Digital Winners and Losers

February 11, 2020

Read The Full Prompt

Digital technologies are upending many industries and companies. Think about Uber’s impact on the taxi business or Amazon’s impact on retail stores.

For this assignment, we would like you to identify companies/organizations that you think are winning or losing. Just work on either winners or losers. Please focus on just one organization. Tell us why they are a winner or loser. Discuss elements of how they create and/or capture value that is leading you to call them a winner or loser.

Create an approximately 750-word post to make your contribution on digit.hbs.org by 6pm on Feb 11. Please create appropriate tags for your post including if it is a “winner” or “loser.” Please also respond to and comment on three other posts. Feel free to use graphics, data, videos and links to other sites to corroborate your points.

Selected posts will be discussed in class.

Submitted (79)

MarketAxess: Winning via bond disruption
Sky Deck
Posted on February 11, 2020 at 5:43 pm
Cross the widely known benefits of electronic platforms with the massive but unfamiliar-to-most world of bond trading, and you get MarketAxess (Nasdaq: MKTX). The question isn’t if their fixed income marketplace will win or even when, but just by how [...]
Nubank: a fintech that finally nudges Brazil’s banking oligopoly
Fernanda Pedreira
Posted on February 11, 2020 at 6:10 pm
  Nubank is a fintech that was founded in 2013 and entered the Brazilian market to compete with traditional financial services providers. From its inception, it offered consumer credit cards that slashed annual fees and that were entirely managed by [...]
CarGurus Leaving AutoTrader and Others In Its Dust
Jesse Bendit
Posted on February 10, 2020 at 3:57 pm
The auto industry is huge and its online marketplaces provide significant value and are earning accordingly - in a winner-take-most industry, CarGurus has come out on top.
C3.ai: Stealing the Primes’ Lunch
Chris H
Posted on February 11, 2020 at 3:11 pm
C3.ai is applying ML and IoT technology to improve how the US DoD maintains billions of dollar’s worth of equipment.
All eyes on Shopify: a winner take all
Petra
Posted on February 11, 2020 at 5:50 pm
Shopify, a low-key Canadian company, started as a SAS software solution that enables small and medium-sized businesses (SMBs) to create their own customizable e-commerce websites without the need to have any prior development or design knowledge. Today, fifteen years after [...]
Nubank: Building a USD 10 billion fintech in 6 years
RicardoN
Last modified on February 11, 2020 at 4:13 pm
Nubank is the world's most valuable digital bank. This post reflects on some of the reasons why the startup was able to achieve such success.
Betterment on disrupting the financial service industry
Ulunma
Last modified on February 11, 2020 at 5:50 pm
  Unlike the disruption that we have seen in the retail space with Amazon, transportation with Uber, and movie industry with Netlflix, there isn’t a single tech firm leading the future of financial services. Betterment hopes to play that role. [...]
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