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Gameful Learning for a More Sustainable World Measuring the Effect of Design Elements on Long-Term Learning Outcomes in Correct Waste Sorting
Business & Information Systems Engineering (2021)

Gameful Learning for a More Sustainable World Measuring the Effect of Design Elements on Long-Term Learning Outcomes in Correct Waste Sorting

Greta Hoffmann, Jella Pfeiffer
This study investigates the effectiveness of using a mobile game app to teach correct municipal waste sorting. In a laboratory experiment, researchers compared the learning outcomes of participants who used the game with a control group that used standard, non-game educational materials. The study also specifically analyzed the impact of two game design elements, repetition and a look-up feature, on long-term knowledge retention and real-world application.

Problem Effective municipal waste sorting is a critical component of sustainability efforts, but many citizens lack the knowledge to do it correctly. Existing educational resources, such as paper-based flyers, are often ineffective for transmitting the large amount of information needed for long-term behavioral change, creating a gap in public education that hinders recycling efficiency.

Outcome - Game-based learning significantly enhanced waste sorting knowledge across all tested measures (in-game, multiple-choice, and real-life sorting) compared to traditional paper-based materials.
- The game successfully transferred learning to a real-life sorting task, a result that has been difficult to achieve in similar studies.
- The 'look-up' feature within the game was identified as a particularly promising and effective design element for improving learning outcomes.
- The combination of 'repetition' and 'look-up' game mechanics resulted in significantly higher learning outcomes, especially within the digital testing environments.
Gameful design, Serious game, Gamification, Game-design elements, Cognitive learning strategies, Sustainability, Knowledge transfer
When Self-Humanization Leads to Algorithm Aversion What Users Want from Decision Support Systems on Prosocial Microlending Platforms
Business & Information Systems Engineering (2022)

When Self-Humanization Leads to Algorithm Aversion What Users Want from Decision Support Systems on Prosocial Microlending Platforms

Pascal Oliver Heßler, Jella Pfeiffer, Sebastian Hafenbrädl
This study investigates why people often reject algorithmic advice, specifically focusing on prosocial (e.g., charitable) versus for-profit decisions on microlending platforms. Using an online experiment, the research examines how the decision-making context affects users' aversion to algorithms and their preference for more human-like decision support systems.

Problem While algorithmic decision support systems are powerful tools, many users are averse to using them in certain situations, which reduces their adoption and effectiveness. This study addresses the gap in understanding why this 'algorithm aversion' occurs by exploring how the desire to feel human in prosocial contexts, where empathy and autonomy are valued, influences user preferences for decision support.

Outcome - In prosocial contexts, like charitable microlending, people place a higher importance on human-like attributes such as empathy and autonomy compared to for-profit contexts.
- This increased focus on empathy and autonomy leads to a greater aversion to using computer-based algorithms for decision support.
- Users who are more averse to algorithms show a stronger preference for decision support systems that seem more human-like.
- Consequently, users on prosocial platforms prefer more human-like decision support than users on for-profit platforms, suggesting that systems should be designed differently depending on their purpose.
Self-humanization, Algorithm aversion, Empathy, Autonomy, Decision support, Prosocial platforms
Beyond the office: an examination of remote work, social and job features on individual satisfaction and engagement
Personnel Review (2024)

Beyond the office: an examination of remote work, social and job features on individual satisfaction and engagement

Rossella Cappetta, Sara Lo Cascio, Massimo Magni, Alessia Marsico
This study examines the effects of remote work on employees' satisfaction and engagement, aiming to identify which factors enhance these outcomes. The research is based on a survey of 1,879 employees and 262 managers within a large company that utilizes a hybrid work model.

Problem The rapid and widespread adoption of remote work has fundamentally transformed work environments and disrupted traditional workplace dynamics. However, its effects on individual employees remain inconclusive, with conflicting evidence on whether it is a source of support or discomfort, creating a need to understand the key drivers of satisfaction and engagement in this new context.

