Denna studie behandlar digital transformation inom försäkringsbranschen som befinner sig i en förändringsfas. Detta innebär att analoga processer som tidigare haft ett stort mänskligt inflytande kommer att helt eller delvis automatiseras. Företag som ligger bakom digital innovation inom försäkringsbranschen och använder sig av digital teknik har fått benämningen “InsurTech´s”. Dessa företag bildar en länk mellan teknik och traditionella försäkringsbolag. Studiens syfte är utreda och analysera försäkringsbranschen med fokus på innebörden för digitalisering av kärnprocesserna. Detta har gjorts genom en bakgrundsinformerande litteraturstudie tillsammans med kvalitativa intervjuer av utvalda personer som innehar olika positioner inom branschen. Studien visar vilka effekter den digitala transformation har på personalbehov, processer, kundupplevelser och kostnader. Samtidigt har interna strukturer och typen av ledarskap en potentiell påverkan på digitaliseringens resultat. Studiens omfattning begränsar sig till den svenska marknaden och digitaliseringen inom svenska försäkringsbolag. Detta genom att beskriva skaderegleringsprocessens utformning från ett analogt till ett digitalt perspektiv vilket har förändrat kundens uppfattning om försäkringar och försäkringsbolag. / This paper examines digital transformation within the insurance industry which are in a period of change. this means that analogous processes that previously have had a large human influence will be wholly or partly automated. Companies working with developing new digital innovations within the insurance industry and using digital tools are referred as “InsurTech´s”. These companies form a link between technology and traditional insurance companies. The aim of the study is to investigate and analyze the insurance industry with a focus on the significance of digitization of the core processes. This has been done through a background-informing literature study together with qualitative interviews of selected persons who hold different positions in the industry.The study shows what effects the digital transformation has on staffing, processes, customer experiences and costs. At the same time, internal structures and the type of leadership have a potential impact on the results of digitization. The scope of the study is limited to the Swedish market and the digitization within Swedish insurance companies. This is by describing the design of the claims settlement process from an analogue to a digital perspective, which has changed the customer's perception of insurance and insurance companies.

The Covid-19 pandemic was detrimental to many industries and the sports industry was no exception. Due to ceased activity and financial deficit, sports organizations now look towards directing resources to developing digital technologies to enhance the customer experience. Jägersro Trot & Gallop is one of Sweden’s leading figures in the trotting industry, but they are suffering from financial decline and interest from customers. With no concrete plans on how to reach certain demographics, this study explores how digital technologies can help with reaching these demographics. This study introduces a new concept called Digital Bridge, which is prototyped in the form of a digital arena and then tested in two different qualitative focus groups. With a phenomenological approach, the study aims to understand the participant’s experience with the newly introduced concept. Findings show that the demographic between ages of 24-30 are prone to digital experiences presented in the prototype, with a high emphasis on socialization. Findings also show that the digital bridge can attract this demographic, even when individuals do not have prior experience with the sport. This study concludes that the concept of digital bridge can be beneficial for organizations who have difficulties in attracting new demographics.

This research project is a quantitative enquiry focused specifically on the value consumption of digital business platforms (DBP's) in relation to how informal sector traders (IST's) are using them to buy, sell and market their product and services in their daily trade functions. This study has adopted the approach of classifying the social media platforms, internet banking platforms and mobile payments platforms, as a single collective and defined under the banner of Digital Business Platforms. The advantage to this approach, is that it provides a multi-dimensional view of the perceived value-axis based on positive and negative experiences of using a variety of digital platforms including messaging, payments, and banking applications on their mobile phones in their daily trading functions. This study examines the positive experiences of perceived value (PV), collectively in the form of social value (SV), emotional value (EV) and functional value (FV). On the opposite end of the value spectrum, are the negative experiences of perceived risk in the form of price risk (PR) and technical barriers (TB) for the same group of informal sector traders. Understanding the relational impacts of these positive and negative experiences of value consumption, may lead to an understanding of their influence in the perceived usefulness (PU) and the perceived ease of use (PEoU) of DBP's. The results of these relationships will shed some light towards the behavioural intention (BI) to adopt DBP's and their actual usage in the long term. The analysis yielded the following results: for positive experiences, emotional value had the least impact on both perceived ease of use and usefulness and functional value was higher than social value. This means that IST's place more value on the utility of DBP's, than the emotional and social values. Regarding the negative experiences, price risk had the most significant impact on the willingness to adopt DBP's by ISTs.

