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Innovation in Financial Services Based on Information Technology: the Case of Personal Financing Service

机译:基于信息技术的金融服务创新:以个人理财服务为例

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摘要

While improved technology may result in better information processing, it might also lead to lower costs or even free access to innovation in financial services, in particular, to innovation of personal services. This paper presents an in-depth analysis of the current trends in the personal financing innovation arising from the improvement of information technology. Owing to the synchronization of development process, path-dependence of information technology on innovation and interaction among personal demands-pulling and new technologypushing, information technology is the driving force of innovation in personal financing service.
机译:虽然改进的技术可以带来更好的信息处理,但也可能导致成本降低,甚至可以免费获得金融服务创新,特别是个人服务创新。本文对由于信息技术的改进而引起的个人理财创新的当前趋势进行了深入分析。由于发展过程的同步,信息技术对创新的路径依赖以及个人需求拉动与新技术推动之间的相互作用,信息技术成为个人理财服务创新的动力。

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