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Les 10 000 agences de voyages en Allemagne et les 4 000 agences de voyages en France marquent le paysage touristique des deux pays et jouent un rôle important dans la distribution des prestations touristiques. Nous nous sommes interrogée sur la dynamique des agences de voyages en Allemagne et en France et sur les facteurs qui peuvent potentiellement expliquer leur dynamique hétérogène. La France se trouve dans une situation d'exception concernant la dynamique de ses agences de voyages : contrairement à beaucoup d'autres pays, le nombre d'agences de voyages françaises n'a pas diminué dans la dernière décennie. Ainsi, cela donne lieu à une remise en question de la relation fréquemment décrite comme causale entre la croissance de l'e-tourisme et la diminution du nombre d'agences de voyages. Au travers des méthodes quantitatives et qualitatives, nous avons comparé les facteurs juridiques, spatiaux, numériques et culturels qui influencent la structure des agences de voyages dans les deux pays. Cela nous a permis de montrer que les différences dans la législation affectent la structure des agences de voyages. Les agences de voyages françaises peuvent également jouer un rôle dans le tourisme réceptif de proximité (contrairement à ce qui se passe en Allemagne) de sorte que les facteurs spatiaux dans les deux pays présentent des différences. Notre étude indique aussi que l'e-tourisme entraîne une augmentation du nombre d'agences de voyages spécialisées. Enfin, il s'avère que les différences culturelles entre les clients des agences de voyages des deux pays sont plus faibles qu'attendues, aussi nous avons montré à travers l'étude d'exemples, que la presse touristique en particulier, crée des images erronées et participe à renforcer les stéréotypes de différenciation qui perdurent entre les deux pays. / The 10,000 travel agencies in Germany and 4,000 travel agencies in France shape the tourist landscape and play an important role for the tourism industry in both countries. We analyse the development of the number of travel agencies in France and Germany in order to identify factors that may explain the heterogeneity of the two systems. In this context, France can be seen as an exception: in comparison to many other countries, the number of French travel agencies has not decreased during the last decade. Thus, the French system challenges the relationship (often considered a causal one) between the rise of e-tourism and the decrease of travel agencies. By means of quantitative and qualitative methods we compare legal, spatial, technological and cultural factors in the two countries. We show that differences in the legislation affect the travel agency structure. Furthermore, French travel agencies are more likely to have a receptive character which means that spatial factors of the two countries can be different. Our study also indicates that e-tourism leads to a growth of specialized travel agencies. Furthermore, cultural differences between travel agency customers are smaller than expected. We present examples which demonstrate that the tourism press conveys a misleading impression regarding this topic and reinforces stereotypes. / Die 10 000 Reisebüros in Deutschland und 4 000 Reisebüros in Frankreich formen die touristische Landschaft und spielen eine wichtige Rolle im Vertrieb touristischer Dienstleistungen. Wir analysieren die Reisebürodynamik in Frankreich und Deutschland und identifizieren Faktoren, welche die heterogene Entwicklung der beiden Systeme erklären können. Frankreich eignet sich dabei als Vergleichsland, da die Anzahl französischer Reisebüros im Vergleich zu vielen anderen Ländern in der letzten Dekade nicht abgenommen hat. Das gibt Anlass, den häufig als kausal beschriebenen Zusammenhang zwischen der Zunahme des e-Tourismus und der Abnahme der Anzahl Reisebüros zu hinterfragen. Mit Hilfe von quantitativen und qualitativen Methoden vergleichen wir politisch-juristische, räumliche, technische und kulturelle Einflussfaktoren auf die Reisebürostruktur der beiden Länder. Wir zeigen auf, dass vor allem Unterschiede in der Gesetzeslage die Reisebürostruktur beeinflussen. Auβerdem nehmen französische Reisebüros in Teilen eine rezeptive Rolle ein, so dass die räumlichen Einflussfaktoren Unterschiede aufweisen. Unsere Studie weist darauf hin, dass der e-Tourismus eine Profilschärfung der Reisebüros in Richtung Spezialist bewirkt. Die kulturellen Unterschiede zwischen den Reisebürokunden der beiden. Länder sind kleiner als erwartet. Wir zeigen anhand von Beispielen, dass hier die touristische Fachpresse einen falschen Eindruck erweckt und Stereitypen zwischen den beiden Ländern verstärkt.

