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This book examines reference modeling from different perspectives. It discusses reference modeling languages that provide special modeling language concepts for the development and application of reference models. The book also covers reference modeling methodologies, which additionally provide procedure models for the construction and application of reference models, as well as particular reference models.
The theme of this book "New strategies for financial services providers" is an equally relevant and important topic in science and practice. In the (post) informa tion age economy, the German financial services market and many big financial services providers are in a deep crisis. Increasing competition due to deregulation and improved transparency through new means of communication on the one hand, and empowered customers demanding individualized solutions for their fi nancial problems e. g. because of new working circumstances, increase the pres sure on the market participants to alter their strategies according to these new challenges. Many firms have reacted defensively either by merging in the hopes of realizing scale effects - a high-risk venture considering the last few years - or by adapting "me-too-strategies" (also known as "lemming-banking") that do not provide for a sustainable competitive advantage. Based on a profound analysis of developing mega-trends in the years ahead, es pecially in information and IT-intense market, Dr. Kundisch develops a new anti cyclical strategy that aims at using IT as an enabler to strengthen customer rela tionships and focus on individualized solutions wherever it seems economically sound to do so. However, he does not stop after the development of the strategy, but provides two important concepts that may help turn this vision and strategy into reality. Thus, he favorably and refreshingly differentiates against many contributions that stop at the fairly abstract strategic level.
Traditionally resources for R and D projects are allocated via planning and budgeting procedures, evaluation methods and hierarchical decision-committees. This book presents resource allocation via internal markets as an alternative to such hierarchical decision procedures. Internal R and D markets can help to overcome the weaknesses of traditional hierarchical structures, since they are characterised by short communication and decision procedures and thus contribute to the reduction of information asymmetries.
This book constitutes the refereed joint proceedings of four international workshops held in conjunction with the 22nd International Conference on Conceptual Modelling, ER 2003, held in Chicago, IL, USA in October 2003. The 35 revised full papers presented together with introduction to the four workshops were carefully reviewed and selected from numerous submissions. In accordance with the respective workshops, the papers are organized in topical sections on conceptual modelling approaches for e-business, conceptual modelling quality, agent-oriented information systems, XML data and schema.