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BUSINESS MODELS IN BANKING: A CLUSTER ANALYSIS USING ARCHIVAL DATA
2019
Trames
We show that clustering can be used to identify bank business models based on variables that proxy how banks create value. Departing from the value proposition and systematically deriving the proxies for value creation link the disconnected 'business model literature' with the 'bank business model literature'. On a sample of 63 large European and U.S. banks, the clustering approach correctly identifies the business model for four out of five banks. In particular, it correctly identifies 100% of
doi:10.3176/tr.2019.1.06
fatcat:aoxj5mi6jvbm7mfqrdidvnvy2y