2015年臺灣超過1,300萬人次出國，並由3,000多家旅行社服務，臺灣旅遊業競爭相當激烈。資訊科技與網際網路興起，促使電子商務模式日臻成熟，線上旅遊產品通路（OTA）也順勢發展。並且，全球廉價航空公司興起，航空公司因競爭激烈，利潤降低而欲向下游整合，自行創立旅行社直接服務消費者，都使得傳統旅行社面臨被去中間化的威脅。 因此，本論文透過SCP模型分析臺灣傳統旅行社的發展階段和政策的影響，以及市場結構、企業行為與市場績效，用以解釋目前旅遊產業的環境及所面臨的困境。接續針對專家學者、消費者及通路商進行專家問卷訪談，得到團體旅遊創新商業模式，用以檢視個案旅行社積極引進資訊科技改善作業效率，結合資訊科技與旅遊產業經營知識的整合運用，串接整個旅行產業內外部的價值鏈，達到旅客需求傳遞一致及服務不中斷，讓自身得以產生中間價值，是否符合團體旅遊產業鏈再中間化之成效。最後針對個案公司給予相關建議。 / In 2015, over 13 million people in Taiwan traveled abroad and they were serviced by more than 3,000 travel agencies, showing how fierce competition is in the travel industry. At the same time, the rise of both the information technology and the Internet has led to the maturation of the E-Commerce model, followed by the development of online travel agencies. Moreover, the rise of low-cost airlines has prompted traditional airlines to start their own travel agencies and directly serve their customers, in order to compensate for the loss in profits due to increased competition. All factors mentioned above indicate the threats faced by traditional travel agencies nowadays. Therefore, this dissertation is aimed at understanding the current travel industry in Taiwan as well as challenges it faces by using the SCP model to analyze the following: phases involved in the development of traditional travel agencies, influence of governmental policies on the travel industry, market structure, corporate behavior and market performance. Furthermore, this dissertation will introduce an innovative business model for group traveling, obtained after interviewing experts, scholars, business customers and distributors. The model is then used to check whether effective reintermediation of the group traveling industry will occur by reviewing a specific case company, which has actively introduced IT to improve its operating efficiency, combined it with knowledge in management of the traveling field, and connected the value chain within and without the whole travel industry,. These actions have contributed to consistent transmission of travelers’ needs and uninterrupted service, which then increased the value of the case company itself as a middle man. Finally, this dissertation proposes several recommendations for the case company.

Este trabalho trata sobre marketing bancário, mais precisamente sobre o processo de distribuição de produtos e serviços bancários. O processo de distribuição dos bancos sempre se caracterizou por uma distribuição direta. Inicialmente, através exclusivamente de uma rede de agências próprias. Posteriormente, ampliando o atendimento para caixas eletrônicos, internet banking, telefone, todas formas de atendimento direto. Recentemente, alguns varejistas passaram a oferecer produtos financeiros diretamente para seus clientes, num processo chamado de desintermediação financeira. O sistema bancário captou esta oportunidade e, ao invés de entrar em competição com os varejistas, adotou a desintermediação financeira como um canal indireto de distribuição, tornando os varejistas correspondentes bancários. O objetivo deste trabalho é compreender a deseintermediação financeira sob a ótica de marketing. No processo de desintermediação financeira analisado, os correspondentes bancários surgem como um canal indireto de distribuição. A introdução deste novo canal altera alguns conceitos do marketing bancário, produz mudanças nos relacionamentos dos clientes com as instituições financeiras, cria novas oportunidades e abre novos mercados ao setor bancário. Dada à concentração do mercado em cinco grandes bancos (Banco Itaú, Banco Bradesco, Banco do Brasil, Banco Santander e Caixa Econômica Federal), responsáveis por mais de 80% do mercado nacional, optou-se pela realização de um estudo de caso múltiplo, entrevistando executivos responsáveis pelos correspondentes bancários, fazendo observação no correspondente por meio do cliente misterioso e por meio de dados secundários. Como resultado, é possível identificar novos mercados que os bancos passaram a atender graças aos correspondentes bancários desses bancos, novas formas de relacionamento entre clientes e bancos, uma alteração no fluxo de distribuição e na estratégia de distribuição dos cinco bancos pesquisados. / This work deals with bank marketing, specifically on the process of distribution of banking products and services. The banks\' distribution process has always been characterized by a direct distribution. Initially, it was done exclusively through a network of own agencies. Later, the banks expanded the service to ATMs, internet banking, telephone, all forms of direct care. Recently, some retailers began to offer financial products directly to their customers, in a process called financial disintermediation. The banking system has captured this opportunity and instead of entering into competition with retailers, adopted the financial disintermediation as an indirect channel distribution, turning retailers in correspondent banking. The objective of this study is to understand the financial disintermediation from the perspective of marketing. In the process of financial disintermediation analyzed, correspondent banking arise as an indirect channel distribution. The introduction of this new channel changes some concepts of the banking marketing, produces changes in customer relationships with financial institutions, creates new opportunities and opens new markets to the banking sector. Because the concentration of the market in five major banks (Banco Itaú, Banco Bradesco, the Banco do Brasil, Banco Santander and Caixa Economica Federal), which account for over 80% of the domestic market, it was decided to carry out a multiple case study, interviewing executives responsible for correspondent banking and observe the banks correspondents by the mysterious client. As a result, you can identify new markets that banks began to meet thanks to bank correspondents, new forms of relationships between clients and banks, a change in the distribution of flow and distribution strategy of the five researched banks.

