The adoption of Design Thinking, Agile Software Development and Co-creation concepts A case study of Digital Banking innovation

Elisa Indriasari, Harjanto Prabowo, F. Gaol, B. Purwandari
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引用次数: 2

Abstract

Acceleration of technology, especially the mobile internet, causes changes all aspects of human life, including in the banking sector. New emerging technology such as Artificial Intelligence, Blockchain, Big Data, and Cloud computing change the business and operation of the bank. The bank's services have become more personalized, furthermore change customers' lifestyles. Banks are competing to create innovations and breakthroughs to create added value and building a digital ecosystem with fintech and big tech companies in the era of sharing economy. This case study explores the process of creating digital innovation in banking institutions by focusing on adopting design thinking (DT), agile software development (ASD), and co-creation concepts for building digital banking platforms. The case study involved IT executives from four banks in Indonesia. Data were taken through semi-structured interviews and analyzed using NVIVO12. The implication of this research is to accelerate the process of digital banking innovation and produce high-quality digital banking platforms in terms of features and technology.
采用设计思维、敏捷软件开发和共同创造理念——数字银行创新案例研究
科技的加速发展,尤其是移动互联网,改变了人类生活的方方面面,包括银行业。人工智能、区块链、大数据、云计算等新兴技术改变着银行的业务和运营。银行的服务变得更加个性化,进而改变了客户的生活方式。在共享经济时代,银行为了创造附加价值,与金融科技和大型科技公司一起构建数字生态系统,正在竞相创造创新和突破。本案例研究通过采用设计思维(DT)、敏捷软件开发(ASD)和共同创造概念来构建数字银行平台,探讨了在银行机构中创建数字创新的过程。该案例研究涉及印尼四家银行的IT高管。数据通过半结构化访谈获取,并使用NVIVO12进行分析。本研究的意义在于加快数字银行创新的进程,在功能和技术上产生高质量的数字银行平台。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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