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1. Pick two of the companies below and discuss:

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1. Pick two of the companies below and discuss:

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What are the business models for these companies?
What do these companies do? How do they do it and how they make money/create value?

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2. Make a list of things the two companies have in common

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2. Make a list of things the two companies have in common

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Pick two of the companies below and discuss:

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Pick two of the companies below and discuss:

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What are the business models for these companies?
What do these companies do? How do they do it and how they make money/create value?

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2. Make a list of things the two companies have in common

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2. Make a list of things the two companies have in common

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Non-banking: Carousell
Links up buyers and sellers together on a single platform
Makes money through advertisements and offering sellers to bump their items for a small fees
Banking: Stashaway
Links up investors to investments for a small management fees vs traditional banks

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LinkedIn
- Marketplace for people looking for jobs and potential employers
- Monetization: Users / companies pay a subscription fee for access / push posts. Also sells advertisement to companies & lead generator

Carousell
- Marketplace to link people who have things to sell / buy
- Monetization: Pay a fee for higher views / "bump up" posts

Both platforms allow user validations; users to go direct; platform take a cut of market transactions; thrive on network effect; online.

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Spotify:
*Pay monthly fee to access to music/podcast content.
*Build ecosystem to help content creator to monetize the work

Robinhood
* Receive payment from FI for providing exclusive retail and non institutional order flow
* Retail users pay membership premium to enjoy better service level

In common
* Help end user to easily access content/service anytime and anywhere in their mobile
* Business model relies on scale
* Subscription business model to have a sticky client base

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Non-banking: ele.me (饿了么）- delivery service
Banking: etoro - social trading platform

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Business model: Open source reference edited and curated by Users. Dependent on Donations to fund the website.

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Offering commission-free execution, e-platform which allows users to transact in equities, ETFs, options and some cryptocurrencies. They make money by payment for order flow, premium membership fees, stock loans, interest on uninvested cash, interchange fees related to its debit card, and other smaller revenue streams.

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- online classified ads
- allows seller and buyer to meet without intermediary
- facilitates product discovery of anything
- facilitates direct payment, establishes trust between buyer and seller
- does not supports logistic yet
- target the mobile community, which allows efficient communication yet provide necessary anonymity
- ads revenue driven

How to capture value?
- monetise on payment
- expand on search algorithm, with premium ad pricing
- possible provide last mile logistics, to close the server end-to-end offering

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1) No physical presence.
2) Both claim to democratise access to finance and knowledge respectively

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- Robo-advisory
- target retail, unbanked, in SEA region
- funds driven for portfolio construction
- non brick-and-motar
- fee income, AUM and transaction based

How can they add move value?
- expand financial product offering (non substitute products)
-

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Earn management fees, low entry amount

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Carousell is a C2C marketplace that enables people to either purchase or sell goods and services via its website and app. Carousell makes money from advertising on its platform as well as listing fees. The company operates on a marketplace business model

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- Mobile first approach, direct reach to client without need for brick and mortar
- Started by filling an industry gap, and making the pain point lesser for consumer.
- technology driven, adapting to consumer behavior
- still VC funding reliant. Focusing on adoption and thus usage growth

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- Matching of buyers and sellers
- Promotes convenience
- Payments facilitation

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1. Crowdsourcing
2. Connect providers and customers
3. Trend following
4. Multi-product
5. An enabler - helping overcome hurdle of trying

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1. Online platform which needs some tech savviness from users
2. Brings small sellers and small investors together and allows easy access to markets.
3. Makes money through small fee per transaction. This makes it a volume game for both.
4. Low fixed cost setup. There is no brick and mortar store needed.
5. Easy accessible over mobile phones. This increases the reach.
6. Data driven