Bask, Anu; Merisalo-Rantanen, Hilkka; Tinnila, Markku; … - In: International Journal of Electronic Finance 5 (2011) 4, pp. 333-356
We explore the evolution of business models over time in five Finnish organisations from the banking, insurance or retail sector. The scope of the banking services to consumers has been extended in traditional banks from basic banking services to asset management, insurance and expert services....