CAS DE PERTE

R O U N D 2
Background
FinPay is a leading digital payments and financial services company in India. Since its
establishment in 2014, the business has expanded quickly to establish itself as one of the most
recognisable names in India's digital payments sector. Users can pay for a variety of services via
the FinPay platform, including mobile recharges, utility bill payments, cinema tickets, and travel
reservations. The business now provides services like insurance, loans, and wealth management
in the area of financial services.

Despite its early success, FinPay has been incurring losses in recent years due to intense
competition and changing consumer preferences. FinPay has had to battle with the advent of
global players like ZPay and GlobalPay into the Indian market in addition to competition from
other digital payments businesses in India. It is challenging for FinPay to maintain its
competitiveness because these businesses have substantial financial resources and are able to
invest extensively in marketing and technology.

In addition to competition, FinPay has also faced challenges related to changing consumer
preferences and trends. As consumers have become more sophisticated and demanding, FinPay
has had to adapt its platform and services to meet these changing needs. The company has also
had to contend with regulatory challenges and compliance requirements, which have increased
costs and created uncertainty for the business.
To address these challenges, FinPay has embarked on a number of initiatives aimed at
improving its competitiveness and financial performance. These include investing in research
and development to enhance its platform and services, improving its marketing and branding
efforts to attract new users, and expanding into new markets and product categories. Despite
these efforts, FinPay continues to face significant challenges and uncertainty in the highly
competitive and rapidly evolving digital payments and financial services industry in India.

Others
6.5% FinPay
14.2%

GlobalPay ZPay
46.9% 32.3%

Market Share by volume of transactions

Problem Statement:

How has FinPay’s revenue and profitability been affected by competition in the
digital payments space in India, and what steps can the company take to stay
competitive?

How has FinPay’s business model evolved over the years, and how can the
company adjust its business model to improve its financial performance?

What are the biggest risks and opportunities facing FinPay in the current
economic and technological environment, and how can the company leverage
its strengths and mitigate its weaknesses to succeed in this environment?
Guidelines:
The total slide limit is 5-6 slides (excluding the intro and appendix).

Kindly submit your solution deck in ppt format.

Any kind of Plagiarism won’t be accepted and using ChatGPT, or any chatbot for solving the case is
prohibited.

Submission format: TeamName_CasDePerte_CaseStudySolution.

Kindly mention the name of your team, team members and their email-ids in the introductory
slide.

State all the assumptions taken in your solution.

Your solution will be judged on the basis of creativity, originality, viability, feasibility and scalability.

Deadline for submitting the case is 11:59 PM IST on April 3, 2023.

Final decision of the judges will be binding.

For queries, contact: Punya: +91 85954 87513, Liza: +91 89501 44871