Digital ecosystems are one of the most important strategic issues in the current digital economy. Digital ecosystems are dynamic and generative. They evolve as new firms join and as heterogeneous systems are integrated into other systems. These features digital ecosystems determine economic and technological success in the competition among digital platform systems. However, how these ecosystems evolve over time is not yet clearly known. I describe three empirical essays in order to understand the underlying mechanism of the evolution of a digital ecosystem: 1) the underlying architecture of a digital ecosystem, 2) the evolutionary pattern of a digital ecosystem, 3) and the co-evolution of a digital ecosystem. To explore these topics, I focus on the underlying generative structure of the ecosystem and its evolutionary pattern of WordPress, which is the world largest blog platform system. I collected a comprehensive set of information about the WordPress ecosystem including over 23,000 plug-ins from January 2004 to December 2014. To analyze the data, I apply a network approach to capture the generative nature of digital technology that assumes a fractal-like structure in which digital components such as Application Programming Interfaces (API) cluster into groups that generate other groups over time. As such, I can effectively capture the hierarchical structure of a network by exploring the topological structure of sub-networks that represent the fractal-like evolutionary dynamic system mechanism. The network approach, together with the conventional statistical approach, allows me to understand the unique nature of a digital ecosystem that is different from the boundary of a decomposable system, as the generative nature of system-agnostic digital components builds on a developmental combinable system. I also discuss underlying theory, methodology, data, result, and implications and conclude by highlighting the contributions of this study and the direction of future research to further explore the evolution of digital ecosystems. / Business Administration/Management Information Systems

Syfte Det övergripande syftet med studien var att öka förståelsen för hur digitalt mogna företag utformar och bedriver arbetet i de digitala enheterna. Studien har undersökt den del av organisationen som direkt eller indirekt arbetar med att utveckla digitala innovationer (digitala enheten) mot externa kunder, och har nyttjat konceptet verksamhetsmodell för att uppnå ett systemperspektiv i förståelsen. Syftet adresseras genom följande forskningsfråga: Vilka gemensamma faktorer finns hos digitalt mogna företags digitala enheter? Metod Studien är av explorativ karaktär med en induktiv forskningsansats, där en kvalitativt flerfallsstudie genomförts. För att studera digitalt mogna företag har urvalet skett med hjälp av digitala experter och tidigare forskning på digital mognad. Primärdata bestod av 21 semi-strukturerade intervjuer med informanter från 8 digitalt mogna företag med god insikt i respektive verksamhet, samt 4 intervjuer med experter inom digitalisering och verksamhetsutveckling. Sekundärdata bestod av publik information så som årsrapporter, presentationer och hemsidor m.fl.. Resultat Resultatet visar att det finns många gemensamma faktorer mellan de studerade verksamheterna som kan utgöra en förklaring till varför de är framstående inom digital innovation och mognad. Totalt har 22 gemensamma teman identifierats som till betydande grad återspeglats i de studerade verksamheterna. De identifierade teman aggregeras till ett förslag på 4 generiska designprinciper för hur verksamheter kan utformas och bedrivas för att främja digital innovation. Därtill presenteras ett ramverk för verksamhetsmodellering med fokus på digitala enheter. Teoretiska implikationer Det teoretiska bidrag som studier tillför är fyrfaldigt: (1) Studien skapar större insikter kring digitalt mogna företag och bekräftar indirekt mycket av tidigare forskning på digital mognad (2) utvecklar och konkretiserar konceptet verksamhetsmodell, (3) introducerar ett ramverk för verksamhetsmodellering i allmänhet och med generiska designprinciper för främjandet av digital innovation i synnerhet samt (4) bidrar till tvärdisciplinär forskning genom ett holistiskt perspektiv. Praktiska implikationer Det praktiska bidrag som studien skapar är kunskap kring verksamhetsdesign för samtida företagsledare i allmänhet, och i synnerhet för ledare som arbetar kring digital innovation. Ramverket och designprinciperna kan bidra till att företagsledare lättare kan skapa en överblick av verksamheten och aktivt utforma den för att stödja affärsmodellen och i förlängningen främja strategin. / Purpose The overall purpose of the