The document discusses CASHe, a fintech startup that provides instant, short-term personal loans to young professionals. CASHe uses a proprietary algorithm based machine learning platform and examines publicly available data on applicants to assess credit risk beyond basic metrics and determine their "goodness quotient" and ability to repay. The company lends mostly to younger individuals who are close to their prime or sub-prime levels, with or without credit history. CASHe aims to simplify the borrowing experience by eliminating paperwork, human interactions, and complexities. The CEO of CASHe comments that fintechs bring speed, efficiency, and precise products for precise audiences. The future plans of CASHe involve transforming into a digital bank in the next 5-7 years

1. TO LOOK
IN 2020
INNOVATIVE
TTO LO LO LOOKOOKOOK
StaRTUPs
THETHETHETHE
18

4. THE SHOWSTOPPERS OF THE INDIAN
START-UP INDUSTRY
Editor
Ananda Kamal Das
ndia is gradually emerging as a
Iprime hub for start-ups,
providing numerous
opportunities to rising entrepreneurs,
who intend to make their mark and
thrive in the business arena. Major
reports state that the country’s start-
up industry is growing by leaps and
bounds, with focus on the b2b and
deep tech spaces.
Moreover, many young
entrepreneurs, who were once merely
replicating successful business
models, are now introducing
innovative products and services.
They are stepping up, while bringing
their ‘A’ game into play and
embracing out-of-the-box procedures
to march ahead confidently and attain
excellence.
In addition to increasing their own
revenues, these start-ups are also
contributing towards the rise of the
country’s GDP, along with providing
numerous employment opportunities
to individuals. They are introducing
fresh perspectives and ideas about
how businesses can be revitalized
efficiently. These start-ups stand a
class apart, trying new things every
time, with the objective of
introducing path breaking products
and services.Ananda Kamal Das

5. EDITOR’s
NOTE
The leading start-ups of the country
are providing their best services,
while staying abreast with the latest
developments. They play a key role
in introducing innovation in
businesses and revolutionizing major
industries at the same time. Hence, to
showcase the front runners of the
Indian start-up industry, Insights
Success comes up with the issue,
‘The 18 Innovative Startups to
Look in 2020’.
This issue features CASHe;
Caterspoint Food and Beverage
Pvt. Ltd; Jewelove; Robolab
Technologies; SfarmsIndia;
Shortlist; The Moms Co; YULU;
and Zekko Tech Private Ltd.
We have also included Construmart;
LegalWiz; Orgstead Consulting
Private Limited; Revfin; ROOTER
SPORTS TECHNOLOGIES;
SHAADISAGA; THE GOOD LIFE;
TruePush; and Zestmoney.
Furthermore, this issue includes an
excellent article written by Nikee
Sheth, the Co-Founder and
Director- Sales of CA BIZNet.
Hence, browse through the pages, for
more information on these leading
startups.

6. C O N T E N T S
10 Interview with Insights Success
36 CXO
Gram-Haat: Committed
to Refurbish the Buying
Experience of Rural India
Exploring the upcoming
trends in the technology for
nancial services market

7. Caterspoint Food and
Beverage Pvt. Ltd
Providing a Fullling Culinary
Experience
SFarmsIndia
Decoding India's First
Agri-land Marketplace
Robolab Technologies
A Perfect Platform to Explore,
Learn, and Build Ideas
CASHe
Lending, Simplied for the
Contemporary Professional
14
Jewelove
The Authentic Source
of Platinum Jewellery
for Customers
20
28
16
26

8. The Moms Co.
Offering Natural Products for
New Moms and their Babies
Zekko Tech Private Ltd
Connecting India, Transforming
India
Shortlist
Unlocking the Professional
Potential of Aspiring
Candidates
32
Yulu
Pedaling towards a
Pollution-free Future
40
34
42
Article22
Editor's Pick
Promoting a Culture of
Learning within a Start Up

