University of Cincinnati Lindner College of Business

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RBC Mobile Wallet

Author(s): Nicole Haggerty, Binny Samuel, Ramasastry Chandrasekhar

Status: Published
Year: 2016
Publication Name: Ivey Publishing


In October 2012, the executive vice-president (EVP) at the Royal Bank of Canada (RBC), Canada's leading bank, faced managerial dilemmas with regard to the launch of a mobile wallet. RBC had developed a cloud-based application that differed from industry standard SIM card–based payment methods. The EVP was evaluating areas of contrast between the two models as part of arriving at a decision. There was likelihood that the cloud solution was disruptive. But would it become the dominant solution? Would it give RBC a first-mover advantage among its peers?


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