This document provides an overview of careers in the fintech space in India with a global view. It discusses the speaker's background and experience in fields including IT engineering, banking, FMCG sales, and fintech. It then covers several topics within fintech including banking evolution, top banks in India, key fintech trends and sectors, lending, neo-banking, emerging roles in areas like sales, product, and data/operations. For each section, it provides brief descriptions and references for further reading. The goal is to give the audience a high-level perspective on opportunities within the growing fintech industry in India.
Role of Financial Technology in Banking. This ppt describes the impact of Fintech in Banking and the new technologies that are disrupting the banking and financial services. This also includes the need for innovation in the banking sector. Fintech i.e. Financial technology plays an important role in the banking sector. Retail banking, financial technology, Fintech, innovations, Technologies, Imoact of Fintech in banking.
Fintech and Transformation of the Financial Services IndustryRobin Teigland
Slides from our FinTech day as part of the Entrepreneurship & Innovation Concentration in the Stockholm School of Economics Exec MBA program in Stockholm, Sweden.
The presentation involves about Fintech industry, the technologies involved, various UPI's, regulators of Fintech Industry in India and Payment Sytstem in India
Use of Articificial Intelligence and technologies in providing financial services is what fintech does. Whether it is Payment gateway, insurance, banking, lending, stock trading, taxes.
How Fintech evolved over the years in the World and Indian Economy.
Indian Fintech Companies under different categories
Common Fintech practices adopted by Fintech Companies with better flexibility, convenience and accessibile financial products and services
Digital redefinition of banking banking transformationDraup
The increase in the number of digital use cases in the banking and financial services industry has led to the emergence of newer digital hotspots in the US. States such as Minnesota, North Carolina, Texas, and California have a high density of mature talent specializing in these digital cases. These digital use cases have also given rise to new hotspots in neighbouring states such as Iowa, Arizona, and Ohio. Bank of America, Wells Fargo, and JP Morgan Chase have capitalized on this rapid digitalization to create solutions in anti-money laundering, digital wealth management, information security, cloud technology.
Analysing the Digital Maturity of Top US Banks
The digital maturity of banks and financial institutions has been measured by their competency in innovation which includes their competitive intensity and growth potential and assessing their capabilities in terms of talent scalability and maturity of skills in new age technologies. By these parameters, firms such as Bank of America, Wells Fargo, Citi, and Capital One have identified as digital leaders while Union Bank, First Republic Bank, HSBC US have been relatively slower in the digital race.
Case-by-Case Analysis of Banking Transformation
Bank of America:
Bank of America has over 14 digital centres with over 76% of the digital talent based out of centres located in the US. The 4,000+ digital workforce is involved in functions such as app development, analytics, security, and cloud. Bank of America is one of the few leading banks looking to increase the digital capabilities of all its bank branches through interactive systems that need very little human intervention. Some branches are also fully automated equipped with an interactive teller machine and a video conferencing room.
Citi Group:
Citi is taking cues from its innovation labs that are involved in developing cutting-edge solutions such as beacons. The firm’s 3,500+ digital talent pool is predominantly based out of North America. The bank’s smart branches are equipped with interactive media walls that display local weather, stock information, and financial updates. Citi announced their partnership with Nasdaq which was formed to create payment systems that use DLT (Distributed Ledger Technology) to record payments.
Wells Fargo:
The firm’s large 7,500+ digital workforce is largely consolidated in the United States with sporadic distribution in India as well. The firm has 15 digital centres with only 2 of them located outside the US i.e. in Hyderabad, and Bengaluru. Over 28% of digital talent is involved in new-age solutions such as RPA, Blockchain, IoT and AI.
A primer on the Fintech market in India, with infographics on the market landscape, size and evolution paths. Includes estimates on penetration levels of digital banking and category specific growth expectations.
Role of Financial Technology in Banking. This ppt describes the impact of Fintech in Banking and the new technologies that are disrupting the banking and financial services. This also includes the need for innovation in the banking sector. Fintech i.e. Financial technology plays an important role in the banking sector. Retail banking, financial technology, Fintech, innovations, Technologies, Imoact of Fintech in banking.
