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Disruptive innovation in an incumbent ecosystem : A case study of Vipps, Mobilepay and mCash

Vikenes, Lene; Foss, Mathias Solheim
Master thesis
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URI
http://hdl.handle.net/11250/2488864
Date
2017
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  • Master of Science [1555]
Abstract
The purpose of this study is to explore how an incumbent can benefit from an

existing ecosystem in order to stay competitive in a disrupted market. In Norway,

mobile payment apps have been a market with rapid changes since mCash first

launched its mobile payment app in 2014. The regulatory changes that comes with

the new payment services directive, from EU, PSD2 has also been a factor that

has made this competitive landscape an interesting case to follow. Data for this

study was gathered by interviews with DNB/Vipps, MobilePay/Danske Bank,

Nets, BankAxept and Bits, as well as secondary data to support the interviews.

Mobile payment apps, are in research terms, a relatively new topic and there is

therefore little previous research to look at. Since, previous research has not

focused on the impact of regulatory changes, our findings show that when it

comes to the impact of regulation, and the regulatory actor’s role as an active

member of the ecosystem there is a gap in the theory. Further, our findings

contribute to the theory on the Incumbent’s curse, and that it may not be as strong

as previous studies suggests.

The market of mobile payment apps is in constant change and the impact of

PSD2, with its full effect from 2018, will further change and affect the situation

we see today.
Description
Masteroppgave(MSc) in Master of Science in Business, Leadership and Change - Handelshøyskolen BI, 2017
Publisher
BI Norwegian Business School

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