In February 2017, Scotiabank’s vice-president of digital enablement was sitting in his office at Scotiabank’s Digital Factory in downtown Toronto. He was reflecting on his recent introduction to the financial technology (fintech) company Kabbage, and on how successfully the partnership was progressing. Scotiabank’s vice-president was considering what opportunities the bank should pursue next, specifically in the area of blockchain. The Scotiabank–Kabbage partnership provided a valuable guideline for future partnerships. At the partnership’s launch, the group head of Canadian banking at Scotiabank said that the partnership with Kabbage set “an example of how banks and fintechs are working together to provide customers with a better banking experience.” However, all partnerships did not work in the same way. How could Scotiabank devise an effective partnership strategy, considering the unique contexts in different sectors and geographic markets?
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