Outcome - Remote work frequency is negatively associated with employee engagement and has no significant effect on job satisfaction.
- Positive social features, such as supportive team and leader relationships, significantly increase both job satisfaction and engagement.
- Job features like autonomy were found to be significant positive drivers for employees, but not for managers.
- A high-quality relationship between a leader and an employee (leader-member exchange) can alleviate the negative effects of exhaustion on satisfaction and engagement.
Remote work, Social exchanges, Job characteristics, Job satisfaction, Engagement
Building Habits in the Digital Age: Incorporating Psychological Needs and Knowledge from Practitioners to Inform the Design of Digital Therapeutics
International Conference on Wirtschaftsinformatik (2023)

Building Habits in the Digital Age: Incorporating Psychological Needs and Knowledge from Practitioners to Inform the Design of Digital Therapeutics

Jeannette Stark, Thure Weimann, Felix Reinsch, Emily Hickmann, Maren Kählig, Carola Gißke, and Peggy Richter
This study reviews the psychological requirements for forming habits and analyzes how these requirements are implemented in existing mobile habit-tracking apps. Through a content analysis of 57 applications, the research identifies key design gaps and proposes a set of principles to inform the creation of more effective Digital Therapeutics (DTx) for long-term behavioral change.

Problem Noncommunicable diseases (NCDs), a leading cause of death, often require sustained lifestyle and behavioral changes. While many digital apps aim to support habit formation, they often fail to facilitate the entire process, particularly the later stages where a habit becomes automatic and reliance on technology should decrease, creating a gap in effective long-term support.

Outcome - Conventional habit apps primarily support the first two stages of habit formation: deciding on a habit and translating it into an initial behavior.
- Most apps neglect the crucial later stages of habit strengthening, where technology use should be phased out to allow the habit to become truly automatic.
- A conflict of interest was identified, as the commercial need for continuous user engagement in many apps contradicts the goal of making a user's new habit independent of the technology.
- The research proposes specific design principles for Digital Therapeutics (DTx) to better support all four stages of habit formation, offering a pathway for developing more effective tools for NCD prevention and treatment.
Behavioral Change, Digital Therapeutics, Habits, Habit Apps, Non-communicable diseases
Responsible AI Design: The Authenticity, Control, Transparency Theory
Journal of the Association for Information Systems (2025)

Responsible AI Design: The Authenticity, Control, Transparency Theory

Andrea Rivera, Kaveh Abhari, Bo Xiao
This study explores how to design Artificial Intelligence (AI) responsibly from the perspective of AI designers. Using a grounded theory approach based on interviews with industry professionals, the paper develops the Authenticity, Control, Transparency (ACT) theory as a new framework for creating ethical AI.

Problem Current guidelines for responsible AI are fragmented and lack a cohesive theory to guide practice, leading to inconsistent outcomes. Existing research often focuses narrowly on specific attributes like algorithms or harm minimization, overlooking the broader design decisions that shape an AI's behavior from its inception.

Outcome - The study introduces the Authenticity, Control, and Transparency (ACT) theory as a practical framework for responsible AI design.
- It identifies three core mechanisms—authenticity, control, and transparency—that translate ethical design decisions into responsible AI behavior.
- These mechanisms are applied across three key design domains: the AI's architecture, its algorithms, and its functional affordances (capabilities offered to users).
- The theory shifts the focus from merely minimizing harm to also maximizing the benefits of AI, providing a more balanced approach to ethical design.
Responsible AI, AI Ethics, AI Design, Authenticity, Transparency, Control, Algorithmic Accountability
In Search of a “Style:” Capturing the Collective Identity of Social Movements Based on Digital Trace Data
Journal of the Association for Information Systems (2025)

In Search of a “Style:” Capturing the Collective Identity of Social Movements Based on Digital Trace Data

Theresa Henn-Latus, Sarah Tell, Julian Polenz, Thomas Kern, Oliver Posegga
This study investigates how online social movements form a collective identity, a topic of debate among scholars. Using socio-semantic network analysis of digital trace data from Twitter, the researchers conceptualize and measure the "style" of a movement, which combines both its cultural expressions and social interaction patterns. The German "Querdenken" movement, which protested COVID-19 measures, is used as a case study to demonstrate this methodology.

