Navigating Fintech Innovations: Strategic Insights from the United States and India
Name
shanbhag-rish-msms-sloan-2025-thesis.pdf
Description
Thesis PDF
Size
1.3 MB
Format
Adobe PDF
Checksum (MD5)
c31990a1a430169f4aa1dcdaeeebf29d
Author(s)
Shanbhag, Rishabh Ganesh
Advisor(s)
Scott, Erin L.
Date Issued
May 2025
Publisher
Massachusetts Institute of Technology
Abstract
This thesis examines how fintech ventures are reshaping financial services through new technologies and strategic choices tailored to different markets. It first looks at key innovations: digital payments, digital wealth management, and open banking, and how they have transformed everyday financial activities. The research then compares how fintech companies operate in the US and India by analyzing how market conditions, government initiatives, regulations, and consumer behaviors shape adoption. Finally, through case studies of Robinhood (US), Revolut (Global), and Paytm (India), the thesis examines how fintech firms navigate the choice between competing with traditional players and collaborating with them to scale under different market scenarios. Together, these insights aim to help entrepreneurs, investors and policymakers understand how strategy and technology come together in the fintech industry.
MIT Department
Sloan School of Management
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In Copyright - Educational Use Permitted
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