Fidor Bank has defined a completely new banking business model for digitally-savvy consumers and business customers. First launched in 2007, the Fidor Community has become one of the most active financial communities in Germany, where more than 275 000 users engage in community discussions around the clock. The value of the case is that a new business model is much more important than the software / technology to develop a new competitive force in a traditional industry. A community-based model is a powerful OI tool to implement a new business model.