — Literature review and trends. Technological Forecasting and Social Change, 116, 237-255. doi:https://doi.org/10.1016/j.techfore.2016.10.012Gueler, M. S., & Schneider, S. (2021). The resource-based view in business ecosystems: A perspective on the determinants of a valuable resource and capability. Journal of Business Research, 133, 158-169. doi:https://doi.org/10.1016/j.jbusres.2021.04.061Hanafizadeh, P., & Marjaie, S. (2021). Exploring banking business model types: A cognitive view. Digital Business, 1(2), 100012. doi:https://doi.org/10.1016/j.digbus.2021.100012Hannah, D. P., & Eisenhardt, K. M. (2018). How firms navigate cooperation and competition in nascent ecosystems. Strategic Management Journal, 39(12), 3163-3192. doi:https://doi.org/10.1002/smj.2750Hendler, J., & Golbeck, J. (2008). Metcalfe`s law, Web 2.0, and the Semantic Web. Journal of Web Semantics, 6(1), 14-20. doi:https://doi.org/10.1016/j.websem.2007.11.008Iansiti, M., & Lakhani, K. R. (2014). Digital ubiquity:: How connections, sensors, and data are revolutionizing business. Harvard business review, 92(11), 19.Iansiti, M., & Levien, R. (2004). The keystone advantage: what the new dynamics of business ecosystems mean for strategy, innovation, and sustainability: Harvard Business Press.Jacobides, M. G., Cennamo, C., & Gawer, A. (2018). Towards a theory of ecosystems. Strategic Management Journal, 39(8), 2255-2276. doi:https://doi.org/10.1002/smj.2904Joo, J., & Shin, M. M. (2018). Building sustainable business ecosystems through customer participation: A lesson from South Korean cases. Asia Pacific Management Review, 23(1), 1-11. doi:https://doi.org/10.1016/j.apmrv.2017.01.001King, B. (2018). Bank 4.0: Banking everywhere, never at a bank: John Wiley & Sons.Korpela, K., Hallikas, J., & Dahlberg, T. (2017). Digital supply chain transformation toward blockchain integration. Paper presented at the proceedings of the 50th Hawaii international conference on system sciences.Kretschmer, T., Leiponen, A., Schilling, M., & Vasudeva, G. (2022). Platform ecosystems as meta-organizations: Implications for platform strategies. Strategic Management Journal, 43(3), 405-424. doi:https://doi.org/10.1002/smj.3250Laudon, K. C., & Laudon, J. P. (2015). Management information system: Pearson Education India.Li, Y.-R. (2009). The technological roadmap of Cisco`s business ecosystem. Technovation, 29(5), 379-386. doi:https://doi.org/10.1016/j.technovation.2009.01.007Lingens, B., Huber, F., & Gassmann, O. (2021). Loner or team player: How firms allocate orchestrator tasks amongst ecosystem actors. European Management Journal. doi:https://doi.org/10.1016/j.emj.2021.09.001Lingens, B., Miehé, L., & Gassmann, O. (2021). The ecosystem blueprint: How firms shape the design of an ecosystem according to the surrounding conditions. Long Range Planning, 54(2), 102043. doi:https://doi.org/10.1016/j.lrp.2020.102043Manser Payne, E. H., Dahl, A. J., & Peltier, J. (2021). Digital servitization value co-creation framework for AI services: a research agenda for digital transformation in financial service ecosystems. Journal of Research in Interactive Marketing, 15(2), 200-222. doi:10.1108/JRIM-12-2020-0252Maynard, S. J. (1974). Models in ecology. Cambridge UP, Cambridge.Moore, & F, J. (1996). The death of competition: leadership and strategy in the age of business ecosystems: New York: Harper Business.Moore, J. F. (1993). Predators and prey: a new ecology of competition. Harvard business review, 71(3), 75-86. Retrieved from https://www.scopus.com/inward/record.uri?eid=2-s2.0-0027603238&partnerID=40&md5=74f28b865254a660ad7b7069271abe56Myers, M. D., & Newman, M. (2007). The qualitative interview in IS research: Examining the craft. Information and Organization, 17(1), 2-26. doi:https://doi.org/10.1016/j.infoandorg.2006.11.001Nachira, F., Dini, P., & Nicolai, A. (2007). A network of digital business