Greenhill: Alignment Through Simplicity
Greenhill’s business model and operating structure are perfectly aligned to maximize profitability by driving fee based revenue while minimizing headcount and overhead
Finance
Solar Mosaic: The Kickstarter of community solar
Solar Mosaic enables crowdfunded loans for residential solar projects. It is an innovative platform that connects borrowers who want to install photovoltaic panels on their roof with investors who are willing to provide capital as lenders.
CIBC World Markets: Serving clients or serving selves?
How one investment bank falls short of “beating the Street”
GS Elevator – From Point A to B with Many Stops
Introduction Goldman Sachs is a public investment bank with a market capitalization of ~$78bn that has ~ 34,000 employees around the world. The company’s core business is focused on providing clients with advice on their capital markets and strategic decisions. […]
Profitably lending to lower income households in Mexico
Mexico´s largest microfinance lender, Banco Compartamos has more than 2.5 million customers with an average loans of US$360. Through an effective alignment of its business model and operating model, this lender has profitably served millions of lower income households by providing access to credit where other banks can´t reach.
LendingClub
LendingClub uses technology that banks don't have, to offer what they can't.
Capital One: Aligning the organization through data
Capital One is a Fortune 500 company that provides financial services such as credit cards and loans to consumers, small businesses and commercial clients. The company operates mainly in the US, Canada and the UK. Since the economic crisis in 2009, the share price has been continuously increasing and reached $91 per share in July 2015. [1] Capital One is well-known for expanding the credit industry by implementing an innovative, analytical approach to assess customers’ risk profiles. It is now one of the biggest provider of credit cards in the US (Exhibit 1), and has used its strong competitive advantage in data analysis to become a major player in retail banking and other services. To achieve this position, Capital One has been very successful at aligning its operating model and its business model.
Online bank Simple – not so simple after all
“Online bank Simple was set for failure since the very beginning, and it belongs to the worst kind of startup failures: those that don’t achieve their ambitious goals by any means, but also manage to mediocrely survive; like nightmares that never end.”
Rise of the Machines: Is Betterment a Better Business for Wealth Management?
Betterment leads the fray in a group of financial technology (FinTech) companies known as Robo-Advisers who seek to use automated investment platforms to disrupt the wealth management industry as we know it.
Bridgewater Associates: More than just luck
Bridgewater Associates’ operating model, making investment decisions collectively following thorough and logical discussions, enables them to effectively utilize its intellectual capital to win in the capital market at higher probability than its competitors do.