How is digitalisation changing the business model of FinTech companies? The case study of an Italian non-bank financial institution
by Chiara Torriero; Raffaella Montera; Nicola Cucari
International Journal of Quality and Innovation (IJQI), Vol. 6, No. 1, 2022

Abstract: Although digital transformation in the financial industry is gaining momentum in recent years, the literature exploring FinTech business models is still scant. We fill this gap by analysing, through a case study, the business model of a big bang disruptor. Specifically, we select the case of Alpha that is considered one of the most important players in the provision of digital lending services in Europe. We use a business model canvas, deemed as the most suitable analytical framework to this end. We find that, in the FinTech industry, the business model of a big bang disruptor is customer-oriented and its services are provided through a digital platform, in order to ensure a better user experience. Additionally, a big bang disruptor leverages partnerships with different actors to co-create value. Finally, we claim that the business model of a big bang disruptor is characterised by agility, flexibility and adaptability. We contend that these features are crucial to remain competitive in an ever-changing environment.

Online publication date: Tue, 30-Nov-2021

The full text of this article is only available to individual subscribers or to users at subscribing institutions.

 
Existing subscribers:
Go to Inderscience Online Journals to access the Full Text of this article.

Pay per view:
If you are not a subscriber and you just want to read the full contents of this article, buy online access here.

Complimentary Subscribers, Editors or Members of the Editorial Board of the International Journal of Quality and Innovation (IJQI):
Login with your Inderscience username and password:

Username:        Password:          Forgotten your password?

Want to subscribe?
A subscription gives you complete access to all articles in the current issue, as well as to all articles in the previous three years (where applicable). See our Orders page to subscribe.

If you still need assistance, please email subs@inderscience.com