Vittas International is a Fintech company founded in 2019 with the goal to bring transparency to the lending ecosystem in Nigeria by providing lenders with a tool to better assess the credit risk of potential borrowers. To effectively accomplish this goal, Vittas wanted to learn from global competitor(s) and other adjacent financial services companies that have succeeded and failed in similar technology-driven endeavors. The project scope included conducting a competitive analysis of Fintech products and business models and providing Vittas with insights and recommendations. To overcome challenges related to raising capital for debt financing, Vittas wants to set-up a digital bank. The project scope included identifying the process of setting-up a digital bank and developing an implementation plan for Vittas.