A Little world is one of the fastest growing companies with a annual growth rate of 600%. The company has pioneered the concept of branch less banking by using mobile phone platform. The cost of operating a brank branch in India has now been reduced to 50$ per month. See the presentation and find out yourself how the concept works.
Mobile Money Agent Network Development in HaitiNetHopeOrg
The Payment Innovations working group welcomed Nick Lesher of Open Revolution (www.openrev.com) to speak with Cameron Peake of Mercy Corps (www.mercycorps.org) on their experiences with mobile money agent network development in Haiti. We examine how NGOs can play a role in the development of healthy and sustainable mobile money agent networks.
Key challenges on Digital Financial Services for MFIsSimon Priollaud
101 on Digital Financial services
Key challenges on Digital Financial Services, Mobile Banking, Branchless Banking, Agent Banking
Roadmap to enter the market
M-PESA is a mobile based transfer of money between customers, facilitated by network of retail agents. Kenya is the first country to have adopted M-PESA where the model witnessed huge success and is contributing big way in enabling financial inclusion in the country. Deployment of M-PESA in India can bring similar benefits as experienced in Kenya. Growing mobile penetration in rural areas would ensure that people are able to benefit from mobile based money transfer concept. Indian regulatory system has also been gearing up to allow technology benefits in enabling financial inclusion, developments are only at introductory stage.
Intersection of Microfinance, Agent Banking & Mobile Money in Africa for Fina...mFino Inc
mFino talks about the intersection of Microfinance, Agent Banking & Mobile Money for Financial Inclusion in Africa at the 4th Mobile Money Expo, Nigeria.
Global Landscape Study on P2G Payments: Summary of in-country consumer resear...CGAP
For this study on P2G (Person-to-government) payments, Rwanda was selected as a focus country given the potential reach and varied nature of two key initiatives: the IREMBO e-government platform and the Tap&Go smartcard for public bus transport. Digital payments for school fees and utility payments were also studied. Tap&Go is privately managed but offers P2G learnings for other countries where public transport is government-run.
The research sought to answer questions across three key areas:
1. How well did digital P2G payment solutions reach and address the needs of the financially excluded?
2. What were effective and sustainable business models between actors, and how were they set up?
3. How do current and planned solutions support and work with the evolving digital payments ecosystem in Rwanda?
A need for peer to-peer strong local authentication protocol (p2 pslap) in mo...IJNSA Journal
Mobile phones are considered to be the most common devices in history of humankind. They have involved
in financial transaction such as mobile banking and mobile payment, which include sensitive information.
Public key cryptography is the proven solution that can provide secure transaction at every point of
interaction in mobile banking value chain. This paper proposes a need for peer-to-peer Strong Local
Authentication Protocol (p2pSLAP) for Mobile Banking Transaction that implements a peer-to-peer
architecture to provide local authentication mechanism between the customer and the agent. It employs
public key infrastructure (PKI).
Alternative lending options have grown rapidly over the past 10 years. This deck offers an overview of digital credit and key takeaways from contexts around the world.
Attaching a Concept Note on a Payments-related Entrepreneurial Idea I had 4 years ago when I was in India. Although a lot has since changed, some trends forecast in the concept note have actually become reality - especially the emergence of Co-operative Banks as a crucial channel for reaching underbanked & unbanked population in the rural areas. Thus, the material may still be somewhat pertinent today. Opening it up for any entrepreneur or Entity interested in the Payments area, especially in India- with possible applications in other Emerging economies as well. Enjoy and feel free to re-use
2 billion people globally have no bank account, but 1 billion of them have a mobile phone. Markets for digital financial services are expanding worldwide.
Mobile Phone Banking Presentation at ChemonicsJohn Owens
This slideshow on private partnerships to facilitate mobile phone banking services for low-income households in the Philippines was presented at Chemonics International on January 30, 2009.