9. AD

10. SME-SMO Executive Uma Dhenge
Circulation Manager Tanaji
Digital Marketing Manager Prashant Chevale
Technical Specialist Amar Sawant
Co-designer
Art & Picture Editor Sapana Shinde
Art & Design Head Amol Kamble
Associate Designer Poonam Mahajan
Copyright © 2020 Insights Success Media and Technology Pvt. Ltd., All rights reserved. The content and images used in this magazine should not be reproduced or
transmitted in any form or by any means, electronic, mechanical, photocopying, recording or otherwise, without prior permission from Insights Success Media and Technology Pvt. Ltd.
Reprint rights remain solely with Insights Success. Printed and Published by Insights Success Media and Technology Pvt. Ltd.
Corporate Ofces:
Insights Success Media Tech LLC
555 Metro Place North, Suite 100,
Dublin, OH 43017, United States
Phone - (614)-602-1754
Email: info@insightssuccess.com
For Subscription: www.insightssuccess.com
Insights Success Media and Technology Pvt. Ltd.
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Phone - India: +91 7410079881/ 82/ 83/ 84/ 85
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February, 2020
Follow us on : www.facebook.com/insightssuccess/ https://twitter.com/insightssuccess
Cover Price : RS. 150/-
Editor-in-Chief Pooja M. Bansal
Managing Editor
Ananda, VarshitaContributing Writers
RNI NUMBER: MAHENG/2018/75953
Technical Head Pratiksha Patil
Business Development Lead Tejaswini Whaval
Business Development Executive Sarika Kawade
Ananda Kamal Das
Business Development Manager Megha Mishra
Shweta Ambilwade
SME-SMO Executive Uma
Circulation Manager Tanaji
Digital Marketing Manager Prashant Chevale
Technical Specialist Amar Sawant
Co-designer
Art & Picture Editor
Art & Design Head Amol Kamble
Associate Designer Poonam Mahajan
Copyright © 2020 Insights Success Media and Technology Pvt. Ltd., All rights reserved. The content and images used in this magazine should not be reproduced or
transmitted in any form or by any means, electronic, mechanical, photocopying, recording or otherwise, without prior permission from Insights Success Media and Technology Pvt. Ltd.
Reprint rights remain solely with Insights Success. Printed and Published by Insights Success Media and Technology Pvt. Ltd.
Corporate Ofces:
Insights Success Media Tech LLC
555 Metro Place North, Suite 100,
Dublin, OH 43017, United States
Phone - (614)-602-1754
Email: info@insightssuccess.com
For Subscription: www.insightssuccess.com
Insights Success Media and Technology Pvt. Ltd.
Off. No. 22 & 510, Rainbow Plaza, Shivar Chowk,
Pimple Saudagar, Pune, Maharashtra 411017
Phone - India: +91 7410079881/ 82/ 83/ 84/ 85
Email: info@insightssuccess.in
For Subscription: www.insightssuccess.in
sales@insightssuccess.com
February, 2020
Follow us on : www.facebook.com/insightssuccess/ollow us on : www https://twitter.com/insightssuccess
Cover Price : RS. 150/-
Editor-in-Chief Pooja M. Bansal
Shruti, RahulPublishing Control Team
RNI NUMBER: MAHENG/2018/75953
Technical Head Pratiksha Patil
Business Development Lead Tejaswini Whaval
Business Development Executive Sarika, Ashwini
Managing Editor Ananda Kamal Das
Business Development Manager Megha Mishra
Abhishaj, Sneha, DarshanQuality Assurance Team
Shambhavi, VishalContributing Writers
Sapana Shinde
Shweta Ambilwade

12. GRAM-HAATCOMMITTED TO REFURBISH THE BUYING EXPERIENCE
OF RURAL INDIA
Today in the 21st Century, the
words of Mahatma Gandhiji
still have their significance.
In this world of globalization and
rapid digital penetration in the life of
citizens, hunger for services with
ease of availability matters the most.
There is a dire need of an efficient
catalyst for inclusive growth through
bridging urban–rural divide with
commercially viable solution. This is
where Gram-Haat makes its presence
felt.
Gram-Haat, a Rural Retail business
model of eRMPL Technologies LLP
is working on click and brick model
using off-line and on-line activities
and catering service needs of rural
consumers and businesses. In an
Interview with Insights Success,
Sanket Jasmin Desai, the Chief
Business Officer of the company
sheds light on its inception, unique
facilities, major achievements, and so
on.
• Could you please give us an
overview of the company?
Gram-Haat®, the eRMPL
Technologies LLP Rural Retail
Initiative is connecting Urban
brands with Rural Consumers and
business. We are the only initiative
addressing 4 (A) challenges of
Rural segment – Awareness,
Acceptance, Affordability and
Availability in single go. Our
Assets-light, Technology based
bricks and mortar model operate at
Tire-II & beyond serving Rural
market for their daily needs of
Product - Service – Consultancy
from Agriculture, Finance,
Education, and Health & Hygiene,
Govt Services, and Personal &
Household care through On-line
and Offline process. Today with
14000+ PoS / IT equipped Outlets
Gram-Haat® serves appox. 40M
population aiming to reach to 150m
from 45000+ Outlets by 2021.
• Kindly tell us about your
company's inception and how the
idea of it was conceived.
Walking down the memory lane of
2012-14, while working for
corporates, I travelled more than
15000 Tire-II/III Towns and
Villages and analyzed that in spite
of infrastructure growth and digital
connectivity still people need to
travel 25-35 Kms or end-up paying
premium price with not assured
quality for their various needs for
Urban brands. Two-sided value
proportionate solution was the need
of hour and that's how the Gram-
Haat® initiated to bridge urban
brands' offerings and rural demands
at most viability. It took 2 Years for
the pilot to create 83 CoFos in
Western India.
• Could you tell us about the
mission and vision of your
company?
Gram-Haat® is the widest spread
rural retail outlet serving 500M
Indians through 50+ most valued
brands & start-ups in the space of
Agriculture, Finance, House-hold
and Personal Care.
• Who or what are the inspirational
factors behind the organization?
Today in the 21st Century, the
words of Mahatma Gandhiji still
have their significance. In the rapid
world of Globalization and Digital
Penetration in the life of citizens,
hunger for services with ease of
availability matters most. There is
the need for an efficient catalyst for
inclusive growth through bridging
urban-rural divide with
commercially viable solution, and
February 2020|10
Interview with Insights Success