Fintech and Transformation of the Financial Services IndustryRobin Teigland
Slides from our FinTech day as part of the Entrepreneurship & Innovation Concentration in the Stockholm School of Economics Exec MBA program in Stockholm, Sweden.
The presentation involves about Fintech industry, the technologies involved, various UPI's, regulators of Fintech Industry in India and Payment Sytstem in India
Use of Articificial Intelligence and technologies in providing financial services is what fintech does. Whether it is Payment gateway, insurance, banking, lending, stock trading, taxes.
How Fintech evolved over the years in the World and Indian Economy.
Indian Fintech Companies under different categories
Common Fintech practices adopted by Fintech Companies with better flexibility, convenience and accessibile financial products and services
Digital redefinition of banking banking transformationDraup
The increase in the number of digital use cases in the banking and financial services industry has led to the emergence of newer digital hotspots in the US. States such as Minnesota, North Carolina, Texas, and California have a high density of mature talent specializing in these digital cases. These digital use cases have also given rise to new hotspots in neighbouring states such as Iowa, Arizona, and Ohio. Bank of America, Wells Fargo, and JP Morgan Chase have capitalized on this rapid digitalization to create solutions in anti-money laundering, digital wealth management, information security, cloud technology.
Analysing the Digital Maturity of Top US Banks
The digital maturity of banks and financial institutions has been measured by their competency in innovation which includes their competitive intensity and growth potential and assessing their capabilities in terms of talent scalability and maturity of skills in new age technologies. By these parameters, firms such as Bank of America, Wells Fargo, Citi, and Capital One have identified as digital leaders while Union Bank, First Republic Bank, HSBC US have been relatively slower in the digital race.
Case-by-Case Analysis of Banking Transformation
Bank of America:
Bank of America has over 14 digital centres with over 76% of the digital talent based out of centres located in the US. The 4,000+ digital workforce is involved in functions such as app development, analytics, security, and cloud. Bank of America is one of the few leading banks looking to increase the digital capabilities of all its bank branches through interactive systems that need very little human intervention. Some branches are also fully automated equipped with an interactive teller machine and a video conferencing room.
Citi Group:
Citi is taking cues from its innovation labs that are involved in developing cutting-edge solutions such as beacons. The firm’s 3,500+ digital talent pool is predominantly based out of North America. The bank’s smart branches are equipped with interactive media walls that display local weather, stock information, and financial updates. Citi announced their partnership with Nasdaq which was formed to create payment systems that use DLT (Distributed Ledger Technology) to record payments.
Wells Fargo:
The firm’s large 7,500+ digital workforce is largely consolidated in the United States with sporadic distribution in India as well. The firm has 15 digital centres with only 2 of them located outside the US i.e. in Hyderabad, and Bengaluru. Over 28% of digital talent is involved in new-age solutions such as RPA, Blockchain, IoT and AI.
A primer on the Fintech market in India, with infographics on the market landscape, size and evolution paths. Includes estimates on penetration levels of digital banking and category specific growth expectations.
The banking and financial services industry is undergoing a period of unprecedented disruption, which is re-shaping the competitive landscape.
Criterium Group believes we’re experiencing a fundamental change in how people manage, save and spend their money –which means banks and credit unions will need to re-imagine how they deliver value to customers and members.
We’re experiencing a disintegration of the financial industry. But disruption is exciting, not scary. As our relationship with money evolves, there are endless opportunities to delight customers and deliver value. However, competing in a digital age takes a completely different approach.
Criterium Group has considered the changing landscape from a competitive, financial, technological and operational perspective to re-design the traditional banking business model to win in a digital world.
Was recently invited to share my thoughts on fin-tech with the board of a top 5 bank in India. While Indian banks have several challenges, I was impressed by this board's disruption awareness and desire to embrace technological change. It was a good discussion. Here is an edited version of that presentation (removed a few non-public info slides).
This report summarizes how Innovative technologies are disrupting the financial industry and how organizations can leverage them to their advantage.
It is a must read for senior executives in banks and other financial service providers (FSPs).
