04. The Changing Structure of the Financial Ecosystem

• Incumbent Collaboration with Techfins
  • Haven
• Why Haven is ended 3 years after launching(2021) ?
• Fintech Collaboration with Techfins
  • Fintech가 Techfin과 콜라보를 하게 되면 어떠한 요인에서 하게 되는가
• Reference

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Incumbent Collaboration with Techfins

Haven

• a joint venture announced by Amazon, JPMorgan, and Berkshire Hathaway

• It aimed to improve how people gain access to health care, starting with their own work forces

  • primary care easier to access

  • insurance benefits simpler to understand and easier to use

  • prescription drugs more affordable

Why Haven is ended 3 years after launching(2021) ?

• Berkshire Hathaway had a wide variety of systems for administering health care at the companies it owns.

• JPMorgan funds own health care plan for its employees, which posed a challenge to applying ideas working for Amazon and Berkshire Hathaway. (아이디어를 적용하는 것에 어려움을 겪었다)

Fintech Collaboration with Techfins

• Fintech - The ability to acquire customers and achieve distributional scale is a critical barrier to their success.

• Technology firms - Their massive customer bases and deep pockets place them in a unique position as a platform for the distribution of fintechs’ financial products.

Fintech가 Techfin과 콜라보를 하게 되면 어떠한 요인에서 하게 되는가

• Fintech는 충분한 고객확보와 자본의 규모가 적은 반면에 Techfin은 대량의 고객층과 충분한 자본이 있기 때문에, fintech의 기술들을 접목시키면 서루 윈윈일 것이다.

Reference

• The Future of Finance

  • The Impact of Fintech, AI, and Crypto on Financial Services, Henry Arslanian and Fabrice Fischer, 2019, Springer