13. Sanket Jasmin Desai
Chief Business Officer
|February 2020 11

14. ere “Gram-Haat®” appears.
h
We have been
working on the principal to create entrepreneurship
th
in rural area, where minimum 10 pass youth who
is having inclination towards business with basic
knowledge for IT can work with Gram-Haat®. We not
only give him earning opportunity but also increase his
capability to serve rural citizen in various modes. Gram-
Haat® is connecting urban brands at most affordable cost
for out-reach & logistics and to create actual social and
economic impact on the life of people where real India
resides. We take an opportunity to share credits with our
mentor Mr. Amit Varma (Ex. President RIL) who taught
us "Out-reach".
• Kindly give us an idea of the facilities or process
that the company deals with.
India has 2 largest infrastructure set-ups in Rural 1.
India- Post and 2. Panchayat Office. To create the asset
light model with public engagement we are operating
Gram-Haat® from every single Gram-panchayat
building on margin sharing business. In turn the model
is CoFo. Urban brands have tie-up with us to promote –
market – sell their products / service / consultation.
Gram-Haat® operators are continuously trained on
digital services and product marketing and sales by
associated business partner's trainer. IT equipped with
connectivity outlet serves On-line as well pre-sales
activities are done through Events & promotions at
village level. Gram-Haat® contributes appox 42%
digital transactions of Gujarat from various Financial
Inclusion initiatives i.e. AePS Payments, Money
Remittance, Bharat Bill Pay, Recharges and so on so
forth.
Their single largest platforms where at no cost any
brands or start-up can reach to more than 40M
beneficiaries and create own market space through
Gram-haat®. eRMPL is Rural Technology &
Innovation continuum.
• Please tell us about the major factors behind the
success of the company.
Gram-Haat® is founded by Rural and Retail Industry
experts and has Advisory Board members from
Agronomy, Insurance, Banking, Telecom, e-Market
Space, Education, e-Governance and Hospitality
verticals to empower the Gram-Haat® initiative. All of
us have high level of synergy to build the best Solution
for Rural. Together we continue to effectively innovate,
operate and market Gram-Haat®. Initiative is
operationally supported by sister companies – SdMC &
Kanan Solutions and functionally by parent company
eRMPL Group.
• Could you tell us about the awards and recognitions
that have been earned by your institution so far?
Gram-Haat® has been awarded with Grant &
Recognition as Top 20 Start-ups by CIIE and IIM-A at
The Power of Idea as well Sanket got selected for
Fellowship program by Royal Academy of
Engineering, London for the said project. Continuing
the march, eRMPL Technologies LLP inked MoU with
State Government of Gujarat during Vibrant Gujarat
Summit 2017 for rolling-out B2B & B2C and G2C
support Services at 14000 Gram-Panchayats of the
State. The company is recognized as Start-up by DIPP
– Govt of India. Committed to Empowered India.
February 2020|12

15. AD

16. CASHeLending, Simplified for the Contemporary Professional
he past couple of years saw a wave of
Ttransformation within the Indian financial
technology along with financial services
platforms. Technology had taken over most of the
industries, and finance was not far behind. This brought
with it plenty of changes in the way any financial
procedure was implemented, along with its operational
methods. Currently, some of the firms taking advantage
of this scenario are Fintech start-ups who started by
delving into the unexplored segments. They worked to
bring innovation to the field, which was previously a
tough task. CASHe is one such company and has been
the most preferred for digital lending purposes. CASHe
also recognizes the concerns of young professionals and
offers them instant, short-term personal loans with no
inconvenience caused. These loans are given after
considering a few factors such as the client’s digital
footprint, merit and earning potential in addition to their
social profiles. This is implemented into the system, and
using its proprietary algorithm based machine learning
platform, the company goes ahead with the digital
lending process.
Being a new-age company, mathematical algorithms are
also helping determine the risks from a potential
borrower using the above information. Any publicly
available data is examined, and the model of technology
goes beyond the basic credit-risk metrics. Additionally, it
assesses the goodness quotient of the borrower and his
potential to repay. The company thus lends mostly to the
younger crowd who are close to their prime or sub-prime
levels, with or without any previous history of credit.
Emphasizing on the Technology and Target Audience
Every young professional, due to various time restraints
tries to seek easier ways to do complicated tasks, mainly
the ones that involve paperwork. Going to a bank to get
their work done seems inconvenient for them, but
CASHe contains a much-simplified borrowing
experience. It eliminates any requirement of tedious
paperwork, human interactions or any complexities in
opting for a loan. As Ketan Patel, the CEO of CASHe
states, “FinTechs bring speed and efficiency to the table
along with precise products for precise audience.”
Speaking of the company, he also says, “Most of the
Ketan Patel
CEO
February 2020|14

