In 2016, Steve Anavi and Alexandre Prot started Qonto as a ‘challenger’ bank focused on SMEs and freelancers, in France. After achieving rapid success, questions surface about where to draw the bank’s boundaries. The early focus is on the customer interface and back-end operations are outsource, but by 2017 they are wondering whether to bring the core banking infrastructure in house.
Discussing a firm’s boundaries, integration, value chain and ecosystem in the context of innovation.
- Firm boundary
- Value chain