The document discusses three levels of maturity for financial technology (FinTech): the hygiene level, digital distribution level, and product creation level. The hygiene level involves internal automation to improve external customer convenience. The digital distribution level uses technologies like e-commerce and mobile apps to improve customer convenience and internal efficiency. The product creation level shifts the focus from technology-supported services to technology being the primary service, through innovations like peer-to-peer lending and mobile wallets. The key is convergence across different industries like financial services, telecom, and retail.

1. FinTech Maturity
Abhishek Rungta
Indus Net Technologies
2015-2017

2. THREE LEVELS OF MATURITY 2
Hygiene Level
Digital
Distribution
Level
Product
Creation
Level

3. » The Core Systems
» ERP / BPM / CRM / HRIS
» Internal Automation (within the
organization) leading to external
convenience (to the customer)
3HYGIENE LEVEL

4. » Distribution Efficiency
supporting the “Age of Instant
Gratification”
» E-Commerce / Mobile App / APIs /
Aggregators / Self-Service Tools / e-
CRM
» External Automation (for the customers)
bringing in convenience to customers
and Internal efficiency
4DIGITAL DISTRIBUTION LEVEL

5. » New Products, led by Technology. The focus
shifts from technology-supported-service to
technology-is-the-service
» Think of:
5PRODUCT CREATION LEVEL
 P2P lending
 Mobile Wallet / Point of Sale
 Protection, instead of underwriting risk
o Can we help someone avoid ill-health instead
of insuring ill health through analytics, robotic-
health-guidance, contextual risk-advisory, etc.

6. 6
KEY IS
CONVERGENCE Financial
Service
TelecomRetail

7. Any questions?
Abhishek Rungta
Indus Net Technologies
talash@indusnet.co.in
Mob: +91 98311 51614
Happy to partner, to create an amazing FinTech empowered world.
7THANKS!