17. The future plans
of CASHe involve
transforming into
a digital bank in
the next 5-7 years
FinTechs including us, are on the right track to creating
something unique. We’re now in a position where the
customer is truly the king.” The UX of the online
application is user-friendly and contains multiple loan
options, which are completely digital. One of the key
highlights of the app is how the user, without leaving
their home, can avail a loan within an 8-minute Turn
Around Time. Elaborating on the uniqueness of the
company, it also utilizes the proprietary credit evaluation
framework or the Social Loan Quotient. It also combines
Big Data Analytics with AI-based algorithms to assess
the traditional inputs. The SLQ also calculates the loan
amount and the interest rate to be charged.
The growth of any business requires tremendous use of
the latest technological enhancements as well as address
a larger market within the country. Hence, India is the
ideal choice to invest in, for innovative fin-techs,
especially keeping in mind the young population, and the
immense contribution to the GDP.
A Deft Personality with an Advanced Outlook
Ketan Patel brings with him plenty of knowledge and
experience which has constantly helped the company
grow. He held the gargantuan responsibility of steering
the it through strategic transformation by implementing
innovative techniques. With the majority of the
companies client base being young professionals, Ketan
speaks of how CASHe focuses on them as a target
audience, “CASHe aims to focus on a specific target
audience. It is possible to focus on people in the age
category of 24-34 and try to cover the person’s
ecosystem to the best of abilities.” Elaborating on the
intentions to serve them the best, he also says, “Observe
what a 24-34-year-old would ideally want and
accordingly serve that need. For example, rent deposit, 2
wheelers or even travel, e-commerce or insurance.”
Being a seasoned leader, his prior work experience
involves an illustrious career at Kotak Mahindra Bank
for close to 18 years, where he held some key positions.
The one that he held the latest was in the Composite
Business Solutions and E-Commerce Vertical. Between
2010 and 2015, he assisted in the establishment of a
Private Banking Business with the Kotak Group in the
UK. Apart from all of these, Ketan also managed various
other sectors within Kotak, such as Kotak Securities,
Kotak Wealth Management, Mortgages as well as
Heading the division focused on NRI business. He holds
an ideal track record of bringing in innovation as well as
operational excellence while achieving revenue and
profitability in business.
With the country coming up with initiatives such as
‘Digital India’, fin-tech companies have been finding
plenty of opportunities. Using this they’re able to
capitalize on and popularize cashless transactions. Banks
being digitized have also given fin-techs the chance to
become the future of the banking and financial sector of
India. CASHe is initiating this step into the future and
creating a hassle free pathway towards loans and other
such transactions.
“
|February 2020 15

18. Caterspoint Food and
Beverage Pvt. Ltd
Providing a Fulfilling Culinary Experience
ood is one of the primary necessities of a human
Fbeing, and it has with time evolved and grown as a
full-fledged industry. Today we have plenty of
food companies that are implementing creativity to bring
a fresh wave of change. One such company, which was
initially just a dream but eventually found its way into
reality is Caterspoint, founded by Chef Anshu Raj.
This start-up brought with it a meaningful yet unique
concept within the food and beverage industry. Being a
professional in the world of culinary art and creativity,
Anshu believes immensely in innovation. Upon the
establishment of Caterspoint, its inventive menu gained a
lot of customers all through the initial stages.
Anshu observed, through meticulous research and
development within the field of products, market, and
procurement, that there needs to be a change in the food
delivery industry. There was also plenty of space to bring
out something new, and implement positive solutions. He
comprehends that currently, people are exploring food,
but while seeking out healthier options.
The company is trying to fulfill this requirement with its
team of skilled professionals including graphic designers,
marketing, operations, and procurement team. They
started in Gurgaon where the head office is currently
located, and spread to prime areas of Delhi/NCR like
Sohna Road, Malviya Nagar, and Dwarka. The firm is
now aiming to create a better food ecosystem while
promoting healthier lifestyles. Hygiene is also one of the
top priorities for the company as it is what the clients
demand, and the Chef is extremely particular about the
top-notch quality of every product.
Concept Behind Caterspoint
The food industry has numerous ways in which it can
experiment, and Caterspoint has ensured that a unique
concept is implemented. Multiple factors inspired the
inception of the company, especially the aspect of food
delivery. Most of the apps continually offer a myriad of
offers and coupons to attract customers but tend to fall
short when it comes to presentation.
Caterspoint is working to ensure that the quality of food
delivered is exceptional while also assuring orderly
presentation. They emphasize upon the packaging of the
products being intact while avoiding any spillage. The
firm also intends for the product to look presentable when
the customer receives it while also containing high-quality
ingredients.
Chef Anshu Raj
Founder
February 2020|16