Problem Scholars are divided on whether online activism can foster a strong, unifying collective identity necessary for sustained action. Previous research often fails to capture the full picture by focusing on either cultural aspects (like shared hashtags) or social structures (like user networks), but not their interplay. This study addresses this gap by proposing a dual approach that examines both cultural and social dynamics together to understand how a collective identity emerges and persists online.

Outcome - The Querdenken movement successfully developed a distinct collective identity online, which manifested as recurring social and cultural patterns that persisted even as individual participants and leaders changed over time.
- The movement's social structure was a decentralized "network of networks" with leadership roles emerging temporarily and shifting between users, rather than being held by fixed individuals or official chapter accounts.
- The movement's identity was most strongly defined by its opposition to specific groups, primarily political authorities and scientific experts, whom they consistently portrayed with negative characteristics like incompetence and abuse of power.
- Culturally, the movement portrayed itself as a collective of active, rational, and critical protesters, blending organized actions like demonstrations with broad, general calls for resistance.
Collective Identity Online, Social Movements, Digital Trace Data, Socio-Semantic Networks, Connective Action, Leadership
Corporate Nomads: Working at the Boundary Between Corporate Work and Digital Nomadism
Journal of the Association for Information Systems (2025)

Corporate Nomads: Working at the Boundary Between Corporate Work and Digital Nomadism

Julian Marx, Milad Mirbabaie, Stefan Stieglitz
This study explores the emerging phenomenon of 'corporate nomads'—individuals who maintain permanent employment while adopting a nomadic, travel-based lifestyle. Through qualitative interviews with 37 corporate nomads, the research develops a process model to understand how these employees and their organizations negotiate the boundaries between traditional corporate structures and the flexibility of digital nomadism.

Problem Highly skilled knowledge workers increasingly desire the flexibility of a nomadic lifestyle, a concept traditionally seen as incompatible with permanent corporate employment. This creates a tension for organizations that need to attract and retain top talent but are built on location-dependent work models, leading to a professional paradox for employees wanting both stability and freedom.

Outcome - The study develops a three-phase process model (splintering, calibrating, and harmonizing) that explains how corporate nomads and their organizations successfully negotiate this new work arrangement.
- The integration of corporate nomads is not a one-sided decision but a mutual process of 'boundary work' requiring engagement, negotiation, and trade-offs from both the employee and the company.
- Corporate nomads operate as individual outliers who change their personal work boundaries (e.g., location and time) without transforming the entire organization's structure.
- Information Technology (IT) is crucial in managing the inherent tensions of this lifestyle, helping to balance organizational control with employee autonomy and enabling integration from a distance.
Corporate Nomads, Digital Nomads, Boundary Work, Digital Work, Information Systems
Capturing the “Social” in Social Networks: The Conceptualization and Empirical Application of Relational Quality
Journal of the Association for Information Systems (2025)

Capturing the “Social” in Social Networks: The Conceptualization and Empirical Application of Relational Quality

Christian Meske, Iris Junglas, Matthias Trier, Johannes Schneider, Roope Jaakonmäki, Jan vom Brocke
This study introduces and validates a concept called "relational quality" to better understand the social dynamics within online networks beyond just connection counts. By analyzing over 440,000 messages from two large corporate social networks, the researchers developed four measurable markers—being personal, curious, respectful, and sharing—to capture the richness of online relationships.

Problem Traditional analysis of social networks focuses heavily on structural aspects, such as who is connected to whom, but often overlooks the actual quality and nature of the interactions. This creates a research gap where the 'social' element of social networks is not fully understood, limiting our ability to see how online relationships create value. This study addresses this by developing a framework to conceptualize and measure the quality of these digital social interactions.

Outcome - Relational quality is a distinct and relevant dimension that complements traditional structural social network analysis (SNA), which typically only focuses on network structure.
- The study identifies and measures four key facets of relational quality: being personal, being curious, being polite, and sharing.
- Different types of users exhibit distinct patterns of relational quality; for instance, 'connectors' (users with many connections but low activity) are the most personal, while 'broadcasters' (users with high activity but few connections) share the most resources.
- As a user's activity (e.g., number of posts) increases, their interactions tend to become less personal, curious, and polite, while their sharing of resources increases.
- In contrast, as a user's number of connections grows, their interactions become more personal and curious, but they tend to share fewer resources.
Enterprise Social Network, Social Capital, Relational Quality, Social Network Analysis, Linguistic Analysis, Computational Research
Making Sense of Discursive Formations and Program Shifts in Large-Scale Digital Infrastructures
Journal of the Association for Information Systems (2025)

