┌─────────────────────────────────────────────────────────────────────────────┐
│                    FINTECH PARTNERSHIP MATURITY MODEL                     │
├─────────────────────────────────────────────────────────────────────────────┤
│                                                                             │
│  Level 1           Level 2           Level 3           Level 4             │
│  ┌─────────┐      ┌─────────┐      ┌─────────┐      ┌─────────┐          │
│  │ Ad-hoc  │      │ Managed │      │ Strategic│     │ Ecosystem│         │
│  │         │ ──→ │         │ ──→ │         │ ──→ │          │         │
│  └─────────┘      └─────────┘      └─────────┘      └─────────┘          │
│                                                                             │
│  • One-off      • Structured    • Integrated    • Integrated              │
│  • Limited      • Framework     • Long-term     • Ecosystem               │
│  • Reactive     • Proactive     • Strategic      • Leadership              │
│                                                                             │
└─────────────────────────────────────────────────────────────────────────────┘

┌─────────────────────────────────────────────────────────────────────────────┐
│                    INNOVATION ECOSYSTEM                                   │
├─────────────────────────────────────────────────────────────────────────────┤
│                                                                             │
│  ┌──────────────────────────────────────────────────────────────────────┐   │
│  │                    CORE BANK                                         │   │
│  │  (Bank infrastructure, customer base, licences)                     │   │
│  └──────────────────────────────────────────────────────────────────────┘   │
│                                    │                                        │
│  ┌──────────────────────────────────────────────────────────────────────┐   │
│  │                    FINTECHS                                          │   │
│  │  (Innovative technology, agile development, specialised talent)     │   │
│  └──────────────────────────────────────────────────────────────────────┘   │
│                                    │                                        │
│  ┌──────────────────────────────────────────────────────────────────────┐   │
│  │                    TECH PARTNERS                                    │   │
│  │  (Cloud providers, data providers, security)                       │   │
│  └──────────────────────────────────────────────────────────────────────┘   │
│                                    │                                        │
│  ┌──────────────────────────────────────────────────────────────────────┐   │
│  │                    ACADEMIA                                         │   │
│  │  (Research, talent, innovation)                                    │   │
│  └──────────────────────────────────────────────────────────────────────┘   │
│                                    │                                        │
│  ┌──────────────────────────────────────────────────────────────────────┐   │
│  │                    REGULATORS                                      │   │
│  │  (Guidance, sandboxes, policy)                                     │   │
│  └──────────────────────────────────────────────────────────────────────┘   │
│                                    │                                        │
│  ┌──────────────────────────────────────────────────────────────────────┐   │
│  │                    INVESTORS                                        │   │
│  │  (Venture capital, corporate VC)                                   │   │
│  └──────────────────────────────────────────────────────────────────────┘   │
│                                                                             │
└─────────────────────────────────────────────────────────────────────────────┘

# ===================================================================
# MODULE 7, LESSON 8: FINTECH PARTNERSHIPS AND INNOVATION ECOSYSTEMS
# ===================================================================

import pandas as pd
import numpy as np
import matplotlib.pyplot as plt
import seaborn as sns
from datetime import datetime, timedelta
import warnings
warnings.filterwarnings('ignore')

print("="*70)
print("FINTECH PARTNERSHIPS AND INNOVATION ECOSYSTEMS")
print("="*70)

# ----------------------------------------------------------------
# PART A: PARTNERSHIP PORTFOLIO
# ----------------------------------------------------------------

print("\n" + "-"*60)
print("PART A: Partnership Portfolio")
print("-"*60)

# Define partnership portfolio
partnerships = pd.DataFrame({
    'Partner': [
        'FinTech A', 'FinTech B', 'FinTech C', 'FinTech D',
        'FinTech E', 'FinTech F', 'FinTech G', 'FinTech H'
    ],
    'Type': [
        'Strategic', 'API', 'Investment', 'Accelerator',
        'API', 'Strategic', 'Investment', 'Accelerator'
    ],
    'Focus': [
        'Payments', 'KYC', 'Lending', 'Wealth',
        'Insurance', 'Open Banking', 'AI', 'Blockchain'
    ],
    'Status': [
        'Active', 'Active', 'Active', 'Active',
        'Active', 'In Progress', 'Active', 'In Progress'
    ],
    'Partnership Duration': [
        '2 years', '1.5 years', '6 months', '8 months',
        '1 year', '3 months', '1 year', '4 months'
    ],
    'Revenue Impact': [
        'High', 'Medium', 'Medium', 'Low',
        'Low', 'High', 'Medium', 'Low'
    ],
    'Partner NPS': [75, 68, 82, 70, 65, 78, 72, 60]
})

print("Partnership Portfolio:")
print(partnerships.to_string(index=False))

