MFS Internal Evaluation Components

MFS INTERNAL EVALUATION
Component(s) Marks
Mid-Term exam 20 marks
Class Participation 05 marks
Case Study 1 U trade Solutions* 08 marks
Case Study 2 Faircent: Powering P2P Lending Solutions* 07 marks
Cross-country analysis on Fintech adoption* 10 marks
Cross-country analysis on Mutual Funds* 10 marks
Total 60 marks
*Group assignment
Checklist for Cross-country analysis (for Fintech Adoption) Powerpoint Presentation
Please ensure the following points are included while preparing the presentation on Fintech
Adoption for respective economies:
a. Brief background of Fintech industry in the given economy, i.e. when it started, who was
first player and regulator(s) responsible for regulating fintech companies.
b. Size of Fintech industry and year-on-year growth in fintech space in last 5-7 years. Also,
size of fintech industry relative to traditional banks
c. Any evidence of fintech companies challenging traditional financial institutions in terms
of declining volume transactions, deposits, wealth management services etc.)
d. Portfolio of financial services provided by fintech companies (such as wealth
management, insurtech, roboadvisory, P2P lending, payments etc.)
e. Does the economy have specific regulations (if any) in place for regulating the fintech
industry at large?
f. Key enablers for fintech industry (i.e. any government support, technology readiness,
regulatory support, conducive business environment, ease of starting fintech company,
funding availability etc.)
g. Key regulatory and infrastructure challenges and potential risks faced by Fintech industry
in the respective economy
Checklist for Cross-country analysis (for Mutual Funds) Powerpoint Presentation
Please ensure the following points are included while preparing the presentation on Mutual
Funds for respective economies:
a. Who regulates Mutual funds in the economy?
b. Different types of mutual funds available for investment
c. Total size (funds under management) of mutual industry (further breakup of MF industry
in terms of equity/debt/gold mutual funds, equity – open ended/close ended, large cap,
mid cap etc.)
d. Expense ratio for open-ended funds vis-à-vis close ended funds
e. Percentage of Mutual Funds Investment w.r.t. GDP
f. Major investors in Mutual Funds.
g. How Mutual Funds are sold/distributed in the market (i.e. direct selling of MF to
investors by asset management company or use of banks/other financial institutions or
any online platform exists for selling such funds).
h. Presence of Exchange Traded Funds (mention the type, volume and liquidity of ETFs)
i. Impact of Covid-19 on MF industry and mention key prospects and challenges for mutual
fund industry at large (i.e. technological disruption, regulatory challenges, changing
investment preferences, poor performance of equity funds etc.)
CASE STUDY 1 – FAIRCENT: POWERING P2P LENDING REVOLUTION
Questions (handwritten and scanned pdf copy should be submitted)
Q1. Is P2P lending a winner-takes -all market?
Q2. What additional measures are required to increase investor confidence in the P2P lending
system which can potentially help in reducing the cost of capital too?
Q3. How Faircent has performed during the COVID crisis? Would any form of diversification of
services offered on the marketplace help reduce the risks of a financial crisis such as Covid or
similar financial distress situation?
Q4. What are the envelopment risks faced by Faircent given the presence of large commercial
banks and NBFCs who are fast leveraging technology to strengthen their consumer reach and
create an alternate banking channel?
CASE STUDY 2 – UTRADE SOLUTIONS: LEVERAGING GROWTH
OPPORTUNITIES IN THE FINTECH INDUSTRY
Questions (handwritten and scanned pdf copy should be submitted)
Q1. What key challenges is uTrade facing in India’s fintech industry?
Q2. Identify and analyse uTrade’s core competencies as an emerging fintech firm. Can uTrade
create a matrix or table and show mapping of competencies with possible future opportunities
such as credit lending, payment systems, investment management, personal finance management,
banking technologies and insurance technologies. A sample is placed below for better
understanding.
Proprietary Technology Installed base Sales and
product and team and existing distribution
technology customer network
relationships
Strong/moderate Strong/moderate Strong/moderate Strong/moderate
/weak /weak /weak /weak
Credit Lending
Payment
systems
Investment
management
Personal
finance
management
Banking
technologies
Insurance
technologies
Q3. Compare the three options available to uTrade for future growth. Identify the best option in terms
of cost, payouts and strategic fit.
Q4. What decision was finally taken by uTrade in 2021? Was it taken over by another competing firm?
Explain whether this move was justified for uTrade.

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MFS INTERNAL EVALUATION

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