Mobile Money Agent Network Development in HaitiNetHopeOrg
The Payment Innovations working group welcomed Nick Lesher of Open Revolution (www.openrev.com) to speak with Cameron Peake of Mercy Corps (www.mercycorps.org) on their experiences with mobile money agent network development in Haiti. We examine how NGOs can play a role in the development of healthy and sustainable mobile money agent networks.
Key challenges on Digital Financial Services for MFIsSimon Priollaud
101 on Digital Financial services
Key challenges on Digital Financial Services, Mobile Banking, Branchless Banking, Agent Banking
Roadmap to enter the market
M-PESA is a mobile based transfer of money between customers, facilitated by network of retail agents. Kenya is the first country to have adopted M-PESA where the model witnessed huge success and is contributing big way in enabling financial inclusion in the country. Deployment of M-PESA in India can bring similar benefits as experienced in Kenya. Growing mobile penetration in rural areas would ensure that people are able to benefit from mobile based money transfer concept. Indian regulatory system has also been gearing up to allow technology benefits in enabling financial inclusion, developments are only at introductory stage.
Intersection of Microfinance, Agent Banking & Mobile Money in Africa for Fina...mFino Inc
mFino talks about the intersection of Microfinance, Agent Banking & Mobile Money for Financial Inclusion in Africa at the 4th Mobile Money Expo, Nigeria.
Global Landscape Study on P2G Payments: Summary of in-country consumer resear...CGAP
For this study on P2G (Person-to-government) payments, Rwanda was selected as a focus country given the potential reach and varied nature of two key initiatives: the IREMBO e-government platform and the Tap&Go smartcard for public bus transport. Digital payments for school fees and utility payments were also studied. Tap&Go is privately managed but offers P2G learnings for other countries where public transport is government-run.
The research sought to answer questions across three key areas:
1. How well did digital P2G payment solutions reach and address the needs of the financially excluded?
2. What were effective and sustainable business models between actors, and how were they set up?
3. How do current and planned solutions support and work with the evolving digital payments ecosystem in Rwanda?
A need for peer to-peer strong local authentication protocol (p2 pslap) in mo...IJNSA Journal
Mobile phones are considered to be the most common devices in history of humankind. They have involved
in financial transaction such as mobile banking and mobile payment, which include sensitive information.
Public key cryptography is the proven solution that can provide secure transaction at every point of
interaction in mobile banking value chain. This paper proposes a need for peer-to-peer Strong Local
Authentication Protocol (p2pSLAP) for Mobile Banking Transaction that implements a peer-to-peer
architecture to provide local authentication mechanism between the customer and the agent. It employs
public key infrastructure (PKI).
Alternative lending options have grown rapidly over the past 10 years. This deck offers an overview of digital credit and key takeaways from contexts around the world.
Attaching a Concept Note on a Payments-related Entrepreneurial Idea I had 4 years ago when I was in India. Although a lot has since changed, some trends forecast in the concept note have actually become reality - especially the emergence of Co-operative Banks as a crucial channel for reaching underbanked & unbanked population in the rural areas. Thus, the material may still be somewhat pertinent today. Opening it up for any entrepreneur or Entity interested in the Payments area, especially in India- with possible applications in other Emerging economies as well. Enjoy and feel free to re-use
2 billion people globally have no bank account, but 1 billion of them have a mobile phone. Markets for digital financial services are expanding worldwide.
Mobile Phone Banking Presentation at ChemonicsJohn Owens
This slideshow on private partnerships to facilitate mobile phone banking services for low-income households in the Philippines was presented at Chemonics International on January 30, 2009.
Sarah Rotman of CGAP was kind enough to present on the basics of branchless banking to NetHope's Payment Innovations Working Group in March 2012, which is open to all NetHope members. Please contact hamilton.mcnutt@nethope.org for more information.
Digital Banking for PSU banks in IndiaRohan Bharaj
This documents highlights the importance of Digital banking for PSU banks in India. In this digitally enhanced age, it is of utmost importance for PSU banks to be up to date with the latest technology.
The 10 most trusted non banking financial companies to watch in 2019 compressedMerry D'souza
Insights Success introduces "The 10 Most Trusted Non-Banking Financial Companies to Watch in 2019", in order to assist the business to choose the right companies.
