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NorthCentral Bank: Navigating the Challenges of Fintechs, Neobanks, and Cryptocurrencies
內容大綱
Jonathan Gray, the head of Digital Assets at NorthCentral Bank, was tasked with deciding how the bank should approach the growing demand for cryptocurrency (crypto) investment products and services. As the fintech industry continued to grow rapidly and younger digital consumers expressed a desire for crypto-friendly products, the bank had to decide how to proceed. Gray considered three options: maintaining the status quo and not offering crypto products; developing investment-only products and services around digital assets; or becoming a meaningful ecosystem player by offering wallets and enabling users to acquire crypto assets and use them natively on blockchains. Each option had its own benefits and risks, and Gray had to decide which path is best for NorthCentral Bank to remain competitive in the rapidly evolving fintech industry.
學習目標
This case is suitable for strategy, operations management, and finance courses for undergraduate and graduate students (master of business administration and executive master of business administration), especially those focused on financial services and intermediation, innovation, and disruptive technology. After working through the case and assignment questions, students will be able to do the following:<br><br><ul><li>Describe how fintech companies challenge the traditional banking industry.</li><li>Explain the core elements of cryptocurrencies.</li><li>Describe how technology can be implemented to disrupt a traditional industry, and identify the pros and cons of such an implementation.</li></ul>