The document discusses business disruptions that are currently happening and may happen in the future in India. It provides examples of industries that have already been disrupted, such as the world's largest retailer having no inventory, and taxi company owning no taxis. Emerging technologies are enabling new players to enter banking and payments. India is going digital rapidly, with digital transactions growing 50% and branch transactions declining. New fintech companies and regulatory changes are making payments and lending more accessible. Future disruptions may come from cloud computing, robotics, biometrics, and contactless payments.

1. Business Disruptions in India
By- Chitresh Jhawar
Burhanuddin Ratlamwala

2. FLOW OF PRESENTATION
• Meaning Of Business Disruption
• Existing Disrupted Industries
• On Going Business Disruption
• Future Business Disruptions

3. BUSINESS DISRUPTION
NEW MARKET
NEW SET OF CUSTOMERS EVENTUALLY DISRUPT
VALUE NETWORK

4. DISRUPTIONS WHICH
HAVE ALREADY HAPPENED

5. Worlds most valuable
retailer has no inventory

6. Worlds largest movie
house owns no cinema

7. Worlds largest
messaging company
has only 55 employees

8. World’s largest accommodation
provider owns no real estate

9. World’s largest taxi
company owns no taxi

10. BUSINESS DISRUPTION IN BANKING

11. MEGA TRENDS TRANSFORMING
BANKING INDUSTRY
INDIA GOING DIGITAL EMERGENCE OF NEXTGEN
PAYMENT PROVIDERS
FAVOURABLE REGULATORY
ENVIORNMENT

12. INDIA GOING DIGITAL

13. INDIA BECOMING A DIGITAL COUNTRY

14. TECHNOLOGY REVOLUTION
• Powerful processor
• Sustainable memory
• High Resolution camera
• Barcode scanning
• GPS geocoding
• NFC technologies
• E-commerce
• Social networking
• Banking apps
Practically most of the things

15. MASSIVE GROWTH IN DIGITAL TRANSACTION
• DIGITAL
TRANSACTION
GROWTH BY 50%
• BRANCH BASED
TRANSACTION
REDUCED BY 7%

16. EMERGENCE OF FINTECH COMPANIES

17. EMERGENCE OF NEXTGEN PAYMENT PROVIDERS
BANK LED TELECO LED
PREPAID/WALLET

18. E-COMM/TECH
PAYMENT BANKS

20. LENDING INNOVATIONS
SME LENDING
P2P LENDING
SMALL BANKS

21. SMALL AND MEDIUM-SIZED ENTERPRISES
LENDING
• Short-term loans to purchase inventory,
service new orders, or optimize cash cycles
 Capital is supplied in the form of bank
loans and overdrafts; leasing
and hire-purchase arrangements;
equity/corporate bond issues.
 Quick sign up for quick credit
 SMEs contribute 45 % to our GDP
as compared to 15 % by the corporate sector.
 Eg. Amadeus Advisors Pvt Ltd, Zen Lefin Pvt Ltd

22. P2P LENDING
• Lending money to individuals or businesses
unsecured personal loan
• Secured loans are sometimes offered through
collateral
• Crowd sourcing
• Transaction value of USD 416m* in 2016
• CAGR 2016-2020 of 61.2 %*
• Type- Equity and Reward
• Eg. RangDe.org, Milaap social ventures,
Kickstarter, ImpactGuru, Ketto.org * Source- Statista.com

23. SMALL BANKING
• Niche banks for small finance
• 100 crore capital
• To serve the rural market
• Example: Disha Microfin and
Ujjivan financial

24. FAVOURABLE REGULATORY
ENVIORNMENT

25. FAVOURABLE REGULATORY
ENVIORNMENT
• KYC relaxation for small transaction
• Exemption from two factor authentication
• Aadhar making KYC easier
• Unified Payment Interface
• Bharat Bill Payment System

26. SHAPING THE CONSUMER BEHAVIOUR

27. IMPACT ON THE ECONOMY
• New Opportunities
• NEW Market And New
Players
• Job creation
• Example: PayTM
• Loss of market share
• Public Debt
• Example: Air India
• Reduction in plastic
money
• Infrastructural shift
• Airtel can go places
where SBI cannot
• Digitization of existing
process
• Paradigm shift in
employment
• Reduction in Black
money

28. PROACTIVE APPROACH TO DEAL WITH DISRUPTION

29. COPING WITH DISRUPTION
GOVERNMENT REGULATIONS
• Payment Banking
• Crowd Funding
• Small Banks
Limitations on the services to
safeguard interest of existing banks
STRATEGIC PARTNERSHIP
• PayTM with other banks
• Share Technology by
a start up and bank
EXISTING BANKS
• HDFC Payzapp
• Going Digital
BIG PLAYERS
• Acquisition of small players
• Stakes in start ups
• Example : Nasper- Citrus Pay

30. FUTURE
DISRUPTIONS

31. CLOUD COMPUTING
• Cost saving and usage based billing
• Higher level of data protection, fault
tolerance and disaster recovery
• Allows new product development to move
forward without capital investment
• Reduction in energy consumption and
carbon footprint

32. ADVANCED ROBOTICS
• Automate current tasks and same
interaction as human
• Virtual workers
• Higher quality with improved
compliance/auditability
• Productivity boost will save up to 40% of the
time
• Processing cost will come down up to 80%
• Fast implementation of new processes

33. BIOMETRICS/IRIS
AUTHENTICATION
• Aadhaar – Game changer
• NTT Docomo has launched IRIS
recognizing smartphones
• The amount to install biometric
recognition in smartphone to come
down

34. FACIAL RECOGNITION &
VOICE BASED PAYMENT
• 10% search on Google was made
via voice in 2015
• No PIN or password required
• Allows aged and illiterate to access
and use easily
• Example:
- Alibaba- Facial recognition
- ING Netherlands- Voice
Recognition

35. CONTACTLESS PAYMENT
• Use of NFC or RIFD for transactions by
various cards or other devices
• No PIN or signature required resulting in
faster transactions
• MasterCard Canada observed 25% higher
spending by users through contactless cards
• Use of QR code technology by China

36. THANK YOU