{"id":"https://openalex.org/W2756455844","doi":"https://doi.org/10.1080/09537325.2017.1376047","title":"Understanding the disruptive business model innovation of E-business microcredit: a comparative case study in China","display_name":"Understanding the disruptive business model innovation of E-business microcredit: a comparative case study in China","publication_year":2017,"publication_date":"2017-09-11","ids":{"openalex":"https://openalex.org/W2756455844","doi":"https://doi.org/10.1080/09537325.2017.1376047","mag":"2756455844"},"language":"en","primary_location":{"id":"doi:10.1080/09537325.2017.1376047","is_oa":false,"landing_page_url":"https://doi.org/10.1080/09537325.2017.1376047","pdf_url":null,"source":{"id":"https://openalex.org/S130699561","display_name":"Technology Analysis and Strategic Management","issn_l":"0953-7325","issn":["0953-7325","1465-3990"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310320547","host_organization_name":"Taylor & Francis","host_organization_lineage":["https://openalex.org/P4310320547"],"host_organization_lineage_names":["Taylor & Francis"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Technology Analysis & Strategic Management","raw_type":"journal-article"},"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/A5101821544","display_name":"Wenyao Zhang","orcid":"https://orcid.org/0000-0002-3822-6414"},"institutions":[{"id":"https://openalex.org/I204983213","display_name":"Harbin Institute of Technology","ror":"https://ror.org/01yqg2h08","country_code":"CN","type":"education","lineage":["https://openalex.org/I204983213"]},{"id":"https://openalex.org/I4210161462","display_name":"Heilongjiang Institute of Technology","ror":"https://ror.org/05x0m9n95","country_code":"CN","type":"education","lineage":["https://openalex.org/I4210161462"]}],"countries":["CN"],"is_corresponding":true,"raw_author_name":"Wenyao Zhang","raw_affiliation_strings":["School of Management, Harbin Institute of Technology, Heilongjiang, People\u2019s Republic of China","School of Management, Harbin Institute of Technology, Heilongjiang, People's Republic of China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of Management, Harbin Institute of Technology, Heilongjiang, People\u2019s Republic of China","institution_ids":["https://openalex.org/I204983213","https://openalex.org/I4210161462"]},{"raw_affiliation_string":"School of Management, Harbin Institute of Technology, Heilongjiang, People's Republic of China","institution_ids":["https://openalex.org/I204983213","https://openalex.org/I4210161462"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5059934493","display_name":"Tu\u011frul Daim","orcid":"https://orcid.org/0000-0003-1432-8958"},"institutions":[{"id":"https://openalex.org/I126345244","display_name":"Portland State University","ror":"https://ror.org/00yn2fy02","country_code":"US","type":"education","lineage":["https://openalex.org/I126345244"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Tugrul Daim","raw_affiliation_strings":["Department of Eng\u2019g and Tech Mgmt, Portland State University, Portland, OR, USA","Department of Eng'g and Tech Mgmt, Portland State University, Portland, OR, USA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Eng\u2019g and Tech Mgmt, Portland State University, Portland, OR, USA","institution_ids":["https://openalex.org/I126345244"]},{"raw_affiliation_string":"Department of Eng'g and Tech Mgmt, Portland State University, Portland, OR, USA","institution_ids":["https://openalex.org/I126345244"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5101750320","display_name":"Qingpu Zhang","orcid":"https://orcid.org/0000-0003-4759-104X"},"institutions":[{"id":"https://openalex.org/I204983213","display_name":"Harbin Institute of Technology","ror":"https://ror.org/01yqg2h08","country_code":"CN","type":"education","lineage":["https://openalex.org/I204983213"]},{"id":"https://openalex.org/I4210161462","display_name":"Heilongjiang Institute of Technology","ror":"https://ror.org/05x0m9n95","country_code":"CN","type":"education","lineage":["https://openalex.org/I4210161462"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Qingpu Zhang","raw_affiliation_strings":["School of Management, Harbin Institute of Technology, Heilongjiang, People\u2019s Republic of China","School of Management, Harbin