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Digiworld Economic Journal

Call for Papers

Dossier to be published in No. 103 – 3rd Q. 2016

Digital Innovation & Finance Transformation

Eds: Marianne VERDIER (Univ. Paris 2)
Jooyong JUN (Bank of Korea)
& Yves GASSOT (IDATE, Montpellier, France)

Banking has long represented a big market for IT and digital technologies. It is probably one of the sectors that have invested most heavily in information technologies over time, for retail banking activities, and more recently for risk control systems to ensure compliance with banking and finance regulations. In market activities, emphasis is occasionally placed on the consequences of technical investments such as high frequency trading.

But more recently, digital innovation in this sector has been particularly illustrated by the explosion of FinTech. Hundreds of startups have demonstrated the potential to innovate and transform the way of banking and finance as we have known.

In light of recent events, several areas of innovation have emerged from the development of FinTech in competition or partnership with traditional players in the banking industry.
The first one is innovations in retail payments, which began many years ago but was more marked by the entry of Apple in 2014 and Samsung in 2015, which adapted the retail payment service to their huge base of smartphone users.

There have also emerged multiple other technical options for the consumer to pay the retailer, exchange money, and dispose of all the banking services without visiting a branch. The range of initiatives and the wide variety of players highlight the diversity of value chain entry points, the size of the stakes but also the fragility of many of these projects that will likely have to give way one day to a limited number of systems.

The year 2015 was also the year of broad media exposure of the multiple variations of financing platforms including crowdfunding/crowdlending, which compete with banks.

Also much discussed in recent quarters is the sustainability and volatility of crypto-currencies like Bitcoin, but even more so, the blockchain concept that underlies them. Initially regarded as a threat, the blockchain has aroused interest and given rise to the first projects undertaken by large banks, despite their inability so far to discern the real potential of this concept to drive down the unit cost of intermediation, limit turnaround of payments and strengthen security.

Other sources of possible transformation are the usages of “robo-advisors” or the growing applications of "big data". The first one could allow transformation of consumer relations and represents opportunities for new entrants to compete with traditional banks and asset management services. This second one could, for example, transform the perception of risk in lending activities. But the most often cited impact applies to the insurance sector. If the various technical devices provide a better assessment of individually insured risks, they could ultimately challenge the very principle of pooling them, which is the cornerstone of the profession. The development of analytics tools also raises the issue of trust in managing the personal data of customers in banking and insurance as in many other sectors.

In this context, the DigiWorld Economic Journal special issue aims to gather articles that show the link between the technological innovations or business models that have emerged in FinTech and the transformation of finance.

The following topics are targeted in particular:
• International benchmarks or regional analyses;
• Analyse the first lessons to be drawn from advanced experience vis-à-vis the incumbent players but also vis-à-vis consumers;
• The place of large Internet platforms in the transformation of the banking business; more generally the advantages of the different value chain players (device providers, telcos, eCommerce leaders, etc.) when it comes to imposing their solutions;
• The regulation of Fintech players and their present and future relationships with existing banking and insurance companies; scenarios 2025 for the banking and insurance industries.

As with the other review dossiers, the selected articles will be supplemented by interviews with personalities from industry and finance and with experts.

Please send submissions (in the form of full papers)
by 6th June 2016 to:



Dossier to be published in No. 102 – 2nd Q. 2016

Innovation systems in the mobile industry

Eds: Anders HENTEN (Aalborg University, Denmark),
Denis LESCOP (Virginia Tech, USA)
& Frédéric PUJOL (IDATE, Montpellier, France)

While Europe was clearly leading the international trail in the second generation of mobile communications based on the joint European commitment to the GSM standard, Europe has since then fallen behind – first with Japan in the lead with the i-mode system and the development of 3G and later to the US with the iPhone and Android. Lately, 5G is under development, and China is forging ahead, first and foremost with Huawei in a leading position.

This call for papers is looking for analytical contributions from academia as well as industry, focusing on innovation system and other holistically oriented approaches, analyzing the development of mobile systems internationally, including ecosystem approaches. The emphasis is clearly on the supply side, while demand side aspects can be important in relation to developments of national and regional innovation systems.

During the past decade, the importance of the convergence of the telecoms area, IT and the media has become increasingly visible. While mobile communications formerly was the purview of the telecoms industry, companies and technologies coming out of the IT area have become more and more central to mobile communications. The entry of Apple with its iPhone, iOS and App Store and of Google and the Android operating system has dramatically changed the mode of functioning of the mobile area in terms of business models and ecosystems. The so-called app economy has grown tremendously and has contributed to creating a high number of new jobs and companies.

The telecom companies are increasingly realizing that they have to develop their business models in order to maintain a central position in the industry and to prevent their mobile revenues from continuously decreasing. Over The Top players deliver and are developing services that substitute for services traditionally offered by telecom operators. Furthermore, new service areas, for instance related to smart homes and cities and new business applications, will constitute new possibilities for mobile operators as well as other players from the various parts if the ICT industry.

The specific focus of papers can be on the app economy and the importance of the IT area and internet for the development of mobile communications. It can also be on the transition from one generation of mobile communications to the next, seen from an innovation system point of view. The development of 5G is a case in point and papers on the different aspects of 5G developments including the role of standardization and the geo-industrial aspects are welcome. The role of Intellectual Property Rights holds a central position in this context. Spectrum management also plays an important role for the development of mobile communications as do policies and regulations concerning mobile communications in general.

Analytical papers with overviews of developments as well as papers focusing on more specific aspects of developments within the mobile area are welcome.

Questions touched upon by the special edition include:
• Are profitable 5G business models likely to emerge for vertical sectors?
• Which new players could emerge in the coming years? What could be the role of IT players?
• Which evolutions of the mobile value chain from 1G to 5G?
• Essential IPRs: who will win?
• Could 3GPP's dominance be challenged by IEEE for 5G standardisation?.

Please send submissions (in the form of full papers)
by 25th April 2016 to:


Submission of papers

All papers submitted for publication will be reviewed by at least two referees/experts using the "double blind" system.
Proposals must be submitted in Word format (.doc) and should not exceed 6,500 words – including the abstract and references.
As far as possible, the publisher recommends that you insert some illustrations (tables, diagrams) in the paper, in order to facilitate the general comprehension.
Please ensure that they are readable in grey scale, and that they are of high-definition, in order to guarantee the printing quality.
Bibliographical references should be included at the end of the article. Should these references appear in the text, please indicate the author's name and the year of publication in brackets.

Extra papers

Our DigiWorld Economic Journal also welcomes submissions for extra papers - off dossier - that typically cover innovative issues in the sector of the telecoms, internet and new media. If your paper is selected by the Editiorial committee, it will be submitted to the double-blind review process.
On the other hand, should you wish to propose a short paper (1500 to 3000 words maximum) for the "Features" rubric, offering factual analyses of recent developments in the fields of regulation and competition, firms and markets, technical innovations, public policies and use logics, please contact Alexandre JOLIN.
Book reviews are also very welcome should they are in connection with our usual thematics.



Alexandre JOLIN
DigiWorld Economic Journal
P: +33 (0)467 144 429
F: +33 (0)467 144 400
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