# Visualise
fig, axes = plt.subplots(2, 2, figsize=(14, 10))

# Partnership Types
ax = axes[0, 0]
type_counts = partnerships['Type'].value_counts()
ax.pie(type_counts.values, labels=type_counts.index, autopct='%1.1f%%')
ax.set_title('Partnership Types')

# Focus Areas
ax = axes[0, 1]
focus_counts = partnerships['Focus'].value_counts()
ax.bar(focus_counts.index, focus_counts.values, color='teal', alpha=0.7)
ax.set_xlabel('Focus Area')
ax.set_ylabel('Count')
ax.set_title('Partnership Focus Areas')
ax.tick_params(axis='x', rotation=45)
ax.grid(True, alpha=0.3)

# Partner NPS
ax = axes[1, 0]
partnerships_sorted = partnerships.sort_values('Partner NPS', ascending=True)
colors = ['red' if nps < 50 else 'orange' if nps < 70 else 'green' for nps in partnerships_sorted['Partner NPS']]
ax.barh(partnerships_sorted['Partner'], partnerships_sorted['Partner NPS'], color=colors, alpha=0.7)
ax.set_xlabel('NPS')
ax.set_title('Partner NPS')
ax.axvline(x=70, color='green', linestyle='--', label='Target (70)')
ax.legend()
ax.grid(True, alpha=0.3)

# Revenue Impact by Type
ax = axes[1, 1]
impact_by_type = partnerships.groupby('Type')['Revenue Impact'].value_counts().unstack(fill_value=0)
impact_by_type.plot(kind='bar', stacked=True, ax=ax)
ax.set_xlabel('Partnership Type')
ax.set_ylabel('Count')
ax.set_title('Revenue Impact by Partnership Type')
ax.legend(loc='best')
ax.grid(True, alpha=0.3)

plt.tight_layout()
plt.savefig('partnership_portfolio.png', dpi=300, bbox_inches='tight')
plt.show()
print("Partnership portfolio visualisation saved as 'partnership_portfolio.png'")

# ----------------------------------------------------------------
# PART B: PARTNER EVALUATION MATRIX
# ----------------------------------------------------------------

print("\n" + "-"*60)
print("PART B: Partner Evaluation Matrix")
print("-"*60)

# Define evaluation criteria
criteria = ['Strategic Fit', 'Technology', 'Team', 'Financial Health', 
            'Customer Base', 'Regulatory Compliance', 'Cultural Fit']
weights = [0.25, 0.20, 0.15, 0.10, 0.10, 0.10, 0.10]

# Partner scores (1-10)
partner_scores = {
    'FinTech A': [9, 8, 7, 8, 9, 8, 7],
    'FinTech B': [7, 9, 8, 7, 6, 8, 7],
    'FinTech C': [8, 7, 9, 6, 7, 9, 8],
    'FinTech D': [6, 8, 7, 9, 8, 7, 6],
    'FinTech E': [7, 7, 6, 8, 9, 6, 7]
}

# Calculate weighted scores
evaluation_df = pd.DataFrame(partner_scores, index=criteria).T
evaluation_df['Weighted Score'] = evaluation_df.apply(
    lambda x: sum(x * weights), axis=1
).round(2)

print("Partner Evaluation Matrix:")
print(evaluation_df)

# Visualise
fig, ax = plt.subplots(figsize=(10, 6))
evaluation_df[criteria].plot(kind='bar', ax=ax)
ax.set_xlabel('Partner')
ax.set_ylabel('Score (1-10)')
ax.set_title('Partner Evaluation Scores')
ax.legend(loc='best')
ax.grid(True, alpha=0.3)
plt.tight_layout()
plt.savefig('partner_evaluation.png', dpi=300, bbox_inches='tight')
plt.show()
print("Partner evaluation visualisation saved as 'partner_evaluation.png'")

# ----------------------------------------------------------------
# PART C: INNOVATION ECOSYSTEM MAPPING
# ----------------------------------------------------------------

print("\n" + "-"*60)
print("PART C: Innovation Ecosystem Mapping")
print("-"*60)

ecosystem = {
    "1. Core Bank": {
        "Role": "Infrastructure, customer base, licences.",
        "Capabilities": ["Core banking", "Compliance", "Risk management"]
    },
    "2. Fintech Partners": {
        "Role": "Innovation, technology, agility.",
        "Examples": ["Payments", "Lending", "Wealth", "Insurance", "KYC"]
    },
    "3. Tech Partners": {
        "Role": "Technology infrastructure.",
        "Examples": ["Cloud providers", "Data providers", "Security providers"]
    },
    "4. Academia": {
        "Role": "Research, talent, innovation.",
        "Examples": ["Universities", "Research institutes"]
    },
    "5. Regulators": {
        "Role": "Guidance, sandboxes, policy.",
        "Examples": ["FCA", "MAS", "EBA"]
    },
    "6. Investors": {
        "Role": "Capital, expertise.",
        "Examples": ["Venture capital", "Corporate VC"]
    }
}

print("Innovation Ecosystem:")
for component, details in ecosystem.items():
    print(f"\n{component}:")
    print(f"  Role: {details['Role']}")
    if 'Capabilities' in details:
        print(f"  Capabilities: {', '.join(details['Capabilities'])}")
    if 'Examples' in details:
        print(f"  Examples: {', '.join(details['Examples'])}")

