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MSIN0226 Fintech
Term 2
Assessment title Coursework
Individual/group assessment Group
Return and status of marked assessments: Within 4 weeks from the date of submission as per UCL guidelines. The
module team will update you if there are delays through unforeseen circumstances (e.g. ill health). All results when
first published are provisional until confirmed by the Examination Board.
Copyright Note to students: Copyright of this assessment brief is with the module leader(s) named above. If this
brief draws upon work by third parties (e.g. Case Study publishers) such third parties also hold copyright. It must not
be copied, reproduced, transferred, distributed, leased, licensed or shared any other individual(s) and/or
organisations, including web-based organisations, without permission of the copyright holder(s).
Academic Misconduct: Academic Misconduct is defined as any action or attempted action that may result in a
student obtaining an unfair academic advantage. Academic misconduct includes plagiarism, obtaining help
from/sharing work with others be they individuals and/or organisations or any other form of cheating. Refer to
Academic Manual Section 9: Student Academic Misconduct Procedure - 9.2 Definitions.
Referencing: You must reference and provide full citation for ALL sources used, including articles, text books, lecture
slides and module materials. This includes any direct quotes and paraphrased text. If in doubt, reference it. If you
need further guidance on referencing please see UCL’s referencing tutorial for students here: https://library-
guides.ucl.ac.uk/referencing-plagiarism/welcome. Failure to cite references correctly may result in your work being
referred to the Academic Misconduct Panel.
Content of this assessment brief
Section Content
A Core information
B Coursework brief and requirements
C Module learning outcomes covered in this assessment
D Groupwork instructions (if applicable)
E How your work is assessed
F Additional information
Published 20th October 2021
Section A: Core information
Submission date 17/03/2022
Submission time 10.00 UK time
Assessment is marked out of: 100
% weighting of this assessment
within total module mark
60%
Maximum word count/page
length/duration
Up to 2500 words in total for all of Part A and Part B. Up to 10
mins for a presentation in Part C.
Footnotes, appendices, tables,
figures, diagrams, charts included
in/excluded from word count/page
length?
Included
Bibliographies, reference lists
included in/excluded from word
count/page length?
Excluded
Penalty for exceeding word
count/page length
If the word count/page length is exceeded the excess content will
NOT be marked.
Penalty for late submission Standard UCL penalties apply. Students should refer to Refer to
https://www.ucl.ac.uk/academic-manual/chapters/chapter-4-
assessment-framework-taught-programmes/section-3-module-
assessment#3.12
Submitting your assessment Please submit via the Turnitin Dropbox under the Assessment
section of the module Moodle page.
Anonymity of identity. Normally, all
submissions are anonymous unless
the nature of the submission is such
that anonymity is not appropriate,
illustratively as in presentations or
where minutes of group meetings
are required as part of a group work
submission
The nature of this assessment is such that anonymity is not
required.
Published 20th October 2021
Section B: Assessment Brief and Requirements
This assignment will require you to analyse a fintech company you have chosen. Please make
sure you confirm the fintech company you want to analyse with your module leader. This means
that you have emailed the module leader with your nominated company, and the module leader
has emailed back their confirmation.
The company that you pick should be operating in the fintech industry. You will need to use the
business model canvas to explore its business model. You will also use Porter’s Five Forces to
analyse the industry segment the company is operating in.
The company you pick should innovate in or disrupt the financial services sector. The company
must be in operation, i.e. it should have a functioning service that you can access if required to
engage with its business model (e.g., understanding the customer user experience).
You will need to answer Parts A and B with a written response. You can obtain a maximum of 70
marks for these two sections. All answers should be long-form (i.e. not bullet points) and
submitted as a pdf file.
Part C can be answered through a recorded presentation and submitted as a mpeg4 or mp4 file
full HD 1080p (1920x1080). You can attain a maximum of 30 marks for this section. Your
presentation should not be more than 10 minutes long.
Higher marks can be obtained for those that demonstrate correct critical and analytical thinking.
Brief
Part A: Business Model Canvas:
1. Please use the different sections of the business model canvas to explore the business
model of the fintech company. You must refer to each of the nine sections but only include
relevant parts of each section that apply to your chosen company. [18 marks]
2. How does this fintech company's business model differ from that of an incumbent offering
similar services in the sector? Why would customers choose the fintech company’s
service over an incumbent's? Why haven’t incumbent businesses taken the company’s
approach? [12 marks].
[5 marks for clarity and structure of answer]
[Total 35 marks]
B: Porter’s Five Forces:
1. Using each of Porter’s Five Forces, please analyse the industry segment that the fintech
company is operating in and indicate to what degree each of the forces influences the
profitability of the sector and the company’s competitive advantage if relevant. [20 marks]
2. Based on your analysis of the sector (and explicitly referring to the forces), is the overall
profitability of the sector high, medium or low, and why? What do you think about the
outlook for the profitability of the sector and the company’s competitive advantage and
why? [10 marks]
[5 marks for clarity and structure of answer]
[Total 35 marks]
C: Creating a new feature, product or service:
Imagine you are a product manager tasked to come up with a new product or feature for the
company you are analysing. You are required to come up with a recorded video presentation on
this new feature, product or service (hereafter referred to just as the product) that should cover
the following aspects:
1. Summarise your understanding of what the company does and its main products and
services. [5 marks]
2. Pitch the new product you are proposing to be rolled out by the company. You should use
aspects of the Business Model Canvas and Porter’s Five Forces that may be relevant to
your particular case. In particular, you should cover:
a. What is the value proposition of the new product?
b. What customer segment will this appeal to?
c. What technologies does this product utilise, and how?
d. How may this generate revenue?
e. What will this new product cost, and what additional resources may be required?