金融Kaart:印度“无形信贷”的金融科技

Q2 Social Sciences

Journal of Information Technology Teaching Cases Pub Date : 2023-04-07 DOI:10.1177/20438869231164429

Priyatam Anurag

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引用次数: 0

摘要

在这种情况下，我们描述了Finance Kaart的旅程，这是一家金融科技初创公司，其愿景是为印度金融排斥的客户群体提供服务。我们探讨了创业公司可用的战略选择及其创始人开发在线市场商业模式的基本原理，该模式专注于印度小城镇的微型、中小型企业客户。该案例进一步探讨了印度的金融科技生态系统如何通过Finance Kaart等初创企业实现节俭创新。在一个支持性的生态系统中，Finance Kaart遵循合作伙伴驱动的方式，但需要解决投资者对其“过度依赖合作伙伴”的担忧，这可能会限制其盈利潜力。最后，我们将讨论Finance Kaart计划如何通过将其转变为一家新银行来克服其增长战略面临的挑战。

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Finance Kaart: A fintech for the “credit invisibles” in India

In this case, we describe the journey of Finance Kaart, a fintech start-up with a vision to serve India’s financially excluded customer segments. We explore the strategic options available to the start-up and its founder’s rationale for developing an online marketplace business model focused on Micro, Small and Medium Enterprise customers in small towns of India. The case further explores how India’s fintech ecosystem enabled frugal innovation by start-ups such as Finance Kaart. In a supportive ecosystem, Finance Kaart followed a partnership-driven approach but needed to address investor concerns regarding its “over-dependence on the partners” that arguably limited its profit potential. We conclude by discussing how Finance Kaart planned to overcome the challenges to its growth strategy by transforming it into a Neo-bank.

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来源期刊

Journal of Information Technology Teaching Cases Social Sciences-Library and Information Sciences

CiteScore

2.30

自引率

0.00%

发文量

期刊介绍： The Journal of Information Technology Teaching Cases (JITTC) provides contemporary practical case materials for teaching topics in business and government about uses and effectiveness of technology, the organisation and management of information systems and the impacts and consequences of information technology. JITTC is designed to assist academics, scholars, and teachers in universities and other institutions of executive education, as well as instructors of organizational training courses. Case topics include but are not restricted to: alignment with the organization, innovative uses of technology, emerging technologies, the management of IT, including strategy, business models, change, infrastructure, organization, human resources, sourcing, system development and implementation, communications, technology developments, technology impacts and outcomes, technology futures, national policies and standards.