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SM ISO690:2012 PANFIL, Cristina, CRISTAFOVICI, Profira. Analiza SWOT a procesului inovaţional pe piaţa produselor bancare în Republica Moldova . In: Intellectus, 2023, nr. 1, pp. 58-67. ISSN 1810-7079. DOI: https://doi.org/10.56329/1810-7087.23.1.06 |
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Intellectus | ||||||
Numărul 1 / 2023 / ISSN 1810-7079 /ISSNe 1810-7087 | ||||||
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DOI:https://doi.org/10.56329/1810-7087.23.1.06 | ||||||
CZU: 005.52:005.33:336.71(478) | ||||||
Pag. 58-67 | ||||||
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The strategic approach of the management of the innovation process implies choosing from a multitude the most relevant opportunities and threats, which are truly important for the evolution of the banking products market, taking into account the ability of banks to launch profi table innovation activities. The achievement of this objective falls within the SWOT analysis methodology and tools. In order to determine the prospects for innovation on the banking products/services market, the SWOT methodology was adapted to the specifi cs of the banking innovation process. Thus, for the analysis and evaluation of the innovative process on the market of banking products in the Republic of Moldova, the internal and external environments of the innovative banking process were explored. The results of the media exploration served as the basis for the development of a questionnaire with the help of which was conducted a survey among experts - specialists from banks, both in the ICT fi eld, as well as product manager specialists from the back-, head- and front office. The research of experts’ opinions focused on the identifi cation and evaluation of external factors that represent innovation opportunities/threats at the current stage, as well as the evaluation of the innovation potential and resources of banks through the lens of the 6 dimensions of the innovation process, namely: the revenue model, the concept of product/service delivery, customer interaction, delivery channels and delivery organization. Thus, the strengths and weaknesses of the banks were identifi ed and evaluated, which, in interaction with the innovation opportunities and threats, allowed the formulation of strategic innovation directions in the market of banking products. |
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Cuvinte-cheie SWOT analysis, banking sector, bank innovation, development strategies, Competitiveness, analiza SWOT, sector bancar, inovații bancare, strategii de dezvoltare, competitivitate |
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