Publicação
The business model of direct banks in Germany: evidence-based strategic recommendations
| Resumo: | Direct banks face rising regulatory, competitive, and efficiency pressures, yet their strategic configuration remains insufficiently understood. Based on secondary data and expert interviews, this work identifies four cross-dimensional value-creation clusters for direct banks. Applying the NUF framework, three prioritized, evidence-based recommendations are derived that pinpoint critical areas in which direct banks must adapt to remain competitive. The findings contribute to business model theory by illustrating how digitally mature banks reinterpret monetisation, trust, and efficiency under regulatory constraints, while offering actionable guidance for managers seeking to balance cost leadership with engagement-based growth and strategic sovereignty in direct banking. |
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| Autores principais: | Dannecker, Florian Benedikt |
| Assunto: | Direct banking Business model Qualitative content analysis Strategic implications Customer value monetization Ecosystem strategy Digital sovereignty Evidence based recommendations |
| Ano: | 2026 |
| País: | Portugal |
| Tipo de documento: | dissertação de mestrado |
| Tipo de acesso: | acesso embargado |
| Instituição associada: | Universidade Nova de Lisboa |
| Idioma: | inglês |
| Origem: | Repositório Institucional da UNL |
| Resumo: | Direct banks face rising regulatory, competitive, and efficiency pressures, yet their strategic configuration remains insufficiently understood. Based on secondary data and expert interviews, this work identifies four cross-dimensional value-creation clusters for direct banks. Applying the NUF framework, three prioritized, evidence-based recommendations are derived that pinpoint critical areas in which direct banks must adapt to remain competitive. The findings contribute to business model theory by illustrating how digitally mature banks reinterpret monetisation, trust, and efficiency under regulatory constraints, while offering actionable guidance for managers seeking to balance cost leadership with engagement-based growth and strategic sovereignty in direct banking. |
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