apidays LIVE India 2022: Accelerating India’s digitisation with APIs May 11 & 12, 2022 Powering India's lending and BNPL boom with APIs Aishwarya Jaishankar, Co-founder at Hyperface Technologies ------------ Check out our conferences at https://www.apidays.global/ Do you want to sponsor or talk at one of our conferences? https://apidays.typeform.com/to/ILJeAaV8 Learn more on APIscene, the global media made by the community for the community: https://www.apiscene.io Explore the API ecosystem with the API Landscape: https://apilandscape.apiscene.io/ Deep dive into the API industry with our reports: https://www.apidays.global/industry-reports/ Subscribe to our global newsletter: https://apidays.typeform.com/to/i1MPEW

1. Powering the PayLater boom -
Deconstructing API based
lending
Presented by
Aishwarya Jaishankar
Co-Founder, Hyperface.co

2. 2022 SERIES OF EVENTS
New York
JULY
(HYBRID)
Australia
SEPTEMBER
(HYBRID)
Singapore
APRIL
(VIRTUAL)
Helsinki & North
MARCH
(VIRTUAL)
Paris
DECEMBER
(HYBRID)
London
OCTOBER
(HYBRID)
Hong Kong
AUGUST
(VIRTUAL)
JUNE (VIRTUAL)
India
MAY
(VIRTUAL)
APRIL (VIRTUAL)
Dubai & Middle East
JUNE
(VIRTUAL)
Check out our API Conferences
www.a pida ys .globa l
Want to talk at one of our conferences?
apidays.typeform.com/to/ILJeAaV8

3. A day checking out in Indian apps

4. Offline isnt too different!

5. Multiple form factors
Offline, discovery platforms, checkout pay, EMI card, Paylater on prepaid, Ecomm branded paylater

6. The (Digital) Credit Story.
Retail Loan growth at a CAGR
of 47% - STPL at 50%*
81.2% of STPL & 75.8% of
Consumer durable loans from
NBFCs*
Source - How India Lends 2021, CRF highMark
100-110 million customers
using ecommerce - Statista
Paylater on Ecomm at 3% in
2021, to go up to 14%- Benori
Knowledge, ET
India has 72 Million Credit cards vs
900+ Million Debit cards!

7. Factors aiding growth of paylater
Younger population
Low credit card penetration
DIgitally Savvy customers
Uptick of digital payment penetration
Ease of digital KYC

8. A Typical Lending Lifecycle
Underwriting
KYC & IDV
Disbursement
Risk Management
Collections
05
01
02 03
04

9. Innovations across the board
Underwriting
Using alternate data
points to underwrite
Correlating data
sources
KYC & IDV
Real time
Disbursement
Use case led
End use restricted
Just in Time
Risk Management
During Transaction
Profile Management
Collections
Automated
Hard and Soft collections
05
01
02 03
04

10. Lending unbundled
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Credit stack as a service
(Ledger , billing, program
management)
Risk
management
as a service
Collections as a
service
KYC as a
service
Lender
Brand (Lending
service provider)

11. APIs across the board
Underwriting
As a service APIs
Bureau APIs
Alternate data firms
KYC & IDV
Verification APIs
KYC verification Program management &
disbursement
-Prepaid
-Direct Merchant APIs
- Direct Bank APIs
Risk Management
Profiling as a service
Authorisation as a service
Collections
Telecalling APIs
Automated collection tools
over APIs (UPI collect, Enach
Etc)
05
01
02 03
04

12. Key challenges
● Regulatory
○ Bureau reporting
○ Balance sheet management
● Customer ownership
● Customer protection
○ Servicing
○ Pricing safeguards
● Business challenges
○ Unit economics
○ Margin compression when rates increase
○ Increased hard collection costs

13. Thank you