The case focuses on blockchain (and distributed ledger technology or DLT) – a ‘hot’ area of fintech – and on R3 as a fintech consortium that includes some of the world’s largest banks, financial institutions and regulators. R3 started out as a family office in 2014 and evolved into a fintech company focused on the application of distributed ledger technology (DLT).

Case A: Describes the development of e-inclusion, HP's program aimed at addressing the Digital Divide. It follows the project from its initial focus of corporate responsibility to its goal of developing new, profitable markets among the underserved.

Case B describes the initial developments in the Kuppam i-community, in India, a pilot project, under the auspices of e-inclusion, aimed at researching the potential to find a market for IT products and services and for HP’s competences among the poor.