we had a discussion on how Fintech companies can have competitive advantages compared to traditional banking.

Below, there are two Fintech companies- very successful, please reflect on this within your study group to define these competitive advantages as well as the reason for this business success. Remember, you do not have to agree with all comments which are posted here by other groups, make sure to justify your argument.

What strategy and technology do you think makes these companies successful

ANT FINANCIAL Ant Financial Year launched: 2014 Geographical presence: HQ in China; services offered globally Current traction: 670 million total users globally. including 450 million Alipay users, 300 million Yu'e Bao users and 200 million Sesame Credit users ..ClearScore ClearScore Year launched: 2015 Geographical presence: UK Current traction: 4.7 million users