FINT 2030BEF (Autumn 2025) Assignment
Weighting: 30% of final course score
Deadline: 10 October 2025
Word limit: 1000 words
Introduction
Micro Connect is a fintech platform connecting global capital with micro and small businesses through innovative revenue-sharing
products. In this assignment, you will analyze Micro Connect’s positioning, technology, and business model as explained by its
founder Charles Li in a specific interview. Your analysis must be grounded in the interview’s primary evidence, with precise
timestamps, and complemented, where appropriate, by properly cited external sources for context. Now watch the interview of
Micro Connect from: https://www.youtube.com/watch?v=XYKmIDO8l1c
Write a 1000-word report that is structured with the following 4 sections, each of which should contain about 250 words. For the
first 3 sections, all evidence and examples should be taken from the above interview transcript. Cite specific moments or statements
from Charles Li with the timestamp in the video where relevant. If you use other external sources, include appropriate citations and
references to acknowledge the sources of the information used.
Section 1: Company Profile and Market Positioning
• Company Overview: Briefly introduce Micro Connect, including its founding vision as explained by Charles Li, its core
services, and its target customer segment.
• Problem-Solution Fit: Based on the interview, identify the specific problems in traditional finance that Micro Connect
aims to solve. Describe how Micro Connect’s solution creates value for both businesses and investors.
• Hong Kong Ecosystem Context: Explain Micro Connect’s position within the Hong Kong and Greater China FinTech
sector, noting its unique features. If the transcript mentions competitors or contrasts with traditional incumbents, include
that. Note any reference to government initiatives or the broader financial ecosystem as applicable.
Section 2: Core Technology
• Identify the Core Technology: From the interview, identify the most important technological enabler for Micro Connect’s
business model.
• Explain the Application: Using details from the transcript, explain how Micro Connect leverages this technology to
deliver daily, transparent revenue data to investors and enable secure, automated cash flows. Avoid generic definitions;
focus on their specific implementation.
Section 3: Business Model and Disruption Analysis
• Disruptive Impact: Applying Clayton Christensen’s disruption theory, use examples from the interview to explain how
Micro Connect disrupts traditional financial services. Is it creating a new market or attacking incumbents from the low end?
Support your argument with evidence from Charles Li’s comments.
• Business Model Innovation: Identify and describe Micro Connect’s business model (e.g., platform for daily revenue
sharing contracts, asset-backed securities). Compare and contrast this with business models of traditional financial
institutions (such as banks or stock exchanges) as discussed in the transcript.
Section 4: Personal Reflection and Future Trajectory
• Personal Impact Statement: Reflect personally on how a service like Micro Connect could change the way you or people
in your community manage finances over the next five years. Explain with a concrete example.
• Future Outlook: Based on 2025 fintech trends in Hong Kong (such as Greater Bay Area integration, digital finance, or
financial inclusion), identify one major opportunity and one significant challenge for Micro Connect in the next three
years. Use reasoning from the interview and your own insights to justify your choices.
Submission Guidelines
1. Submit your report as a Word document to the OLE by 5pm on the due date.
2. Adhere to the 1000-word limit (excluding the cover page and references).
3. Use a standard font (e.g., Times New Roman or Arial) with 12-point size and 1.5 line spacing.
4. Use the APA style for references as specified in “Academic writing: Acknowledging your sources” posted on the OLE.
5. Include in-text timestamp citations for all quotations and paraphrases from the interview as interactive hyperlinks. For
each link, convert the timestamp to total seconds and replace TOTAL_SECONDS in the following URL:
https://youtu.be/XYKmIDO8l1c?si=FG0no5pOBRrhzMKm&t=TOTAL_SECONDS
Example: To cite 1:23, compute 1×60 + 23 = 83 seconds and use this clickable format in-text:
https://youtu.be/XYKmIDO8l1c?si=FG0no5pOBRrhzMKm&t=83
