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Scaling in Africa : motives, modes and challenges of internationalisation within the inclusive fintech industry

Humby, K. (2020) Scaling in Africa : motives, modes and challenges of internationalisation within the inclusive fintech industry.

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Abstract:This study explores factors that influence the internationalisation decision and market entry strategy of inclusive fintech MSMEs on their path to scale across Africa. This paper draws on theories on internationalisation of firms within the Africa financial service industry and digital INV internationalisation. The internationalisation of five MSME inclusive fintech in Africa are explored through qualitative research consisting of in-depth semi-structured interviews to create a case study analysis. The findings indicate two main drivers of internationalisation for INVs. Firstly, INVs internationalise in order to meet incoming demand which is largely a result of serendipitous events. Secondly, investor expectations are a major influence on an INVs decision to enter into foreign markets. INVs mainly follow an opportunistic, ad-hoc internationalisation method that does not pay much attention to the type of country and market conditions and furthermore, the importance of partner selection supersedes market selection. Partner selection is critical to INV internationalisation as INVs typically choose to enter markets with a local partner as it lower-resource, lower-risk entry mode than establishing a wholly-owned subsidiary. The findings reveal a trade-off between the internationalisation scale and speed of fintechs and lasly, that the internationalisation process is heavily impacted by investor expectations and influence.
Item Type:Essay (Master)
Faculty:BMS: Behavioural, Management and Social Sciences
Subject:85 business administration, organizational science
Programme:Business Administration MSc (60644)
Link to this item:http://purl.utwente.nl/essays/80985
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