{"id":"https://openalex.org/W2084595693","doi":"https://doi.org/10.1111/j.1467-8551.1996.tb00105.x","title":"Technical Innovation and Competitive Advantage in Retail Financial Services: A Case Study of Change and Industry Response","display_name":"Technical Innovation and Competitive Advantage in Retail Financial Services: A Case Study of Change and Industry Response","publication_year":1996,"publication_date":"1996-03-01","ids":{"openalex":"https://openalex.org/W2084595693","doi":"https://doi.org/10.1111/j.1467-8551.1996.tb00105.x","mag":"2084595693"},"language":"en","primary_location":{"id":"doi:10.1111/j.1467-8551.1996.tb00105.x","doi":"https://doi.org/10.1111/j.1467-8551.1996.tb00105.x","is_oa":false,"landing_page_url":"https://doi.org/10.1111/j.1467-8551.1996.tb00105.x","pdf_url":null,"source":{"id":"https://openalex.org/S184126201","display_name":"British Journal of Management","issn_l":"1045-3172","issn":["1045-3172","1467-8551"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a-star","anvur-class-a","anvur-scientific","cwts-core","erih-plus","fnege-2","jufo-3","norway-2","poland-100","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310320595","host_organization_name":"Wiley","host_organization_lineage":["https://openalex.org/P4310320595"],"host_organization_lineage_names":["Wiley"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"British Journal of Management","raw_type":"journal-article"},"volume":null,"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5101535300","display_name":"Timothy Morris","orcid":"https://orcid.org/0000-0001-6390-5390","observed_orcids":["https://orcid.org/0000-0001-6390-5390"]},"institutions":[{"id":"https://openalex.org/I61544103","display_name":"London Business School","ror":"https://ror.org/001c2sn75","country_code":"GB","type":"education","lineage":["https://openalex.org/I124357947","https://openalex.org/I61544103"]}],"countries":["GB"],"is_corresponding":false,"raw_author_name":"Timothy Morris","raw_affiliation_strings":["London Business School, Sussex Place, Regent's Park, London, NW1 4SA, UK"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"London Business School, Sussex Place, Regent's Park, London, NW1 4SA, UK","institution_ids":["https://openalex.org/I61544103"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5034456623","display_name":"Roy Westbrook","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I61544103","display_name":"London Business School","ror":"https://ror.org/001c2sn75","country_code":"GB","type":"education","lineage":["https://openalex.org/I124357947","https://openalex.org/I61544103"]}],"countries":["GB"],"is_corresponding":false,"raw_author_name":"Roy Westbrook","raw_affiliation_strings":["London Business School, Sussex Place, Regent's Park, London, NW1 4SA, UK"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"London Business School, Sussex Place, Regent's Park, London, NW1 4SA, UK","institution_ids":["https://openalex.org/I61544103"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I61544103"],"apc_list":{"value":3900,"currency":"USD","value_usd":3900},"apc_paid":null,"fwci":1.9371,"has_fulltext":false,"cited_by_count":77,"citation_normalized_percentile":{"value":0.88566102,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":88,"max":99},"biblio":{"volume":"7","issue":"1","first_page":"45","last_page":"61"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11572","display_name":"Information Technology Governance and Strategy","score":0.6362000107765198,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11572","display_name":"Information Technology Governance and Strategy","score":0.6362000107765198,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.1607999950647354,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10003","display_name":"Innovation and Knowledge Management","score":0.05620000138878822,"subfield":{"id":"https://openalex.org/subfields/1408","display_name":"Strategy and Management"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/technological-innovation","display_name":"technological innovation","score":0.9409999847412109},{"id":"https://openalex.org/keywords/competitive-advantage","display_name":"competitive advantage","score":0.9980000257492065},{"id":"https://openalex.org/keywords/retail-banking","display_name":"retail banking","score":0.8730000257492065},{"id":"https://openalex.org/keywords/payment-processing","display_name":"payment processing","score":0.9729999899864197},{"id":"https://openalex.org/keywords/innovation-implementation","display_name":"innovation implementation","score":0.6370000243186951},{"id":"https://openalex.org/keywords/strategic-management","display_name":"strategic management","score":0.4429999887943268},{"id":"https://openalex.org/keywords/competitor-response","display_name":"competitor response","score":0.7110000252723694},{"id":"https://openalex.org/keywords/banking","display_name":"banking sector","score":0.597000002861023},{"id":"https://openalex.org/keywords/organizational-change","display_name":"organizational change","score":0.5839999914169312}],"concepts":[{"id":"https://openalex.org/C58546491","wikidata":"https://www.wikidata.org/wiki/Q1150207","display_name":"Competitive advantage","level":2,"score":0.7592912912368774},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6344245672225952},{"id":"https://openalex.org/C40700","wikidata":"https://www.wikidata.org/wiki/Q1411783","display_name":"Industrial organization","level":1,"score":0.625464677810669},{"id":"https://openalex.org/C2776436953","wikidata":"https://www.wikidata.org/wiki/Q5163215","display_name":"Consistency (knowledge bases)","level":2,"score":0.57877117395401},{"id":"https://openalex.org/C185798385","wikidata":"https://www.wikidata.org/wiki/Q1161707","display_name":"Benchmark (surveying)","level":2,"score":0.5181487798690796},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.48988908529281616},{"id":"https://openalex.org/C98045186","wikidata":"https://www.wikidata.org/wiki/Q205663","display_name":"Process (computing)","level":2,"score":0.4859417676925659},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.4738198518753052},{"id":"https://openalex.org/C137996800","wikidata":"https://www.wikidata.org/wiki/Q762702","display_name":"Technological change","level":2,"score":0.43696457147598267},{"id":"https://openalex.org/C2164484","wikidata":"https://www.wikidata.org/wiki/Q5170150","display_name":"Core (optical fiber)","level":2,"score":0.41712701320648193},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.4161766767501831},{"id":"https://openalex.org/C156152238","wikidata":"https://www.wikidata.org/wiki/Q1548025","display_name":"Retail banking","level":2,"score":0.4147902727127075},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.2720434367656708},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.14678072929382324},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.1348370611667633},{"id":"https://openalex.org/C111919701","wikidata":"https://www.wikidata.org/wiki/Q9135","display_name":"Operating system","level":1,"score":0.0},{"id":"https://openalex.org/C205649164","wikidata":"https://www.wikidata.org/wiki/Q1071","display_name":"Geography","level":0,"score":0.0},{"id":"https://openalex.org/C139719470","wikidata":"https://www.wikidata.org/wiki/Q39680","display_name":"Macroeconomics","level":1,"score":0.0},{"id":"https://openalex.org/C76155785","wikidata":"https://www.wikidata.org/wiki/Q418","display_name":"Telecommunications","level":1,"score":0.0},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.0},{"id":"https://openalex.org/C13280743","wikidata":"https://www.wikidata.org/wiki/Q131089","display_name":"Geodesy","level":1,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1111/j.1467-8551.1996.tb00105.x","doi":"https://doi.org/10.1111/j.1467-8551.1996.tb00105.x","is_oa":false,"landing_page_url":"https://doi.org/10.1111/j.1467-8551.1996.tb00105.x","pdf_url":null,"source":{"id":"https://openalex.org/S184126201","display_name":"British Journal of Management","issn_l":"1045-3172","issn":["1045-3172","1467-8551"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a-star","anvur-class-a","anvur-scientific","cwts-core","erih-plus","fnege-2","jufo-3","norway-2","poland-100","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310320595","host_organization_name":"Wiley","host_organization_lineage":["https://openalex.org/P4310320595"],"host_organization_lineage_names":["Wiley"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"British Journal of Management","raw_type":"journal-article"}],"best_oa_location":null,"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/9","display_name":"Industry, innovation and infrastructure","score":0.5378999710083008}],"sustainable_development_goals_aurora":[{"id":"https://metadata.un.org/sdg/9","display_name":"Industry, innovation and infrastructure","score":0.6399999856948853}],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":19,"referenced_works":["https://openalex.org/W566317878","https://openalex.org/W577397424","https://openalex.org/W586919052","https://openalex.org/W1520843661","https://openalex.org/W1689491940","https://openalex.org/W1993663609","https://openalex.org/W2107026363","https://openalex.org/W2164753928","https://openalex.org/W2170329189","https://openalex.org/W2324697242","https://openalex.org/W2973282358","https://openalex.org/W3123282572","https://openalex.org/W3211721509","https://openalex.org/W4229584076","https://openalex.org/W4233898295","https://openalex.org/W4255905377","https://openalex.org/W4388137561","https://openalex.org/W4388148315","https://openalex.org/W6637479642"],"related_works":["https://openalex.org/W2079882512","https://openalex.org/W2337843335","https://openalex.org/W561167385","https://openalex.org/W2890860491","https://openalex.org/W2999691469","https://openalex.org/W3161760914","https://openalex.org/W1600276650","https://openalex.org/W2052781237","https://openalex.org/W4245900067","https://openalex.org/W1515938553"],"abstract_inverted_index":{"This":[0],"article":[1],"presents":[2],"a":[3,7,19],"case":[4],"study":[5],"of":[6,15,33,37,45,83,97,103],"major":[8],"technical":[9],"innovation":[10,72,91],"in":[11,18,64,106],"the":[12,24,28,31,35,40,46,58,65,67,76,80,90,95,101],"core":[13],"activity":[14],"payment":[16],"processing":[17,63],"UK":[20],"bank.":[21],"In":[22],"describing":[23],"strategic":[25],"rationale":[26],"for":[27,60],"change":[29],"and":[30,42,75],"process":[32],"implementation,":[34],"degree":[36],"consistency":[38],"between":[39],"operational":[41],"organizational":[43],"dimensions":[44],"new":[47],"system":[48,53],"are":[49,73,85,92],"examined.":[50],"As":[51],"this":[52,84],"is":[54],"widely":[55],"regarded":[56],"as":[57],"benchmark":[59],"future":[61],"paper":[62],"industry,":[66],"factors":[68],"contributing":[69],"to":[70,89],"successful":[71],"discussed":[74],"management":[77],"rather":[78],"than":[79],"technological":[81],"aspects":[82],"emphasized.":[86],"Competitor":[87],"responses":[88],"explained":[93],"by":[94],"influence":[96],"traditional":[98],"assumptions":[99],"about":[100],"basis":[102],"competitive":[104],"advantage":[105],"banking.":[107]},"counts_by_year":[{"year":2024,"cited_by_count":1},{"year":2021,"cited_by_count":1},{"year":2020,"cited_by_count":2},{"year":2019,"cited_by_count":1},{"year":2018,"cited_by_count":5},{"year":2017,"cited_by_count":2},{"year":2016,"cited_by_count":2},{"year":2015,"cited_by_count":7},{"year":2014,"cited_by_count":4},{"year":2013,"cited_by_count":3},{"year":2012,"cited_by_count":5}],"updated_date":"2026-10-30T12:39:25.321706","created_date":"2016-06-24T00:00:00"}