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Leveraging the Fintech Opportunities in India

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Leveraging the Fintech Opportunities in India January 2017 ` ` ` ` Leveraging ` ` ` the FinTech Opportunities in India Financial Foresights Editorial Team Contents Jyoti Vij [email protected] 1. PREFACE . 2 Anshuman Khanna 2. INDUSTRY INSIGHTS . 3 [email protected] n Leveraging FinTech: Digital Payments Gaining Ground in India . 5 Bhaskar Som, Country Head, India Ratings & Research Advisory Services Supriya Bagrawat Soumyajit Niyogi, Associate Director - Credit and Market Research, [email protected] India Ratings & Research Advisory Services n FinTechs in India: Drivers of Digital Banking? . 8 Amit Kumar Tripathi Dr. A. S. Ramasastri, Director, IDBRT [email protected] n The FinTech Revolution - Transforming Financial Services . 11 Kumar Abhishek, Founder & CEO, ToneTag n The New Sector on the Block. 13 About FICCI Mukesh Bubna, Founder & CEO, Monexo n Blockchain and FinTech: A Debate and a Promise. 15 FICCI is the voice of India's Varun Dua, Co-founder & CEO, Coverfox.com Devendra Rane, CTO and Co-founder, Coverfox.com business and industry. n In 2017, Can FinTech Make Everything About Money Easy? . 18 Established in 1927, it is Rajat Gandhi, Founder & CEO, Faircent.com India's oldest and largest n Path to the Ultimate FinTech Offering . 20 apex business organization. Jitendra Gupta, MD/Founder, Citrus Payment FICCI is in the forefront in Anurag Pandey, AVP, Product & Strategy, PayU India articulating the views and n The Evolving FinTech Landscape in India . 23 Gaurav Hinduja, Co-Founder & Managing Director, Capital Float concerns of industry. It n Taking on the Indian Financial Goliath - The story of the FinTech David . 27 services its members from the Harsh Vardhan Lunia, Co-Founder & CEO, Lendingkart Technologies Pvt. Ltd. Indian private and public n Emerging New Trends/Technologies in the Online Lending Space. 31 corporate sectors and Akshay Mehrotra, CEO, EarlySalary multinational companies, n Aadhaar Enabled Digital Process Transformation in Indian BFSI Sector. 33 drawing its strength from Sanket Nayak, Co-founder, Digio diverse regional chambers of n India Stack – Moment in the Sun for Indian Capital Markets . 36 Karthik Rangappa, Vice President – Education & Research Services, Zerodha commerce and industry n Cryptography: The Vault for Today's Banks. 38 across states, reaching out to Ankit Ratan, CEO, SIGNZY over 2,50,0000 companies. n FinTechs & Banks: Together Creating Value for Customer . 40 Amit Sachdev, Co-founder and CEO, CoinTribe n Leveraging the FinTech Opportunities in India . 42 Deepak Sharma, Chief Digital Officer, Kotak Mahindra Bank Ltd. Disclaimer n The Future of Personal Finance is Instant, Cashless, Paperless-and . 44 All rights reserved. The Presence-Less, The evolving FinTech Landscape of India. content of this publication Adhil Shetty, Founder & CEO, Bank Bazaar may not be reproduced in n Leveraging FinTech Opportunities in India . 47 whole or in part without the Bipin Preet Singh, Founder CEO & Director, Mobikwik consent of the publisher. The n FinTech-Making India a New Techno Banking Empire . 50 Manavjeet Singh, Founder and CEO, Rubique publication does not verify n Change is the New Normal . 52 any claim or other Ajay Srinivasan, Chief Executive - Financial Services, Aditya Birla Group information in any 3. FICCI'S DATA CENTRE. 55 advertisement and is not n responsible for product claim Equity Capital Markets. 57 & representation. n Mergers & Acquisitions . 60 n Debt Capital Markets . 62 Articles in the publication n represent personal views of Loan Markets . 64 the distinguished authors. n Project Finance . 66 FICCI does not accept any n Investment Banking Revenue . 68 claim for any view mentioned in the articles. Financial Foresights 1 Financial Foresights Editorial Team Contents Jyoti Vij [email protected] 1. PREFACE . 2 Anshuman Khanna 2. INDUSTRY INSIGHTS . 3 [email protected] n Leveraging FinTech: Digital Payments Gaining Ground in India . 5 Bhaskar Som, Country Head, India Ratings & Research Advisory Services Supriya Bagrawat Soumyajit Niyogi, Associate Director - Credit and Market Research, [email protected] India Ratings & Research Advisory Services n FinTechs in India: Drivers of Digital Banking? . 8 Amit Kumar Tripathi Dr. A. S. Ramasastri, Director, IDBRT [email protected] n The FinTech Revolution - Transforming Financial Services . 11 Kumar Abhishek, Founder & CEO, ToneTag n The New Sector on the Block. 13 About FICCI Mukesh Bubna, Founder & CEO, Monexo n Blockchain and FinTech: A Debate and a Promise. 15 FICCI is the voice of India's Varun Dua, Co-founder & CEO, Coverfox.com Devendra Rane, CTO and Co-founder, Coverfox.com business and industry. n In 2017, Can FinTech Make Everything About Money Easy? . 