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Econsultancy’s 2017 Digital Trends report,
published in association with Adobe, is
based on a global survey of more than
14,000 digital marketing and ecommerce
professionals across EMEA, North American
and Asia Pacific markets.
The DestinationNEXT Futures Study identifies the trends and opportunities that will shape the future of our industry and takes place every other year.
The 2021 update to the DestinationNEXT Futures Study, built on the learnings from the 2014, 2017 and 2019 Futures Studies, helps determine updated trends and strategies that will keep the thousands of destination organizations around the world thriving and relevant.
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To get a copy of this presentation, share your views about the presentation with your email id in Comments section... I keep on updating my presentations and documents. To ensure that you don't miss any update or new upload don't forget to press the "FOLLOW" and "LIKE" button
The Road to Economic Development Marketing ReinventionAtlas Integrated
Metrics drive outcomes, and the best outcomes for economic developers are found using digital means. In economic development, digital is the ideal methodology for the foreseeable future, and the preferred platform for business decision makers and site selectors. Much of the success we’re seeing from EDOs stems directly from digital efforts.
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The Georgia Enterprise IT Strategic Plan 2020 is intended
to assist state government’s technology and business
leaders in making informed technology decisions for their
agencies. It establishes focus areas and goals for the state’s
IT enterprise over the next six years.
The plan does not replace the business-oriented plans
of individual state agencies. As a secondary planning
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technology with the direction established for the state’s
IT enterprise. Technologies highlighted in the plan can
be used by all state agencies regardless of their mission
or complexity.
The Georgia Enterprise IT Strategic Plan 2020 is intended
to assist state government’s technology and business
leaders in making informed technology decisions for their
agencies. It establishes focus areas and goals for the state’s
IT enterprise over the next six years.
The plan does not replace the business-oriented plans
of individual state agencies. As a secondary planning
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technology with the direction established for the state’s
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team is ready to scale up acquisition beyond these channels. Tala’s leadership would like to understand our strategy for building a brand and acquiring customers using cost efficient scalable channels in India. The leadership team has asked you to present an overview of different options and a recommendation of which to pursue, including a high-level project plan of how to execute the campaign and measure its success.
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1. WINTER INTERNSHIP PROGRAM
Trend Analysis of selected Mutual Funds for effective
recommendation in line with customer’s risk profile
RINSHI SINGH
DM17D38
MENTOR: ANIL CHANDNANI-DEPUTY GENERAL MANAGER (5nance.com)
Innovage Fintech Pvt. Ltd.
5nance.com
2. 1
Acknowledgement
The internship opportunity I had with Innovage Fintech Pvt. Ltd – 5nance.com was a great chance for
learning and professional development. Therefore, I consider myself as a very lucky individual as I was
provided with an opportunity to be a part of it.
I express my deepest thanks to Mr. Anil Chandnani for guiding and keeping me on correct path to carry
out my project during the training. I choose this moment to acknowledge his contribution gratefully.
I also like to express my gratitude towards Ms. Shweta mam my mentor in this internship to guide me in
difficulties and showing me the right path throughout the internship.
I perceive as this opportunity as a big milestone in my career development. I will strive to use gained skills
and knowledge in the best possible way,and I will continue to work on their improvement, in order to attain
desired career objectives.
