In spring 2005, Zopa is a peer-to-peer online brokerage that couples British citizens who want to give to those who want to borrow. The company provides a new business model in the retail financial services industry, and since Zopa is technically not a bank and does not lend itself money to run the business, the capital requirements are relatively small. Compared to a traditional full-service bank Zopa focused on only a few steps of the value chain. This case study presents a … Read more »

In spring 2005, Zopa is a peer-to-peer online brokerage that couples British citizens who want to give to those who want to borrow. The company provides a new business model in the retail financial services industry, and since Zopa is technically not a bank and does not lend itself money to run the business, the capital requirements are relatively small. Compared to a traditional full-service bank Zopa focused on only a few steps of the value chain. This case study provides an overview of the financial service industry, especially banks, in the UK in 2006 and as Zopa, a value innovator, has developed a unique position in the market through an innovative business model. Rich data arise primarily in banking trends. More info about major players in the industry delivered. This data will enable the students a good understanding of the elements with a value of innovation and how technology has the potential to shake up an established industry to develop structure and its key players. One focus is on the concept of value innovation and sustainable competitive advantage. The case can also be used on the subject of how established companies should react innovative new business models to address.
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from
Martin couplings,
Jamie Anderson
Source: ESMT – European School of Management & Technology
10 pages.
Release Date: 08 December, 2006. Prod #: ES0651-PDF-ENG
Zopa.com HBR case solution

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