Dize Dinçkol
Birkbeck Business School
Postdoctoral Research Fellow
Publications
Published research and scholarship
Peer-reviewed research, conference work, doctoral scholarship, practitioner articles.
01
The rise of platforms in regulated industries: Ownership, curation, and the asymmetric strategies of challenger versus incumbent banks
Based on 82 interviews and UK retail banking data, the study compares the platform-building advantages and constraints of challenger and incumbent banks.
02
Regulatory standards and consequences for industry architecture: The case of UK Open Banking
An inductive study of Open Banking shows how implementation roadblocks recalibrate standards and reshape roles, connections, and industry architecture.
03
‘Digital colonization’ of highly regulated industries: An analysis of Big Tech platforms’ entry into health care and education
The article identifies a four-stage path for Big Tech entry: infrastructure provision, data capture, data-driven insight, and new products.
04
AI-driven entrepreneurship in data sensitive markets: A study of UK fintechs
The research asks how AI ventures without initial data access design and evolve business models in regulated, data-sensitive markets.
05
Industry disruption in UK banking: The evolution of regulation, technology adoption and business models
The dissertation connects Open Banking standards with industry disintegration, platform formation, and AI-driven venture business-model evolution.
06
Platforms in highly regulated industries: An analysis of GAFAM entry into healthcare and education
A process study highlighting data access, infrastructure, and analytics as stepping stones into highly regulated markets.
07
‘Platformification’ of banking: Strategy and challenges of challenger versus incumbent banks in the UK
The paper examines contrasting opportunities and constraints as banks move from product-based models toward customer-facing platforms.
Research for policy & practice
01
University-Driven International R&I: Generating Economic Value to the UK
Oxford, UK.Commissioned by the Department for Business, Innovation, Science and Trade (BIST), UK Research and Innovation (UKRI), including Innovate UK.
02
Scaling Mission-Oriented Pilot Projects: Advancing Data-Driven Innovation
Oxford, UK.Commissioned by the Department for Business, Innovation, Science and Trade (BIST), UK Research and Innovation (UKRI), including Innovate UK.
03
Measuring the Reputational Impact of International R&I Investments
Oxford, UK.Commissioned by the Department for Business, Innovation, Science and Trade (BIST), UK Research and Innovation (UKRI), including Innovate UK.
04
The COVID-19 impact on Fintech: Now is the time to boost investment
The article weighs fintech funding vulnerability against the accelerating need for digital financial services and financial wellbeing.
05
The economics and strategy of platforms: Competing in the era of open banking
A strategy-focused introduction to how open APIs, data access, and multi-sided business models alter competition in financial services.