From account opening to insurance underwriting to payments to peer-to-peer lending, FinTechs are innovating across areas and offering differentiated customer experience. India Fintech Ecosystem has been growing well over the last five years and many of these successful startups are now getting ready for international rollouts.
www.thedigitalfifth.com
The banking and financial services industry is undergoing a period of unprecedented disruption, which is re-shaping the competitive landscape.
Criterium Group believes we’re experiencing a fundamental change in how people manage, save and spend their money –which means banks and credit unions will need to re-imagine how they deliver value to customers and members.
We’re experiencing a disintegration of the financial industry. But disruption is exciting, not scary. As our relationship with money evolves, there are endless opportunities to delight customers and deliver value. However, competing in a digital age takes a completely different approach.
Criterium Group has considered the changing landscape from a competitive, financial, technological and operational perspective to re-design the traditional banking business model to win in a digital world.
Was recently invited to share my thoughts on fin-tech with the board of a top 5 bank in India. While Indian banks have several challenges, I was impressed by this board's disruption awareness and desire to embrace technological change. It was a good discussion. Here is an edited version of that presentation (removed a few non-public info slides).
This report summarizes how Innovative technologies are disrupting the financial industry and how organizations can leverage them to their advantage.
It is a must read for senior executives in banks and other financial service providers (FSPs).
From account opening to insurance underwriting to payments to peer-to-peer lending, FinTechs are innovating across areas and offering differentiated customer experience. India Fintech Ecosystem has been growing well over the last five years and many of these successful startups are now getting ready for international rollouts.
www.thedigitalfifth.com
Alternative Data: Transforming SME FinanceJohn Owens
This presentation summarizes the IFC/World Bank/G20 GPFI report on the landscape of alternative data and players that are expanding access to SME finance. This presentation was prepared jointly with the effort of my co-author Lisa Wilhelm. The complete report can be downloaded at https://www.smefinanceforum.org/post/alternative-data-transforming-sme-finance
0601035 retail banking front office management activitySupa Buoy
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An introduction to the fintech space, with additional information on the wealth management space. This presentation was made for my team so that they would better understand the industry they are working in and where it is headed.
REVOLUTION OF DIGITAL FINANCE IN INDIA – TRENDS &CHALLENGESIAEME Publication
Digital is an unstoppable force that is redefining the financial services sector. Those institutions that know instantly what their customers and employees want can stay one step ahead of competitors. Thinking about digital strategically, and working with partners that can deliver innovation, will be key factors in long-term success. Financial services industry as a driver of economic growth. Deep capital markets and strong financial institutions give consumers easy ways to save, invest, borrow and plan for their future. Enterprises and small businesses, in turn, depend on financial institutions to raise capital for growth, efficiency, and infrastructure expansion. This cycle of saving, investing and lending is crucial foremerging economies like India to sustain economic growth. The government and the RBI whohave been experimenting with various initiatives, including Jan Dhan Yojana, creation of payment banks, and Rupay to enable domestic card payments systems among other initiatives. But policy alone cannot deliver the promise of financial inclusion. Technology-ledinnovation in financial services is needed to enable rapid, large-scale, and positive change. For the growth of any country’s economy various sectors play a very important role. In the Indian economic growth banking sector is the most important aspects. Banking sector become the backbone of Indian economy. Any changes regarding technology or other aspects directly impact the growth of the economy. With the change in technology various changes occur in banking sector. Now more of customers are educated. They don’t want to stand in queue for various activities like: Make payments, Deposit Cheque, Open bank accounts, Deposit Cheque and many more. With the change in time now digital banking introduced and it proves a star for the banking sector. Today’s era accepts this digital banking concept very easily and in a short time period it become more demanded mode of transaction in the market. In this paper we analyses the concept of digital finance. How it effects the human life. The research is based on secondary data. The concept of digital finance in banking industry brings numerous opportunities. But with every benefits some risk also introduced. And this digital banking also come with some risk.
