By <a style="color: #4bbb87;" href="https://www.sbs.ox.ac.uk/">Saïd Business School</a>

--

Read more about Stepladder: the development of a concept to allow people to access property deposits faster, supporting and preparing first time buyers for the process itself.

In Brazil, ROSCAs (rotating savings and credit associations) existed as part of high street banks’ offerings. It was here that Matt Addison studied ROSCA’s in order to understand how and why this centuries-old practice persisted in a sophisticated banking market and what lessons could be learned from them.

This was the research that first unlocked the idea for StepLadder, a home buying savings application developed to address the issues of ‘Generation Rent’.

House prices had risen sharply in 2014, following the 2008 Global Financial Crisis. First-time buyers were increasingly locked-out of homeownership, despite low interest rates and generous lending. People also took longer to save up for a deposit, which meant that they were falling further behind the amount they needed for mortgage deposits, due to erosion of buying power.

<a style="color: #4bbb87;" href="https://www.sbs.ox.ac.uk/sites/default/files/2021-04/offti_stepladder_paper_1.pdf">Learn more:</a>

Female Founders in Fintech Case Series: Stepladder

By Martin Schmalz and Uri Bram

--

By analysing apparently simple data sets, a combination of big data and artificial intelligence can offer a wide range of likely outcomes.

Read this exclusive excerpt from the recent book, The Business of Big Data: How To Create Lasting Value in the Age of AI, by Martin Schmalz and Uri Bram. The Business of Big Data explains the impact of big data on business models based on real economic logic instead of wild speculation, to help you understand its immediate impact on your decisions as an investor, an entrepreneur, a manager or a regulator, and enable you to thrive in the age of AI.

<a style="color: #4bbb87;" href="https://www.sbs.ox.ac.uk/oxford-answers/ai-judging-you">Learn more:</a>

The AI is judging you

By <a style="color: #4bbb87;" href="https://www.sbs.ox.ac.uk/">Saïd Business School</a>

--

The relevance and importance of Open Banking is soaring, with API usage doubling in 2020 in concert with a sharp increase in contactless payments and online banking following the COVID-19 Pandemic. This paper uses interviews with leading industry professionals to build a future-facing picture of the banking sector in light of Open Banking regulations. We find that the rise of the platform business model and the double-edged sword of the new banking regulations provide a window of opportunity for new entrants, but particularly BigTech to play a significant role in the future of banking.

The relevance and importance of Open Banking is soaring, with API usage doubling in 2020 in concert with a sharp increase in contactless payments and online banking following the COVID-19 Pandemic. This paper uses interviews with leading industry professionals to build a future-facing picture of the banking sector in light of Open Banking regulations. We find that the rise of the platform business model and the double-edged sword of the new banking regulations provide a window of opportunity for new entrants, but particularly BigTech to play a significant role in the future of banking.

<a style="color: #4bbb87;" href="https://www.sbs.ox.ac.uk/sites/default/files/2021-02/Rise%20of%20BigTech%20Platforms%20in%20Banking%20-%20Oxford%20White%20Paper%20Final%20%28002%29.pdf">Learn more:</a>

The rise of big tech platforms in banking

Saïd Business School at the University of Oxford blends the best of new and old.  We are a vibrant and innovative business school, but yet deeply embedded in an 800-year-old world-class university.  We create programmes and ideas that have global impact.  We educate people for successful business careers, and as a community seek to tackle world-scale problems.  We deliver cutting-edge programmes and ground-breaking research that transform individuals, organisations, business practice, and society.  We seek to be a world-class business school community, embedded in a world-class university, tackling word-scale problems.
Our online campus enables you to engage and interact with a global cohort of like-minded professionals and innovators.  <a href="http://www.sbs.oxford.edu/online">www.sbs.oxford.edu/online</a>

Saïd Business School, University of Oxford

Saïd Business School at the University of Oxford blends the best of new and old.  We are a vibrant and innovative business school, but yet deeply embedded in an 800-year-old world-class university.  We create programmes and ideas that have global impact.  We educate people for successful business careers, and as a community seek to tackle world-scale problems.  We deliver cutting-edge programmes and ground-breaking research that transform individuals, organisations, business practice, and society.  We seek to be a world-class business school community, embedded in a world-class university, tackling word-scale problems.

Our online campus enables you to engage and interact with a global cohort of like-minded professionals and innovators.  <a href="http://www.sbs.oxford.edu/online">www.sbs.oxford.edu/online</a>