Strict Standards: Redefining already defined constructor for class wpdb in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/wp-db.php on line 52

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/cache.php on line 36

Strict Standards: Redefining already defined constructor for class WP_Object_Cache in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/cache.php on line 389

Strict Standards: Declaration of Walker_Page::start_lvl() should be compatible with Walker::start_lvl($output) in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/classes.php on line 537

Strict Standards: Declaration of Walker_Page::end_lvl() should be compatible with Walker::end_lvl($output) in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/classes.php on line 537

Strict Standards: Declaration of Walker_Page::start_el() should be compatible with Walker::start_el($output) in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/classes.php on line 537

Strict Standards: Declaration of Walker_Page::end_el() should be compatible with Walker::end_el($output) in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/classes.php on line 537

Strict Standards: Declaration of Walker_PageDropdown::start_el() should be compatible with Walker::start_el($output) in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/classes.php on line 556

Strict Standards: Declaration of Walker_Category::start_lvl() should be compatible with Walker::start_lvl($output) in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/classes.php on line 653

Strict Standards: Declaration of Walker_Category::end_lvl() should be compatible with Walker::end_lvl($output) in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/classes.php on line 653

Strict Standards: Declaration of Walker_Category::start_el() should be compatible with Walker::start_el($output) in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/classes.php on line 653

Strict Standards: Declaration of Walker_Category::end_el() should be compatible with Walker::end_el($output) in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/classes.php on line 653

Strict Standards: Declaration of Walker_CategoryDropdown::start_el() should be compatible with Walker::start_el($output) in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/classes.php on line 678

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/query.php on line 21

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/theme.php on line 508

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/disclose-secret/disclose-secret.php on line 102

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/disclose-secret/manager.php on line 44

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/disclose-secret/manager.php on line 58

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/disclose-secret/manager.php on line 59

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/disclose-secret/manager.php on line 60

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/disclose-secret/cache.php on line 28

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/disclose-secret/cache.php on line 37

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/disclose-secret/option.php on line 156

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/disclose-secret/option.php on line 403

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/disclose-secret/migrator.php on line 24

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/disclose-secret/migrator.php on line 27

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/disclose-secret/migrator.php on line 30

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/disclose-secret/migrator.php on line 33

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/disclose-secret/migrator_post_levels.php on line 117

Deprecated: Assigning the return value of new by reference is deprecated in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/disclose-secret/config_ui.php on line 71

Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method JAWPopularPostsWidget::load() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 160

Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method Ajax_Comment_Preview::init() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 160

Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method GoogleSitemapGenerator::Enable() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 160

Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method UltimateTagWarriorActions::ultimate_query_vars() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 57

Strict Standards: Only variables should be assigned by reference in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/post.php on line 948

Strict Standards: Only variables should be assigned by reference in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/query.php on line 578

Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method UltimateTagWarriorActions::ultimate_posts_where() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 57

Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method UltimateTagWarriorActions::ultimate_search_where() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 57

Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method UltimateTagWarriorActions::ultimate_posts_join() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 57

Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method UltimateTagWarriorActions::ultimate_search_join() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 57

Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method UltimateTagWarriorActions::ultimate_posts_groupby() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 57

Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method UltimateTagWarriorActions::ultimate_tag_templates() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 160
Studie: Be a driver, not a passenger : Bank 2.0
Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method Ajax_Comment_Preview::wp_print_scripts() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 160

Strict Standards: Non-static method Ajax_Comment_Preview::htmldir() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/ajax-comment-preview/ajax-comment-preview.php on line 29

Strict Standards: Non-static method Ajax_Comment_Preview::version() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/ajax-comment-preview/ajax-comment-preview.php on line 29

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/kses.php on line 446

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/kses.php on line 510

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/kses.php on line 511

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/kses.php on line 446

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/kses.php on line 510

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/kses.php on line 511

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/kses.php on line 446

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/kses.php on line 510

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/kses.php on line 511

Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method UltimateTagWarriorActions::ultimate_add_meta_keywords() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 160
Studie: Be a driver, not a passenger » Von Martina Goehring » Seite » Bank 2.0

Strict Standards: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 14

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 23

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 25

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 27

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 28

Strict Standards: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 14

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 23

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 25

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 27

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 28

Studie: Be a driver, not a passenger


Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/coolplayer/coolplayer.php on line 134

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/coolplayer/coolplayer.php on line 135

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/formatting.php on line 74

Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method UltimateTagWarriorActions::ultimate_the_content_filter() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/plugin.php on line 57

Strict Standards: Non-static method UltimateTagWarriorActions::regExEscape() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/UltimateTagWarrior/ultimate-tag-warrior-actions.php on line 669

Strict Standards: Non-static method UltimateTagWarriorActions::regExEscape() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/UltimateTagWarrior/ultimate-tag-warrior-actions.php on line 669

Strict Standards: Non-static method UltimateTagWarriorActions::regExEscape() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/UltimateTagWarrior/ultimate-tag-warrior-actions.php on line 670

Strict Standards: Non-static method UltimateTagWarriorActions::regExEscape() should not be called statically in /homepages/3/d24003326/htdocs/bank-zweinull/wp-content/plugins/UltimateTagWarrior/ultimate-tag-warrior-actions.php on line 670

Stefan Heng, Thomas Meyer, Antje Stobbe: Be a driver, not a passenger: Implications of Web 2.0 for financial institutions, Deutsche Bank Research, Frankfurt, 31. Juli 2007.