A Descriptive Study on Trends in Indian Banking Sectorijtsrd
Banking sector assumes an essential job in the improvement of one nations economy. The development of the banking segment relies on the administrations given by them to the clients in different viewpoints. The developing pattern of banking administrations is discovered huge after the new financial changes in India. Today, India has a genuinely very much created financial framework with various classes of banks open part banks, outside banks, private area banks both old and new age, local country banks and co employable manages an account with the Reserve Bank of India as the wellspring Head of the framework. These days the banking area goes about as a spine of Indian economy which reflects as a supporter during the time of blast and subsidence. From 1991 different patterns and improvements in the banking division are credited. It likewise mirrors the different changes were caused to improve their administrations to fulfill the clients. S. Lyrics Miruna "A Descriptive Study on Trends in Indian Banking Sector" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-3 | Issue-5 , August 2019, URL: https://www.ijtsrd.com/papers/ijtsrd25234.pdfPaper URL: https://www.ijtsrd.com/management/other/25234/a-descriptive-study-on-trends-in-indian-banking-sector/s-lyrics-miruna
While traditional banks contend with inflexible legacy IT systems, the transformational ones deploy Agile methods to significantly reduce their time to value and make the organization more flexible as a whole.
Transformation is difficult and digital transformation is even harder.
Welcome to The Business Fame’s exclusive issue; "2020’s Leading Fintech Companies to Watch" here we have highlighted some companies whose efforts for innovations in FinTech industry is growing very fast with its simple and convenient solutions.
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3.0 Project 2_ Developing My Brand Identity Kit.pptxtanyjahb
A personal brand exploration presentation summarizes an individual's unique qualities and goals, covering strengths, values, passions, and target audience. It helps individuals understand what makes them stand out, their desired image, and how they aim to achieve it.
The world of search engine optimization (SEO) is buzzing with discussions after Google confirmed that around 2,500 leaked internal documents related to its Search feature are indeed authentic. The revelation has sparked significant concerns within the SEO community. The leaked documents were initially reported by SEO experts Rand Fishkin and Mike King, igniting widespread analysis and discourse. For More Info:- https://news.arihantwebtech.com/search-disrupted-googles-leaked-documents-rock-the-seo-world/
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Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
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1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
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Unveiling the Secrets How Does Generative AI Work.pdfSam H
At its core, generative artificial intelligence relies on the concept of generative models, which serve as engines that churn out entirely new data resembling their training data. It is like a sculptor who has studied so many forms found in nature and then uses this knowledge to create sculptures from his imagination that have never been seen before anywhere else. If taken to cyberspace, gans work almost the same way.
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Personal Brand Statement:
As an Army veteran dedicated to lifelong learning, I bring a disciplined, strategic mindset to my pursuits. I am constantly expanding my knowledge to innovate and lead effectively. My journey is driven by a commitment to excellence, and to make a meaningful impact in the world.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
2. Profile Snapshot– Btech and MBA, 9 years of total experience
IT Engineer, 2010
Undergrad
Core Developer
2010-2012
Amdocs
IIT,GATE, CAT
Exams
SGSITS Indore
Global Innovation Nominee
Most Entusiastic fresher award
99.1%ile CS Gate 2011
99.86%ile CAT, 99.98%ile in Maths
IIM Ahmedabad
2012-2014
MBA
Entrepreneurship, Strategy and Finance
Interned with Royal Bank of Scotland
2014-2015
Unilever
2015-2017
Paytm
2017-2019
TU CIBIL
Future Leadership Trainee –
Complete FMCG sales - Rural, Retail, Modern Trade with
GSKCH under Hindustan Unilever
Worked across allainces, product and strategy
Payments Bank, Wallets, Remittance
Solution Consultant for 7 Banks, dealt with CXOs & Heads
Managed banks books worth 400 Crores annually
Built the category from scratch to 15 Cr annual revenue
Dec 2019
PayPal
Enterprise Consultant with PayPal India
Education Work Experience
5. The word ‘bank’ is used in the sense of a
commercial bank. It is of Germanic origin though
some persons trace its origin to the French word
‘Banqui’ and the Italian word ‘Banca’. It referred to
a bench for keeping, lending, and exchanging of
money or coins in the market place by money
lenders and money changers.
Banking: The Evolution, Origin and Growth of Banking
Goldsmith-money- lender became a banker who started performing the two functions of modern banking
The first bank called the ‘Bank of Venice’ was established
in Venice, Italy in 1157 to finance the monarch in his wars.
