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Lessons from an Incumbent taking over a challenger

Arvind Ashta () and Thomas Courtois

Entreprendre & innover, 2020, vol. n° 46, issue 3, 56-65

Abstract: Neobanks are recent innovations in the financial landscape. They usually offer a limited range of financial products through mobile phones. This interview with the president of Nickel, France?s leading neobank, finds that it relies on a physical distribution network of tobacconists and is aimed at the financially excluded. Low costs and a human touch allow the challenger to squeeze through the incumbent banks and the other fintech challengers. The case study shows that Gandhian innovations are not restricted to developing countries and can emerge in developed countries too.

Date: 2020
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