Sincerely,
Rinshi Singh Signature
Roll No.: DM17D38
Place: Pune
Date:27-January-2018
3. 2
Contents
Project Synopsis................................................................................................................................3
About the Sector................................................................................................................................4
GDP Contribution..........................................................................................................................4
Growth Pattern of the Sector.........................................................................................................5
About the Company...........................................................................................................................6
About 5nance.com.........................................................................................................................6
Management Team: -.....................................................................................................................6
Packaged Offerings and their Products..........................................................................................7
Tax-max.....................................................................................................................................7
Goal planning.............................................................................................................................7
SIP-Systematic Investment Plan.................................................................................................8
Retirement Plan..........................................................................................................................9
Lump sum Investments..............................................................................................................9
First time Investments.............................................................................................................10
Equity......................................................................................................................................10
Loans.......................................................................................................................................10
Health Insurance......................................................................................................................11
Term Insurance .......................................................................................................................11
Project Methodology.......................................................................................................................12
Action Plan......................................................................................................................................13
Parameters for analyzing the ‘Risk Profile’ for individual customer ................................................13
Mutual Funds ..................................................................................................................................16
Introduction................................................................................................................................16
DSP Black Rock Natural Resources & New Energy Fund-Regular Plan.........................................17
Aditya Birla Sun Life Pure Value Fund .........................................................................................18
Mirae Asset Emerging Blue-chip - Regular Plan – Growth............................................................18
Axis Dynamic Bond Fund – Growth .............................................................................................19
Observations...................................................................................................................................20
Recommendations............................................................................................................................20
Learnings ........................................................................................................................................20
References: -....................................................................................................................................21
4. 3
Project Synopsis
Project Title Trend Analysis of selected Mutual Funds for effective recommendation in
line with customer’s risk profile
Company Name Innovage Fintech Pvt. Ltd/-5nance.com
Student Name Rinshi Singh
Roll No. DM17D38
Project Mentors Anil Chandnani-Asst. Deputy General Manager-5nance.com
Shweta Siddharth-Internal Mentor-PIBM
Duration of the Project 18th
Dec 2017-18th
Jan 2018
5. 4
About the Sector
Financial technology,also known as Fintech,is an industry composed of companies that use new
technology and innovation to leverage available resources in order to compete in the marketplace of
traditional financial institutions and intermediaries in the delivery of financial services. Financial
technology companies consist of both startups and established financial and technology companies trying
to replace or enhance the usage of financial services of incumbent companies.
Fintech is a portmanteau of financial technology that describes an emerging financial services sector in
the 21st century. Originally, the term applied to technology applied to the back-end of established
consumer and trade financial institutions. Since the end of the first decade of the 21st century, the term
has expanded to include any technological innovation in the financial sector,including innovations
in financial literacy and education, retail banking, investment and even crypto-currencies like bit coin.
GDP Contribution
The BCG-Google report is very optimistic about the usage of Fintech in India and noted, “over the last
five years, digital transactions have shown steady growth of 50 per cent Y-o-Y, followed by ATM
transactions growing at 15 per cent”.
A few specific forecasts from the study on the Indian digital payments industry is worth mentioning:
India’s digital payments industry will grow to $500 billion by 2020;
It will account for 15 per cent of the country’s GDP;
More than 50 per cent of India’s internet users will use digital payments by 2020;
The top 100 million users will drive 70 per cent of the gross merchandise value (GMV) for these
payments; and
India’s non-cash contribution (such as,cheque, demand drafts, net-banking, credit/debit cards,
mobile wallets and unified payments interface) in the consumer payments segment will double to
40 per cent by the year 2020.
15%
85%
GDP Contribution
Fintech sector
Others
6. 5
Growth Pattern of the Sector
Fintechservice firmsare currentlyredefiningthe waycompaniesandconsumersconducttransactionson
a dailybasis.Thisiswhyglobal investmentsintoFintechventureshave beenincreasingatrecordspeed –
triplingtoUS$ 12.2 billionin2014 from US$ 4.05 billionin2013, and reachingUS$ 19.1 billionin2015. In
India,the scale hasbeenmuchsmallerbutatsimilargrowthrates –investmentinIndia’sFintechindustry
grew 282 percent between 2013 and 2014, and reached US$ 450 million in 2015.
Additionally,Indiahasa large untappedmarketfor financial service technologystartups – 40 percentof
the populationare currentlynotconnectedtobanksand 87 percentof paymentsare made in cash.With
mobile usage expected to increase to 64 percent in 2018 from 53 percent currently, and internet
penetrationsteadilyclimbing,the growthpotential forFintechinIndiacannot be overstated.Moreover,
by some estimates, as much as 90 percent of small businesses are not linked to formal financial
institutions. These gaps in access to institutions and services offer important scope to develop Fintech
solutions (such as funding, finance management) and expand the market base.
258.26
983.85
3051.23
0
500
1000
1500
2000
2500
3000
3500
2013 2014 2015
RUPEES(INCR.)