Making Sense of Discursive Formations and Program Shifts in Large-Scale Digital Infrastructures

Egil Øvrelid, Bendik Bygstad, Ole Hanseth
This study examines how public and professional discussions, known as discourses, shape major changes in large-scale digital systems like national e-health infrastructures. Using an 18-year in-depth case study of Norway's e-health development, the research analyzes how high-level strategic trends interact with on-the-ground practical challenges to drive fundamental shifts in technology programs.

Problem Implementing complex digital infrastructures like national e-health systems is notoriously difficult, and leaders often struggle to understand why some initiatives succeed while others fail. Previous research focused heavily on the role of powerful individuals or groups, paying less attention to the underlying, systemic influence of how different conversations about technology and strategy converge over time. This gap makes it difficult for policymakers to make sensible, long-term decisions and navigate the evolution of these critical systems.

Outcome - Major shifts in large digital infrastructure programs occur when high-level strategic discussions (macrodiscourses) and practical, operational-level discussions (microdiscourses) align and converge.
- This convergence happens through three distinct processes: 'connection' (a shared recognition of a problem), 'matching' (evaluating potential solutions that fit both high-level goals and practical needs), and 'merging' (making a decision and reconciling the different perspectives).
- The result of this convergence is a new "discursive formation"—a powerful, shared understanding that aligns stakeholders, technology, and strategy, effectively launching a new program and direction.
- Policymakers and managers can use this framework to better analyze the alignment between broad technological trends and their organization's specific, internal needs, leading to more informed and realistic strategic planning.
Discursive Formations, Discourse Convergence, Large-Scale Digital Infrastructures, E-Health Programs, Program Shifts, Sociotechnical Systems, IT Strategy
Toward Triadic Delegation: How Agentic IS Artifacts Affect the Patient-Doctor Relationship in Healthcare
Journal of the Association for Information Systems (2025)

Toward Triadic Delegation: How Agentic IS Artifacts Affect the Patient-Doctor Relationship in Healthcare

Pascal Fechner, Luis Lämmermann, Jannik Lockl, Maximilian Röglinger, Nils Urbach
This study investigates how autonomous information systems (agentic IS artifacts) are transforming the traditional two-way relationship between patients and doctors into a three-way, or triadic, relationship. Using an in-depth case study of an AI-powered health companion for managing neurogenic lower urinary tract dysfunction, the paper analyzes the new dynamics, roles, and interactions that emerge when an intelligent technology becomes an active participant in healthcare delivery.

Problem With the rise of artificial intelligence in medicine, autonomous systems are no longer just passive tools but active agents in patient care. This shift challenges the conventional patient-doctor dynamic, yet existing theories are ill-equipped to explain the complexities of this new three-part relationship. This research addresses the gap in understanding how these AI agents redefine roles, interactions, and potential conflicts in patient-centric healthcare.

Outcome - The introduction of an AI agent transforms the dyadic patient-doctor relationship into a triadic one, often with the AI acting as a central intermediary.
- The AI's capabilities create 'attribute interference,' where responsibilities and knowledge overlap between the patient, doctor, and AI, introducing new complexities.
- New 'triadic delegation choices' emerge, allowing tasks to be delegated to the doctor, the AI, or both, based on factors like task complexity and emotional context.
- The study identifies novel conflicts arising from this triad, including human concerns over losing control (autonomy conflicts), new information imbalances, and the blurring of traditional medical roles.
Agentic IS Artifacts, Delegation, Patient-Doctor Relationship, Personalized Healthcare, Triadic Delegation, Healthcare AI
Evolving Rural Life through Digital Transformation in Micro-Organisations
Communications of the Association for Information Systems (2025)

Evolving Rural Life through Digital Transformation in Micro-Organisations

Johanna Lindberg, Mari Runardotter, Anna Ståhlbröst
This study investigates how low-tech digital solutions can improve living conditions and services in rural communities. Through a participatory action research approach in northern Sweden, the DigiBy project implemented and adapted various digital services, such as digital locks and information venues, in micro-organizations like retail stores and village associations.