ecosystems for Europe: roots, processes and perspectives. European Commission, Bruxelles, Introductory Paper, 106.Nasiri, M., Ukko, J., Saunila, M., & Rantala, T. (2020). Managing the digital supply chain: The role of smart technologies. Technovation, 96-97, 102121. doi:https://doi.org/10.1016/j.technovation.2020.102121O`Mahony, S., & Karp, R. (2022). From proprietary to collective governance: How do platform participation strategies evolve? Strategic Management Journal, 43(3), 530-562. doi:https://doi.org/10.1002/smj.3150Pan, S., Trentesaux, D., McFarlane, D., Montreuil, B., Ballot, E., & Huang, G. Q. (2021). Digital interoperability in logistics and supply chain management: state-of-the-art and research avenues towards Physical Internet. Computers in Industry, 128, 103435. doi:https://doi.org/10.1016/j.compind.2021.103435Panico, C., & Cennamo, C. (2022). User preferences and strategic interactions in platform ecosystems. Strategic Management Journal, 43(3), 507-529. doi:https://doi.org/10.1002/smj.3149Peltoniemi, M. (2006). Preliminary theoretical framework for the study of business ecosystems. EMERGENCE-MAHWAH-LAWRENCE ERLBAUM-, 8(1), 10.Rosa, J. L. d. l., Hormazabal, N., Aciar, S., Lopardo, G. A., Trias, A., & Montaner, M. (2011). A Negotiation-Style Recommender Based on Computational Ecology in Open Negotiation Environments. IEEE Transactions on Industrial Electronics, 58(6), 2073-2085. doi:10.1109/TIE.2009.2027917Selander, L., Henfridsson, O., & Svahn, F. (2013). Capability Search and Redeem across Digital Ecosystems. Journal of Information Technology, 28(3), 183-197. doi:10.1057/jit.2013.14Senyo, P. K., Liu, K., & Effah, J. (2018). A Framework for Assessing the Social Impact of Interdependencies in Digital Business Ecosystems. In (pp. 125-135).Senyo, P. K., Liu, K., & Effah, J. (2019). Digital business ecosystem: Literature review and a framework for future research. International Journal of Information Management, 47, 52-64. doi:https://doi.org/10.1016/j.ijinfomgt.2019.01.002Shaikh, A. A., Sharma, R., & Karjaluoto, H. (2020). Digital innovation & enterprise in the sharing economy: An action research agenda. Digital Business, 1(1), 100002. doi:https://doi.org/10.1016/j.digbus.2021.100002Shipilov, A., & Gawer, A. (2020). Integrating research on interorganizational networks and ecosystems. Academy of Management Annals, 14(1), 92-121.Stanley, J., & Briscoe, G. (2010). The ABC of digital business ecosystems. arXiv preprint arXiv:1005.1899.Stuart, I., McCutcheon, D., Handfield, R., McLachlin, R., & Samson, D. (2002). Effective case research in operations management: a process perspective. Journal of Operations Management, 20(5), 419-433. doi:https://doi.org/10.1016/S0272-6963(02)00022-0Sun, X., & Zhang, Q. (2021). Building digital incentives for digital customer orientation in platform ecosystems. Journal of Business Research, 137, 555-566. doi:https://doi.org/10.1016/j.jbusres.2021.08.068Tornatzky, L. G., Fleischer, M., & Chakrabarti, A. K. (1990). Processes of technological innovation. Lexington books.Weiss, S., Aier, S., & Winter, R. (2013). Institutionalization and the Effectiveness of Enterprise Architecture Management (Vol. 3).Yin, R. K. (1981). The Case Study Crisis: Some Answers. Administrative Science Quarterly, 26(1), 58-65. doi:10.2307/2392599 描述 碩士
國立政治大學
資訊管理學系