Indian model of financial inclusion: Will Mobile Payments lead the future?TechvibesKnowledgeCenter
The thought paper aims at exploring the Indian model of financial inclusion vis-a-vis potential in mobile payments. The study falls back on the trends in Indian ICT story to pitch a case for use of mobile payments technology in RBI's drive to achieve financial inclusion.
Huge thanks to Mr. Kyung Yang Park, CEO Moca Pay (moca.co.kr), on being a guiding force during the course of this study.
Also, thank you Manu Gupta for being the sounding board. Your brutally honest comments have given this study its final shape.
- Anshuman Chaturvedi
Consultant, Founder, Techvibes Global Services
YoBank - Gen Z banking strategy (WIP) - Zohdi RizviZohdi Rizvi
YoBank - Gen Banking Strategy - Strategy Paper written for One of India's leading bank that is looking forward to target Students, and Youths for banking products.
Name of Bank in the presentation is intentionally kept as fictional.
The gROWING IMPORTANCE OF BANK AND FINTECH PARTNERSHIP.pdfKissht reviews
Banks know already that Kissht Chinese are all rumours and gossip and that platforms like Kissht can be their best strategic partners to embrace a focus on agility and developing an innovative mindset.
The gROWING IMPORTANCE OF BANK AND FINTECH PARTNERSHIP.pptxKissht reviews
Banks know already that Kissht Chinese are all rumours and gossip and that platforms like Kissht can be their best strategic partners to embrace a focus on agility and developing an innovative mindset.
The 10 best emerging fintech startups in 2018Merry D'souza
Fintech in India is a unique because it is young, growing rapidly, and is fuelled by a large market base. Insights Success "The 10 Best Emerging Fintech Startups in 2018", Our magazine journey begins with the Cover story; CASHe, which provide immediate short-term personal loans to young professionals based on their social profile, merit and earning potential using its proprietary algorithm-based machine learning platform.
FinTech will revolutionize investment banking in many ways. It uses innovation to dramatically increase efficiency and leverage advanced technologies like The Cloud and AI. As a result, investment institutions must adapt to technological advances to remain competitive.
The 10 Most Prominent BFSI Solution Providers In 2018 Merry D'souza
To bring out the companies which are consistently engaged in helping clients on simplifying their personal finance
requirements through adapting and implementing the highly capital intensive global technologies. We have come up
with the edition, “The 10 Most Prominent BFSI Solution Providers In 2018.”
The 10 Most Prominent BFSI Solution Providers In 2018Merry D'souza
To bring out the companies which are consistently engaged in helping clients on simplifying their personal finance requirements through adapting and implementing the highly capital intensive global technologies. We have come up with the edition, “The 10 Most Prominent BFSI Solution Providers In 2018.”
India's best micro finance companies to rely on..Merry D'souza
The latest issue of Insights Success, “India's Best Micro Finance Companies to Rely On” feature a few of the flourishing microfinance companies that not only help the consumers survive but have been empathetic & strong support throughout the pandemic to their consumers when the panic of losing income and missing loan repayment deadlines was high.
