In the wake of the 2008 global financial crisis, the Basel III Accord imposed minimum capital requirements to strengthen the resilience of individual banks and thus enhance the stability of the international financial system. This in turn elevated the need to properly assess the banks risk-weighted assets, RWA.

The case discusses different steps which Mastercard has followed in its digital transformation journey. They involve opportunity framing, creating innovation pathways, finding digital transformation opportunities, and innovation with partners within adaptive ecosystems.