19. Story of Inception
Anshu observed the market with proper research and
development. He then deduced that an ideal company
needs a more reliable system to cater to clients and
corporates. This is where the concept of Caterspoint
struck, which would manage both the principal aspects of
B2B and B2C. But this had to be done without disrupting
the quality or hygiene of the products. To fill the gaps
between the customer and the company, he decided to
lower the packaging costs while maintaining the cost of
the consumables. The company was started to provide
quality with bulk orders meant for family occasions,
birthdays, corporate clients, and more. It turned into a
novel concept to transform popular yet familiar dishes
into something extraordinary.
The company caters to diverse cuisines and food products
that people tend to choose. This provides plenty of
options for every foodie, with 250 types of dishes while
also preparing for gifts and giveaways. All the orders
delivered to the clients have multiple offers that have built
up a loyal customer base.
Distinguished Visionaries
The efforts and enthusiasm of the entire team of
Caterspoint have contributed equally to the growth of the
company. Since its inception, the team of over 80-100
members has been giving their inputs within the culinary
field. After all, a start-up requires the most work and
needs to overcome various circumstances before rising to
the top.
Speaking of a couple of prominent individuals within the
organization, Anshu states, “For me each team member is
important, but the key indiviual of our company is Mr.
Ajay Kumar. He is the first member since day one and I
believe that he has given his soul to the company. He is
responsible for the entire company’s procurement and
supply chain. His commitment and zeal to bring out the
best in the company have always motivated other
employees as well.”
He also goes on to say how Ajay’s optimistic personage,
ideas, and opinions, have played an important role in
many of the company’s decisions. Another personality
who has been vital to the image of the company, is Ms.
Ira Abel is the Brand Designer of the company who
visualises the needs of the clients. She is an expert in
understanding the psychic of the new age customer's
comfort to know what they want and expect. She feels
that the packaging should be convenient and comfortable
for the clients to use also one should analyze market
trends and formulate strategies to reach customers. Also,
we have another key member in the front end Upasana
Bhan, who manages all the B2B clients and their
corporate fooding requirements. Being a hospitality expert
she makes sure that the corporate events and food delivery
is of high quality and creates an unforgettable experience
for all, with long term loyalty. She plans and tracks the
growth of the business by focusing on the value that the
customer can see. This allows the company to
differentiate itself from the competition.
Recognitions Galore
The company, due to its various steps and initiatives to
keep the customers as their priority, has earned multiple
accolades in various forms. They were given the title of
being Fan Favorite by the Zomato Food Delivery Summit
and was featured in the Silicon India Start-up City. It also
found coverage in the HT City – Weekend Planner as well
as on various platforms online such as whatshot.in (Times
of India)
Food is a common point among people, which makes
Caterspoint a unique facility available for the customers.
To know more about Caterspoint and its various options
for foodies, Visit here - caterspoint.com
|February 2020 17

22. JeweloveThe Authentic Source of Platinum Jewellery for Customers
n today’s era, every product or service is available
Ionline at the click of a button. Having said that,
jewellery items have also made their way into the
digital market. However, it is a challenging task to find
jewellers, who provide us with authentic ornaments.
Hence, customers are always at the lookout for credible
service providers, who guarantee products of the highest
quality, accompanied by quick services.
With the aim to bridge the gap between demand and
supply for bonafide platinum jewellery, Jewelove was
established in January 2016. It focuses on providing
genuine information to clients, while educating them
more about the same.
Throughout the excerpts mentioned below, the company
shares its impressive journey with us.
• Could you please give us an overview of the
company?
Jewelove is an online platform for authentic platinum
jewellery. Founded by Sambhav Karnawat, Jewelove
has been awarded by the Platinum Guild International
for the highest sales of Platinum Jewellery across
North India for 2 consecutive years. Every piece of
platinum jewellery comes with a Certificate of
Authenticity issued by PGI. Jewelove showcases over
1000+ designs of platinum love bands, engagement
rings, chains & kada for men & women.
• Kindly tell us about your company’s inception and
how the idea of it was conceived.
Jewelove was founded in 2009 by Sambhav Karnawat
in his second year at IIT Kanpur. Sambhav has always
been passionate about technology & coming from a
jewellery family, he has always had exposure to the
jewellery industry. Sambhav could clearly see the
inefficiencies in jewellery retail & how jewellers incur
very high inventory costs. He deployed an online just-
in-time business model that reduces inventory costs &
middle-man costs significantly and saves the
consumer almost 15-20% as compared to regular
retailers.
• Could you tell us about the mission and vision of your
company?
We aim to provide authentic platinum jewellery at a
very reasonable price to every nook & corner of
India, even the smallest village in India. We have
already delivered items to small villages in
Rajasthan, Kerala, Jammu & Kashmir & even the
distant Andaman & Nicobar islands.
• Who or what are the inspirational factors behind the
organization?
Founder
Sambhav Karnawat
February 2020|20