18 Established in 1927, it is Rajat Gandhi, Founder & CEO, Faircent.com India's oldest and largest n Path to the Ultimate FinTech Offering . 20 apex business organization. Jitendra Gupta, MD/Founder, Citrus Payment FICCI is in the forefront in Anurag Pandey, AVP, Product & Strategy, PayU India articulating the views and n The Evolving FinTech Landscape in India . 23 Gaurav Hinduja, Co-Founder & Managing Director, Capital Float concerns of industry. It n Taking on the Indian Financial Goliath - The story of the FinTech David . 27 services its members from the Harsh Vardhan Lunia, Co-Founder & CEO, Lendingkart Technologies Pvt. Ltd. Indian private and public n Emerging New Trends/Technologies in the Online Lending Space. 31 corporate sectors and Akshay Mehrotra, CEO, EarlySalary multinational companies, n Aadhaar Enabled Digital Process Transformation in Indian BFSI Sector. 33 drawing its strength from Sanket Nayak, Co-founder, Digio diverse regional chambers of n India Stack – Moment in the Sun for Indian Capital Markets . 36 Karthik Rangappa, Vice President – Education & Research Services, Zerodha commerce and industry n Cryptography: The Vault for Today's Banks. 38 across states, reaching out to Ankit Ratan, CEO, SIGNZY over 2,50,0000 companies. n FinTechs & Banks: Together Creating Value for Customer . 40 Amit Sachdev, Co-founder and CEO, CoinTribe n Leveraging the FinTech Opportunities in India . 42 Deepak Sharma, Chief Digital Officer, Kotak Mahindra Bank Ltd. Disclaimer n The Future of Personal Finance is Instant, Cashless, Paperless-and . 44 All rights reserved. The Presence-Less, The evolving FinTech Landscape of India. content of this publication Adhil Shetty, Founder & CEO, Bank Bazaar may not be reproduced in n Leveraging FinTech Opportunities in India . 47 whole or in part without the Bipin Preet Singh, Founder CEO & Director, Mobikwik consent of the publisher. The n FinTech-Making India a New Techno Banking Empire . 50 Manavjeet Singh, Founder and CEO, Rubique publication does not verify n Change is the New Normal . 52 any claim or other Ajay Srinivasan, Chief Executive - Financial Services, Aditya Birla Group information in any 3. FICCI'S DATA CENTRE. 55 advertisement and is not n responsible for product claim Equity Capital Markets. 57 & representation. n Mergers & Acquisitions . 60 n Debt Capital Markets . 62 Articles in the publication n represent personal views of Loan Markets . 64 the distinguished authors. n Project Finance . 66 FICCI does not accept any n Investment Banking Revenue . 68 claim for any view mentioned in the articles. Financial Foresights 1 Preface inancial Foresights, the flagship quarterly publication of FICCI's financial sector team, provides a platform to industry, policy makers and other stakeholders to exchange ideas and views on important financial Fsector developments in the country. The current issue of the publication focuses on the topic: 'Leveraging the FinTech Opportunities in India' and presents interesting propositions in the form of insightful write-ups contributed by both established and emerging players from the FinTech industry. Technology today is changing at a rapid pace. Its application is changing at an even faster pace. One sector where application of technology has disrupted the traditional industry is the financial sector. This application of technology to capture and process data in real time and offer solutions not seen before is transforming how financial business is done, how products and services are conceived and how consumers participate in the process. Financial technology — or FinTech — is ushering a transformation by reaching the unreached in a cost effective Industry Insights manner, with all time presence and least use of resources. This is forcing established financial sector players to evaluate their business models and think afresh on how to best serve the consumers who themselves are evolving at a fast pace. It is usually felt that FinTech is all about digitising money. Our contributors to this edition show that there is more to it and that FinTech is about monetising data. By reducing information asymmetry in the marketplace, FinTech is not only improving the ability to match investors, lenders and borrowers; but providing a more level playing field that allows retail investors to have greater participation in the market. Innovative financial services such as robo-advisory have the potential to extend financial advice beyond high net worth individuals and more sophisticated investors, to a wider cross-section of the investors. And the frictionless operation of FinTech innovations such as block-chain and digital currencies are generating new value streams not just in financial services but across the economy. As you go through the pages of our latest edition, you would agree that India is poised
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