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• Case | HBS Case Collection | March 2019 (Revised May 2019)

  GENTERA: Facing the Digital Age

  Michael Chu and Carla Larangeira

  After long dominating Mexican microfinance, Compartamos Banco faces the emergence of fintech, just as for the first time its loan portfolio and clients have declined. Enrique Majós, CEO of GENTERA, the bank´s parent company, is keenly aware of the profound changes since the Compartamos IPO in April 2007, when it was valued at $1.5 billion and became the first bank wholly dedicated to microfinance to be quoted in a major stock exchange. Since then, the market has become intensely competitive, with both large established institutions and new entrants vying for the same customers. Simultaneously, the digital era has spawned fintech, threatening to disrupt Compartamos’ highly successful model but also providing opportunities for the bank to reshape it. While challenged to manage key innovation within a leading incumbent, Majós must consider whether to commit his team to a major cost reduction in the next few years to his board of directors at their next meeting at the end of the month.

  Keywords: Micro Finance; base of the pyramid; fintech; Microfinance; Disruption; Innovation and Management; Competitive Strategy; North America; Mexico;

  Citation:

  Chu, Michael, and Carla Larangeira. "GENTERA: Facing the Digital Age." Harvard Business School Case 319-092, March 2019. (Revised May 2019.)  View Details

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• Case | HBS Case Collection | March 2018 (Revised January 2019)

  Gilead Mexico

  Michael Chu and V. Kasturi Rangan

  With a breakthrough cure for Hepatitis C listing in the U.S. at $1,000/pill, Gilead must now solve the issue of making it available to patients across the world, much as it did for its blockbuster HIV/AIDS antiretrovirals. For Erik Musalem, the new general manager of Gilead Mexico, the challenge was complicated by operating in a middle-income country, where Gilead’s terms for more vulnerable nations did not apply. For all practical purposes, Musalem had only one customer for his company’s Hep C medicine: Mexico’s public health system and the National Pricing Commission that set prices annually for the entire sector. With no lack of priorities competing for the finite resources of the public health sector, Musalem’s charge was to devise the strategy that in the long run would maximize access to the cure in Mexico while protecting the financial strength of Gilead Sciences, Inc.

  Keywords: Health Care and Treatment; Price; Strategy; Management; Pharmaceutical Industry; Mexico;

  Citation:

  Chu, Michael, and V. Kasturi Rangan. "Gilead Mexico." Harvard Business School Case 318-111, March 2018. (Revised January 2019.)  View Details

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• Case | HBS Case Collection | March 2018 (Revised July 2018)

  GreenLight Biosciences: In Search of Impact Investment

  Michael Chu, Annelena Lobb and Joni Coughlin

  Greenlight Biosciences, a biotech company, is in search of impact investment for its next round of financing.

  Keywords: Investment; Environmental Sustainability; Financing and Loans; Biotechnology Industry;

  Citation:

  Chu, Michael, Annelena Lobb, and Joni Coughlin. "GreenLight Biosciences: In Search of Impact Investment." Harvard Business School Case 318-072, March 2018. (Revised July 2018.)  View Details

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