There was no such word as ‘banking’ before 1640,
although the practice of safe-keeping and savings
flourished in the temple of Babylon as early as 2000 B.C.
Chanakya in his Arthashastra written in about 300 B.C.
mentioned about the existence of powerful guilds of
merchant bankers who received deposits, and advanced
loans and issued hundis (letters of transfer). The Jain
scriptures mention the names of two bankers who built
the famous Dilware Temples of Mount Abu during 1197
and 1247 A.D.
Reference: Link here
The next stage in the growth of banking was the
goldsmith. The business of goldsmith was such
that he had to take special precautions against
theft of gold and jewellery. If he seemed to be an
honest person, merchants in the neighbourhood
started leaving their bullion, money and
ornaments in his care.
The next stage in the growth of banking is the
moneylender. The goldsmith found that on an average the
withdrawals of coins were much less than the deposits
with him. So he started advancing the coins on loan by
charging interest.
1
2
3
4
5
9. Key trends and some numbers
India - A global FinTech Superpower
Reference: Link here
India has the highest FinTech adoption rate globally
India is amongst the fastest growing Fintech markets in the world. Of the 2,100+ FinTechs existing in India
today, over 67% have been setup in the last 5 years.
The Indian Fintech market is currently valued at $31 Bn and is expected to grow to $84 Bn by 2025, at a CAGR of 22%.
The Fintech transaction value size is set to grow from US$ 66 Bn in 2019 to US$ 138 Bn in 2023, at a CAGR of 20%.
A wide range of subsegments Payments, Lending, Wealth Technology (WealthTech), Personal Finance Management,
Insurance Technology (InsurTech), Regulation Technology (RegTech), etc.
The Indian Financial industry has seen cumulative investments into domestic FinTechs of more than $10 Bn since 2016.
As of May 2021, India’s United Payments Interface (UPI) has seen participation of 224 banks and recorded 2.6 billion
transactions worth ~$68 Bn representing a jump of 15x from just 3 years ago for the same period in 2018.
10. Basic block diagram
What is fintech?
Reference: Link here
Technology
Revamp
Money flow
New Services
New Products
New Processes
New Biz Models
Change or Improve
Disrupt
Apply IT
Create Ease
Increase Viability
11. India tops the chart at 4th Rank on the funding chart
Reference: Link here
Supply View
Drivers on Indian Fintech Market
14. •Driven by mobile wallets:
•More recent innovations including the
Payment Interface (UPI) platform,
have embraced the use of mobile
to-day transactions.
•Consumer awareness:
•Customers are visiting insurance
bank aggregator sites for comparison
•IPOs & Stock Market –
•Online stockbroking and investment
becoming increasingly popular
•Borrowing is also being transformed —
•“digital lenders” are providing
simpler, less–paper borrowing
leveraging alternate data as a credit
provide credit to non-traditional
Reference: Link here
Demand view
Drivers on Indian Fintech Market
25. Reference: Link here
1.Customer
experience:
1.Neobanks don’t offer novel banking services. Their services are similar to those of traditional banks,
but with a hyper-enhanced and personalised customer experience. Neobanks have significantly leaner
business models and superior technologies. Round-the-clock customer service supported by chatbots,
near real-time cross-border payments, and artificial intelligence (AI) and machine learning (ML)-enabled
automated accounting, budgeting and treasury services.
Automated
services:
Apart from providing primary banking services, neobanks offer automated and near real-time accounting
and reconciliation services
Transparency: Neobanks are transparent and strive to provide real-time notifications and explanations of any charges
and penalties incurred by the customer.
Easy-to-use
APIs:
Most neobanks provide easy-to-deploy and operate APIs to integrate banking into the accounting and
payment infrastructure.
Deep insights: Most neobanks provide dashboard solutions with highly enhanced interfaces and easy to understand
and valuable insights for services such as payments, payables and receivables, and bank statements.
It’s beneficial for businesses with significant expenditure and appropriate number of employees, to be
provided with such insights, reduce expenditure and boost productivity and revenue.
Who will win the race?
