Professional Documents
Culture Documents
MFS Internal Evaluation (Project)
MFS Internal Evaluation (Project)
MFS Internal Evaluation (Project)
Group I
Group IV
CASE STUDY 2 – RAZORPAY: PROVIDING PAYMENT CONVENIENCE TO
DISRUPTORS
Questions
1. Why have digital payments not been widely accepted in India? Identify multiple factors
that an increase the adoption of digital payments.
2. Why would banks and NBFCs want to partner with Razorpay Capital?
3. What are the different ways Razorpay uses post-purchase support to differentiate it from
its competitors?
4. Do you agree with Razorpay’s decision to stay away from the B2C segment?
5. Put yourself in shoes of Razorpay founders and taking into consideration the momentum
that digital payment industry has faced in last few years and especially during pandemic,
should Razorpay continue with its exiting market strategy or explore/diversify/expand to
ensure that it continues to grow and sustain its market position?
Group V
CASE STUDY 3 - SHRIRAM TRANSPORT FINANCE COMPANY LTD: ADOPTION
OF FINTECH
Questions
1. State few relevant technologies that can be adopted by Shriram Transport Finance
Company Ltd. (STFCL) across the value chain i.e. customer on-boarding, loan
origination, credit underwriting, loan disbursement etc. to make the processes more
efficient and swift.
2. STFCL follows a relationship-based model for new client acquisition and automating the
entire process might negatively affect the company because the carefully cultivated
relationships could fall apart and consequently the loan origination process might also
become less robust. Do you agree that in given circumstances (as mentioned in the case)
the decision to transit towards fintech will not be in favor of STFCL?
3. What possible risk and challenges that STFCL might face while making the transition
from traditional mode to Fintech?
4. What are the challenges in getting the customers and the field sales officers to adopt
Fintech?
5. Discuss the probable impact of COVID-19 on STFCL business model and its decision to
shift to fintech model.
Group VI
CASE STUDY 4 – Growing Financial services in India: Aditya Birla Group
Present the entire case through power-point.... showcasing and explaining graphs that are
part of the case
Group VII
“When American author Norman Vincent Peale said, "every problem has in it the seeds of its
own solution", he possibly had not thought of credit rating agencies and their role, sometimes, in
financial upheaval. Be it the Asian financial crisis of 1997-98 or the subprime mortgage crisis of
2008, these agencies have been at the centre of controversies for giving highest rating to debt
instruments by issuers, some of whom could not repay debt. Closer home, rating agencies Fitch
Ratings, ICRA, CARE and Brickwork Ratings have been named in a forensic audit by Grant
Thornton that points to alleged collusion between officials of these agencies and those of IL&FS,
which was taken to NCLT after having failed to repay debt obligations beginning September
2018. The crisis has jolted the Indian non-banking finance sector, hurting many companies in its
wake.” (Source: Business Today, August 06, 2019). Taking cue from the above comment, you
are required to answer the following questions:
i. What punitive measures were taken by Sebi against the credit rating agencies involved in the
crisis?
ii. Since the Amtek Auto crisis in 2015 has hit the financial system, Sebi has initiated series of
reforms to ensure greater transparency, but still the rating agencies have failed in timely
detecting discrepancies in IL&FS, Zee, DHFL (discuss each of these failures). In your opinion,
why regulations are not working in credit rating industry?
iii. Briefly discuss the guidelines for enhanced disclosures by credit rating agencies issued by
Sebi in 2019 in response to the IL&FS crisis
iv. Discuss the role of credit rating agencies in the 2008 global crisis.
Group VIII