Este trabalho trata sobre marketing bancário, mais precisamente sobre o processo de distribuição de produtos e serviços bancários. O processo de distribuição dos bancos sempre se caracterizou por uma distribuição direta. Inicialmente, através exclusivamente de uma rede de agências próprias. Posteriormente, ampliando o atendimento para caixas eletrônicos, internet banking, telefone, todas formas de atendimento direto. Recentemente, alguns varejistas passaram a oferecer produtos financeiros diretamente para seus clientes, num processo chamado de desintermediação financeira. O sistema bancário captou esta oportunidade e, ao invés de entrar em competição com os varejistas, adotou a desintermediação financeira como um canal indireto de distribuição, tornando os varejistas correspondentes bancários. O objetivo deste trabalho é compreender a deseintermediação financeira sob a ótica de marketing. No processo de desintermediação financeira analisado, os correspondentes bancários surgem como um canal indireto de distribuição. A introdução deste novo canal altera alguns conceitos do marketing bancário, produz mudanças nos relacionamentos dos clientes com as instituições financeiras, cria novas oportunidades e abre novos mercados ao setor bancário. Dada à concentração do mercado em cinco grandes bancos (Banco Itaú, Banco Bradesco, Banco do Brasil, Banco Santander e Caixa Econômica Federal), responsáveis por mais de 80% do mercado nacional, optou-se pela realização de um estudo de caso múltiplo, entrevistando executivos responsáveis pelos correspondentes bancários, fazendo observação no correspondente por meio do cliente misterioso e por meio de dados secundários. Como resultado, é possível identificar novos mercados que os bancos passaram a atender graças aos correspondentes bancários desses bancos, novas formas de relacionamento entre clientes e bancos, uma alteração no fluxo de distribuição e na estratégia de distribuição dos cinco bancos pesquisados. / This work deals with bank marketing, specifically on the process of distribution of banking products and services. The banks\' distribution process has always been characterized by a direct distribution. Initially, it was done exclusively through a network of own agencies. Later, the banks expanded the service to ATMs, internet banking, telephone, all forms of direct care. Recently, some retailers began to offer financial products directly to their customers, in a process called financial disintermediation. The banking system has captured this opportunity and instead of entering into competition with retailers, adopted the financial disintermediation as an indirect channel distribution, turning retailers in correspondent banking. The objective of this study is to understand the financial disintermediation from the perspective of marketing. In the process of financial disintermediation analyzed, correspondent banking arise as an indirect channel distribution. The introduction of this new channel changes some concepts of the banking marketing, produces changes in customer relationships with financial institutions, creates new opportunities and opens new markets to the banking sector. Because the concentration of the market in five major banks (Banco Itaú, Banco Bradesco, the Banco do Brasil, Banco Santander and Caixa Economica Federal), which account for over 80% of the domestic market, it was decided to carry out a multiple case study, interviewing executives responsible for correspondent banking and observe the banks correspondents by the mysterious client. As a result, you can identify new markets that banks began to meet thanks to bank correspondents, new forms of relationships between clients and banks, a change in the distribution of flow and distribution strategy of the five researched banks.