Problem Rural areas often face significant challenges, including sparse populations and a significant service gap compared to urban centers, leading to digital polarization. This study addresses how this divide affects the quality of life and hinders the development of rural societies, whose distinct needs are often overlooked by mainstream technological advancements.

Outcome - Low-cost, robust, and user-friendly digital solutions can significantly reduce the service gap between rural villages and municipal centers, noticeably improving residents' quality of life.
- Empowering residents through collaborative implementation of tailored digital solutions enhances their digital skills and knowledge about technology.
- The introduction of digital services fosters hope, optimism, and a sense of belonging among rural residents, mitigating crises related to service disparities.
- The study concludes that the primary driver for adopting these technologies in villages is the promise of technical acceleration to meet local needs, which in turn drives positive social change.
Digital Transformation, Rural Societies, Digital Retail Service, Adaptation, Action Research
Conceptualizing IT Artefacts for Policymaking – How IT Artefacts Evolve as Policy Objects
Communications of the Association for Information Systems (2025)

Conceptualizing IT Artefacts for Policymaking – How IT Artefacts Evolve as Policy Objects

Karin Väyrynen, Sari Laari-Salmela, Netta Iivari, Arto Lanamäki, Marianne Kinnula
This study explores how an information technology (IT) artefact evolves into a 'policy object' during the policymaking process, using a 4.5-year longitudinal case study of the Finnish Taximeter Law. The research proposes a conceptual framework that identifies three forms of the artefact as it moves through the policy cycle: a mental construct, a policy text, and a material IT artefact. This framework helps to understand the dynamics and challenges of regulating technology.

Problem While policymaking related to information technology is increasingly significant, the challenges stemming from the complex, multifaceted nature of IT are poorly understood. There is a specific gap in understanding how real-world IT artefacts are translated into abstract policy texts and how those texts are subsequently reinterpreted back into actionable technologies. This 'translation' process often leads to ambiguity and unintended consequences during implementation.

Outcome - Proposes a novel conceptual framework for understanding the evolution of an IT artefact as a policy object during a public policy cycle.
- Identifies three distinct forms the IT artefact takes: 1) a mental construct in the minds of policymakers and stakeholders, 2) a policy text such as a law, and 3) a material IT artefact as a real-world technology that aligns with the policy.
- Highlights the significant challenges in translating complex real-world technologies into abstract legal text and back again, which can create ambiguity and implementation difficulties.
- Distinguishes between IT artefacts at the policy level and IT artefacts as real-world technologies, showing how they evolve on separate but interconnected tracks.
IT Artefact, IT Regulation, Law, Policy Object, Policy Cycle, Public Policymaking, European Al Act
Digital Sustainability Trade-Offs: Public Perceptions of Mobile Radiation and Green Roofs
Communications of the Association for Information Systems (2025)

Digital Sustainability Trade-Offs: Public Perceptions of Mobile Radiation and Green Roofs

Laura Recuero Virto, Peter Saba, Arno Thielens, Marek Czerwiński, Paul Noumba Um
This study investigates public opinion on the trade-offs between digital technology and environmental sustainability, specifically focusing on the effects of mobile radiation on green roofs. Using a survey and a Discrete Choice Experiment with an urban French population, the research assesses public willingness to fund research into the health impacts on both humans and plants.

Problem As cities adopt sustainable solutions like green roofs, they are also expanding digital infrastructure such as 5G mobile antennas, which are often placed on rooftops. This creates a potential conflict where the ecological benefits of green roofs are compromised by mobile radiation, but the public's perception and valuation of this trade-off between technology and environment are not well understood.

