CREDIT: STRATEGIES & SAAS MODELS
As much as phase one of the disruption of the banking business was payment, phase two is credit. The advanced indicators of this new battle are multiple.
Among them :
1 /
The ongoing shift of neobanks or 'challenger banks', from payment to credit (N26, Revolut, Quonto, Ditto...);
2 /
The rise of credit within bigtech ecosystems, from Amazon to Alibaba and Tencent;
3 /
The emergence of Credit-as-a-Service as a model reinventing both the commoditization and the fluidity of credit;
4/
The fall of barriers to entry, notably in France with open-banking and PSD2, removing the monopoly of customer knowledge from large retail banks;
5 /
Hundreds of startups around the world working to reinvent the customer experience in applying for and obtaining credit (Kabbage, Yelloan, Finfrog, Mansa...)
Mission examples
Development of neobank credit projects for a French bank with an American investor;
Definition of the strategy and launch of the operational implementation of the credit activity of a French neo-bank belonging to an international group.
Development of an investment thesis on the Asian market launch of Europe's leading credit broker
Promotion on new international markets of innovative credit or bank "as-a-service" or "crowdfunding" / peer-to-peer lending solutions.
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