study is to develop the understanding of how digitally maturing companies design and operates the digital unit. The study has examined the organization within the companies that directly or indirectly develop digital offerings (the digital unit) towards external customers , and has utilized the holistic concept of an operating model in order to do so. The purpose is addressed by the following research question: What common factors exist between the digital units of digitally maturing companies? Method The study is exploratory in its nature with an inductive approach, in which a qualitative multiple case study was conducted. In order to study digitally matured companies, the selection process involved the help of digital experts as well as previous studies on digital maturity. In total, 21 semi-structured interviews with informants from 8 digitally matured companies were conducted, together with 4 interviews with experts in digitalization and business development. The informants had a good understanding of respective organization, and the data was complemented with publicly available information such as reports, presentations and websites. Results The results show that there are many common factors between the studied organizations that can help explain as to why they are prevalent in digital innovation and maturity. In total, 22 common themes were identified between the organizations’ digital units by studying their operating models. The identified themes were aggregated into a proposal of 4 generic design principles for how the digital units could be designed in order to prosper digital innovation. In addition, a framework for operations modelling is presented with a focus on digital units. Theoretical implications The theoretical implications from the study is primarely fourfolded: (1) the study develops the knowledge of digitally matured companies and concretizes the result from previous studies. (2) The study develops the concept of an operating model by identifying and bridging 6 academic fields. (3) The study presents a suggested framework for modelling the operations in general, and particularly for the design of the digital unit. (4) The study support a multidisciplinary approach to studying best praxis from a holistic perspective. Practical implications The results from the study can serve as inspiration when designing organizations for today’s the managers in general, and for the managers within digital innovation in particular. The suggested framework and design principles can facilitate the process of understanding and designing a synergetic operation that support the business model and strategy.

Ett framgångsrikt innovationsarbete möjliggör för framtagningen och utvecklingen av nya och befintliga digitala produkter och tjänster. Digital innovation driver ett behov av att agera och samarbeta med andra företag och organisationer, vilket innebär att involveringen av externa aktörer kan leda till att utmaningar uppstår. Genom vår litteraturstudie har vi identifierat utmaningar, och undersökt hur dessa kan hanteras genom en kvalitativ intervjustudie, syftet med studien blir därför att genom en litteraturstudie skapa förståelse för vilka utmaningar som finns, samt identifiera hur dessa utmaningar kan hanteras genom en intervjustudie. De primära deltagarna i studien är anställda på ett etablerat och ledande företag som arbetar med digital innovation. Vi kommer att studera hur dessa utmaningar kan hanteras utifrån följande frågeställning: Hur kan utmaningar med involveringen av externa aktörer i digital innovation hanteras? Studiens resultat bidrar med föreslagna angreppssätt för att hantera utmaningar med involveringen av externa aktörer. / Successful innovation work enables the development of new and existing digital products andservices. Digital innovation drives a need to act and collaborate with other companies andorganizations, which means that involving external actors can lead to challenges. Through ourliterature study, we have identified challenges and investigated how these can be handledthrough qualitative interview studies. The purpose of the study is to create an understanding ofthe challenges that exist through a literature study, and to identify suggestions on how thesechallenges can be handled through interview studies. The primary participants in the study areemployees of an established and leading digital innovation company. We will study how thesechallenges can be addressed based on the following question: How can challenges with theinvolvement of external actors in digital innovation be handled? The study's results contributewith proposed approaches to succeed in dealing with challenges in the involvement of externalactors.

