Financial Insights and Business Intelligence Assignment Sample

Insights and Business Intelligence Assignment Sample


The achievement of FinTech solutions might play a significant role to increase financial welfare of an organization under the shape of deliberate decision-making concerns. The present assignment will pay attention to critically explore the relational consequences of FinTech solutions that might support in the area of financing, investment, and operational decision-making on behalf of J Sainsbury Plc. Along with presenting valuable academic understanding to signify the support of FinTech solutions in the business aspect of Sainsbury, the report will also shed light on providing real business examples and evidence from other respective companies regarding the usage of FinTech solutions and relational advantages.

Support of FinTech solutions to J Sainsbury Plc


In the area of financing, J Sainsbury Plc can be extensively benefited with decision-making flexibility concerning the provision of innovative financial solutions to their potential consumers. It can eventually help the organisation to obtain distinct customer satisfaction based on flexible financing solutions covered with the feature of digitisation (Temelkov and GogovaSamonikov, 2018). J Sainsbury Plc can also be benefited with greater convenience in the provision of financial services to their potential consumers through Sainsbury Bank where increasing flexibility and efficiency can ensure enhanced customer service and revenue generation. Apart from that, the consideration of advanced FinTech solutions can also provide greater efficiency that might add a distinctive value to organisational brand recognition. Similar consequences can be assumed from the perspective of Sainsbury where the company might find distinct future opportunities of business growth under the lights of FinTech technological implementation. From this standpoint, it can be stated that the involvement of FinTech solutions can be recognised as a sequential parameter for developing customer relationships by offering them flexible financial services.

In terms of providing real examples of financing welfare through FinTech solutions, the context of a renowned global retail service provider Tesco can be considered. The company has been able to provide an emerging functionality namely pay by bank which is powered by MasterCard open banking connect service (Paris, 2020). The topmost concern of this service is to allow for flexible payments directly made from the current account under the lights of electronic payment options. This emerging technology release has ensured equal access to entire Tesco consumers associated with the services of Tesco Bank. It has been helping Tesco Bank by offering a simple and secure way of paying balance along with ensuring greater control of their finances for around 2.6 million credit card customers (Paris, 2020). The process has eventually been beneficial from the business perspective of Tesco. The company has been able to ensure profound growth of their brand image across the current operational market where is significant contribution is provided by the FinTech solutions in terms of improving consumer experience and thereby helping to enlarge their brand value. For evidence, it can be stated that Tesco was able to ensure USD 10.7 billion brand value across the global market during 2021. Advanced FinTech solution has eventually driven consumer satisfaction for Tesco to a large extent. It can also be assumed by notifying the generation of around 735 million GBP revenue for Tesco Bank’s financial services (Blazquez, 2021).

This real business evidence defines prolific application empowering financing attributes of Tesco with the help of potential FinTech solutions. Apart from that, it has been driving consumer satisfaction for Tesco Bank to a fair extent based on which the bank might obtain adequate opportunities for future growth.

Making investment decisions

In relation to investing decisions, FinTech plays a significant role in understanding how resources can be used at different levels of operation. From the context of Sainsbury through the help of FinTech, the organizational management department can certainly take advantage of the system and provide high-end security by using any form of payment gateways. As per the mentions of Qi and Xiao (2018), indulging Big Data, artificial intelligence, and machine learning have all been used to analyse investment possibilities, improve strategies, and limit risks. J Sainsbury has been utilising artificial intelligence information systems to execute activities that have previously needed human intelligence, through the usage of FinTech. AI has enabled the creation of software applications with cognitive and decision-making abilities that are equivalent to or better than those of humans (Liu, 2019). Text analytics and natural language processing, as well as Robo-advisory services are examples of investment management applications. Robo-advisory services essentially give investment solutions through online platforms and eliminate the need for direct engagement with financial advisers (Hommel and Bican, 2020). Such FinTech tools certainly guide an organisation to support their investment process and make effective use of data security.

On the other hand, the utilisation of advanced technologies like artificial intelligence and big data can be supportive for profoundly conceptualising market analytics. This attribute can highly benefit Sainsbury with adequate investment decisions with regards to comply with the current market demands and consumer requirements. The FinTech solutions with advanced technologies are eventually beneficial for efficiently evaluating the current market and industrial trends (Kou et al. 2021). As per this understanding, Sainsbury would be highly benefited with the consideration of property investment decisions undertaken by summarising the market saturation and demands. Successive forecast attributes can also be conceptualised with the implications of FinTech solutions based on which accurate investment decisions might take place.