Institute of Technology, Heilongjiang, People's Republic of China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of Management, Harbin Institute of Technology, Heilongjiang, People\u2019s Republic of China","institution_ids":["https://openalex.org/I204983213","https://openalex.org/I4210161462"]},{"raw_affiliation_string":"School of Management, Harbin Institute of Technology, Heilongjiang, People's Republic of China","institution_ids":["https://openalex.org/I204983213","https://openalex.org/I4210161462"]}]}],"institutions":[],"countries_distinct_count":2,"institutions_distinct_count":3,"corresponding_author_ids":["https://openalex.org/A5101821544"],"corresponding_institution_ids":["https://openalex.org/I204983213","https://openalex.org/I4210161462"],"apc_list":null,"apc_paid":null,"fwci":3.1366,"has_fulltext":false,"cited_by_count":28,"citation_normalized_percentile":{"value":0.92271559,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":90,"max":99},"biblio":{"volume":"30","issue":"7","first_page":"765","last_page":"777"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T12392","display_name":"Sharing Economy and Platforms","score":0.9958999752998352,"subfield":{"id":"https://openalex.org/subfields/1406","display_name":"Marketing"},"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/T12392","display_name":"Sharing Economy and Platforms","score":0.9958999752998352,"subfield":{"id":"https://openalex.org/subfields/1406","display_name":"Marketing"},"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/T11437","display_name":"Digital Platforms and Economics","score":0.9952999949455261,"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"}},{"id":"https://openalex.org/T10609","display_name":"Digital Marketing and Social Media","score":0.9944000244140625,"subfield":{"id":"https://openalex.org/subfields/3312","display_name":"Sociology and Political Science"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/business-model","display_name":"Business model","score":0.7202720046043396},{"id":"https://openalex.org/keywords/value-proposition","display_name":"Value proposition","score":0.6750181913375854},{"id":"https://openalex.org/keywords/mainstream","display_name":"Mainstream","score":0.6668099761009216},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.6355860829353333},{"id":"https://openalex.org/keywords/disruptive-innovation","display_name":"Disruptive innovation","score":0.546271800994873},{"id":"https://openalex.org/keywords/china","display_name":"China","score":0.5403957366943359},{"id":"https://openalex.org/keywords/proposition","display_name":"Proposition","score":0.47072187066078186},{"id":"https://openalex.org/keywords/conceptual-model","display_name":"Conceptual model","score":0.46981126070022583},{"id":"https://openalex.org/keywords/new-business-development","display_name":"New business development","score":0.44050782918930054},{"id":"https://openalex.org/keywords/artifact-centric-business-process-model","display_name":"Artifact-centric business process model","score":0.43431228399276733},{"id":"https://openalex.org/keywords/knowledge-management","display_name":"Knowledge management","score":0.42804449796676636},{"id":"https://openalex.org/keywords/marketing","display_name":"Marketing","score":0.41914984583854675},{"id":"https://openalex.org/keywords/industrial-organization","display_name":"Industrial organization","score":0.3476930558681488},{"id":"https://openalex.org/keywords/business-process-modeling","display_name":"Business process modeling","score":0.31397658586502075},{"id":"https://openalex.org/keywords/business-process","display_name":"Business process","score":0.26610279083251953},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.2641712725162506}],"concepts":[{"id":"https://openalex.org/C4216890","wikidata":"https://www.wikidata.org/wiki/Q815823","display_name":"Business model","level":2,"score":0.7202720046043396},{"id":"https://openalex.org/C68991459","wikidata":"https://www.wikidata.org/wiki/Q11700776","display_name":"Value proposition","level":2,"score":0.6750181913375854},{"id":"https://openalex.org/C2777617010","wikidata":"https://www.wikidata.org/wiki/Q18957","display_name":"Mainstream","level":2,"score":0.6668099761009216},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6355860829353333},{"id":"https://openalex.org/C2777785971","wikidata":"https://www.wikidata.org/wiki/Q1192297","display_name":"Disruptive