Eine deutsche Zusammenfassung dieser englisch-sprachigen Studie findet man bei silicon.de. Einige Aussagen daraus:

Die Anbieter von Finanzdienstleistungen müssen sich auf eine neue Ära der Kommunikation einstellen und können diese zu ihrem Vorteil nutzen.

Speziell die genannte Zielgruppe könne Teile des Geschäftsmodells an das Web 2.0 verlieren, wie es von DB Research hieß. Den Dienstleistern könnten in der Masse große Geschäftsbereiche abhanden kommen, wenn ihre Mittlerrolle beispielsweise in Teilen des Privatkundenbereichs, bei so genannten Standardprodukten, nicht mehr als zwingend notwendig erachtet wird. Nutzer vertrauen anderen Nutzern oft mehr als professionellen Anbietern und erhielten durch Social Websites die Möglichkeit, ohne Mittelsmann einfache Finanzgeschäfte zu tätigen, wie Kredite aufzunehmen und ähnliches. Per-to-Peer (P2P) in Kreditvergabe-Plattformen zieht Nutzer an, die sich direkt mit dem passenden Anbieter verbinden lassen wollen. Beispiele smava.de, prosper.com, zopa.com.

Innovative Bezahlsysteme werden in die originäre Welt der Institute und Provider einbrechen. Auch hier gelte etwas, was den Web-2.0-Bereich vor der Bankenwelt auszeichne: der Community-Aspekt. So vertrauen viele Nutzer Kundenberichten und privaten Postings mittlerweile mehr als offiziellen Informationen.

Web 2.0 hat in der Geschäftswelt eine externe und eine interne Seite. So kann ein Blog entweder nützliche und gesicherte Informationen enthalten oder schädliches Geschwätz. Auch Financial Services Provider würden sich demnach mehr und mehr bewusst, dass sie viel mehr solche Werkzeuge anbieten müssen. Das internationale Marktforschungsunternehmen Gartner Research geht immerhin davon aus, dass bis zum Jahr 2012 drei Viertel der Anbieter finanzieller Dienstleistungen echte Social Networking Tools anbieten wird.

Finanzdienstleister sind durch das Internet heutzutage viel mehr auf dem Präsentierteller, ihre Konditionen und Preise werden transparenter und vergleichbarer, die Margen geringer und die Risiken bezüglich des guten Rufs werden größer.

Dienstleister und Institute können nur gegensteuern, indem sie von sich aus auf Web 2.0 setzen und sich möglichst schnell und breit als innovatives Unternehmen präsentieren. Derzeit können Anbieter, die die neuen Werkzeuge in ihrer ganzen Breite einsetzen, sogar noch echte First-Mover-Vorteile in Deutschland mitnehmen.

Folgende Regeln sind zu beachten:

  1. Monitoring the Web 2.0 sphere as the new communications arena: Firmen müssen die verschiedenen Kommunikationsebenen im Web 2.0 professionell beobachten und auf Möglichkeiten hin untersuchen, welche Werkzeuge geschäftlich eingesetzt werden können. Sie müssen sich selbst als Firma im Social Web und ihre Web-2.0-Angebote ebenso fest im Griff haben wie ihre traditionelle Pressearbeit, das heißt auch, dafür extra Mitarbeiter abzustellen und Verantwortlichkeiten für sie aufzubauen und einzuhalten.
  2. An explicit Web 2.0 policy for employees is necessary: Für die internen Einsatzmöglichkeiten bedarf es einer strikten Web-2.0-Policy, die die Firma schützt - ähnlich der Security-Policy, die jedes Unternehmen haben muss. Mitarbeiter benötigen Regeln, wie sie Beiträge im Sinne des Unternehmens zu verfassen haben.
  3. Web 2.0 is a powerful instrument for internal communication: Die interne Kommunikation kann am meisten und am schnellsten von Web 2.0 profitieren, beispielsweise für Wissensteilung oder für den Dialog zwischen Board und Mitarbeitern und sollte deshalb als erster Einsatzort gewählt werden. Interne Blogs und Wikis bieten schnelles Feedback und fokussierten Zugang zu relevanten Themen. Interne Anwendungen können auch als Test für den externen Einsatz gestartet werden. Das wichtigste ist: Erfahrungen zu sammeln.
  4. Web 2.0 as a channel for external communication for a firm: Beim externen Einsatz sollten sich die Firmen und eventuell beteiligte Partner an ein strenges Regelwerk halten. Due Diligence der Tools und der Bedingungen sollten dem Einsatz vorausgehen. Ein verantwortlicher Umgang und klare Grenzen von Web 2.0 im Geschäftsalltag müssen gewährleistet sein.

Die Autoren der Studie empfehlen: Das Web 2.0 lasse sich nicht aufhalten und die ersten in der Branche spüren schon die wachsende Konkurrenz mit Finanz-Communities. Dennoch muss jeder Web 2.0 Auftritt einer Institution authentisch sein und konsistent mit Marke und Unternehmenskultur übereinstimmen.

icon for podpress  Be a driver, not a passenger: Implications of Web 2.0 for financial institutions (Deutsche Bank Research): Download (1268)
Power by LiveWords