Fintech investments in India
7. 6
About the Company
Innovage Fintech Private LimitedisaPrivate company incorporatedon24 July2010. It isclassified as
Non-GovernmentCompany andisregisteredatRegistrarof Companies,Mumbai.Itsauthorizedshare
capital is Rs. 5,000,000 and its paid up capital is Rs. 2,254,530. It isinvolvedinActivitiesauxiliaryto
financial intermediation,exceptinsurance andpension funding.[ThisGroupincludesactivitiesinvolved
inor closelyrelatedtofinancial inter-mediationotherthaninsurance andpensionfundingbutnot
themselves involvingfinancialinter-mediation].
Innovage FintechPvt.Ltd.ownsandoperatesanonline financialplanningandmanagementplatform.Its
servicesincludefinancial planningcalculator,wealthmanagementservices,financial planningservices
and solutions,financialplanningadvisoryservices,financialplanninganalysis,financialreporting
analysis,investmentportfoliomanagementservices,mutual fundsinvestment,andshortterm
investmentplans. The companyhasalreadyraised$3 millioninangel fundingfromaclutch of HNIs in
Dubai and PF FundsinEurope.
About 5nance.com
Financial techstart-upInnovage FintechPvt.Ltd, launchedaB2C platformwww.5nance.com whichis
one of the firstRoboadvisoryplatformsinthe countryto offerall itsservices,includingassetallocation,
exitandprofitbookingadvisoryservices,forfree toitscustomers.
The SEBI and AMFI registeredportal enablesconsumerstoplanandachieve theirfinancial andmoney
managementneeds overtheirentire lifecycle.
Since itslaunch,the portal has attracted 5,000 registeredusers,of which10 per centare seniorcitizens.
It isa consumeralignedbusinessmodelandnota product alignedone.Whileotherportalspushjust
one or two productslike mutual funds,insurance orequitiesatcustomers,itprovidesaone-stop,
productagnosticportal withdifferentclassesof products,whichconsumerscanchoose from.
The platformhas 38 principle partnersthatprovide all assetandliabilityproductsofferingsfor
consumersincludingmutual funds,corporate deposits, physical gold,bonds,loans,creditcards, direct
equities,insurance andtax filing.
Today,5nance.comtargets consumersinthe annual income bracketof ₹5 lakhsto ₹50 lakhs.
Plansare onto target consumersinthe annual income bracketof ₹50 lakhsto ₹2 crores whowill be
offeredinvestmentoptionsinglobal assetclassesaswell.
Management Team: -
Mr. Dinesh Rohira-Founder and Chief Executive Officer
Mr. Ajay Arjit Singh-Founder and Chief Business Architect
Mr. Smruti Kanta Mohanty-Co-Founder and Chief Technology Officer
Mr. Vivek Ghokhale-Co-Founder and Chief Operating Officer
Mr. Joseph Pulikkottil-Assistant Vice President of Product Engineering
Mr. Chintan Vora- Assistant Vice President of Product Engineering
8. 7
Packaged Offerings and their Products
Tax-max
Tax - max helpsyouto planyourtax and optimize the savingswithintegratedcapabilitiesof different
aspectsof personal financial managementatfree of cost. It providesyouwiththe platformtoinvestin
mutual fundsandopt for healthandlife insurance plans.Apartfromthis,tax-max assistsinmaintaining
the documentsonthe digital platformandremindsyouof the missingoneswhichcanbe uploaded
while filingreturnsinaclick.Thisisa comprehensiveonline platformwhichoffersyouthe convenience
of the real time monitoringof yourinvestmentsalongwiththe financialhand-holdingateveryrequired
step.
Goal planning
A goal is the first step that sets you on a path. It should be inspirational and based on your own values and
interests. What matters most to you? What are you willing to sacrifice in order to make it happen sooner?
What can help you stay the course?
9. 8
5nance provides a platform that would assist you to achieve your life goals. 5nance helps you to set
realistic goals and makes them more:
Achievable. Use your current and future income to set your goals for the future.
Specific. "To get richer" is not a specific or clear goal, but "to pay for 50% of child's education
for higher studies" is.
Measurable. Set a deadline for your goal, such as the age at which you want to retire, or the
timeline for buying a new house.
SIP-Systematic Investment Plan
We all have various financial obligations. Some of them like daily needs, school fees,etc. involve the
major outgo of your cash. Others like trip for your family or buying a fancy gizmo entails a onetime
payments for which money can be relatively easily collected. But for long term goals like retirement or
purchasing a home require you to save and invest for many years. Yet irrespective of the amount involved
and the time horizon, planning and investing money systematically and regularly enables you to sail
through these obligations. A SIP could prove to be a simple and effective solution toward achieving these
goals.
