The primary aim of modelling is the reduction of complexity of
the real world in order to simplify the construction process of information systems (Frank,
1999, p. 605). Mi??i?‡ and Zhao (1999) define reference models as follows:
Arch tecture of an Informat on System for Personal F nanc al Plann ng
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Definition 8: A reference model describes a standard decomposition of a known problem
domain into a collection of interrelated parts, or components, that cooperatively solve the
problem. It also describes the manner in which the components interact in order to provide
the required functions. A reference model is a conceptual framework for describing system
architectures, thus providing a high-level specification for a class of systems. (Mi??i?‡ &
Zhao, 1999)
Reference modelling can be divided into two groups (Fettke & Loos, 2003): Investigation
of methodological aspects (e.g., Lang, Taumann, & Bodendorf, 1996; Marshall, 1999;
Remme, 1997; Sch??tte, 1998), and construction of concrete reference models (e.g., Becker
& Sch??tte, 2004; Fowler, 1997; Hay, 1996; Scheer, 1994).
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