109356033資料來源 http://thesis.lib.nccu.edu.tw/record/#G0109356033 資料類型 thesis dc.contributor.advisor 尚孝純 zh_TW dc.contributor.advisor Shang, Shari en_US dc.contributor.author (Authors) 王澤恩 zh_TW dc.contributor.author (Authors) Wang, Ze-En en_US dc.creator (作者) 王澤恩 zh_TW dc.creator (作者) Wang, Ze-En en_US dc.date (日期) 2022 en_US dc.date.accessioned 1-Aug-2022 17:24:12 (UTC+8) - dc.date.available 1-Aug-2022 17:24:12 (UTC+8) - dc.date.issued (上傳時間) 1-Aug-2022 17:24:12 (UTC+8) - dc.identifier (Other Identifiers) G0109356033 en_US dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/141042 - dc.description (描述) 碩士 zh_TW dc.description (描述) 國立政治大學 zh_TW dc.description (描述) 資訊管理學系 zh_TW dc.description (描述) 109356033 zh_TW dc.description.abstract (摘要) 隨著資訊科技的發展,消費者使用金融服務的習慣已在近幾年有了很大的轉變。金融服務的場景將從銀行實體轉為對消費者更為方便的方式進行。發展數位生態系統是金融業近期滿足消費者需求並達到創新的重要策略之一。目前在全世界及台灣的金融業專家認為金融業所發展的數位生態系統大致有三種類別,分別為金融即服務、金融即平台、開放銀行。本研究主要探究建構金融生態圈之重要因素,並使用多個案研究方法得到全面且具有深度的洞察發現。個案在發展金融生態圈時,皆會基於其重要資源及競爭優勢發展出不同的生態系統樣貌。然而,我們從個案中發現金融業建構金融生態圈的五大重要元素,並透過科技、組織、環境框架提出了數位生態系統的重要階段及執行活動。其能使企業在建構數位生態系統時,能夠運作順暢並獲得較好的發展。 zh_TW dc.description.abstract (摘要) In the digital era, banking services are not conducted inside a bank, but in a way that is more convenient for people. Consumer behavior in banking services has undergone a profound change. A Digital Business Ecosystem (DBE) is a significant strategy to meet customers’ needs and create innovations for banks. In the financial industry, there are three prevalent types of DBEs: Banking as a Service, Banking as a Platform and Open Banking. This paper studies the important factors for the DBEs in the financial industry. To achieve this purpose, we use multiple-case study analysis to enhance our understanding. Furthermore, our study suggests that five key resources of DBEs from the cases. The financial companies developed various DBEs based on their competitive advantages and resources. Finally, we used technology, organization and environment framework to suggest the core activities of establishing DBEs that could make the DBE work smoothly. en_US dc.description.tableofcontents 1 Introduction, Motivation, and Research Objectives 21.1 Background 21.2 Motivation 41.3 Research Objectives and Research Questions 42 Literature Review 52.1 DBEs 52.2 Characteristics of DBEs 62.3 Impact of DBEs 72.4 Different Types of DBEs in the Financial Industry 92.5 Challenges of Building DBEs 103 Research Design 123.1 Research Methodology 123.2 Data Collection 133.3 Data Analysis 144 Case Result 184.1 The Case of Cathay 184.2 The Case of Taishin 214.3 The Case of First Bank 244.4 Cross-case Analysis 265 Conclusion 355.1 Summary 355.2 Contribution 365.3 Limitations & Future Research 38References 39 zh_TW dc.format.extent 819696 bytes - dc.format.mimetype application/pdf - dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0109356033 en_US dc.subject (關鍵詞) 數位生態系統 zh_TW dc.subject (關鍵詞) 金融生態圈 zh_TW dc.subject (關鍵詞) 金融即服務 zh_TW dc.subject (關鍵詞) 金融即平台 zh_TW dc.subject (關鍵詞) 開放銀行 zh_TW dc.subject (關鍵詞) 金融 4.0 zh_TW dc.subject (關鍵詞) Digital business ecosystem en_US dc.subject (關鍵詞) Banking as a Service en_US dc.subject (關鍵詞) Banking as a Platform en_US dc.subject (關鍵詞) Open banking en_US dc.subject (關鍵詞) Bank 4.0 en_US dc.title (題名) 建構金融生態圈成功要素之研究 zh_TW dc.title (題名) A Study of Success Factors of Establishing Digital Business Ecosystems in the Financial Industry en_US dc.type (資料類型) thesis en_US dc.relation.reference (參考文獻) Adner, R. (2006). Match your innovation strategy to your innovation ecosystem. Harvard business review, 84(4), 98.Adner, R. (2017). Ecosystem as Structure:An Actionable Construct for Strategy. Journal of Management, 43(1), 39-58. doi:10.1177/0149206316678451Aier, S. (2014). The role of organizational culture for grounding, management, guidance and effectiveness of enterprise architecture principles. Information Systems and e-Business Management, 12(1), 43-70. doi:10.1007/s10257-012-0206-8Andrew, C., & Neil, M. (2021). Banking as a Service, Explained: What it is, Why it’s Important and How to Play. Deloitte Consulting LLP. Retrieved from https://www2.deloitte.com/cn/en/pages/financial-services/articles/importance-of-banking-as-a-service.htmlChen, Y., Pereira, I., & Patel, P. C. (2021). Decentralized Governance of Digital Platforms. Journal of Management, 47(5), 1305-1337. doi:10.1177/0149206320916755Clarysse, B., Wright, M., Bruneel, J., & Mahajan, A. (2014). Creating value in ecosystems: Crossing the chasm between knowledge and business ecosystems. Research Policy, 43(7), 1164-1176. doi:https://doi.org/10.1016/j.respol.2014.04.014Dattée, B., Alexy, O., & Autio, E. (2018). Maneuvering in Poor Visibility: How Firms Play the Ecosystem Game when Uncertainty is High. Academy of Management Journal, 61(2), 466-498. doi:10.5465/amj.2015.0869Eisenhardt, K. M. (1989). Building theories from case study research. Academy of management review, 14(4), 532-550.Eisenhardt, K. M., & Graebner, M. E. (2007). Theory building from cases: Opportunities and challenges. Academy of Management Journal, 50(1), 25-32. doi:10.5465/AMJ.2007.24160888Graça, P., & Camarinha-Matos, L. M. (2017). Performance indicators for collaborative business ecosystems — Literature review and trends. Technological Forecasting and Social Change, 116, 237-255. doi:https://doi.org/10.1016/j.techfore.2016.10.012Gueler, M. S., & Schneider, S. (2021). The resource-based view in business ecosystems: A perspective on the determinants of a valuable resource and capability. Journal of Business Research, 133, 158-169. doi:https://doi.org/10.1016/j.jbusres.2021.04.061Hanafizadeh, P., & Marjaie, S. (2021). Exploring banking business model types: A cognitive view. Digital Business, 1(2), 100012. doi:https://doi.org/10.1016/j.digbus.2021.100012Hannah, D. P., & Eisenhardt, K. M. (2018). How firms navigate cooperation and competition in nascent ecosystems. Strategic Management Journal, 39(12), 3163-3192. doi:https://doi.org/10.1002/smj.2750Hendler, J., & Golbeck, J. (2008). Metcalfe`s law, Web 2.0, and the Semantic Web. Journal of Web Semantics, 6(1), 14-20. doi:https://doi.org/10.1016/j.websem.2007.11.008Iansiti, M., & Lakhani, K. R. (2014). Digital ubiquity:: How connections, sensors, and data are revolutionizing business. Harvard business review, 92(11), 19.Iansiti, M., & Levien, R. (2004). The keystone advantage: what the new dynamics of business ecosystems mean for strategy, innovation, and sustainability: Harvard Business Press.Jacobides, M. G., Cennamo, C., & Gawer, A. (2018). Towards a theory of ecosystems. Strategic Management Journal, 39(8), 2255-2276. doi:https://doi.org/10.1002/smj.2904Joo, J., & Shin, M. M. (2018). Building sustainable business ecosystems through customer participation: A lesson from South Korean cases. Asia Pacific Management Review, 23(1), 1-11. doi:https://doi.org/10.1016/j.apmrv.2017.01.001King, B. (2018). Bank 4.0: Banking everywhere, never at a bank: John Wiley & Sons.Korpela, K., Hallikas, J., & Dahlberg, T. (2017). Digital supply chain transformation toward blockchain integration. Paper presented at the proceedings of the 50th Hawaii international conference on system sciences.Kretschmer, T., Leiponen, A., Schilling, M., & Vasudeva, G. (2022). Platform ecosystems as meta-organizations: Implications for platform strategies. Strategic Management Journal, 43(3), 405-424. doi:https://doi.org/10.1002/smj.3250Laudon, K. C., & Laudon, J. P. (2015). Management information system: Pearson Education India.Li, Y.-R. (2009). The technological roadmap of Cisco`s business ecosystem. Technovation, 29(5), 379-386. doi:https://doi.org/10.1016/j.technovation.2009.01.007Lingens, B., Huber, F., & Gassmann, O. (2021). Loner or team player: How firms allocate orchestrator tasks amongst ecosystem actors. European Management Journal. doi:https://doi.org/10.1016/j.emj.2021.09.001Lingens, B., Miehé, L., & Gassmann, O. (2021). The ecosystem blueprint: How firms shape the design of an ecosystem according to the surrounding conditions. Long Range Planning, 54(2), 102043. doi:https://doi.org/10.1016/j.lrp.2020.102043Manser Payne, E. H., Dahl, A. J., & Peltier, J. (2021). Digital servitization value co-creation framework for AI services: a research agenda for digital transformation in financial service ecosystems. Journal of Research in Interactive Marketing, 15(2), 