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Osakekirjojen sähköistämisen vaikutus pankkikonttorin prosesseihin
(2019)
Tämän opinnäytetyön ensisijaisena tavoitteena on selvittää tulevan huoneistotietojärjestelmän vaikutusta olemassa oleviin prosesseihin Pankki X:n toiminnassa. Tutkimuksen tavoitteena on myös selvittää ASREK-hankkeen toteutustapa ja käytännön...
The primary objective of this thesis project is to investigate the possible impact of the future electronic register of housing company shares impacts on the current processes of a Bank X. In addition, the aim of the study was also to clarify out how the ASREK project is implemented and how it works in practice. The structure of the report consists of the theoretical framework, methodology and data collection, the results and analysis. The theoretical section will examines the current home sale process from the share certificate perspective as well as digitalization in banks. The research was carried out as a qualitative research and the data was collected through interviews and observation. The research approach is inductive to the point where there is no new information appearing considering the scarcity of the topic. The target group chosen for the interviews consisted of property/house managers, the national Land Survey of Finland and Bank X, as all three parties play a key role in creating the electronic register of housing company shares. The study showed that the electronic register of housing company shares is to be created by the NLSOF with the housing company register that is obtained from the property managers. Only after the housing cooperative has digitalized its administration is it possible for individual shareholders to transform their share certificate into an electronic format. The internal communication between banks and NLSOF is being transmitted by integrators. The banks practical execution for this process will be guided by what kind of data the integrator produces and how it can be utilized. Currently banks do not have a uniform approach for using the electronic register of housing company shares. From the results of the study, it can be stated that the compilation of the electronic register of housing company shares requires co-operation between several parties. Bringing together an extensive entity is laborious and time consuming and therefore it is a project that is expected to take several years. The biggest change in bureaus will be the continuous change that they will encounter. The transition to an electronic register of housing company shares will be a long-term project accompanied with continuous change over the processes in bank bureaus. There are several ways of proceeding with the project, depending on the stage at which the limited company is adopting the use of digitalized formats as well as the stage at which the systems can be fully implemented. The research for this thesis has been commissioned by Bank X. The key role of players involved in digitalizing share certificates is established, but cooperation between them has not yet reached the operational level and it has not been possible to obtain information as desired....
The primary objective of this thesis project is to investigate the possible impact of the future electronic register of housing company shares impacts on the current processes of a Bank X. In addition, the aim of the study was also to clarify out how the ASREK project is implemented and how it works in practice. The structure of the report consists of the theoretical framework, methodology and data collection, the results and analysis. The theoretical section will examines the current home sale process from the share certificate perspective as well as digitalization in banks. The research was carried out as a qualitative research and the data was collected through interviews and observation. The research approach is inductive to the point where there is no new information appearing considering the scarcity of the topic. The target group chosen for the interviews consisted of property/house managers, the national Land Survey of Finland and Bank X, as all three parties play a key role in creating the electronic register of housing company shares. The study showed that the electronic register of housing company shares is to be created by the NLSOF with the housing company register that is obtained from the property managers. Only after the housing cooperative has digitalized its administration is it possible for individual shareholders to transform their share certificate into an electronic format. The internal communication between banks and NLSOF is being transmitted by integrators. The banks practical execution for this process will be guided by what kind of data the integrator produces and how it can be utilized. Currently banks do not have a uniform approach for using the electronic register of housing company shares. From the results of the study, it can be stated that the compilation of the electronic register of housing company shares requires co-operation between several parties. Bringing together an extensive entity is laborious and time consuming and therefore it is a project that is expected to take several years. The biggest change in bureaus will be the continuous change that they will encounter. The transition to an electronic register of housing company shares will be a long-term project accompanied with continuous change over the processes in bank bureaus. There are several ways of proceeding with the project, depending on the stage at which the limited company is adopting the use of digitalized formats as well as the stage at which the systems can be fully implemented. The research for this thesis has been commissioned by Bank X. The key role of players involved in digitalizing share certificates is established, but cooperation between them has not yet reached the operational level and it has not been possible to obtain information as desired....
