Understanding The Disruptive Business Model Innovation Of E-Business Microcredit: A Comparative Case Study In China

Published In

Technology Analysis & Strategic Management

Document Type

Citation

Publication Date

2018

Abstract

This paper uses an in-depth case study approach to compare and analyze e-business microcredit firms and traditional bank business models in China, employing a business model template redefined as an analytical tool. The results suggest that the EMF business model has typical disruptive innovation characteristics, shedding new light on the definition and criteria of disruptive business model innovation as little research has done on its systematic analysis. This study also presents a holistic conceptual framework for four triggers constituting their business model difference, inclusive of non-mainstream customer positioning, inclusive platform-based infrastructure, platform-based leveraged capability, and user experience-centered value proposition.

Locate the Document

https://doi.org/10.1080/09537325.2017.1376047

DOI

10.1080/09537325.2017.1376047

Persistent Identifier

https://archives.pdx.edu/ds/psu/27068

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