200-222. doi:10.1108/JRIM-12-2020-0252Maynard, S. J. (1974). Models in ecology. Cambridge UP, Cambridge.Moore, & F, J. (1996). The death of competition: leadership and strategy in the age of business ecosystems: New York: Harper Business.Moore, J. F. (1993). Predators and prey: a new ecology of competition. Harvard business review, 71(3), 75-86. Retrieved from https://www.scopus.com/inward/record.uri?eid=2-s2.0-0027603238&partnerID=40&md5=74f28b865254a660ad7b7069271abe56Myers, M. D., & Newman, M. (2007). The qualitative interview in IS research: Examining the craft. Information and Organization, 17(1), 2-26. doi:https://doi.org/10.1016/j.infoandorg.2006.11.001Nachira, F., Dini, P., & Nicolai, A. (2007). A network of digital business ecosystems for Europe: roots, processes and perspectives. European Commission, Bruxelles, Introductory Paper, 106.Nasiri, M., Ukko, J., Saunila, M., & Rantala, T. (2020). Managing the digital supply chain: The role of smart technologies. Technovation, 96-97, 102121. doi:https://doi.org/10.1016/j.technovation.2020.102121O`Mahony, S., & Karp, R. (2022). From proprietary to collective governance: How do platform participation strategies evolve? Strategic Management Journal, 43(3), 530-562. doi:https://doi.org/10.1002/smj.3150Pan, S., Trentesaux, D., McFarlane, D., Montreuil, B., Ballot, E., & Huang, G. Q. (2021). Digital interoperability in logistics and supply chain management: state-of-the-art and research avenues towards Physical Internet. Computers in Industry, 128, 103435. doi:https://doi.org/10.1016/j.compind.2021.103435Panico, C., & Cennamo, C. (2022). User preferences and strategic interactions in platform ecosystems. Strategic Management Journal, 43(3), 507-529. doi:https://doi.org/10.1002/smj.3149Peltoniemi, M. (2006). Preliminary theoretical framework for the study of business ecosystems. EMERGENCE-MAHWAH-LAWRENCE ERLBAUM-, 8(1), 10.Rosa, J. L. d. l., Hormazabal, N., Aciar, S., Lopardo, G. A., Trias, A., & Montaner, M. (2011). A Negotiation-Style Recommender Based on Computational Ecology in Open Negotiation Environments. IEEE Transactions on Industrial Electronics, 58(6), 2073-2085. doi:10.1109/TIE.2009.2027917Selander, L., Henfridsson, O., & Svahn, F. (2013). Capability Search and Redeem across Digital Ecosystems. Journal of Information Technology, 28(3), 183-197. doi:10.1057/jit.2013.14Senyo, P. K., Liu, K., & Effah, J. (2018). A Framework for Assessing the Social Impact of Interdependencies in Digital Business Ecosystems. In (pp. 125-135).Senyo, P. K., Liu, K., & Effah, J. (2019). Digital business ecosystem: Literature review and a framework for future research. International Journal of Information Management, 47, 52-64. doi:https://doi.org/10.1016/j.ijinfomgt.2019.01.002Shaikh, A. A., Sharma, R., & Karjaluoto, H. (2020). Digital innovation & enterprise in the sharing economy: An action research agenda. Digital Business, 1(1), 100002. doi:https://doi.org/10.1016/j.digbus.2021.100002Shipilov, A., & Gawer, A. (2020). Integrating research on interorganizational networks and ecosystems. Academy of Management Annals, 14(1), 92-121.Stanley, J., & Briscoe, G. (2010). The ABC of digital business ecosystems. arXiv preprint arXiv:1005.1899.Stuart, I., McCutcheon, D., Handfield, R., McLachlin, R., & Samson, D. (2002). Effective case research in operations management: a process perspective. Journal of Operations Management, 20(5), 419-433. doi:https://doi.org/10.1016/S0272-6963(02)00022-0Sun, X., & Zhang, Q. (2021). Building digital incentives for digital customer orientation in platform ecosystems. Journal of Business Research, 137, 555-566. doi:https://doi.org/10.1016/j.jbusres.2021.08.068Tornatzky, L. G., Fleischer, M., & Chakrabarti, A. K. (1990). Processes of technological innovation. Lexington books.Weiss, S., Aier, S., & Winter, R. (2013). 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