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Published by:
INSEAD (2020)
Revision date:
10 pages
Data source:
Field research
The essential case appendixes are currently only available in French - F316-0167-4.

Check out the short video trailer for a quick case synopsis.
Compte Nickel


The case explains how the French fintech Compte-Nickel found a blue ocean in the crowded French retail banking sector by identifying noncustomers and developing a strategy to attract them. Traditional banks focused on developing financial technology to make their offerings more appealing, whereas the fintech Compte-Nickel created a blue ocean by looking at the non-customers the other banks ignored: low income earners and people facing financial exclusion. This case comes with lecture slides, and a two-part exclusive video interview with Hugues Le Bret, CEO of the fintech Compte-Nickel for educators (link in ‘Extra information’ section).


Commercial banks; Finance; Entrepreneurship; Start-ups; Blue Ocean Strategy; Fintech; France; Banking; French retail bank
Other setting(s):
2014 - 2016

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