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Strategic Positioning of E-Commerce Business Models in the Portfo...

Strategic Positioning of E-Commerce Business Models in the Portfolio of Corporate Banking

The emergence of e-commerce leads to a fundamental change for the financial industry. The transition into a digital economy produces numerous new opportunities as well as great risks. B2B e-commerce in particular is considered a promising field for the future. As B2B is very closely related to corporate banking, emerging B2B e-commerce business models should constantly be evaluated to see how they fit into the portfolio of current corporate banking activities.
This paper provides a framework for a systematic examination of B2B e-commerce business models and their position in the portfolio of corporate banking. The paper indicates that certain business models, like e-marketplaces, seem to be less attractive despite of huge investments of German banks in this field. However, models combining a bank’s core competence with new technology offer a high potential in e-commerce activities.