CredEx Fintech: Managing Dual Business Models
(8 pages of text)
Launched in 2010, CredEx Fintech Co. Ltd. (CredEx) operated until 2017 as a mobile credit platform, connecting lenders and borrowers in the Chinese small- and microcredit market. In 2017, the Chinese government introduced a regulation to address misconducts in the credit market. As a result, CredEx needed to transform by utilizing mobile credit technology to enable and support licensed financial institutions to explore mobile credit markets. In 2018, however, this change posed many challenges, such as how to add a new business model that served enterprise consumers as well as how to manage dual business models.
This case is suitable for graduate- and executive-level courses on general management, and strategic management. After working through the case and assignment questions, students should be able to:
- Understand why a business might opt to manage a dual business model.
- Appreciate the relationship between dual business models.
- Analyze the critical capabilities that are useful for managing dual business models.
Finance and Insurance
China, Medium, 2018
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