innovation","level":2,"score":0.546271800994873},{"id":"https://openalex.org/C191935318","wikidata":"https://www.wikidata.org/wiki/Q148","display_name":"China","level":2,"score":0.5403957366943359},{"id":"https://openalex.org/C2777152325","wikidata":"https://www.wikidata.org/wiki/Q108163","display_name":"Proposition","level":2,"score":0.47072187066078186},{"id":"https://openalex.org/C13606891","wikidata":"https://www.wikidata.org/wiki/Q2623243","display_name":"Conceptual model","level":2,"score":0.46981126070022583},{"id":"https://openalex.org/C34630208","wikidata":"https://www.wikidata.org/wiki/Q7016388","display_name":"New business development","level":3,"score":0.44050782918930054},{"id":"https://openalex.org/C162754035","wikidata":"https://www.wikidata.org/wiki/Q17006331","display_name":"Artifact-centric business process model","level":5,"score":0.43431228399276733},{"id":"https://openalex.org/C56739046","wikidata":"https://www.wikidata.org/wiki/Q192060","display_name":"Knowledge management","level":1,"score":0.42804449796676636},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.41914984583854675},{"id":"https://openalex.org/C40700","wikidata":"https://www.wikidata.org/wiki/Q1411783","display_name":"Industrial organization","level":1,"score":0.3476930558681488},{"id":"https://openalex.org/C207505557","wikidata":"https://www.wikidata.org/wiki/Q4374012","display_name":"Business process modeling","level":4,"score":0.31397658586502075},{"id":"https://openalex.org/C85345410","wikidata":"https://www.wikidata.org/wiki/Q851587","display_name":"Business process","level":3,"score":0.26610279083251953},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.2641712725162506},{"id":"https://openalex.org/C174998907","wikidata":"https://www.wikidata.org/wiki/Q357662","display_name":"Work in process","level":2,"score":0.0},{"id":"https://openalex.org/C111472728","wikidata":"https://www.wikidata.org/wiki/Q9471","display_name":"Epistemology","level":1,"score":0.0},{"id":"https://openalex.org/C199539241","wikidata":"https://www.wikidata.org/wiki/Q7748","display_name":"Law","level":1,"score":0.0},{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.0},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.0},{"id":"https://openalex.org/C27206212","wikidata":"https://www.wikidata.org/wiki/Q34178","display_name":"Theology","level":1,"score":0.0},{"id":"https://openalex.org/C77088390","wikidata":"https://www.wikidata.org/wiki/Q8513","display_name":"Database","level":1,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1080/09537325.2017.1376047","is_oa":false,"landing_page_url":"https://doi.org/10.1080/09537325.2017.1376047","pdf_url":null,"source":{"id":"https://openalex.org/S130699561","display_name":"Technology Analysis and Strategic Management","issn_l":"0953-7325","issn":["0953-7325","1465-3990"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310320547","host_organization_name":"Taylor & Francis","host_organization_lineage":["https://openalex.org/P4310320547"],"host_organization_lineage_names":["Taylor & Francis"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Technology Analysis & Strategic Management","raw_type":"journal-article"},{"id":"pmh:oai:pdxscholar.library.pdx.edu:etm_fac-1138","is_oa":false,"landing_page_url":"https://pdxscholar.library.pdx.edu/etm_fac/133","pdf_url":null,"source":{"id":"https://openalex.org/S4377196300","display_name":"PDXScholar  (Portland State University)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":"https://openalex.org/I126345244","host_organization_name":"Portland State University","host_organization_lineage":["https://openalex.org/I126345244"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Engineering and Technology Management Faculty Publications and Presentations","raw_type":"text"}],"best_oa_location":null,"sustainable_development_goals":[{"score":0.6700000166893005,"display_name":"Industry, innovation and infrastructure","id":"https://metadata.un.org/sdg/9"}],"awards":[{"id":"https://openalex.org/G2076032703","display_name":null,"funder_award_id":"G201006","funder_id":"https://openalex.org/F4320323085","funder_display_name":"Natural Science Foundation of Heilongjiang