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Cited by 10Outsourcing and Supply Chain ManagementBanking stability, regulation, efficiencyAccounting and Organizational Management

What drives the disintegration of the loan origination value chain in the banking business

Scannella, Enzo·2015·Business Process Management Journal
DOI 10.1108/bpmj-02-2014-0017
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Abstract

Purpose – The purpose of this paper is to analyze the vertical disintegration of the bank loan origination value chain. This paper conducts a study on the credit information market from the perspective of the bank’s decision to vertically disintegrate the loan origination value chain. The main aim is to identify the relevant drivers of the decision to vertically disintegrate the credit assessment phase in the lending business. Design/methodology/approach – Transaction cost economics and information asymmetry are the typical perspectives of analysis of the vertical scope of business value chains. Findings – This paper argues that in order to capture the drivers underlying the dynamic evolution of the vertical scope of bank loan origination business models, the above perspectives must be combined and integrated further with a resource-based view and the modularity perspective. Combining managerial and financial perspectives, this paper offers an examination of the drivers of vertical disintegration in the lending value chain and, specifically, in the credit assessment phase. Originality/value – Although the existence of substantial research on value chain vertical integration/disintegration in the literature, none has directly focussed on the credit assessment value chain. It leaves a gap that the paper aims to overcome. The value chain disintegration has deep managerial and financial implications at firm and industry levels, and the comprehension of the rational underlying it is critical to maintaining competitive business model configurations in the bank lending industry.

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Registry

Crossref · 10.1108/bpmj-02-2014-0017

Cites

85 of 85 references verified0 citation errors · 0 not checkable

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Authors
Scannella, E.
Affiliations
University of Palermo (IT)
Corresponding author
Scannella, Enzo
ORCID
Scannella, Enzo
Venue
Business Process Management Journal
Publisher
Emerald
Published
2015-04-07
Volume
21
Issue
2
Pages
288-311
ISSN
1463-7154 (ISSN-L)
DOI
10.1108/bpmj-02-2014-0017
OpenAlex
W2003757418
Cited by
10
References
88
Citations by year
2024: 3 · 2023: 2 · 2022: 1 · 2021: 1 · 2019: 1 · 2018: 2
FWCI
1.46
Type
journal article
Language
en
Open access
closed
Licence
www.emerald.com/insight/site-policies (tdm)
Locations
  • Business Process Management Journal (publishedVersion)
  • Nova Science Publishers (Nova Science Publishers, Inc.) (submittedVersion)
Topics
  • Social Sciences › Business, Management and Accounting › Management Information Systems › Outsourcing and Supply Chain Management
  • Social Sciences › Economics, Econometrics and Finance › Finance › Banking stability, regulation, efficiency
  • Social Sciences › Business, Management and Accounting › Management Information Systems › Accounting and Organizational Management
Keywords
loan origination, vertical disintegration, creditworthiness assessment, bank lending, transaction cost economics, information asymmetry, resource-based view, modularity, business models, competitive advantage

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