The consequences of more efficient trading could be conceptualised by Sainsbury as a result of implementing FinTech solutions for their investment decisions. Innovative technologies and software applications can also play a supportive role to conceptualise greater access to market liquidity from the organisational perspective (Liu, 2019). Along with this, the attributes of comparatively reduced transaction expenditure and anonymity can also be suspected from the perspective of Sainsbury in case of implicating FinTech solutions for their investment options. This action can also put a profound step forward to signify distinctive competitive advantage and flexible investment decisions for Sainsbury.

Furthermore, from the context of Sainsbury’s, the company can also utilise distributed ledger technology (DLT) as the new form of digital finance recording where the company will also record, monitor and store every form of transactions of financial assets on a peer-to-peer (P2P) basis (Liu, 2019). For instance, Klarna, a Swedish FinTech start-up, has gone into partnership with a renowned fashion brand H&M in order to support their business operation with tech support that will increase customer retention and revenue. This investment cost about $20 million on behalf of which Klarna will integrate its effective digital payment technologies into both online and offline stores of H&M (Nicolle, 2018). As a result of this, potential consumers of the global retailer might be able to improve their experience while considering digital transaction within the traditional and digital stores of H&M. It can positively influence the organisational brand value to a large extent that can emerge as the most essential parameter to ensure competitive advantage on behalf of the company. For example, the global brand value generation of the organisation can be notified throughout recent times. The company is noticed to operate with USD 12.4 billion brand value over the globe (Statista, 2021). It reflects a subsequent contribution from the perspective of FinTech solutions that have developed customer experience on behalf of H&M that has added a greater value to their financial standings and brand growth. The prospects of FinTech solutions obtained through the partnership with Klarna eventually been significant from the perspective of increasing consumer satisfaction for the organisation. It can be highlighted by notifying 75% customer loyalty from the perspective of H&M (Comparably, 2021). Moreover, the company has been able to achieve fourth place for net promoter score in the market with the current market cap of $ 32.55 billion (Comparably, 2021).

Hence, from this aspect, it can be stated that investing in FinTech will help Sainsbury’s to increase their market structure and help them to grow their business in this rapidly changing world. Moreover, the attributes of improved brand value can also serve beneficially from the perspective of Sainsbury with adequate consumer attraction and thereby positively influencing their business growth in the future by depending on accurate investment decisions.

Making operational decisions

FinTech can have significant influence on J Sainsbury’s operational decision-making as the company. As a result, it would enable J Sainsbury to make judgments at their ease and support them in customer service and income generation, resulting in an improvement in corporate productivity (Ashta and Herrmann, 2021). Good operational choices, on the other hand, may help the organization minimize expenses in any department of the organization. FinTech has allowed physical and digital payment options to be combined into a single platform that centralizes many bank accounts or cards. J Sainsbury can gain profit from this capability as it would allow them to use more convenient transaction methods and reduce their total costs (Liu, 2019). Financial technology supports J Sainsbury in reducing the amount of time it takes to make operational financial choices.

On the other hand, consideration of innovative FinTech solutions is highly supportive to conceptualize extended operational efficiency that can drive user satisfaction to a large extent. From the operational perspective of Sainsbury, profound benefits can be notified with regards to the consideration of operational flexibility under the lights of digital transaction methods and others. It can profoundly improve consumer engagement and satisfaction from the organisational perspective as an integral part of ensuring future growth of financial feasibility (Sajtos and Tőrös, 2018). The improvement of customer satisfaction can also be highly beneficial behind the conceptualisation of extended customer retention. This prospect can be highly e beneficial for Sainsbury with the achievement of adequate competitive edge over the market rivals buy depending on prolific operational decisions.

For instance, several organisations have gone into merger and acquisition with FinTech organisations to make their operations and decision-making more fruitful and more effective to gain customer satisfaction. FinTech made the whole process of online transactions more convenient and uplifting for consumers as well as business. It also enables service to be more fluent and more effective by reducing the overall time of transaction and making it more relevant for both customers as well as service providers. In 2017, Amazon acquired a FinTech start-up named Pyfort and rebranded it as Amazon Payment Services (APS) that offered customers with secure payment options using global payment methods like Mastercard, Visa and others (Cbinsights, 2021). This FinTech service has mainly helped Amazon to reduce checkout friction and security solutions that has further reduced frauds and chargeback.

