Institutional logics as inhibitors or levers? : the case of mobile payments in Finland
Riikkinen, Mikko; Lähteenmäki, Ilkka; Nätti, Satu (2018-12-21)
Rikkinen, M., Lähteenmäki, I & Nätti, S. (2019). Institutional logics as inhibitors or levers? The case of mobile payments in Finland. In A. Shaikh & H. Karjaluoto (Eds.), Marketing and Mobile Financial Services: A Global Perspective on Digital Banking Consumer Behaviour (pp. 200-224). London: Routledge.
© 2019 Informa UK Limited. This is an Accepted Manuscript of a book chapter published by Routledge in Marketing and Mobile Financial Services: A Global Perspective on Digital Banking Consumer Behaviour on 21 December 2018, available online: https://www.routledge.com/Marketing-and-Mobile-Financial-Services-A-Global-Perspective-on-Digital/Shaikh-Karjaluoto/p/book/9780815386940.
https://rightsstatements.org/vocab/InC/1.0/
https://urn.fi/URN:NBN:fi-fe2019032610055
Tiivistelmä
Abstract
This chapter aims to explore what kind of institutional barriers companies must overcome in order to innovate a new mobile payment service. A qualitative case study of mobile payment development in Finnish financial sector is applied to explore institutional factors affecting innovation in payment services. Major findings suggest that the institutional factors (cultural-cognitive, normative, and regulative) affect innovation of mobile payment services in highly institutionalized settings. In addition to defining those barriers, in this study we find that start-ups can use institutional barriers of traditional incumbents as levers for their own innovations.
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