23. Jewelove is all about providing the customer an
exceptional experience. We already have over 475
reviews from existing customers. This target for
providing an exceptional experience is what drives us
at Jewelove.
• Kindly give us an idea of the facilities or process that
the company deals with.
Jewelove ensures that every piece is certified and
marked for Pt 950 to ensure the highest quality
standards.
• Could you tell us about the awards and recognitions
that have been earned by your institution so far?
2019 – Winner of “Platinum Season of Love –
Highest Sales – in North India” by Platinum Guild
International
2018 – Platinum Season of Love –Winner of “
Highest Sales – in North India" by Platinum Guild
International
Wharton Economic Forum – Selected as Top 20
Startups in Wharton India Economic Forum 2019
About the Founder
Sambhav Karnawat, Founder of Jewelove, is an IIT
th
Kanpur alumnus and 4 generation jeweller. He brings a
unique combination of traditional heritage and
technological advancements to all his endeavours.
Sambhav has been featured on various important media
platforms such as ET NOW Leaders of Tomorrow, CNBC
TV18, Wharton India Economic Forum, Authority
Magazine, YourStory, Inc 42, and many more.
“
We craft
authentic
platinum
jewellery with
dedication
and nesse.
|February 2020 21

24. PROMOTING A
Culture
of
Learning
WITHIN A STARTUP
ith the objective of increasing productivity,
Wlearning is often neglected in many start up
companies. The authorities may get involved
in the day-to-day processes in order to achieve various
goals. However, they should also focus on nurturing a
culture of learning, which is essential for the long-term
success of the start up.
It is important to note that a positive culture of learning is
crucial for attracting creative and devoted talents. Most
people are of the opinion that it is very important for
organizations to provide professional or career growth and
developmental opportunities not only for individual
growth, but also for the company’s growth. Many
individuals consider the opportunity to learn and grow as a
key factor while selecting a company to work for, or to
stick around with the same company for a long time.
Workplace Learning is Crucial
A start up should not only emphasize on employee
retention, but should pay close attention towards
Editor's Pick
February 2020|22

25. |February 2020 23

26. workplace learning. This will help in enhancing the
knowledge and skills of the team, which will further assist
to keep up with an ever-evolving industry. A batch of
employees which can adapt quickly will help a company
excel in various endeavors. However, remaining stagnant
can lead to failure.
Guiding the employees to navigate through life and work
will help them to refine and reshape their existing
knowledge, while learning new skills. Managers can guide
their subordinates towards creativity and innovation, and
encourage them to overcome conformity and stagnation.
Strategies to Enhance Learning
In order to create a better learning environment, it is
essential that a company interacts with the employees and
provides them opportunities to explore their potential.
Additionally, employing various strategies that nurture
creativity, coordination, teamwork, and productivity can
bear better results.
Start ups can implement the below-mentioned methods to
promote a learning environment and enhance workplace
productivity:
Learning from Mistakes
A successful person possesses the curiosity and eagerness
to learn. They are willing to take risks, while embracing
and learning from their mistakes. Flaws and failures
provide every individual the opportunity to learn and
grow. Organizational leaders should accept and even
encourage mistakes, which will lead employees to attain
mastery over their craft.
It is important to treat failures as learning opportunities.
This will help in establishing a culture of creativity and
innovation, while preparing employees for the future.
Furthermore, employees gain confidence to work on new
things, try out out-of-the-box ideas, and experiment in
order to find better solutions that bring out the best results.
Celebrating Achievements
Companies can motivate employees by recognizing their
achievements, such as acquiring a major client, exceeding
the assigned targets, completing a project ahead of time,
and so on. Acknowledging employees for their
contributions towards the growth of the company can help
in building a happy, effective, and motivated staff.
However, start ups should not only celebrate outcomes and
results, but should also recognize growth and
improvement. Rewarding employees can have a lasting
impact, as it will motivate them to take on new challenges,
in turn, benefiting the company.
Coaching is More Important than Managing
For most start ups, budgets are tighter, while workloads
are heavier. As a result, leaders have a tough time serving
as coaches due to the lack of time and resources. However,
it is essential for them to act as a guide for the employees,
rather than a commander and controller. This will help
managers to effectively lead their team within a start up.
They can coach the employees, assist them in honing their
skills, correct ineffective practices, while fostering a
culture of learning. This will lead employees towards
higher levels of achievement, in turn contributing towards
growth, productivity, employee satisfaction, and further
attainments of the start up.
Opening Various Doors for Learning
Encouraging diversity at workplace enhances dynamism
and benefits a start up in a variety of ways. Leaders should
realize that every person in their company has a unique
way of learning. Some employees may excel with hands-
on learning experiences, while others may prefer learning
through podcasts, videos, or in-person learning events.
Employees nowadays can benefit from on-demand and
micro-learning experiences. These help them to stay
abreast of the various developments taking place, and they
can keep moving forward. While building a culture of
learning, start ups should ensure that it reflects the
diversity of the learners and offers different pathways of
learning.
For better outcomes, companies should assist their
employees on their journey to attain mastery. No matter at
whatever level of competence they currently are, the
company should assist them to reach the level of
competence which is required to attain excellence and to
stand tall among the fierce competition in the market.
- Ananda Kamal Das
February 2020|24

