While FinTech is a relatively recent subject in academic literature, it is widely acknowledged as one of the most notable innovations within the financial industry. Despite the growing interest in FinTech, there is currently a lack of comprehensive understanding regarding the exact implications it will have on established financial institutions. The introduction of FinTech solutions has brought about a significant transformation in the banking industry of Finland. Nevertheless, the influence of FinTech adoption on employee’s satisfaction and performance in banks remains uncertain. This has emphasized the need for a deeper understanding of the opportunities and challenges presented by this form of technological innovation across all aspects of the financial industry. The purpose of this research is to bridge the existing gap in literature by examining the relatively unexplored area of how the adoption of FinTech solutions influences job satisfaction and performance among employees in the context of a Finnish bank. Specifically, this research centered on OP Bank, which is recognized as one of the largest banks in Finland. By conducting an in-depth exploration of the experiences of employees at OP Bank, this research will offer valuable insights into how the adoption of FinTech solutions influences employee’s behavior in the Finnish banking industry. To accomplish this, the study utilizes a qualitative exploratory research approach, employing semi-structured interviews as the data collection method, involving 8 middle-level employees from OP Bank. This methodology facilitates a deeper understanding of employees' experiences and perspectives, thereby generating rich and detailed data. The findings of our research reveal several key conclusions regarding the varying ways that the adoption of FinTech solutions influences employee’s job satisfaction and performance. The insights gained highlight the crucial role of FinTech in transforming traditional banking practices, driving innovation, and fostering a positive work environment for employees in the financial industry. Understanding the complexities linked to FinTech adoption is imperative for banks and financial institutions to effectively leverage the complete potential of these technological innovations, thereby steering employee’s satisfaction and performance in the desired direction. Through an in-depth examination of this phenomenon, we have gained a better understanding of the benefits and challenges associated with FinTech adoption, as well as its influence on employee’s job satisfaction and performance. Moreover, this study has provided crucial insights for improving employee’s satisfaction and performance in banks that have embraced FinTech solutions, thereby contributing to a deeper understanding of successful FinTech adoption in the Finnish financial industry. Additionally, this research has contributed to the existing literature on FinTech, management of employee’s satisfaction and performance, employee behavior and technology adoption. These findings have offered practical theoretical, managerial and societal contributions.

Many industries are today facing the possibilities and challenges arising with an increasingly digitalised world. One such is the scantily studied industry of earth-moving contractors that today stands in front of an increasing amount of digital technologies, which may have the possibility to assist firms in their earthwork operations. However, there are indications that many firms tend to experience difficulties to beneficially adopt or see the potential of utilising these digital technologies. Hence, many firms tend to undertake an adoption approach that is associated with high client dependency and a less beneficial unsustainable subordinated position within the industry’s value chain. The purpose of this study has thus been to explore how the technological, organisational and external elements affect earth-moving contractors’ opportunity to adopt and utilise digital technologies in their operations. Moreover, the study has aimed to contribute with the understanding and knowledge of how the adoption of digital technology can be used to strengthen Swedish contractors’ position in the earth-moving industry’s value chain and in the end, aid the country’s sociotechnical development. The findings of the study are based on an explorative multiple case study approach and extensive review of literature. The results suggest that the extent to which adoption and utilisation of digital technologies differs among different earth-moving firms. Three of the five studied companies are considered as digital forerunners which have been able to leverage digital technologies to increase efficiency in their operations. In the case of two of these firms, the adoption of digital technology has enabled them to transform their whole businesses and partake in an increased and more beneficial role within the value chain. Further, the analysis of the findings indicates that the difference in adoption is affected by several factors related to a continuous interaction between (1) the internal aspects of the organisations, (2) the external context of the firms and (3) if the technical features of the digital technologies are perceived as compatible and beneficial for, the current business process and strategy. The thesis contributes to academia with explorative findings within a scarcely studied industry in general and, regarding digital technology adoption in particular. Additionally, the study provides examples of the previously unrecognised industry-dynamic phenomena of value chain integration by earth-moving contractors. These findings could have implications for the whole construction sector in Sweden. Lastly, the study exemplifies opportunities and barriers crucial for the adoption and implementation of digital technologies within smaller project-based organisations. / Många branscher och industrier idag står inför utmaningarna och möjligheterna som uppstår i en allt mer digitaliserad värld. Ett tydligt exempel är maskinentreprenadsbranschen som idag ställs inför valet att införa nya och alltmer avancerade digitala verktyg som har möjlighet att främja deras operativa verksamheter. Dock finns indikationer att många företag har svårigheter att tillämpa och anamma dessa verktyg på ett gynnsamt sätt och är beroende av deras kunders agerande för aktivering av dessa. Studiens syfte har således varit att undersöka hur relationen mellan teknologiska, organisatoriska och externa faktorer påverkar maskinentreprenörernas möjligheter att aktivera och nyttja digitala teknologier i deras operativa verksamheter. Vidare har studien varit ämnad åt att bidra till en ökad förståelse och kunskap för hur digitala teknologier kan användas för att stärka maskinentreprenörernas position i värdekedjan för att slutändan främja Sveriges sociotekniska samhällsutveckling. Rapportens resultat bygger på en explorativ flerfallsstudie samt en gedigen litteratursökning. Resultaten visar på skillnader i hur digitala tekniker har tillämpats och används bland olika maskinentreprenörer. Tre av studiens fem fallföretag är digitalt framstående och har strategiskt tillämpat digital teknik som gett upphov till kraftig effektivitetsökning. Två av dessa företag har dessutom lyckats med en gynnsam ompositionering i värdekedjan som dessa befinner sig i, som ett resultat av anammandet av ny digital teknik. Vidare påvisar studiens analys av resultaten att möjligheten för aktivering av digitala teknologiska innovationer påverkas av ett kontinuerligt förändrande samspel mellan (1) maskinentreprenörernas organisatoriska egenskaper, (2) externa omständigheter samt (3) huruvida den digitala teknologins tekniska attribut uppfattas som kompatibla och fördelaktiga med nuvarande affärsverksamhet och strategi. Rapporten bidrar akademiskt med värdefull och explorativ empiri till en industri med en bristande mängd av forskning generellt, och i synnerhet gällande utnyttjandet samt tillämpandet av nya digitala teknologier. Dessutom bidrar studien med exempel och insikter om ett industridynamiskt fenomen, som tidigare ej uppmärksammats, i form av maskinentreprenörers förmåga att förflytta sig i värdekedjan. Dessa strukturella förändringar kan få konsekvenser för den svenska byggindustrin. Slutligen exemplifierar studien avgörande möjligheter och barriärer för införandet av digitala teknologier i mindre projektbaserade organisationer.