The six business models and the related interviewee experience
| Business model | Interviewee experience |
|---|---|
| (1) Focus on less financial services and disaggregate |
|
| (2) Absorb AI into existing financial model |
|
| (3) Incumbent in finance expanding beyond model |
|
| (4) Dedicated finance disruptor |
|
| (5) Tech company disrupting finance |
|
| (6) Disruptor not focused on technology with extensive user-base |
|
| Business model | Interviewee experience |
|---|---|
| (1) Focus on less financial services and disaggregate | Incumbent German bank with offline and online presence Incumbent Irish bank with offline and online presence |
| (2) Absorb AI into existing financial model | Incumbent German bank with offline and online presence Incumbent French bank with offline and online presence |
| (3) Incumbent in finance expanding beyond model | Incumbent British bank with offline and online presence Incumbent German bank with offline and online presence |
| (4) Dedicated finance disruptor | German Internet-only startup bank British Internet-only startup bank |
| (5) Tech company disrupting finance | Chinese tech company offering banking services USA tech company offering financial services |
| (6) Disruptor not focused on technology with extensive user-base | German supermarket offering insurance services British retailer offering financial services |
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