With the consideration of this merger and acquisition, Amazon has been widely benefited with the achievement of extended customer satisfaction and loyalty over the Global market. The consequences of operational flexibility have driven the organisation to experience increasing consumer engagement that has been eventually playing a leading role to enlarge their financial growth. As an example, it can be spotted that Amazon was able to emerge as the leading organisation in terms of experiencing increasing customer satisfaction (Kats, 2021). The reason behind this entitlement highlighted to found operational decision undertaken by Amazon that has eventually provided a positive influence to increase their sales within the holiday season. In this aspect, profound customer satisfaction can be suspected with regards to consider digital payment options while ordering products and services from Amazon through the online channels.

Hence, from this standpoint, it is evident that incorporating FinTech into business operations will improve productivity and service quality in Sainsbury with similar benefits as obtained by Amazon.


The overall assignment has highlighted valuable attributes of FinTech solutions in the area of financing, investment, and operational decision-making on behalf of J Sainsbury Plc. With the consideration of profound digitisation, the inclusion of FinTech solutions can increase strategic improvement along with analysing investment possibilities, provision of secured and flexible financial services for potential customers and others. The real business evidence of Tesco, H&M, and others has been outlined to support the inclusion of FinTech in the respective areas. The consideration of extended benefits achieved by the mentioned organisations highlight the positive implications of FinTech solutions that could play the role of service differentiated from the perspective of Sainsbury.


Ashta, A. and Herrmann, H., 2021. Artificial intelligence and FinTech: An overview of opportunities and risks for banking, investments, and microfinance. Strategic Change, 30(3), pp.211-222.

Blazquez, A., 2021. Financial breakdown of Tesco Bank in the United Kingdom (UK) in financial year 2020/21. [Online]. Available at: <> [Accessed 25 December 2021]

Cbinsights, 2021. Everything You Need To Know About What Amazon Is Doing In Financial Services. [Online]. Available at: <> [Accessed 28 November 2021]

Comparably, 2021. H&M is ranked #35 in Retail Brands [Online]. Available at: <> [Accessed 25 December 2021]

Hommel, K. and Bican, P.M., 2020. Digital Entrepreneurship in Finance: FinTechs and Funding Decision Criteria. Sustainability, 12(19), p.8035.

Kats, R., 2021. Amazon ranks No. 1 in customer satisfaction [Online]. Available at: <> [Accessed 25 December 2021]

Kou, G., Akdeniz, Ö.O., Dinçer, H. and Yüksel, S., 2021. Fintech investments in European banks: a hybrid IT2 fuzzy multidimensional decision-making approach. Financial Innovation7(1), pp.1-28.

Liu, C., 2019. Finance strategies for medium-sized enterprises: FinTech as the game changer. In Strategic Optimization of Medium-Sized Enterprises in the Global Market (pp. 162-184). IGI Global.

Liu, C., 2019. Finance strategies for medium-sized enterprises: FinTech as the game changer. In Strategic Optimization of Medium-Sized Enterprises in the Global Market (pp. 162-184). IGI Global.

Nicolle, E., 2018. H&M takes a $20m stake in FinTech start-up Klarna. [Online]. Available at: <> [Accessed 28 November 2021]

Paris, M., 2020. Tesco Bank introduces new payment technology. [Online]. Available at: <> [Accessed 28 November 2021]

Qi, Y. and Xiao, J., 2018. FinTech: AI powers financial services to improve people’s lives. Communications of the ACM, 61(11), pp.65-69.

Sajtos, P.F.D.P.P. and Tőrös, Á., 2018. Regulatory tools to encourage FinTech innovations: The innovation hub and regulatory sandbox in international practice. Financial and Economic Review, p.43.

Statista, 2021. H&M’s brand value worldwide from 2016 to 2021 [Online]. Available at: <> [Accessed 25 December 2021]

Temelkov, Z. and GogovaSamonikov, M., 2018. The need for FinTech companies as non-bank financing alternatives for sme in developing economies. International Journal of Information, Business and Management, 10(3), pp.25-33.


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