Neo Banking – Key differentiators
26. Digital banking Vs Neo Banking
New Banking – Pros & Cons
Reference: Link here
27. How does it fit into larger business schemes
Neo Banking – Nimble Architecture
Reference: Link here
30. Understanding through B2C mindset
Profiles being created in Fintech – B2C and B2B2C
Partner risk, Customer Experience, Dispute
CRM based selling – Push/Growth/Offer Marketing
Merchant onboarding, categorymanagers
32. CAC is the key
Customer Funnel – Result of effective Marketing, Sales and Operations
Offline/Sales
Online/Paid/Content
Word of Mouth
Alliances
Loyal/Repeat customer
Active Customer
Cutomer
Onboarding
Sales qualified leads
Visits Interested
leads
Data flow, basic information capture, the
resposne and engagmeent to be measurable
MIS, customer profiling, sales channel info, Basic
product information, lead info, category
Vertical level onboarding, KYC, pricing, legal, product
finalization, data flow to compliance, underwriting, risk, legal
Support infra, data flow to collections, debt management
module, profitability, risk filters, reminders, accounting, bureau
score cards
Upsell/Xsell, sales management, risk profiling, portfolio check,
triggers, customer success team, regulation, macro lending
rules
Profitability matrix, customer champion, allied services,
customer life cycle management, meta data for customer,
M
R
K
T
I
N
G
S
A
L
E
S
C
S
M
41. Must Have
Should Have
Could Have
Won’t Have
Existing Product Competition
Pain points we are solving
while scaling
What worked Best!!
Seamless onboarding
Satisfaction/Extra Robustness
SMS/email notifications
Features which dint work at all
3rd Party offline KYC
Competitor’s edge
Sanction letter in one day
Mistakes done by Competition
STP for a high risk customer
Features to scale up (Moat)
Omnichannel repayment module
Best in class experience
Digital first onboarding
Good to have features
Industry specific pricing
Avoid bottle neck scenarios
Regulatory aspects hard coded
Creating a macro view of what features to have, keeping current product, competition and our vision in mind
Top of the mind features of
competition
Assisted Onboarding
Features to have better control
Monitoring or Regular bureau check
Features to have better control
Daily book report to lenders
How does a PM think
Delta Analysis before product launch
42. Broader steps to be followed
Product Execution Snapshot
Product marketing,
channel marketing
and acquisition
SMEs in the value chain
(identified verticals)
Must have features
Bandwidth allocation
Core MVP launch
Finalize the UI/UX &
Documentation
Customize verticals
Scaling up
Incorporate changes
Calibrate
Understand the
impacted modules
Backward Biz
Compatibility
Risk engine, Regulatory
nimbleness, Security &
Partner integrations
Measure the Impact
Recursively improve
while scaling up
STRATEGY
SYNC other processes/modules
PRODUCT CREATION
MEASURE & IMPROVE
Target Group
Business Objectives
Marketing
Biz KPI Platform KPI
Feedback
Processes
Cross Functional
Customer base by 15x
Volumes by 100x
Scale ensuring quality
Cost effective, transparent,
quick & secured
invoice-based lending
solution(s) for defined TG
Go live
Vision
47. Keeping growth under control
Support the increased traffic - KPIs to manage the scaled customer acquisition and retention
Customer Acquisition
Hunting
TECHNOLOGY & PROCESSES
Marketing KPIs
Channel KPIs
Budgeting KPIs
Onboarding Parameters
Information handling KPIs
Underwriting & Pricing
KPIs
Customer Retention
Farming
Experience KPIs
Engagement KPIs
(upsell/xsell)
Service KPIs
Load & Performance KPIs
INFRASTRUCTURE & Use of DATA
Loyalty KPIs
Business per MSME KPIs
Data Driven KPIs
Security & Fraud
• Lead Generation module to be refined for all channels
• Portfolio level loan book to be evaluated for each channel
• Cost of lead generation and churn are important metrices
• Process optimization and service would be the major focus after MVP success
• Xsell and Upsell opportunities to be identified, loan per SME per year to be
observed
• Strong collection efficiencies to avoid stress at book level
Acquisition Retention