# ----------------------------------------------------------------
# PART D: PARTNERSHIP METRICS
# ----------------------------------------------------------------

print("\n" + "-"*60)
print("PART D: Partnership Metrics Dashboard")
print("-"*60)

partnership_metrics = pd.DataFrame({
    'Metric': [
        'Number of Active Partnerships',
        'Revenue from Partnerships',
        'New Customers via Partnerships',
        'Partnership NPS',
        'Time to Market (Months)',
        'Innovation Pipeline (New Products)',
        'Partner Retention Rate',
        'Ecosystem Engagement Score'
    ],
    'Current Value': [
        '8',
        '$25M',
        '15,000',
        '72',
        '5 months',
        '6',
        '85%',
        '72%'
    ],
    'Target Value': [
        '15+',
        '$50M+',
        '30,000+',
        '> 80',
        '< 4 months',
        '10+',
        '> 90%',
        '> 85%'
    ],
    'Status': ['🟡', '🟡', '🟡', '🟡', '🟡', '🟡', '🟡', '🟡']
})

print("Partnership Metrics Dashboard:")
print(partnership_metrics.to_string(index=False))

# ----------------------------------------------------------------
# PART E: PARTNERSHIP ROADMAP
# ----------------------------------------------------------------

print("\n" + "-"*60)
print("PART E: Partnership Roadmap")
print("-"*60)

roadmap = {
    "Phase 1 (0-6 months) – Foundation": {
        "Focus": "Build partnership foundation.",
        "Activities": [
            "Establish partnership framework.",
            "Identify strategic partners.",
            "Develop partnership evaluation criteria.",
            "Launch accelerator programme."
        ],
        "Success Metrics": ["5+ partnerships", "Accelerator launched"]
    },
    "Phase 2 (6-12 months) – Scale": {
        "Focus": "Scale partnership ecosystem.",
        "Activities": [
            "Expand partnership portfolio.",
            "Launch corporate venture programme.",
            "Build open innovation platform.",
            "Integrate partner APIs."
        ],
        "Success Metrics": ["10+ partnerships", "Revenue from partnerships > $50M"]
    },
    "Phase 3 (12-24 months) – Advanced": {
        "Focus": "Advanced partnership capabilities.",
        "Activities": [
            "Build global partnership ecosystem.",
            "Launch innovation lab.",
            "Establish industry partnerships.",
            "Achieve ecosystem leadership."
        ],
        "Success Metrics": ["20+ partnerships", "Ecosystem leadership"]
    },
    "Phase 4 (24+ months) – Leadership": {
        "Focus": "Industry-leading partnerships.",
        "Activities": [
            "Lead industry partnerships.",
            "Build global innovation ecosystem.",
            "Achieve partnership leadership.",
            "Continuous improvement."
        ],
        "Success Metrics": ["Industry-leading partnerships", "Continuous improvement"]
    }
}

for phase, details in roadmap.items():
    print(f"\n{phase}:")
    print(f"  Focus: {details['Focus']}")
    print("  Activities:")
    for activity in details['Activities']:
        print(f"    • {activity}")
    print("  Success Metrics:")
    for metric in details['Success Metrics']:
        print(f"    • {metric}")

# ----------------------------------------------------------------
# PART F: SUMMARY AND RECOMMENDATIONS
# ----------------------------------------------------------------

print("\n" + "="*70)
print("PART F: Summary and Recommendations")
print("="*70)

print("""
Fintech Partnerships and Innovation Ecosystems – Key Takeaways:

1. Fintech partnerships enable faster innovation and access to new technologies.
2. Partnership types: strategic, API, investment, accelerator, white-label.
3. Partner evaluation: strategic fit, technology, team, financial health, customer base, compliance, cultural fit.
4. Innovation ecosystem: core bank, fintechs, tech partners, academia, regulators, investors.
5. Ecosystem engagement: innovation lab, corporate venture, accelerator, partnerships, open APIs.
6. Key metrics: number of partnerships, revenue, customer acquisition, NPS, time to market.
7. Roadmap: foundation → scale → advanced → leadership.

Recommendations:
  - Establish a partnership framework and evaluation criteria.
  - Build a diverse partnership portfolio.
  - Invest in fintech partnerships and corporate venture.
  - Build an innovation ecosystem with multiple stakeholders.
  - Measure and track partnership performance.
  - Continuously evolve the partnership strategy.
""")

print("="*70)
print("END OF LESSON 8 – MODULE 7")
print("="*70)
print("END OF MODULE 7")
print("="*70)