28. Robolab Technologies
A Perfect Platform to Explore, Learn, and Build Ideas
e live in an age where most of the activities are
Wdriven by advanced technologies such as AI,
machine learning, and so on. Robotics is also
revolutionizing businesses, easing procedures, and leading
them towards innovation and excellence.
Many noteworthy institutions are embracing robotics to
achieve the competitive edge and to provide excellent
services. One such torchbearer leading from the front is
Robolab Technologies Pvt. Ltd. (RTPL).
A venture by the alumni of College of Engineering, Pune
(COEP), the company is mentored and supported by BHAU
Institute of Innovation, Entrepreneurship and Leadership
(BIEL).
How it all Began
RTPL came into existence out of the rigorous efforts of its
founders as an attempt to transform the educational
facilities in the country and to provide a larger platform to
the students to show their skills and talent and to create
employment for the youth.
Having worked on a variety of projects, participating in
various types of competitions and securing laurels for the
alma mater at all levels, the founders decided to continue
with the same zeal and impart the knowledge to the
newcomers and other students.
Robolab is a dynamic, on campus, centre of excellence in
robotics, internet of things (IoT), AI, rapid prototyping
(RP), and industrial automation, tailor-made for the
students. The advanced and state-of-the-art platform
provides scope to explore, learn and build robots, and
related technologies. The company provides innovative and
interactive training by experts consistent with the latest
curricula and the industry requirements.
A Multitude of Exceptional Offerings
The company aims to attain excellence in offering
academic, training, and development facilities. It not only
provides with cutting-edge research facility, but also, hands
on practical experience along with required theory. Students
can avail consolidation of concepts and industry–institute
interaction. Moreover, the company offers standard
guidelines and essentials along with superior quality and
advanced robot study platforms. Training sessions
conducted by industry experts and affordable excellence
with quick return on investment are some of its key
features.
The Centre of Excellence in robotics and industrial
automation includes technologies such as electronics,
mechanical, pneumatics, vacuum, and rapid prototyping.
The Centre of Excellence in Internet of Things includes
peripheral software, IoT kit, IoT components along with
providing expert training. Additionally, the Centre of
Excellence in Artificial Intelligence offers peripheral
software and AI platform along with expert training.
The Persistent Leaders
The company conquers numerous challenges under the
dedicated stewardship of Amol Ashok Gulhane, the
Director & Chief Executive Officer and Pratik Pravin
Pratik Pravin
DeshmukhCOO
Ajit Balaji Pawar
Director
Amol Ashok
Gulhane
Director & CEO
February 2020|26