Thesis (MDF (Development Finance))--University of Stellenbosch, 2009. / ENGLISH ABSTRACT: This research is influenced by and starts from the work carried out by the IMF in Swaziland, wherein they comment about the significant growth in the use of savings and credit co-operatives compared with that of commercial banks. They also report the lack of growth of the financial sector resulting in sluggish economic growth. This report sets out to establish through a survey, the attitude of the Swazi public towards commercial banks, and to establish if indeed there is a deliberate move away from commercial banks to non-bank financial institutions in general. In the process the reasons for migrating from commercial banks are established. In addition, the ultimate use of funds borrowed in general, is also investigated. Specifically for those people who use non-bank financial institutions (NBFIs), the research further probes the uses of such funds, and whether or not such funds are likely to affect economic growth. The survey is augmented by results from questionnaires responded to by selected microfinance institutions (MFIs) as a means of cross-checking and validating results obtained from the public survey. Findings are that in Swaziland, while the growth of savings and credit co-operatives (SACCOs) is acknowledged, there does appear to be a tendency to still use commercial banks by the economically active population. Borrowing tends to be for school fees, followed by the purchase of building materials for constructing rural homes on ancestral land, as well as for personal use and business activities. It also appears that the majority of users of financial intermediaries are civil servants, which comes as no surprise as government is the largest employer. The conclusion is that Swaziland’s problems with sluggish economic growth appear to be from more than a shallow financial sector, but a myriad of other reasons that have not been explored in this study. / AFRIKAANSE OPSOMMING: Die navorsing is gebaseer op die uitkoms van die werk uitgevoer deur die Internasionale Monetêre Fonds (IMF) as vertrekpunt, waarin hulle meer beduidende groei in die gebruik van spaar en krediet-kooperatiewe gevind het in vergelyking met die trae groei in die gebruik van kommersiële banke. In dieselfde verslag haal hulle ook aan dat die gebrek aan voldoende groei in die finansiële sektor onderliggend is aan die stadige ekonomiese groei. Hierdie verslag bepaal deur middel van ‘n opname, die gesindheid van die Swazi-publiek teenoor kommersiële banke om vas te stel of daar ‘n opsetlike voorkeur vir nie-finansiële instellings is, bo kommersiële banke. Die studie ondersoek ook die spesifieke gebruik en toepassing van fondse verkry vanaf nie-finansiële kooperatiewe en of die gebruik daarvan ‘n negatiewe impak op ekonomiese groei het. Die uitkoms van hierdie ondersoek word bevestig deur die bevindinge van vraelyste wat deur geselekteerde mikro-finansiële instellings voltooi is, te vergelyk met die bevindinge van publieke opnames. Die bevindinge vir Swaziland is dat alhoewel daar groei is in die spaar-en krediet-kooperatiewe, daar steeds ‘n tendens onder die ekonomies aktiewe populasie is om gebruik te maak van kommersiële banke. Lenings word hoofsaaklik gebruik vir die befondsing van skoolgelde, daarnaas vir die aankoop van boumateriaal vir die konstruksie van landelike huise in voorvaderlike gebiede wat deur stamleiers toegeken word, sowel as vir persoonlike gebruik en besigheidsfinansiering. Dit wil ook voorkom asof die meerderheid van die leners staatsamptenare is. Dit is te verwagte, aangesien die regering die grootste werkgewer is. Die gevolgtrekking van die ondersoek is dat Swaziland se trae ekonomiese groei meer onderliggende beperkende oorsake het as bloot net die oppervlakkige uitwerking van die (kommersiële) finansiële sektor. Hierdie onderliggende redes word nie verder ondersoek as deel van hierdie studie nie.

Il processo di digitalizzazione sta influenzando il modo in cui l'arte viene veicolata, rendendone la sua fruizione più interattiva e dinamica e portando le istituzioni artistiche e culturali a riconoscere un’enorme importanza alle leve strategiche del mondo del marketing. In particolare, il primo paper mira a comprendere, attraverso il caso studio ‘Artvisor’ come le organizzazioni artistiche e culturali abbiano avviato un processo di disintermediazione attraverso dispositivi digitali riconoscendo un ruolo centrale alle nuove tecnologie nell’ambito della gestione artistica. L'obiettivo del secondo lavoro è esaminare le dimensioni di brand trustworthiness, perceived quality e visitor satisfaction considerate componenti chiave nella prospettiva dello studio del comportamento del visitatore in una logica esperienziale della visita museale. Con il terzo paper viene analizzato nello specifico il ruolo delle nuove tecnologie in relazione alla dimensione dell’engagement nell'era dei selfie, dei social media, dei dispositivi digitali e dei social network. / The digitalization process now occurring in many sectors has influenced the way that art is consumed and has contributed to making arts consumption more interactive and dynamic recognizing a huge importance to the role of marketing. The general purpose of the proposed research is to develop an understanding of how people engage with arts in the digital era through digital devices and social networks and how important it is to recognize a role to proper marketing strategies. In particular, the first paper aims to understand how arts organizations are starting to decouple their structures and to initiate a disintermediation processes through digital devices: the example of ‘Artvisor’ allows the author to examine how a gallery might face the digitalization process with the goal to identify sensitive areas within the online arts experience which arts administrators need to be conscious of as we enter a more dynamic era of art consumption. The object of the second paper is to examine the role of brand trustworthiness, perceived quality and visitor satisfaction as antecedents of consumer behavioural intentions in a museum context and developed a research framework to investigate the relationships among all the construct taken into consideration. The object of the third paper is to deal with the role of the new technologies in the arts management context to understand how people engage with art and culture in the era of selfies, social media, digital devices and social networks.

