Toronto-based financial technology (fintech) start-up Koho Financial Inc. (Koho) offered millennial consumers a new way to manage their money with no fees. Koho challenged traditional banking institutions by providing typical banking services digitally. In November 2019, the company had recently secured its series B funding round, bringing the total amount raised to US$57.5 million. Now, with expectations from its investors and growing competition, Koho had to develop new strategies to ensure its leading position. Should Koho continue competing directly with traditional banks, or should the company invest in new technologies and compete with other fintech start-ups? How could Koho acquire more customers? How would the changing fintech regulatory environment affect Koho’s strategy?
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