10. 9
A SIP is a method of investing in mutual funds, by investing a fixed sum at a regular frequency, to buy
units of a mutual fund schemes. It is quite similar to a recurring deposit of a bank or post office. For the
convenience, an investor could start a SIP with as low as Rs 500; however,this amount may differ from
one fund house to other.
Retirement Plan
5nance provides innovative investment plans offer you financial security and retirement savings for a
happy post-retirement life without you compromising on your standard of living. With the rise in inflation
& higher cost of living retirement planning in India has become an important aspect of financial planning.
We are among the best retirement planning companies who provide bespoke services. Our plans give you
options to choose the retirement age and to control your investments to meet your retirement needs.
We understand how important it is to live independently after retirement, and keeping this in mind we
offer premium services to the clients. Our retirement services are unique and can be customized according
to your needs and requirements. We offer various retirement plan services that will meet your demands to
live better after retirement.
Lump sum Investments
A Lump Sum Investment means a once off premium / payment into an investment fund which is designed
to provide you with a return in growth. This type of investment can make your money work harder for
you.
A Lump Sum Bond is a hassle-free product, with no investment transaction charges or cash accounts to
worry about. It’s focused on individuals, companies and trustees with moderate amounts to invest, who
want to start small but still reap the potential growth offered through a dedicated range of leading funds.
5nance.com assists you in gauging your own attitude to risk early in the Lifetime Financial Planning
process,while also giving its own expert advice on the type of funds that would best suit you.
11. 10
First time Investments
Questionswhichsoundseasy,butdifficulttoanswer. 5nance.comclearsall relatedtofirsttime
investment. The platformsuggestsyouonhow to getyour financesinorder,setyouraspirations,assess
the riskthat an individual cantake,understandthe productsyouare comfortable withtoinvest, check
out the cost of investments,reviewyourinvestmentsataperiodicbasis,pickandchoose the products
youwant to investbasedonthe inputsyoureceive fromyourtrustedbrokerandidentifythe place you
can purchase such investmentsuchasa brokeror an advisor.5nance alsoassistsyouindecidingthe
righttime for investmentbecause itbelievestime isone thingyouwouldnevergetonce itislost,so
start earlyto achieve early.The whoshouldinvestparttellsthatanyone whoisconcernedabout
maintainingthe same lifestyleafterthe income stopsisthe rightpersontobe investing
Equity
5nance.com is a “One Stop Shop” because it provides a comprehensive platform to buy and manage all
your equity and mutual fund investments, and insurance and loans. It helps you to achieve your financial
goals by taking smart, informed and appropriate decisions. They hand hold you to make wise decisions
based on your individual requirements and their expert research recommendations.
The products offered in line with Equity are:
Access to invest in exchange traded funds
BSE, NSE Cash with in-house depository services and dedicated relationship manager for
personalized services.
Securities Lending & Borrowing Scheme (SLBS)
Loans
Loans are a little trickysubjectinthe financialworld.Inanunplannedemergency,yes!one hastotake a
loan.So itwouldbe nice to understandwhatshouldbe consideredandwhenone shouldlookoutfor
availingaloan. One shouldconsidertakingaloanwhenthere isa life goal requirement.
All the loansthat are taken,have tobe paidback.Hence the monthlyinstallmentsaspartof the EMI
shouldalwaysfall withinyourrepaymentcapabilities.One shouldjudiciously budgetforthe monthly
income andexpensesbefore zeroingdownonthe amountof loan.
If one hassome investmentsthatare not makingadequate returns,itiswisertoexitsuchinvestments
and use forthe emergencyratherthanavailingaloan.Thusthe interestpaymentsshouldbe betterthan
the investmentreturns.
You can avail a loanwhenyouknowthat the moneyiscomingsoon,but youhaven’treceivedityet.If
youare in an emergencytopurchase,youcantake outa loanandrepay itas soon as the moneycomes
to you.
5nance.comhelpsyouto save moneywithrightloans@ rightrates.Search,evaluate andidentifythe
bestsuitable loanforyoufromthe wide range of available products.