The Architecture, Engineering and Construction (AEC) industry is passive in employing innovative technologies and conducting change efforts. As a result, numerous companies in the AEC industry do not exploit many of the benefits, which otherwise can be achieved with digital innovations. When engaging with digital innovations, it is suggested to understand and verify the organizational capabilities of implementing new technologies instead of merely the capacity of the latest technologies considered. It is essential for organizations that go digital, to recognize a need for digital change while identifying the organizational obstacles that potentially can obstruct their change attempts. Hence, activities related to promoting and adopting new, innovative technologies are in practice concerned with change efforts, and challenges regarding how to implement and influence individuals to embrace them, thus making the best use of a considered digital tool. This research thesis explores how consultancy companies in the AEC industry are coping with the adoption and implemention of digital innovations. By taking the consultancy firm’s perspective, the thesis identifies, analyzes and addresses the main organizational obstacles that hinder digital adoption within the AEC industry. Methodologically, this research thesis builds on a qualitative single case study approach, seeking to achieve an understanding and analytical capability instead of a generalization. The qualitative means used involve 13 semi-structured interviews with employees at a Case Company as well as external experts working with digitalization and change management. Besides, through a literature review, the thesis compares and analyzes the findings from the interviews and how they are interrelated to existing literature regarding implementing digital innovations. The empirical results indicate that a main obstacle for implementing digital innovations at consultancy firms in the AEC industry is related to an inadequately articulated and mediated vision regarding the digital transformation process and the change required. The results show that the initiated and planned change projects are not systematically shared and communicated among the Case Company’s teams, and individuals alike. So, the practices for how the employees appropriately can proceed with an idea related to digital innovation are not widely understood nor shared. Accordingly, there is a lack of knowledge among managers and employees on why they should engage in digital change projects and how this can be done appropriately. Lastly, there is also a lack of time as well as financial and personal incentives allocated towards working with digital change. This research thesis emphasizes that an organizational vision, strategy, and procedures must be realized and mediated to all teams and individuals who are involved or affected by a digital change to address these obstacles. Managers and leaders need to foster the creation of change readiness required for the digital transformation process. This involves providing coworkers with sufficient prerequisites, mediating the change process and helping them to embrace it. For example, a) by explaining the benefits and the need for change, b) communicating and systematically informing the teams and individuals with the opportunities to develop necessary competences, and c) by offering guidance and managerial support. Still, it is essential to continuously evaluate change efforts to ensure that their outcome is valuable, instead of merely convincing individuals about the necessity of conducting a change. / Arkitektur, Ingenjör och Konstruktion (AEC) industrin beskrivs som passiv gällande att använda innovativ teknik och genomföra digital förändring. Därmed är det många företag inom AEC industrin som inte utnyttjar de fördelar som annars hade kunnat uppnås med digitala innovationer. När ett företag arbetar med digitala innovationer föreslås att man förstår och verifierar de organisatoriska kapaciteterna för att implementera en ny teknik istället för bara kapaciteten för den senaste teknologin som beaktas. För organisationer som strävar efter att bli digitalt adoptiva är det viktigt att urskilja ett behov om digital förändring och samtidigt identifiera de organisatoriska utmaningarna som potentiellt kan hindra deras förändringsförsök. När en verksamhet eftersträvar att främja och anta nya innovativa tekniker, så är det i praktiken ofta utmanande att influera individer att omfamna förändringen som dessa teknologier medför, och därmed utnyttja ett betraktat digitalt verktyg bäst. Denna forskningsuppsats undersöker hur konsultföretag i AEC-industrin klarar av implementeringen av digitala innovationer. Genom att ta ett konsultföretags perspektiv identifierar, analyserar och besvarar denna forskningsuppsats de viktigaste organisatoriska utmaningarna som hindrar digital adoption inom AEC-industrin. Forskningsmetoden bygger på en kvalitativ fallstudie som syftar till att uppnå en förståelse och analytisk förmåga istället för en generalisering. De kvalitativa medel som används involverar 13 semistrukturerade intervjuer med anställda på ett Case-företag