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  • March 2019 (Revised October 2020)
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GENTERA: Facing the Digital Age

By: Michael Chu and Carla Larangeira
  • Format:Print
  • | Language:English
  • | Pages:29
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Abstract

After long dominating Mexican microfinance, Compartamos Banco faces the emergence of fintech, just as for the first time its loan portfolio and clients have declined. Enrique Majós, CEO of GENTERA, the bank´s parent company, is keenly aware of the profound changes since the Compartamos IPO in April 2007, when it was valued at $1.5 billion and became the first bank wholly dedicated to microfinance to be quoted in a major stock exchange. Since then, the market has become intensely competitive, with both large established institutions and new entrants vying for the same customers. Simultaneously, the digital era has spawned fintech, threatening to disrupt Compartamos’ highly successful model but also providing opportunities for the bank to reshape it. While challenged to manage key innovation within a leading incumbent, Majós must consider whether to commit his team to a major cost reduction in the next few years to his board of directors at their next meeting at the end of the month.

Keywords

Micro Finance; Base Of The Pyramid; Fintech; Microfinance; Disruption; Innovation and Management; Competitive Strategy; North America; Mexico

Citation

Chu, Michael, and Carla Larangeira. "GENTERA: Facing the Digital Age." Harvard Business School Case 319-092, March 2019. (Revised October 2020.)
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About The Author

Michael Chu

General Management
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Related Work

    • March 2019 (Revised October 2020)
    • Faculty Research

    GENTERA: Facing the Digital Age

    By: Michael Chu and Carla Larangeira
Related Work
  • GENTERA: Facing the Digital Age By: Michael Chu and Carla Larangeira
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