Disruptive innovations and the challenges for banking

Anders Kjellman, Tom Björkroth, Taisto Kangas, Risto Tainio, Thomas Westerholm

Research output: Contribution to journalArticleScientificpeer-review


In this article, we analyse the concepts of disruptive innovations, innovation platforms and potential ways forward for the banking industry in Europe. The choice of platform and place in the eco-system are strategic choices under a high degree of uncertainty. There is no quick fix, nor one size fits all banks, however, we find that banks need capable teams that are able to come up with viable solutions for the future, and the bank's platform.
Original languageEnglish
Pages (from-to)232 - 249
JournalInternational Journal of Financial Innovation in Banking
Issue number3
Publication statusPublished - 13 Sept 2019
MoE publication typeA1 Journal article-refereed


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