samt externa experter som arbetar med digitalisering och förändringshantering. Genom att också utföra en litteraturstudie jämförs och analyseras resultaten från intervjuerna, samt hur de är relaterade till befintlig litteratur gällande implementering av digital innovation. Resultat visar att ett huvudhinder för att implementera digitala innovationer, för konsultföretag inom AEC-industrin, är en otillräckligt artikulerad och förmedlad vision om den digitala transformationsprocessen och den förändring som krävs. Planerade och påbörjade förändringsprojekt delas och kommuniceras inte heller systematiskt mellan Case-företagets teams och individer. Dessutom förstås eller delas inte metoderna för hur de anställda på ett lämpligt sätt kan gå vidare med en idé relaterad till digital innovation. Följaktligen saknas kunskap bland chefer och anställda om varför de ska engagera sig i digitala förändringsprojekt och hur detta kan göras på ett lämpligt sätt. Det saknas också tid såväl som ekonomiska och personliga incitament för att arbeta med digital förändring. För att hantera dessa hinder betonar denna forskningsuppsats att en organisatorisk vision, strategi och tillvägagångssätt måste realiseras och tydligt förmedlas till alla teams och individer som är involverade eller påverkade av en digital förändring. Chefer och ledare måste främja skapandet av en förändringsberedskap som krävs för den digitala transformationsprocessen. Detta involverar att ge kollegor tillräckliga förutsättningar, förmedla förändringsprocessen och hjälpa dem omfamna den. Till exempel, a) genom att förklara fördelarna och behovet av förändring, b) kommunicera och systematiskt informera teams och individer om möjligheterna för att utveckla nödvändiga kompetenser, c) genom att erbjuda vägledning och ledarstöd. Det är dock fortfarande viktigt att kontinuerligt utvärdera förändringsinsatser för att se till att deras resultat är värdefulla, istället för att endast övertyga individer om nödvändigheten av att genomföra en förändring.

Påskyndat av teknik går utvecklingen snabbare än någonsin. Generativ AI har blivit tillgänglig för allmänheten. Det ger möjligheter för verksamheter att nyttja AI-teknik utan större insatser och kunskap. Detta skiftar förutsättningarna inom digital innovation. Denna nya aktör skapar gap i litteraturen, där tidigare forskning behöver omvärderas. Ett viktigt forskningsområde är hur användningen av generativ AI påverkar digital innovation. En annan aspekt är hur innovatörer kan nyttja, och förhålla sig till generativ AI inom innovationsprocessen. För att undersöka detta har en kvalitativ studie genomförts, där empiri har samlats in genom åtta intervjuer. Studien har resulterat i en tematisk modell med följande teman: Generativ AI som en kollega; Generativ AI som resurs för digital innovation; Generativ AI ökar tillgängligheten till AI-teknik; Känslor gällande generativ AI; Problematik gällande generativ AI; Spridd och differentierad syn på digital innovation. Studien visar att generativ AI kan påverka digital innovation genom de resulterande temana. Vidare relateras dessa teman till innovationsprocessen, där en modifierad processmodell för innovation har tagits fram. Då användningen av generativ AI är ett relativt nytt fenomen är det sannolikt att innovatörer framöver kommer att öka sin användning av verktyget, vilket medför att fynden från denna studie riskerar att snabbt bli utdaterade. Vidare forskning bör därför utföra liknande studier med jämna mellanrum, för att fånga upp nya erfarenheter som uppstår av den ökade användningen. / Accelerated by technology, development is progressing faster than ever. Generative AI has become accessible to the general public. It provides opportunities for businesses to leverage AI technology without significant efforts and expertise. This shifts the conditions within digital innovation. This new actor creates gaps in the literature, where previous research needs to be reevaluated. An important research area is how the use of generative AI affects digital innovation. Another aspect is how innovators can utilize and engage with generative AI in the innovation process. To investigate this, a qualitative study has been conducted, where empirical data has been collected through eight interviews. The study has resulted in a thematic model with the following themes: Generative AI as a colleague; Generative AI as resource for digital innovation; Generative AI increases accessibility to AI technology; Emotions regarding generative AI; Challenges regarding generative AI; Diverse and differentiated views on digital innovation. The study shows that generative AI can affect digital innovation through the resulting themes. Furthermore, these themes were related to the innovation process, where a modified process model for innovation has been developed. Since the use of generative AI is a relatively new phenomenon, it is likely that innovators will increase their use of the tool in the future. This may render the findings from this study quickly outdated. Further research should therefore conduct similar studies at regular intervals to capture new experiences arising from increased usage.