12. 11
Health Insurance
5nance provides protectiontoyourfamilyfrom medical contingencieswithcomprehensiveHealth
Insurance. Optingforhealthinsurance duringearlyagesensure the coverage of age-relatedhealth
complications,whichturnsoutto be beneficial,whenyouneeditmost. Healthinsurance plansactasa
shieldforyourmedical contingenciesbymaintainingyourfinancial equilibrium. Thisensuresyougetthe
bestCashlesstreatmentfromleadingnetworkhospitalsinyournearbyvicinity.LifelongRenewability
allowsyoutoenjoylifelongrenewalsof policy irrespective of claimhistory.
Value formoneyhospitalizationinsurance for1st
time buyers
No pre-policyMedical check-up
LifelongRenewabilityGuaranteed
Cashlessandhassle-freedirectclaimsettlementat4900+ leadinghospitalsinIndia.
Term Insurance
With 5nance you break - free yourself fromthe complicatedprocessof documentation. Youjust
needtouploadyourdocumentsonline while applyingforthe plans.The fullyautomated
platformensuresconvenience,easiness,transparency,andauthenticity.The one - stopplatform
ensuresthatall yourfinancial andinsurance requirementscanbe managed,monitoredand
trackedseamlessly.
Life coverat nominal costwithflexibilitywhile choosingthe planoptions
Increase Life covers@ KeyMilestones of yourlife withoutmedicals*
Hassle Free Online BuyingProcess
Tax benefitasperprevailingtax laws
14. 13
Action Plan
Questionnaire
Following points were taken into consideration for preparing the questionnaire: -
Parameters for analyzing the ‘Risk Profile’ for individual customer
There were several questionsinthe questionnaire onthe basisof whichthe followingmajorinformation
was collected.
17. 16
MutualFunds
Introduction
A mutual fundisa trust that pools the savingsof a numberof investorswhoshare a commonfinancial
goal and investmentsmaybe inshares,debtsecurities,money-marketsecuritiesoracombinationof
these.Those securitiesare professionallymanagedonbehalf of the unitholdersandeach investorholds
a pro-rata share of the portfolio,thatis,entitledtoprofitsaswell aslosses.
Income earnedthroughthese investmentsandthe capital appreciationrealizedissharedbyitsunit
holdersinproportiontothe numberof unitsownedbythem.A mutual fundisthe most suitable
investmentscope forcommonpeople asitoffersanopportunitytoinvestinadiversified,professionally
managedbasketof securitiesata relativelylowercost.
18. 17
To protectthe interestof investors,SEBIformulatespoliciesandregulatesthe mutual funds.Itnotified
regulationsin1993 (fullyrevisedin1996) and issuesguidelinesfromtime totime.Mutual funds,either
promotedbypublicorby private sectorentitiesincludingone promotedbyforeignentities,are
governedbythese regulations.
DSP Black Rock Natural Resources & New Energy Fund-Regular Plan
An OpenEnded GrowthScheme seekingtogenerate longtermcapital appreciationandwhose
secondaryobjectiveisincome generationandthe distributionof dividendfromaportfolioconstituted
of equityandequityrelatedsecuritiesconcentratingonthe investmentfocusof the Scheme. The aimof
thisscheme isto stronglyoutperformplainvanillaequityfundswhichare farmore diversifiedintheir
portfolioweightage,tominimize risk.
Scheme details
Fund Type Open-Ended
InvestmentPlan Growth
Launch date Mar 31, 2008
Benchmark S&P BSE OIL & GAS, S&PBSE METAL
AssetSize (Rs. Cr.) Rs.243.81 Cr. (Avg.AUMfor Qtr.Oct-Dec '17)
MinimumInvestment Rs.5000
Return since Launch 18.99%
0.80%
18.10% 18.10%
26.60%
23.20%
1.40%
16.20% 16.20%
13.90%
17.90%
0.00%
5.00%
10.00%
15.00%
20.00%
25.00%
30.00%
1 Month 6 Month 1 Year 3 Year 5 Years
Fund return % Category Average
19. 18
Aditya Birla Sun Life Pure Value Fund
An open-endgrowthscheme withanobjective toprovide mediumto long-termcapital appreciationasa
primaryobjective andincome asa secondaryobjective.
This product is suitable for Investorswho are seeking*:
Long termcapital appreciation.
