Web 2.0 tools offer recognisable advantages over Web 1.0 communication and traditional knowledge management. The growing popularity of social media, and the fact that the young generation is making a habit of Web 2.0, confront companies with the question of whether they want to actively deploy Web 2.0 tools. Companies often start to experiment in-house with Web 2.0 tools before they actively involve their customers or suppliers. Communication and marketing are still the primary objectives linked with Web 2.0 today – but there is also potential to be tapped in the areas of innovation and collaboration. A key factor for the success of Web 2.0 tools in companies is a management that is supportive of a corporate culture big on openness and transparency.
From submitting tax returns online right through to buying groceries on the internet, a myriad of possibilities already exist. Between 2005 and 2009 the use of e-government by individuals in the EU-27 climbed from 23% to 30% on average; the share of individuals shopping online rose from 24% to 37%. Cross-border purchases rose from 26% to 29% between 2006 and 2009 and the EU-27 average for those using online banking climbed from 19% in 2005 to 32% in 2009.
The German export momentum is currently benefiting from extremely dynamic world trade. However, it is likely to ease significantly in H2 2010 and above all in 2011. In addition to the impact of this cyclical development the highly export-dependent German economy is also being hit by the adjustments in Europe’s crisis-ridden countries, even though the strain on the German current account is likely to remain within bounds. Nevertheless, in the medium term Germany’s large current account surplus needs to be reduced, as the origins of the crisis lay in undesirable structural developments on both sides, that is not only in current account deficits, but also in the reciprocal surpluses. All in all, we expect that the German current account surplus will first widen from 5.0% to 5 ½% of GDP this year, before narrowing slowly, however. In 2012 it could then stand at 4 ½%.
Die deutsche Exportdynamik profitiert derzeit vom äußerst dynamischen Welthandel, dürfte sich jedoch in H2 2010 und vor allem in 2011 spürbar abschwächen. Neben dieser zyklischen Entwicklung wird die stark exportabhängige deutsche Wirtschaft auch von den Anpassungen in den europäischen Krisenländern getroffen. Der Druck auf die deutsche Leistungsbilanz dürfte sich zwar in Grenzen halten, dennoch ist mittelfristig ein Abbau des hohen deutschen Leistungsbilanzüberschusses notwendig, denn die jüngste Krise hat gezeigt, dass vor allem strukturelle Fehlentwicklungen auf beiden Seiten die Ursache waren, d.h. nicht nur die Leistungsbilanzdefizite, sondern auch die entsprechenden Überschüsse. Alles in allem erwarten wir, dass der deutsche Leistungsbilanzüberschuss im laufenden Jahr zunächst noch von 5,0% auf knapp 5 ½% des BIP steigt, danach jedoch langsam abschmilzt. 2012 könnte er dann bei 4 ½% liegen.
The goal of this study is to shed light on Chinese consumers’ evolution and behaviour as well as on the composition of this heterogeneous group. China’s urban consumers are growing in number and in spending power, and their outlook is promising. On the other hand, the potential of rural consumers must still be developed, and their income gap with the urban counterparts narrowed. Policies to support income growth, increase disposable income, and help households grow their wealth are starting to be implemented. These policies, coupled with China’s attractive long-term growth prospects, bode well for China’s consumers, who in a few decades could turn out to be the world economy’s key growth driver.
Das Internet hat als Informationsmedium in den letzten Jahren elementare Bedeutung erlangt – dies gilt auch für die Recherche nach Finanzthemen. Fast 60% aller neu abgeschlossenen Finanzverträge geht eine Online-Recherche voraus. Das ist ein Ergebnis einer innovativen, empirischen Studie, in der Deutsche Bank Research gemeinsam mit Google und der GfK den tatsächlichen finanzrelevanten Internetverkehr analysiert: In welcher Form nutzen Bankkunden das Internet zur Informationsbeschaffung und zur Kaufanbahnung? Welches sind die bevorzugten Finanzthemen im Internet? Wie viel Zeit verbringen die Kunden mit der Recherche? Und wie viele Kunden nutzen dann doch die Filiale zum Vertragsabschluss?
Germany is one of the most knowledge-intensive and innovative countries on Earth. In this study we focus on the innovative performance of its sixteen federal states with reference to eight indicators. The most innovative states lie in the south, while the east trails in terms of absolute levels. However, interdisciplinarity and regional industrial diversity cushion negative effects of structural change on the regions and offer alternative sources of sustained economic growth. Looking at the dynamic of innovation it is apparent that the states in the east of Germany – spearheaded by Saxony – are on the right course.
The rising tide of information available on the internet is altering our requirements and our consumption habits. This is impacting the music and film industries, as well as the computer games and digital book markets. After all, many consumers simply download digital content onto their computers. The majority of files downloaded from the internet are pirated copies since they infringe copyright. Do traditional intellectual property rights hinder or help creative minds and thus innovation online? Can free licensing models be an alternative to traditional copyright and help to broaden the knowledge commons with greater creative freedom?
M-Payments wecken große Erwartungen aber zeigen bislang wenig Markterfolg. Nur sehr wenige europäische oder nordamerikanische Kunden nutzen ihr Mobiltelefon auch zum Bezahlen. Dennoch sollten neue Versuche, M-Payments zu etablieren, nicht automatisch abgeschrieben werden. Es sind vielleicht nicht die großen M-Payment-Modelle, die sich durchsetzen werden, sondern eine Vielzahl kleinerer, vielfältiger und intuitiv nützlicher Anwendungen.
The financial crisis and its regulatory consequences are set to change the landscape of financial centres worldwide. We have identified four drivers of financial centre competitiveness after the crisis: (1) The big-4 financial centres will remain strongholds of global finance. (2) The crisis accelerates the trend towards a multi-polar financial industry, with emerging financial centres gaining in size and competitiveness. (3) National financial market may benefit from domestically-oriented policies in the short run, but will find it harder to compete in the long run. (4) Providing a good regulatory framework will be a key determinant of competitiveness going forward.
575k