Background – Inertia describes a state whereby companies develop slower relative the pace of change experienced by their environment, something most organizations experience at least once in their lifetime. Being in the state of inertia and consequently failing to adapt to change cause new businesses to replace old ones. Therefore, it is important for firms to be dynamic, which enables them to quickly recognize opportunities and threats. A way for companies to answer to these changes is to possess dynamic capabilities, which is found to be a solution for inertia. Digital innovation has played a key role in the evolution of dynamic environments. In order for companies to adapt to changing environments, the need for digital adaptation is becoming increasingly crucial. As a result, digital and social platforms have rapidly emerged throughout society, forcing companies to act to avoid stagnating in their development.   Purpose - This thesis aims to analyze how the utilization of Facebook as a dynamic capability can prevent inertia through the microscope of the Dynamic Capability Framework.   Method - Empirical data was collected through an interview study with employees at strategy and digital media consultancy firms. The participants possess extensive knowledge in the field of strategic implementation of social media. Primary data was gathered through semi-structured interviews and was analyzed in relation to the reviewed theory within inertia, dynamic capabilities, and digital innovation, by a thematic analysis. Findings - The findings of this thesis indicate that by dynamically utilizing Facebook, companies can extensively explore markets. This allows companies to continuously align existing resources by adapting and acting on identified trends within markets. Since these are actions within the Dynamic Capability Framework, a conclusion can be drawn that the usage of Facebook can be a dynamic capability. The usage of Facebook can therefore prevent organizations from entering the state of inertia. The findings further show that in order for the utilization of Facebook to be a dynamic capability, companies must possess extensive user skills and competencies. This research adds to the existing theory of digital media and business development by examining the usage of the social media platform, Facebook, through the lens of the Dynamic Capability Framework.

This dissertation investigates the role of information technology (IT) in organizational strategy. Specifically, it examines how organizations can persist in turbulent competitive landscapes characterized by IT innovations. Underlying premises for this dissertation are that: (1) ubiquitous IT implies constant disruptions from digital innovation, (2) IT and practice are becoming fused, and (3) organizational strategies are dynamically linked with practice, i.e. they are reciprocally related through what organizations do rather than have. To investigate such IT strategizing processes, I outline a conceptual framework for analyzing how organizations can generate digital capability, i.e. a collection of routines for strategizing by leveraging digital assets to create differential value. Digital assets here refer to the complement of available resources and competencies for IT design and implementation. Based on the notion of dynamic capability and evolutionary theory, this framework emphasizes the importance of sensing, seizing and transforming abilities for generating digital capability. As organizational practices are becoming fused with IT scholars have argued that attempting to disentangle them analytically is futile. In a similar vein, organizational strategy is increasingly reliant on available IT resources for both formulation and execution. In the IS field it is widely acknowledged that IT has both enabling and inhibiting consequences for organizations. Drawing on the resource-based view of the firm and theory on organizational capabilities, the notion of IT capability has been widely used as a conceptual tool for analyzing these dual strategic effects of IT. Considering the explosive advances in computing, network and interaction that have resulted in IT being ubiquitous and deeply embedded in contemporary practices, recent research argues for the need to move beyond the functional view of technology implicit in the IT capability notion. A key aspect to address for such broadening of the perspective is the coevolution of IT and business practices, i.e. who (or what) leads, who or what follows, and whether such a causal distinction is meaningful. Grounded in the outlined conceptual framework, this dissertation examines how organizations can build digital capability to both enable large variation and complexity of feasible competitive actions, and reduce inhibiting effects of IT. The empirical investigation is situated in three distinct domains: boundary spanning IT innovation, transformation of existing IT resources, and hybridization of technology through digitalization of production equipment. These investigations are presented in five research papers. The dissertation contribute to knowledge of IT strategy by: (1) explicating the construct of digital capability, (2) providing a framework for coevolutionary strategizing processes, (3) presenting an empirical illustration of the coevolution of IT and business strategies, and (4) offer specific insights on design and orchestration of processes for digital capability generation.