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CredEx Fintech: Business Model Transformation During the Digital Era
Founded in 2010, CredEx has been a fast and constant innovator in the microfinance industry in China. Tang Xia, CEO and co-founder of CredEx, has led the company through a number of profound business model innovations in response to external environment changes, which transformed the company from an offline, operation heavy micro lending company to an online, data driven FinTech company. This case describes CredEx's business model transformation process since its founding and explores the drivers and challenges in different stages of business model innovation and transformation. Ultimately, the case highlights the key capabilities needed to digitize a traditional finance business as well as the organizational changes needed to enable the digitization.