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DMI Finance: Preserving Its Competitive Edge in Digital Lending
內容大綱
DMI Finance (DMI) was formed and registered as a non-banking financial company in 2008. The enterprise utilized a technology-driven process comprising application programming interface (API); algorithms; and data points captured using Aadhaar, a unique identification assigned to Indian residents, to disburse loans to individuals and firms. As a digital lender, DMI initially operated in personal loans, SME loans, and housing finance. After 2018, it shifted focus to the digital consumer portfolio. Despite growing revenues, in March 2024 DMI was facing challenges from existing and new players, and the co-founder sensed it was time to decide on a strategic change. To better serve its customers, should DMI add a new business model or should it continue with the existing one? How could it maintain its competitive advantage in a fast-changing industry?
學習目標
The case is suitable for graduate and executive-level management programs in strategic management courses to cover topics such as corporate strategy and new-age business models, describe concepts such as growth strategy and technological innovation, and introduce fintech business models. The case illustrates the challenges and successes experienced by a digital lending fintech in the Indian financial services industry looking to sustain its competitive edge and growth in a competitive market, outlining various issues in the digital lending sector. After working through the case and assignment questions, students should be able to do the following: <ul><li>Understand the various business models in the digital lending industry. </li><li>Understand key concepts related to analyzing and designing new business models and apply the models to real-world problems.</li><li>Assess the challenges associated with business model innovation in new-age technology companies.</li></ul>