Purpose: The aim of this thesis is to explore the impact that increased availability of digital distribution has on physical distribution. The focus is on the effects that digital distribution has on the value creating processes of game developers with regard to distribution alternatives, strategic networks and consumer interaction. Additionally we examine if there is a future for physical distribution of games in an increasingly digital market. Background: It is estimated that only the online gaming market alone will turn over more than $13 billion in 2013. In terms of market potential this means that video gaming has already surpassed the movie industry and is closing in on the music industry (Jöckel, Will & Schwarzer, 2008). Digital distribution is gaining ground in the game industry (Cook, 2012), and access to high-speed internet connectivity is also increasing at a rapid pace. This creates a choice for game developers to adapt their strategies to the new ways of distribution. The previous view of the market was a linear value chain where developers must use intermediaries to reach an end consumer (Williams, 2002). The network dynamics appear to have changed, consumers have an impact on development and there are more complex interactions between the actors in order to generate better value. Method: The thesis uses an exploratory qualitative research method by conducting semi-structured interviews with developers on how the distribution channels have changed. Secondary data concerning the value chain, networks, and value constellations and was gathered to support the empirical background of the market. Conclusion: The value chain has been reconfigured from the classical value chain to a value constellation as increased online availability has changed the distribution possibilities allowing reciprocal relationships and user co-production as well as disintermedation of middle-hands. Value is created for the game developers through three different paths in our own value constellation: portals, direct sales homepage, and through publisher. In all three paths consumers play an important role through user participation in the value creation through user created content and user feedback through community and fan-base activities.. Our conclusion is that the future of physical distribution in the current format is threatened by digital alternatives, and will likely be discontinued in the long run and/or radically changed to include more physical value adding content.

企業如何於競爭劇烈且快速變動之產業環境下，發展出相對應之策略及差異化活動，是建構長期穩定獲利模式之關鍵；而動態能力(dynamic capability)的觀點便是強調企業為了獲取持續性的競爭優勢，必須不斷地偵察產業環境的變化，調整組織內外部的資源結構，藉以因應環境的各種異動。為深入了解動態能力的演化過程，本研究即以成功跨足貿易以及零售產業的特力集團為個案公司，探討在變化萬千的產業環境下，其如何於不同成長階段中轉變其策略定位，輔以動態能力的演化，以及在上述變化下，組織結構運作的調整過程，最後終於成為引領產業的全方位服務提供者。 / The key for a business enterprise to establish a steady long term profit model is the ability to develop responsive strategies and diversity activities in this highly competitive and fast moving industrial environment. According to the theory of dynamic capability, in order for an enterprise to have a continual competitive advantage it should both constantly observe changes in the industrial environment and adjust the structure of the internal and external resources accordingly. This will then allow an enterprise to better respond to these changes. In order to comprehensively understand the development of the theory of dynamic capability, this study will analyze the Test Rite Group as the main subject of the case due to their success in the trade and retail industries. As part of the analysis, the study investigates how the Test Rite Group manages to adapt their strategies and structure of their organization in an ever changing industrial environment which ultimately resulted in leading the industry as an omni-directional service provider.

Background: In light of the multitude of different channel options consumers have at hand and the rapidly advancing vertical integration of established brand manufacturers across industries, the question arises as to the basis on which consumers make their channel decision for a manufacturers direct-to-consumer (D2C) sales channel. Scholars have found that channel attributes and product-related factors generally play a pivotal role in consumer channel choice and have shown the influence they have on offline versus online channel choice. However, research in the context of established brand manufacturers offering D2C sales channels is so far underrepresented in the consumer channel choice literature despite its high current relevance. Purpose: This study investigates which channel attributes and product-related factors influence a consumer’s decision to fulfill a purchase through a manufacturer’s online D2C channel and how they do so, in order to gain insights into this so far insufficiently studied research context. Method: The data of this qualitative, explorative study was generated through semi-structured interviews with 16 purposefully selected samples. The sample was segmented demographically into four groups ranging from Baby Boomers to Generation Z, in which men and women are equally represented to create a heterogenous sample set. The data analysis followed an inductive approach using thematic analysis. Conclusion: This study found that 12 channel attributes and 8 product-related factors are relevant to consumer channel choice in the context of established manufacturers’ D2C channels.  Furthermore, it was found that channel choice is not exclusively based on the aforementioned, but that the individual factors are also interrelated. Particularly important are also influencing factors, which further affect consumer channel choice. Lastly, all identified factors are evaluated in tandem. A conceptual framework depicting these findings was developed.