Outcome - The public shows a significant preference for funding research on the human health impacts of mobile radiation, with a willingness to pay nearly twice as much compared to research on plant health.
- Despite the lower priority, there is still considerable public support for researching the effects of radiation on plant health, indicating a desire to address both human and environmental concerns.
- When assessing risks, people's decisions are primarily driven by cognitive, rational analysis rather than by emotional or moral concerns.
- The public shows no strong preference for non-invasive research methods (like computer simulations) over traditional laboratory and field experiments.
- As the cost of funding research initiatives increases, the public's willingness to pay for them decreases.
Digital Sustainability, Green Roofs, Mobile Radiation, Risk Perception, Public Health, Willingness to Pay, Environmental Policy
The Digital Language of Emotion: Cautions and Solutions for Strategic Use of Emoji in Responding Information System Incidents
Communications of the Association for Information Systems (2025)

The Digital Language of Emotion: Cautions and Solutions for Strategic Use of Emoji in Responding Information System Incidents

Soojin Roh, Shubin Yu
This paper investigates if, when, and how organizations can strategically use emojis in online communications when responding to information system (IS) incidents. Through three experimental studies conducted with Chinese and U.S. participants, the research examines how cultural context, the source of the message (CEO vs. company account), and incident type influence public perception.

Problem As companies increasingly use emojis in professional communications, there is a risk of missteps, especially in crisis situations. A lack of understanding of how emojis shape public perception across different cultures can lead to reputational harm, and existing research lacks empirical evidence on their strategic and cross-cultural application in responding to IS incidents.

Outcome - For Chinese audiences, using emojis in IS incident responses is generally positive, as it reduces psychological distance, alleviates anger, and increases perceptions of warmth and competence.
- The positive effect of emojis in China is stronger when used by an official company account rather than a CEO, and when the company is responsible for the incident.
- In contrast, U.S. audiences tend to evaluate the use of emojis negatively in incident responses.
- The negative perception among U.S. audiences is particularly strong when a CEO uses an emoji to respond to an internally-caused incident, leading to increased anger and perceptions of incompetence.
Emoji, Information System Incident, Social Media, Psychological Distance, Warmth, Competence
Digital Detox? A Mixed-Method Examination of Hedonic IT Abstinence Maintenance and its Effects on Productivity and Moderation of Use
Communications of the Association for Information Systems (2025)

Digital Detox? A Mixed-Method Examination of Hedonic IT Abstinence Maintenance and its Effects on Productivity and Moderation of Use

Isaac Vaghefi, Ofir Turel
This study investigates the factors that help people successfully maintain a temporary break from using enjoyable technologies like social media, often called a "digital detox". Using a mixed-method approach, researchers first developed a theoretical framework, refined it through a qualitative study with individuals abstaining from social networking sites (SNS), and then tested the resulting model with a quantitative survey.

Problem Excessive use of technologies like social media is linked to negative outcomes such as reduced well-being, lower performance, and increased stress. While many people attempt a "digital detox" to mitigate these harms, there is limited understanding of what factors actually help them sustain this break from technology, as prior research has focused more on permanent quitting rather than temporary abstinence.

Outcome - A person's belief in their own ability to abstain (self-efficacy) is a key predictor of successfully maintaining a digital detox.
- Pre-existing, automatic habits of using technology make it harder to abstain, but successfully abstaining helps form a new counter-habit that supports the detox.
- Peer pressure from one's social circle to use technology significantly hinders the ability to maintain a break.
- Successfully maintaining a digital detox leads to increased self-reported productivity and a stronger intention to moderate technology use in the future.
Digital Detox, Abstinence, Behavior Maintenance, Social Networking Site, Hedonic IT, Productivity, Self-control
Digital Transformation Toward Data-Driven Decision-Making: Theorizing Action Strategies in Response to Transformation Challenges
Communications of the Association for Information Systems (2025)

Digital Transformation Toward Data-Driven Decision-Making: Theorizing Action Strategies in Response to Transformation Challenges

Sune D. Müller, Michael Zaggl, Rose Svangaard, Anja M. Jakobsen
This study investigates and theorizes how business leaders can overcome the challenges of digital transformation toward data-driven decision-making. Using an in-depth, qualitative case study of Smukfest, a large Danish festival, the research develops a framework of action strategies for leadership.

Problem Many organizations fail to achieve their digital transformation objectives because business leaders are often overwhelmed by the associated technical, organizational, and societal challenges. There is significant uncertainty and a lack of actionable guidance on how leaders should strategize and manage the transition to a data-driven culture.

