北大mba原文案例庫

1、HowHowFinancialFinancialFirmsFirmsDecideDecideononTechnologyTechnology，介紹國際大銀行在決定對信息技術(shù)投資時的考慮要點(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。HowHowFinancialFinancialFirmsFirmsDecideDecideononTechnologyTechnology(AbstractAb

2、stract)Thefinancialservicesindustryisthemajinvestininfmationtechnology(IT)intheU.S.economythetypicalbankspendsasmuchas15%ofnoninteresteexpensesonIT.Apersistentfindingofresearchintotheperfmanceoffinancialinstitutionsistha

3、tperfmanceefficiencyvarywidelyacrossinstitutions.NowhereisthisvariabilitymevisiblethanintheoutcomesoftheITinvestmentdecisionsintheseinstitutions.ThispaperpresentstheresultsofanempiricalinvestigationofITinvestmentdecision

4、processesinthebankingindustry.ThepurposeofthisinvestigationistouncoverwhatifanythingcanbelearnedfromtheITinvestmentpracticesofbanksthatwouldhelpinunderstingthecauseofthisvariabilityinperfmancealongwithpointingtowardmanag

5、ementpracticesthatleadtobetterinvestmentdecisions.UsingPCbankingthedevelopmentofcpateIntersitesasthecasestudiesfthisinvestigationthepaperreptsondetailedfieldbasedsurveysofinvestmentpracticesinseveralleadinginstitutionsHo

6、wHowFinancialFinancialFirmsFirmsDecideDecideononTechnologyTechnology(PartPartOneOne)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，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因素就是對投資的決定和管理。SBS是一個失敗的例子，但是成功的公

7、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)isincreasinglycriticaltotheoperationsoffinancialservicesfirms.Todaybanksspendasmuchas15%ofnoninterest

8、expenseontechnologiesaretransfmingcallcenteroperationsinfinancialinstitutions.Byinvestingintechnologymemeinstitutionsaremovingoperationsfromhighcostbranchoperationstothetelephonechannelwherethecostpertransactionisonetent

9、hthecostofatellerinteraction.ThisITinvestmentnotonlyreducesthecostofservingexistingcustomersbutalsoextendsthereachoftheinstitutionbeyonditstraditionalgeographicboundaries.Inthispaperweutilizedetailedcasestudiesofsixretai

10、lbankstoinvestigateseveralinterrelatedquestions:１.WhatprocessesdobanksutilizetoevaluatemanageITinvestments２.HowwelldoactualpracticesalignwiththeeticalargumentsabouthowITinvestmentsshouldbemanaged３.Whatimpactdoesthatmanag

11、ementofITinvestmentshaveonperfmanceHowHowFinancialFinancialFirmsFirmsDecideDecideononTechnologyTechnology(PartPartTwoTwo)FthefirstquestionwedevelopastructuredframewkfcatalogingITinvestmentpracticesthenpopulatethisframewk

12、usingacombinationofsurveyssemistructuredinterviews.WethencomparetheresultsofthisexercisewithasynthesisoftheliteratureonITdecisionmakingtounderstinghowpracticesvaryacrossfirmstheextenttowhichthisisconsistentwith“bestpract

13、ices“asdescribedinpreviousliterature.Finallywewillcomparetheseprocessestointernalexternalperfmancemetricstobetterunderstwhichsetsofpracticesappeartobemosteffective.Tomakethesecomparisonsconcreteweexamineboththegeneraldec

14、isionprocessaswellasthespecificprocessesusedftworecentITinvestmentdecisions:theadoptionofcomputerbasedhomebanking(PCbanking)thedevelopmentofthecpatewebsite.Thesedecisionswerechosenbecausetheywererecentarerelatedbutprovid