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Financial Services Innovation: Opportunities for Transformation Through Facial Recognition and Digital Wallet Patents

Bartoo, Debora S.
http://rave.ohiolink.edu/etdc/view?acc_num=antioch1370778739

Abstract Details

2013, Ph.D., Antioch University, Leadership and Change.
Bringing innovation to the marketplace for new products and services involves creativity, a culture in which change flourishes, and leadership that thrives on transformation and complexity. This study explored the potential for market disruption or change based on innovations involving patents granted to nonfinancial services organizations that could affect financial services, specifically consumer or retail bank products. It involved analyzing documents related to recently granted patents and completing a mixed methods survey integrating the Delphi research technique. This method required multiple iterations of a survey presented to expert panelists or industry thought leaders to attempt to gain consensus ("Consensus", 2011) or general agreement by the group (Tersine & Riggs, 1976). With this research method, the goal is to gain an understanding of initial individual perspectives. Through an iterative process, then determine if, as a group, they can move toward a common vision of what is likely to happen after viewing other's perspectives. This research was specific to two innovations for which patents have been granted: facial recognition and digital wallets. Patents can provide insights into potential new developments planned by organizations. In some cases, patents can provide insights into innovation, potential threats, opportunities, or disruptions that could change the way a market operates. The goal of this research was to select two recent patents from many that have been granted, develop theoretical insights, and, through a mixed methods survey integrating the Delphi methodology, identify when or if these patents could have an impact on financial services. This research brought together thought leaders in an anonymous, collaborative approach to assess considerations and provide their perspective on these changes. This study served to help leaders drive innovation in financial services organizations and to understand how others perceive these innovations. The electronic version of this Dissertation is at OhioLink ETD Center, www.etd.ohiolink.edu.
Mitchell Kusy, Ph.D. (Committee Chair)
Jon Wergin, Ph.D. (Committee Member)
Byrd Jacqueline, Ph.D. (Committee Member)
Sahm Patricia, Ph.D. (Other)
203 p.
Banking; Business Administration; Business Community; Entrepreneurship; Information Technology; Intellectual Property; Management; Marketing; Organization Theory; Organizational Behavior; Patent Law; Spirituality; Systems Design; Technology
Authentication; Banking; Delphi; Digital Wallets; Electronic Wallets; Facial Recognition; Financial Services Transformation; Innovation; Leadership; Mobile Banking; Mobile Commerce; Mobile Wallets; Patents; Product Development; Strategy

Recommended Citations

Citations

  • Bartoo, D. S. (2013). Financial Services Innovation: Opportunities for Transformation Through Facial Recognition and Digital Wallet Patents [Doctoral dissertation, Antioch University]. OhioLINK Electronic Theses and Dissertations Center. http://rave.ohiolink.edu/etdc/view?acc_num=antioch1370778739

    APA Style (7th edition)

  • Bartoo, Debora. Financial Services Innovation: Opportunities for Transformation Through Facial Recognition and Digital Wallet Patents . 2013. Antioch University, Doctoral dissertation. OhioLINK Electronic Theses and Dissertations Center, http://rave.ohiolink.edu/etdc/view?acc_num=antioch1370778739.

    MLA Style (8th edition)

  • Bartoo, Debora. "Financial Services Innovation: Opportunities for Transformation Through Facial Recognition and Digital Wallet Patents ." Doctoral dissertation, Antioch University, 2013. http://rave.ohiolink.edu/etdc/view?acc_num=antioch1370778739

    Chicago Manual of Style (17th edition)

antioch1370778739
1,519
© 2013, all rights reserved.
This open access ETD is published by Antioch University and OhioLINK.