To conduct the study, we identified use cases and scenarios. At first, we agreed on “mobility” as our use case and defined related scenarios. We realized that the research might gain in insights if we had a second use case. In this spirit, we decided to develop scenarios around real estate. Scenario are a set of fictional services that can be delivered through a digital platform. For each use case, three scenarios were defined and extended progressively from the circle of legitimacy of a traditional banking institution. Therefore, the first scenario proposed traditional services on a restrictive financial perimeter, the second one extended the perimeter (e.g. for mobility, we do not limit the study to new vehicle market but also consider second hand solutions) and the last one is the most disruptive and tends to cover all aspects of a given use case. Use cases and related scenarios have been presented to 3 groups of people. For each group, we asked what their feelings are if the set of services, described in the scenario, is proposed by a traditional bank (group 1), a fintech company (group 2) and a tech giants (group 3).
