Writing
HIBS Individual Company Report on Monzo Research Paper

Hult International Business School

Question Description

I’m trying to learn for my Business class and I’m stuck. Can you help?

Pick a Fintech company that interests you and figure out how it is improving the financial services landscape.

Each student must choose a unique company to research. Before starting, you will need to let me know your desired company and I will check to make sure there are no duplicates.

All students will present to the class on April 3rd in groups.

An excellent paper will include the following 5 components:

1. 4-7 pages in length (not including visuals). Brevity is valued.

2. Competitive analysis of 5-10 companies going after the same market or having the same product, with a focus and more detail around the 1 company that you think is their greatest threat, and why. Make sure to always have supporting references. I'm looking for informed opinions.

3. An understanding of the company's organizational structure and why it is advantageous.

4. Criticisms and insights resulting from your findings about the company.

5. Video or voice-recording evidence of a personal interview with an employee of that company. You should prepare a list of 10 questions in advance and figure out a way to arrange a brief 10 - 15 minute interview with someone from that company. A link to the video or voice recording should be uploaded in the comments section. Anyone who does not upload a video or voice recording of the interview, will automatically lose 3 points. Even if you are not able to record the interview, it is a requirement that you meet with an employee. Failure to do so will result in a loss of 6 points. This is a critical component. Make sure to elaborate on the findings from your interview in the paper. The 10 questions for the employee should be included as an addendum at the end of your paper. If unable to speak to an employee and do an interview, you can instead look up an interview of an employee (in print or video) from that company and provide an overview of what was discussed, and answered. Please cite the reference and include the write up in the body of your paper.

Rubric

Company Report

Company Report

CriteriaRatingsPts

This criterion is linked to a Learning OutcomeOrganization

10.0 pts

Excellent

Presentation is clearly organized and easy to follow with smooth transitions from one subject to the next.

8.5 pts

Good

Presentation is organized, but some transitions are rough. Clarity of structure is generally good.

7.8 pts

Satisfactory

There is a general sense of organization. Transitions are rough and presentation sometimes lacks clear structure.

6.5 pts

Inadequate

Presentation is disorganized. Transitions are rough and presentation is not well-structured.

0.0 pts

Unacceptable

Presentation is completely disorganized with no sense of organization.

10.0 pts

This criterion is linked to a Learning OutcomeContent

14.0 pts

Excellent

Exceptionally well presented and argued. Ideas are detailed, well developed, and supported with specific evidence and facts, as well as examples and specific details.

11.9 pts

Good

Well-presented and argued. Ideas are detailed, developed and supported with evidence and details, mostly specific.

10.92 pts

Satisfactory

Content is generally sound. Ideas are present but not particularly developed or supported. The analysis uses some evidence, but it is usually of a generalized nature.

9.1 pts

Inadequate

Content is confusing and/or difficult to follow. Ideas are unclear and undersupported. The analysis is based on little to no evidence.

0.0 pts

Unacceptable

Content is not sound.

14.0 pts

This criterion is linked to a Learning OutcomeInsights and Criticisms

10.0 pts

Excellent

Exhibits a clear understanding from the research. Extraordinary insights offered that might not be immediately obvious or evident from a cursory review. Substantiated opinions.

8.5 pts

Good

Solid understanding of the company and its workings. Obvious insights, yet well presented and substantiated.

7.8 pts

Satisfactory

Good understanding of the company but the information presented doesn't reveal anything new. Adequate analysis of the company's position in the market.

6.5 pts

Inadequate

Insufficient understanding of the company and its workings. Few critical insights, but lacking substantiation.

0.0 pts

Unacceptable

Understanding of the company, insights and criticisms are absent or severely lacking.

10.0 pts

This criterion is linked to a Learning OutcomeEmployee Interview

6.0 pts

Full Marks

10 interview questions prepared and added to the addendum of your paper. Analysis from the interview included in the body of your paper. A video or voice-recording of the interview uploaded to the comments section.

5.0 pts

Half Marks

If unable to speak to an employee and do an interview, you can instead look up an interview of an employee (in print or video) from that company and provide an overview of what was discussed, and answered. Please cite the reference and include the write up in the body of your paper.

