Oliver Gausmann

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The direct banking business is characterized by integrated distribution channel politics and holistic sales approaches combined with multi-channel-management. Direct banks in Europe and especially in Germany are currently facing increasing market competition. The crucial factors for growth are product innovation, cost control and the flexibility to react(More)
Web 2.0 includes technological and behavioral trends that provide an enlarged added value potential for electronic commerce. This additional potential can be characterized by increased interactivity and multi-mediality, higher degree of standardization and better access to online content. These characteristics determine essentially the development of(More)
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