Regulatory Influence on Business Model and Individual Behaviour in a European Multinational Bank

Doctoral Thesis / Dissertation , 2022 , 238 Pages , Grade: 1,0

Business economics - Business Management, Corporate Governance

In response to the 2007-2008 financial crisis, regulatory requirements have increased over the years, forcing banks, employees and regulators to act in a sustainable manner. This thesis investigates the change and transformation process of major banks from an external and internal perspective. Therefore, the purpose of this thesis is to explore the implications of the regulatory influence on the banking business model and personal behaviour and motivations of bank employees and regulators from a multinational systematically important bank in the European Union.

Therefore, this work contributes to knowledge in the field of change and transformation process for multinational banks, due to the growing regulatory requirements of previous years. It provides a unique analysis of the changes of the banking business model and the related changes of human behaviour and job motivation. In particular, the employees of a bank (ranging from new staff to established experts and from managers to members of the regulatory authorities) who give personal and deep insights into the challenges they face in their workplaces and reflect on the reasons for their actions and expectations.

Inhaltsverzeichnis (Table of Contents)

• Abstract
• Student declaration
• Acknowledgements
• Chapter 1: Introduction
• 1.1 Introduction
• 1.2 Problem statement and research questions
• 1.3 Research aims and objectives
• 1.4 Scope and limitations of the research
• 1.5 Structure of the thesis
• Chapter 2: Literature review
• 2.1 Introduction
• 2.2 The financial crisis of 2007-2008 and its impact on the banking industry
• 2.3 Regulatory response to the financial crisis
• 2.4 Impact of regulation on banking business models
• 2.5 Impact of regulation on individual behaviour
• 2.6 Summary of the literature review
• Chapter 3: Methodology
• 3.1 Introduction
• 3.2 Research philosophy and epistemology
• 3.3 Research design and methods
• 3.4 Data collection and analysis
• 3.5 Ethical considerations
• 3.6 Summary of the methodology
• Chapter 4: Findings and analysis
• 4.1 Introduction
• 4.2 The regulatory landscape
• 4.3 The impact of regulation on the banking business model
• 4.4 The impact of regulation on individual behaviour
• 4.5 The role of culture and communication in the implementation of regulation
• 4.6 Summary of findings and analysis
• Chapter 5: Discussion
• 5.1 Introduction
• 5.2 Discussion of findings
• 5.3 Implications for practitioners and policymakers
• 5.4 Limitations of the research
• 5.5 Suggestions for future research
• 5.6 Conclusion
• References
• Appendix

Zielsetzung und Themenschwerpunkte (Objectives and Key Themes)

This thesis explores the implications of regulatory influence on the banking business model and personal behavior and motivations of bank employees and regulators from a multinational systematically important bank in the European Union. It aims to understand how regulatory requirements have impacted the banking industry and its employees in the wake of the 2007-2008 financial crisis.

• The impact of regulatory requirements on the banking business model
• The effects of regulatory influence on individual behaviour and motivations of bank employees
• The role of culture and communication in the implementation of regulatory changes within the banking industry
• The challenges and opportunities presented by the regulatory environment for both banks and their employees
• The importance of understanding the interplay between regulatory frameworks, business practices, and individual behaviour within the banking sector

Zusammenfassung der Kapitel (Chapter Summaries)

This section provides a concise summary of the main themes and arguments presented in each chapter of the thesis, excluding the final chapter and conclusion. The content aims to provide a comprehensive overview of the research without revealing major conclusions or spoilers.

• Chapter 1: Introduction This chapter introduces the research topic, provides context for the study, and outlines the research questions, aims, and objectives. It also defines the scope and limitations of the research and presents the structure of the thesis.
• Chapter 2: Literature Review This chapter provides an extensive review of existing literature related to the impact of regulation on the banking industry, with particular emphasis on the impact of the 2007-2008 financial crisis. It examines the regulatory response to the crisis and its consequences for banking business models and individual behaviour.
• Chapter 3: Methodology This chapter outlines the research philosophy, epistemology, design, and methods employed in the study. It explains the data collection and analysis techniques and addresses ethical considerations. The chapter provides a comprehensive overview of the research approach, justifying the choices made in the study's design.
• Chapter 4: Findings and Analysis This chapter presents and analyzes the data collected through the research. The chapter explores the regulatory landscape and its impact on the banking business model, individual behaviour, and the role of culture and communication in implementing regulatory changes. It provides in-depth analysis of the findings, drawing connections between regulatory frameworks, business practices, and individual behaviour within the banking industry.
• Chapter 5: Discussion This chapter discusses the findings presented in Chapter 4, drawing conclusions and providing insights into the implications for practitioners, policymakers, and future research. It reflects on the limitations of the study and suggests areas for further exploration.

Schlüsselwörter (Keywords)

The primary focus of this thesis revolves around the impact of regulatory influence on the banking business model and individual behaviour. The research delves into the transformation process of multinational banks in response to the 2007-2008 financial crisis, examining the implications of regulatory requirements on bank employees and regulators. Key terms and concepts explored include: regulatory response, banking business model, individual behaviour, motivation, culture, communication, and the European Union.

• College: University of Gloucestershire (Faculty of Business, Education & Professional Studies)
• Grade: 1,0
• Author: Dr. Johann Zweigardt (Author)
• Publication Year: 2022
• Pages: 238
• Catalog Number: V1291167
• ISBN (PDF): 9783346763372
• ISBN (Book): 9783346763389
• Language: English
• Tags: Banking, management, organisational psychology, motivation, personal behaviour, transformation and change process