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Minko: Developing a Niche Fintech Lending Business Model
內容大綱
Minko Platforms Pvt. Ltd. (Minko) was a financial technology (fintech) lending startup that specialized in providing supply chain distribution financing to small retailers that sourced inventory from fast-moving consumer goods (FMCG) distributors. The company faced a dilemma in determining how to scale up. Should it continue to focus on distributor-retailer transactions, a market where it had already gained experience and penetration? Or should it target the higher value stockist-distributor transactions further up in the supply chain? The latter would be more remunerative but would also have more potential competition. The company’s situation was further complicated when the Reserve Bank of India (RBI) released new guidelines on digital lending that would significantly impact its operations. As a result, company leaders were also evaluating whether Minko should continue as a fintech company or procure a licence to operate as a non-banking finance company (NBFC).
學習目標
This case is intended for graduate and undergraduate finance courses related to fintech, financial markets and institutions, entrepreneurship, and strategy. This case can be used as a summative case or can be taken up in the module on macroeconomic challenges or lending technology (lendtech). After studying the case and analyzing it, the students will be able to do the following: <ul><li> Analyse and detail the business model of a fintech company.</li><li>Evaluate the macroeconomic challenges faced by fintech businesses, especially in the context of a developing economy.</li><li> Formulate strategies for businesses to overcome regulatory and other environmental challenges and to ensure sustainability. </li></ul>