How can rails (Visa and Mastercards) address open banking challenges that threaten their business model?

Your essay should cover the following main parts:

  • An external analysis of the firm

  • An internal analysis of the firm

  • The recommended strategy

    1. The external analysis of the firm, which describes the industry context in which the
    firm competes. A thorough external analysis will first address the general environment
    under study. Second, it will look at the industry dynamics and competitive market (e.g.,
    who are the firms selling to, what challenges do the firms face in profitably reaching their
    customers). Next, the analysis should discuss the firm’s competitors—are they larger,
    smaller, more profitable, more flexible? What overall advantage or disadvantage would
    these competitors have in the marketplace? The 5-forces Porter’s model is a good tool to
    organize your work when defining the competitive environment.

    2. The internal analysis of the firm (and the partner or competitor) describes the strengths
    and weaknesses the firm. What resources can a firm leverage against its competitors
    and/or to tap new markets? What resources can a firm complement its partners? What
    weaknesses might we see that will handicap the firm in the future? What are the key
    strategies the firm is pursuing? Comment on the positive and negative aspects of those
    strategies and provide support for your arguments. A good internal analysis will show the
    difference between core competencies and their implications. While sometimes difficult
    to use, whether a resource is valuable, rare, costly to imitate, and an organization can
    organize and exploit the resource is another good analytical tool which can help you to
    organize your thoughts and develop a supporting argument for why a resource or
    capability yields a competitive advantage. Identify the economic moats and the business
    model for that firm.

    3. The recommended strategy. Having analyzed the firm, you should have an idea of what
    strengths the firm should be leveraging, and you can look again at the external
    environment to see what opportunities it should pursue. In many of the cases, the firm in
    question is contemplating, or has implemented, several specific strategic actions. In this
    situation, the project should also include an evaluation of these specific strategic actions
    and recommendations should be made and justified. Ideally, you would give one to three
    alternatives. Select one of these alternatives as the preferred recommendation. While all
    three might be good, a firm may only be able to attack one at a time and will want to
    know which one you think has the biggest return. Explain why you believe this is the
    best option for the firm. The alternatives need to be specific action items. As an example,
    instead of saying “form an alliance,” you could recommend “form an R&D alliance with
    Q to leverage this firm’s superior product rollout capabilities against Q’s more advanced
    technology.” It may take some effort, but this will show that you understand a) what
    makes the firm strong or weak and b) how it can take advantage of those factors. You
    could even recommend a firm liquidate—be specific and say how management should
    sell it off. To do a good strategic analysis of a firm, you will need to compile additional
    data. The university subscribes to many online journals, and much news is available from
    library sources. Use theoretical concepts and frameworks you have learned to justify your
    decisions.

    1. double spaced, MLA style
      bibliography, appropriately cited and proof-read.

    2. Your individually written report will be graded based on:

      1. **Interestingness, newness, and relevance of the topic. DON’T USE OLD ISSUES.**

      2. Application of theories and frameworks learned in class (content quality)

      3. Adherence to format of MLA style bibliography while using external resources

      4. Professionalism of the paper ( statistics supporting your case, ….) 

       

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