0.0 pts

No Marks

Failure to do an interview with an employee. No video or voice-recording. No interview analysis. No list of questions in the addendum. No coverage or a third party interview or video.

6.0 pts

Total Points: 40.0

Student has agreed that all tutoring, explanations, and answers provided by the tutor will be used to help in the learning process and in accordance with Studypool's honor code & terms of service.

Final Answer

Howdy! ✌ Nice seeing you again! Anything I should know before I begin?
Attached.

Running head: INDIVIDUAL COMPANY REPORT ON MONZO

Individual Company Report on Monzo
Student Name
Course

1

INDIVIDUAL COMPANY REPORT ON MONZO

2

Individual Company Report on Monzo
Most companies have gone fintech to advance as well as automate the use along with the
delivery of the financial services. Fintech implies financial technology and by integrating fintech,
it has been possible for most consumers along with the business owners to manage their financial
processes, operations, plus lives necessarily by engaging special algorithms and software that are
utilized on computers and smartphones. A perfect example of a fintech company entails Monzo
Bank Limited, a financial company headquartered in the UK. The company began its operations
by operating the prepaid debit card and the mobile app in 2017. The company has been known to
be among the first new app-based challenger companies in the region (Lu, 2018). Before
September 2019, the company was already enjoying a large pool of customers wherein,
particular it had 3 million customers. To gain solid consent regarding Monzo bank Ltd, this
paper presents a financial report of the company to find out if it is improving financially. This
will be by presenting its financial performance, presenting a competitive analysis by comparing
various companies in the industry, Monzo organizational structure, critique the findings, and
conclude with a personal interview.
Monzo Vision and Mission Statements
The vision statement for the company entails building Monzo to eventually become a
marketplace. This means that the management was enthusiastic to see the company grow into a
control center that presents people with control and visibility over of all their money. The
company mission statement entails making money for everyone and it seeks to ascertain the
mission by pursuing the following phrases. The first phase entails putting the money of its
customers to work by ensuring that customers get the ultimate value of their money by
identifying friendly ways of borrowing along with making smart investment decisions the second

INDIVIDUAL COMPANY REPORT ON MONZO

3

phrase entails Monzo is for everyone which implies that its intents are ambitious where the
company management focuses on bringing the company services to more than one billion people
across the globe (Lu, 2018).
Monzo Financial Performance
Annual Report 2017
In the previous 12 months, Monzo has enjoyed hundreds of thousand customers who opt
to subscribe to Monzo services as the company management intends to launch its current
account. The company management has been zestful to ensure that the bank advances the lives of
billion people across the world. By the end of 2016, the company spent £250m on its prepaid
program that hit 240,000 funded accounts. 2017 was a productive year for the company where in
the first five months, specifically January, the company enjoyed averagely 5% weekly growth in
the number of customers along with the 7% weekly increment in volume transaction (Mohamed
& Ali, 2018). Certainly, this growth was primarily necessitated through referrals as the company
customers would be compelled by the services of the company and so, inform their friends and
relatives who also wish to subscribe to the company services.
The company management acknowledges its customers for being the key pillar in
prompting its success. While the company has been operating mobile-only banking, promoting
authentic individual engagement is integral to developing as well as maintain trust. So, the
company customers should be ready to engage anyone working at the company about their
money. All the same, the customers have meaningful to the company by promoting its
sustainability. Through the customers, the company generated enough capital for more than the
first 12 months of its operations as a bank. Businesses can be viable and sustainable by
ascertaining their profits in the long run (Mohamed & Ali, 2018). Nonetheless, the management

INDIVIDUAL COMPANY REPORT ON MONZO

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made it clear that profitability should not be prioritized for 2017, rather it would be important for
the company if will direct its attention on growth over the driving revenue. This means that in
2017, the company was plotting to increase its funding to propel its growth in the subsequent
investment round to engage more customers.
Annual Report 2018
At Monzo, a lot of changes can be observed wherein, specifically the annual report 2017
recorded that in the p...

Chancellor_Ivy (21921)
Cornell University

Anonymous
Return customer, been using sp for a good two years now.

Anonymous
Thanks as always for the good work!

Anonymous
Excellent job

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