Province"},{"id":"https://openalex.org/G8325828588","display_name":"\u590d\u5408\u7f51\u7edc\u73af\u5883\u4e0b\u521b\u610f\u56e2\u961f\u521b\u610f\u8fc7\u7a0b\u4e2d\u9690\u6027\u77e5\u8bc6\u8f6c\u5316\u4e0e\u6574\u5408\u7814\u7a76","funder_award_id":"71273076","funder_id":"https://openalex.org/F4320321001","funder_display_name":"National Natural Science Foundation of China"}],"funders":[{"id":"https://openalex.org/F4320321001","display_name":"National Natural Science Foundation of China","ror":"https://ror.org/01h0zpd94"},{"id":"https://openalex.org/F4320323085","display_name":"Natural Science Foundation of Heilongjiang Province","ror":null}],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":46,"referenced_works":["https://openalex.org/W343404167","https://openalex.org/W1013656722","https://openalex.org/W1480553355","https://openalex.org/W1517701247","https://openalex.org/W1556808170","https://openalex.org/W1581671442","https://openalex.org/W1589399253","https://openalex.org/W1700208790","https://openalex.org/W1746769792","https://openalex.org/W1910879047","https://openalex.org/W1965109561","https://openalex.org/W1983742740","https://openalex.org/W1984287658","https://openalex.org/W2006479099","https://openalex.org/W2016274185","https://openalex.org/W2019895664","https://openalex.org/W2027944368","https://openalex.org/W2028230473","https://openalex.org/W2030793402","https://openalex.org/W2050520842","https://openalex.org/W2051923786","https://openalex.org/W2066592975","https://openalex.org/W2066990553","https://openalex.org/W2075966395","https://openalex.org/W2078037825","https://openalex.org/W2080936518","https://openalex.org/W2093875699","https://openalex.org/W2107026962","https://openalex.org/W2110730284","https://openalex.org/W2117738223","https://openalex.org/W2119565407","https://openalex.org/W2136071264","https://openalex.org/W2140699752","https://openalex.org/W2141647475","https://openalex.org/W2141951329","https://openalex.org/W2143622967","https://openalex.org/W2154482656","https://openalex.org/W2161611374","https://openalex.org/W2172141271","https://openalex.org/W2206252701","https://openalex.org/W2600982334","https://openalex.org/W2755597341","https://openalex.org/W3104849124","https://openalex.org/W3123732438","https://openalex.org/W3125655842","https://openalex.org/W4249955736"],"related_works":["https://openalex.org/W7685769","https://openalex.org/W4323855124","https://openalex.org/W2474729273","https://openalex.org/W77459765","https://openalex.org/W2408042504","https://openalex.org/W28470596","https://openalex.org/W1980079743","https://openalex.org/W1966662604","https://openalex.org/W2940729991","https://openalex.org/W2308906627"],"abstract_inverted_index":{"This":[0,67],"paper":[1],"uses":[2],"an":[3,29],"in-depth":[4],"case":[5],"study":[6,68],"approach":[7],"to":[8],"compare":[9],"and":[10,15,51,94],"analyze":[11],"e-business":[12],"microcredit":[13],"firms":[14],"traditional":[16],"bank":[17],"business":[18,24,38,55,80],"models":[19],"in":[20],"China,":[21],"employing":[22],"a":[23,71],"model":[25,39,56,81],"template":[26],"redefined":[27],"as":[28,58],"analytical":[30],"tool.":[31],"The":[32],"results":[33],"suggest":[34],"that":[35],"the":[36,49],"EMF":[37],"has":[40,61],"typical":[41],"disruptive":[42,54],"innovation":[43,57],"characteristics,":[44],"shedding":[45],"new":[46],"light":[47],"on":[48,63],"definition":[50],"criteria":[52],"of":[53,84],"little":[59],"research":[60],"done":[62],"its":[64],"systematic":[65],"analysis.":[66],"also":[69],"presents":[70],"holistic":[72],"conceptual":[73],"framework":[74],"for":[75],"four":[76],"triggers":[77],"constituting":[78],"their":[79],"difference,":[82],"inclusive":[83,88],"non-mainstream":[85],"customer":[86],"positioning,":[87],"platform-based":[89,91],"infrastructure,":[90],"leveraged":[92],"capability,":[93],"user":[95],"experience-centered":[96],"value":[97],"proposition.":[98]},"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2025,"cited_by_count":1},{"year":2024,"cited_by_count":1},{"year":2023,"cited_by_count":3},{"year":2022,"cited_by_count":5},{"year":2021,"cited_by_count":8},{"year":2020,"cited_by_count":5},{"year":2019,"cited_by_count":2},{"year":2018,"cited_by_count":1},{"year":2017,"cited_by_count":1}],"updated_date":"2026-07-22T07:51:19.307946","created_date":"2025-10-10T00:00:00"}