Outcome - Business leaders face significant organizational challenges (e.g., resistant culture, fear of surveillance) and strategic challenges (e.g., balancing intuition with objectivity, unifying the leadership team).
- Leaders can manage these challenges through mitigating actions such as creating a sense of digital urgency, developing digital competencies, using storytelling to communicate potential, and acting as role models.
- The paper proposes the 'Executive Action Strategies of Engagement (EASE)' framework, which outlines four strategies (Unite, Organize, Manage, Participate) to guide leaders.
- The EASE framework provides a new, empirically grounded perspective on managing digital transformation by clarifying the roles and actions required of business leaders.
Digital Transformation, Leadership, Data-Driven Decision-Making, Case Study, EASE Framework, Organizational Culture, Action Strategies
Frugal Fintech Ecosystem Development: A Resource Orchestration Perspective
Communications of the Association for Information Systems (2024)

Frugal Fintech Ecosystem Development: A Resource Orchestration Perspective

Prakash Dhavamani, Barney Tan, Daniel Gozman, Leben Johnson
This study investigates how a financial technology (Fintech) ecosystem was successfully established in a resource-constrained environment, using the Vizag Fintech Valley in India as a case study. The research examines the specific processes of gathering resources, building capabilities, and creating market value under significant budget limitations. It proposes a practical framework to guide the development of similar 'frugal' innovation hubs in other developing regions.

Problem There is limited research on how to launch and develop a Fintech ecosystem, especially in resource-scarce developing countries where the potential benefits like financial inclusion are greatest. Most existing studies focus on developed nations, and their findings are not easily transferable to environments with tight budgets, a lack of specialized talent, and less mature infrastructure. This knowledge gap makes it difficult for policymakers and entrepreneurs to create successful Fintech hubs in these regions.

Outcome - The research introduces a practical framework for building Fintech ecosystems in resource-scarce settings, called the Frugal Fintech Ecosystem Development (FFED) framework.
- The framework identifies three core stages: Structuring (gathering and prioritizing available resources), Bundling (combining resources to build capabilities), and Leveraging (using those capabilities to seize market opportunities).
- It highlights five key sub-processes for success in a frugal context: bricolaging (creatively using resources at hand), prioritizing, emulating (learning from established ecosystems), extrapolating, and sandboxing (safe, small-scale experimentation).
- The study shows that by orchestrating resources effectively, even frugal ecosystems can achieve outcomes comparable to those in well-funded regions, a concept termed 'equifinality'.
- The findings offer an evidence-based guide for policymakers to design regulations and support models that foster sustainable Fintech growth in developing economies.
Fintech Ecosystem, India, Frugal Innovation, Resource Orchestration, Case Study
Blockchain Technology in Commercial Real Estate: Developing a Conceptual Design for Smart Contracts
Communications of the Association for Information Systems (2024)

Blockchain Technology in Commercial Real Estate: Developing a Conceptual Design for Smart Contracts

Evgeny Exter, Milan Radosavljevic
This study proposes a conceptual design for smart contracts on the Ethereum blockchain to transform commercial real estate transactions. Using an action design science research methodology, the paper develops and validates a prototype that employs tokenization to address inefficiencies. The research focuses on the Swiss real estate market to demonstrate how this technology can create more transparent, secure, and efficient processes.

Problem Commercial real estate transactions are inherently complex, inefficient, and costly due to multiple intermediaries, high volumes of documentation, and the illiquid nature of the assets. This process suffers from a lack of transparency and information asymmetry, and despite the potential of blockchain and smart contracts to solve these issues, their application in the industry is still in its nascent stages.

Outcome - Smart contracts have the potential to significantly reduce transaction costs and improve efficiency in the commercial real estate industry.
- The research developed a prototype that demonstrates real estate processes can be encoded into an ERC777 smart contract, leading to faster transaction speeds and lower fees.
- Tokenization of real estate assets on the blockchain can increase investment liquidity and open the market to smaller investors.
- The proposed system enhances transparency, security, and regulatory compliance by embedding features like KYC/AML checks directly into the smart contract.
Blockchain, Smart Contracts, Commercial Real Estate, Design Science Research, Action Design Science Research, Tokenization
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