A fundthat investsinmidandsmall capstocks.
Scheme details
Fund Type Open-Ended
Investment Plan Growth
Launch date Mar 01,2008
Benchmark S&P BSE 200
Asset Size (Rs Cr.) Rs 1,800.80 Cr. (Avg. AUM for Qtr. Oct-Dec '17)
Minimum Investment Rs.5000
Mirae Asset Emerging Blue-chip - Regular Plan – Growth
The scheme seekstogenerate longtermcapital appreciationbyinvestingpredominantlyin equities,
that is95% inequitieswhile the restwouldbe investedindebtandmoneymarketinstruments.
2.70%
24.30%
45.60%
20.60%
30.10%
1.10%
15.00%
34.20%
12.40% 12.90%
0.00%
5.00%
10.00%
15.00%
20.00%
25.00%
30.00%
35.00%
40.00%
45.00%
50.00%
1 Month 6 Month 1 Year 3 Year 5 Year
Fund Return Category Average
20. 19
Scheme details
Fund Type Open-Ended
InvestmentPlan Growth
Launch date Feb01, 2010
Benchmark NIFTY MIDCAP100
AssetSize (Rs Cr.) Rs 4,178.32 Cr. (Avg. AUM for Qtr. Oct-Dec '17)
MinimumInvestment Rs.5000
Axis Long Term Equity Fund – Regular Plan-Growth (ELSS Fund)
To generate optimal returns while maintaining liquidity through active management of a portfolio of debt
and money market instruments.
Scheme details
Fund Type Open-Ended
InvestmentPlan Growth
Launch date Dec. 21, 2009
Benchmark S&P BSE 200
AssetSize (Rs Cr.) Rs 14,284.77 Cr. (Avg. AUM for Qtr. Oct-Dec '17)
MinimumInvestment Rs.500
2.20%
12.00%
33.30%
11.70%
23.60%
2.30%
12.70%
30.60%
9.80%
13.30%
0.00%
5.00%
10.00%
15.00%
20.00%
25.00%
30.00%
35.00%
1 month 6 month 1 year 3 year 5 year
Fund Return Category Average
21. 20
Observations
Customersare still focusedon justcoveringSec80C and 80D for savingtheirtaxes.
Ideaof investmentsisstillrestrictedtoFDsfor smalleramountsandtoReal Estate forlumpsum
amounts.
Dearthof awarenessforKYCVerification
Lack of awarenessaboutMutual FundsandSIP
People stillprefertohave a hard copy of theirinvestmentsandwordof mouthfor Investment
relateddecisions
People attachsentimentstothe financial producttheyare investingin
People are unaware of theiractual Riskprofile andconsiderthemselvestobe anadverse risktaker.
Recommendations
People shouldbe made aware of theirRiskprofiles
Investmentsshouldbe suggestedonthe basisof Trendstudyandperformance
Investmentoptionsotherthanthe onesthatsave taxesmustbe suggestedtointroduce the concept
of growingmoneyinamodernway
Learnings
• Understood business & potential of Fintech industry and growth in this particular business.
• Developed my skills of negotiation and convincing as every customer or lead is a different personality
and everyone doesn’t entertain the surveyor. Thus this project helped me in developing these skills,
and by learning this I was able to successfully achieve my targets.
• Pitching after understanding need of concerned person and making the conversation interactive and
developing the interest of the concerned person
2.20%
12.00%
33.30%
11.70%
23.60%
2.30%
12.70%
30.60%
9.80%
13.30%
0.00%
5.00%
10.00%
15.00%
20.00%
25.00%
30.00%
35.00%
1 month 6 month 1 year 3 year 5 year
Fund Return Category Average
22. 21
• This project was completely based on field work, thus this helped me a lot in learning how to
maintain daily expenditure as a sales person by minimizing my food and travel expenses.
• Because of 100% practical approach of the project I learned and faced majority of challenges and
understood the ground reality of the very same.
References: -
http://indiafa.org/fintech-indian-banking-sector-recent-trends/
http://www.india-briefing.com/news/opportunities-india-emerging-fintech-sector-12477.html/
https://www.fintechweekly.com/
http://www.thehindubusinessline.com/
http://www.moneycontrol.com/
http://economictimes.indiatimes.com/
