Case 1 Delivery date: 28th february, 23h55

Q1. Neobanks and payment providers, such as N26 and Revolut, have been growing at an
impressive rate in the last few years
• What are the advantages and disadvantages of B2C payment business models vis a vis a
traditional bank?
• Is this part of the value chain relevant for banks? Why?
• Find a neobank (other than the ones described in class/slides) and analyze its competitive
advantages (vs banks and the ones we mentioned in class) and business sustainability.

Q2. B2B fintechs tend to serve banks

• Why are Artificial Inteligence and Machine Learning widely used by these type of fintechs?
• Building a bank from scratch is easy due to B2B fintech companies, embedded finance is
also quickly growing. Is this good or bad for incumbent banks? Is this good or bad for
society?

The expected deliverable is a document with maximum 3 pages. Typing rules: Arial, minimum font
size 10, and single spacing. Appendixes allowed but not graded.