北大mba原文案例庫

1、HowFinancialFirmsDecideonTechnology，介紹國際大銀行在決定對信息技術(shù)投資時(shí)的考慮要點(diǎn)和介紹國際大銀行在決定對信息技術(shù)投資時(shí)的考慮要點(diǎn)和他們具體的實(shí)施過程。他們具體的實(shí)施過程。HowFinancialFirmsDecideonTechnology(Abstract)Thefinancialservicesindustryisthemajinvestininfmationtechnology(IT)inth

2、eU.S.economythetypicalbankspendsasmuchas15%ofnoninteresteexpensesonIT.Apersistentfindingofresearchintotheperfmanceoffinancialinstitutionsisthatperfmanceefficiencyvarywidelyacrossinstitutions.Nowhereisthisvariabilitymevis

3、iblethanintheoutcomesoftheITinvestmentdecisionsintheseinstitutions.ThispaperpresentstheresultsofanempiricalinvestigationofITinvestmentdecisionprocessesinthebankingindustry.Thepurposeofthisinvestigationistouncoverwhatifan

4、ythingcanbelearnedfromtheITinvestmentpracticesofbanksthatwouldhelpinunderstingthecauseofthisvariabilityinperfmancealongwithpointingtowardmanagementpracticesthatleadtobetterinvestmentdecisions.UsingPCbankingthedevelopment

5、ofcpateIntersitesasthecasestudiesfthisinvestigationthepaperreptsondetailedfieldbasedsurveysofinvestmentpracticesinseveralleadinginstitutionsHowFinancialFirmsDecideonTechnology(PartOne)信息技術(shù)對金融服務(wù)業(yè)的影響正在增加，不僅僅表現(xiàn)在銀行的15%無息開支上，

6、而且對金融服務(wù)業(yè)的運(yùn)做和戰(zhàn)略也有很強(qiáng)的影響。一個(gè)對金融機(jī)構(gòu)的長期研究表明，不同的機(jī)構(gòu)的效率和表現(xiàn)也不同。其決定的因素有以下一些其中的一個(gè)因素就是對投資的決定和管理。SBS是一個(gè)失敗的例子，但是成功的公司也不少。本文注重解答以下的問題：１.銀行對ＩＴ投資的評估和管理過程？２.在對ＩＴ的管理過程中，理論和實(shí)際操作的結(jié)合如何？３.ＩＴ投資的管理和銀行性能的關(guān)系如何？1.0IntroductionInfmationtechnology(IT)i

7、sincreasinglycriticaltotheoperationsoffinancialservicesfirms.Todaybanksspendasmuchas15%ofnoninterestexpenseoninfmationtechnology.Itisestimatedthattheindustrywillspendatleast$21.1billiononITin1998financialinstitutionscoll

8、ectivelyaccountfthemajityofcostbranchoperationstothetelephonechannelwherethecostpertransactionisonetenththecostofatellerinteraction.ThisITinvestmentnotonlyreducesthecostofservingexistingcustomersbutalsoextendsthereachoft

9、heinstitutionbeyonditstraditionalgeographicboundaries.Inthispaperweutilizedetailedcasestudiesofsixretailbankstoinvestigateseveralinterrelatedquestions:１.WhatprocessesdobanksutilizetoevaluatemanageITinvestments２.Howwelldo

10、actualpracticesalignwiththeeticalargumentsabouthowITinvestmentsshouldbemanaged３.WhatimpactdoesthatmanagementofITinvestmentshaveonperfmanceHowFinancialFirmsDecideonTechnology(PartTwo)Fthefirstquestionwedevelopastructuredf

11、ramewkfcatalogingITinvestmentpracticesthenpopulatethisframewkusingacombinationofsurveyssemistructuredinterviews.WethencomparetheresultsofthisexercisewithasynthesisoftheliteratureonITdecisionmakingtounderstinghowpractices

12、varyacrossfirmstheextenttowhichthisisconsistentwith“bestpractices“asdescribedinpreviousliterature.Finallywewillcomparetheseprocessestointernalexternalperfmancemetricstobetterunderstwhichsetsofpracticesappeartobemosteffec

13、tive.TomakethesecomparisonsconcreteweexamineboththegeneraldecisionprocessaswellasthespecificprocessesusedftworecentITinvestmentdecisions:theadoptionofcomputerbasedhomebanking(PCbanking)thedevelopmentofthecpatewebsite.The

14、sedecisionswerechosenbecausetheywererecentarerelatedbutprovidesomecontrastinparticularPCbankingisafairlywelldefinedproductinnovationwhilethecpatewebpresenceismeofaninfrastructureinvestmentwhichislesswelldefinedintermsofo

15、bjectivesbusinessownership.Overallwefindthatwhilesomeaspectsofthedecisionprocessarefairlysimilaracrossinstitutionsoftenconfmto“bestpractice“asdefinedbypreviousliteraturethereareseveralareaswherethereislargevariationinpra