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
Scope Of Macroeconomics introduction and basic theories
Branchless banking
1. Harnessing the Power of Abundance via the Mobile Phone as an Ultra Versatile Rural PC Banking the Unbanked SANKALP AWARDS High Impact Category Additional Information Requirement Zero Microfinance and Savings Support Foundation | A Little World Sonjoy Mohanty | [email_address] | +919920142626
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3. The Opportunity The exclusion of a vast majority of Indian population gives a massive opportunity to scale and rapidly increase operations Sr. No Categories of Financial Inclusion Penetration Target in 3 years Market Size (Mn) 1 Social Security/Pension 20% 40 2 National Rural Employment Guarantee (“NREG”) 25% 90 3 Self Help Groups(Government and Bank Linked) 20% 35 4 Self Help Groups( MFI) 10% 25 5 Kisan Credit Cards 10% 55 6 Farmer Co-operatives and Federations 20% 20 7 Domestic Money Transfer/ Foreign Inward Remittances 15% 50 8 Scholarships to Students 15% 08 9 Third Party Collections ( MFIs, Insurance, FMCG, Other’s) 15% 90 10 General Purpose No Frills Accounts(Saving’s/Withdrawal’s) 15% 80 11 General Purpose Loan/Credit Accounts 15% 75
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8. Core Management Team Anurag Gupta (Founder and CTO, Director) [email_address] Anurag Gupta, 46, has been instrumental in the conceptualization of the ZERO platform for branchless banking, and in bringing key banks such as SBI and industry majors such as Nokia and NXP to support the implementation Financial Inclusion in villages. An Architect by education, Anurag is the founder of A Little World and Zero Microfinance and Savings Support Foundation – a not-for-profit Section 25 Company which today acts as a Business Correspondent to 22 banks in 21 States across India. Sonjoy Mohanty (CEO) [email_address] Sonjoy Mohanty, 45, an MBA from IIM, Lucknow and MA in Business Economics from Delhi University, has over 20 years of work experience handling Marketing, Sales, General Management, P&L and Board Responsibilities. Sonjoy was recently the Managing Director & CEO of Kerala Ayurveda Limited before joining ALW. Over last decade, Sonjoy held positions of the Chief Officer, Customer Acquisition and Relationship Centers at Bharti Airtel; Chief Marketing Officer, Bharti Televentures, Infotel Business; Chief Officer, Customer Acquisition and Retention, Escotel; and Director Marketing, Caltex (Chevron Texaco). Sonjoy started his career with Asian Paints. Rajesh Bahl (Director- Finance & Insurance) [email_address] Chartered Accountant, Rajesh has extensive experience in the field of finance and insurance. Prior to joining ALW, worked as Sr VP at Reliance Life incharge of strategic planning along with additional charge of administration and legal functions along with Finance. Prior to Reliance Life, Rajesh has worked at AIG as VP(Audit) and as Planning Analyst in Pepsi. .
9. Core Management Team Lokanath Panda (Head- Product Strategy, Director) [email_address] Lokanath started his career with software development in wireless telecom systems. He got involved with the entrepreneurial activities at A.Little.World in 2003. He co-founded mChek Inc., a mobile-to-mobile payment system. He later joined the financial inclusion initiative for implementation of an innovative mobile and biometric based payment system. Lokanath has a degree in Electrical Engineering from Sambalpur University. Sarika Bondre (Head - Operations and Systems, Director) sarika@alittleworld.com Sarika is an Electronics and Communications Engineer with 10 years of experience in Process management, operations management and project management. She was part of the SMARS (Smart Rupee System) project team at IIT-Bombay. At ALW, she has been the key resource for the implementation of the Financial Inclusion in villages. She managed operations for GO-Mumbai, the smartcard based mass transit project, mChek, the mobile to mobile payment system and the SBI-Tiny financial inclusion pilot. She heads the responsibilities of Key Account Management (SBI), Program Implementation (ZERO Mass Foundation), and Backend Operations. Defining and managing processes is her core skill. Shashank Choudhury (VP and Head- Banking Products) shashank@alittleworld.com Head of Banking Products at A Little World Shashank has worked with PNB, BoB and Axis Bank, with assignments in Rural Banking, Retail, Credit Management and International Trade and Forex before moving to Technology. From 2005 he was Vice President in Polaris Software Labs Limited at Mumbai, as Product Manager for Infrastructure Products contributing as Solution Architect for the top International banks. Anup Nayar (Chief Officer, Micro-Credit & Payments) [email_address] Anup has experience of over 17 years across industry verticals viz – Banking, Retail, Transaction processing, Telecom and Office Automation. Prior to joining ALW he has worked in Senior Management positions with Nortel, ICICI Bank, FSS and FINO. In his role as Chief Officer- Micro Credit and Payments, he would be responsible to lead the Micro-Credit initiative and also establish the footprint for varied Retail.