29. Deshmukh, the Co-Founder & Vice President-Sales and
Ajit Balaji Pawar, the Chief Operating Officer.
Amol is a first generation entrepreneur and a roboticist
shaping the company. He is the recipient of the National
Entrepreneurship Award (GoI), Youth Inspiration Award
(Sakaal), and 30 under 30 startup entrepreneurs (Hindustan
Times). Amol is an expert speaker on robotics, internet of
things, artificial intelligence, industry 4.0, entrepreneurship,
and leadership.
Pratik is a first generation entrepreneur and a roboticist. He
is well versed in executing technology projects and has
deep knowledge on various industry methodologies. Pratik
comes with unique ideas of working with large corporations
majorly in the space of sales & marketing domains. With
business development background and technical education,
he has a fitting understanding on extensive areas of
sciences.
Ajit is also a first generation entrepreneur and is deeply
passionate about latest technologies. He is an expert in
executing technology projects and has deep knowledge of
the industry working methodologies. He comes with an
experience of working with large corporations majorly in
the space of technology and operations domains. His
experience in management and business operations is an
asset for our company.
Benefits of Robolab
RTPL provides numerous benefits to the students. It is a hub
of inter-branch student activities, which provides necessary
technical edge under proper guidance in an ideal
environment. The company provides the perfect
environment for the future roboticist in the making. It
bridges the gap between the industry requirements and
present academic content.
The company provides a platform that allows students to
explore multiple disciplines of engineering. It assists
students in exploring their fields of interest. The RTPL
certification helps students achieve a competitive edge
among others. Instead of relying on others, students can
strengthen their knowledge and create their own projects
during academics. It also offers industrial internship/
scholarships to meritorious candidates. RTPL builds a
bright career pathway in embedded systems/ application
development/ mechanical/ robotics and so on.
Winning Numerous Laurels
RTPL has made rapid strides throughout its illustrious
journey. It has achieved numerous accolades for its
dedicated endeavors. The company has won the National
Entrepreneurship Award 2018, Ministry of Skill
Development and Entrepreneurship (MSDE), Government
of India. It is the recipient of Young MSE Achiever Award
by Small Industries Development Bank of India (SIDBI)
and The Economic Times 2018. RTPL was chosen for the
Startup India Initiative, Department for Promotion of
Industry and Internal Trade, Government of India. It was
also awarded for the Best ICT Start-Up in India by Ministry
of Electronics and Information Technology (MeitY),
Government of India, ASSOCHAM and ERICSSON.
Furthermore, the company won the Best Startup award in
the field of artificial intelligence innovation in education
and industry by MITSOT, ITU, the IET. It has also won
StartUp of the Year under Future Education category at
World StartUp Expo 2016, Bengaluru and the HOT100
Startup Award by CORE.
“
We focus on
delivering the
highest quality
solution to
our clients
|February 2020 27

30. SFarmsIndiaDecoding India’s First Agri-land Marketplace
griculture is a process that began centuries ago
Awhen humans found a way to regrow any crop or
plant that they preferred. India is one country
which depends primarily on farming and as per reports of
2018, this sector employed a 50% workforce of the country.
Being the largest livelihood provider in the country,
especially in rural areas, it contributes significantly to the
Gross Domestic Product as well. But off late, the farmer
and agri-realty developers have been experiencing
roadblocks while trying to sell agri-lands due to lack of
liquidity. On the other hand, according to the present trends,
High Networth Individual or HNI’s are looking at agri-land
investments as an alternative asset, but are facing issues in
finding the right lands.
One company that is creating and opening up pathways for
this very process is SFarmsIndia. A leading Agri Land
Marketplace, it went through multiple phases of testing
before being given the command to go ahead.
Story of Inception
SFarmsIndia is a company that required an elaborate plan
and in-depth research to find itself at the pinnacle. During
the initial days of research, it was found that most property
websites across India required a focus on agricultural land.
This is where the idea struck, that there had to be a platform
for these forms of land as well. Various traditional property
websites are a contrast to each other, where the agri-reality
exchange market plays a larger part in terms of valuation.
Upon further research, it was found that in Telangana alone,
for the Fiscal Year 2018-2019, the registration value of
agricultural land market size was Rs. 15,000 Cr and the
market value stood at 50,000 crores. The area transacted
was 3.2 Lakh acre, and this is where things became clear
that agri-realty is one aspect left unexplored throughout
India.
This identification acted as a catalyst towards the launch of
a web application which contained detailed listing and
fractional trading functionality. Post rigorously testing the
concept, the listing platform’s beta version was launched by
the team in July 2018. On this platform, potential buyers
can find land, while sellers can list theirs on it. A few types
of land listed are agri-lands, estate lands, and eco-farms.
This was followed by the launch of the beta version of
fractional trading in January 2019. Within this section, agri-
lands are divided into smaller tradable fractions which
Kamesh Mupparaju
CEO
February 2020|28

31. Speaking about the goals
for the company, Kamesh
says, "The rm aims to evolve
into being the most respected
and trusted brand for on-demand
trading/liquidity solutions in
Agri-Realty market and tap
at least 10% market share in
Agri Realty sector in India.
provide flexibility to the buyers. This is especially
beneficial for those belonging to the medium to small
income groups. These two primary functions can work
collectively, and this is helping individuals buy small pieces
of agricultural land. It can be traded and is simple as the
buyers are in direct contact with sellers, so there is no
commission as no middlemen are involved. One of the
fundamental USP of SFarmsIndia is the seller being able to
finance land fractions digitally.
A Prudent Personality and SFarmsIndia's Backstory
Kamesh Mupparaju, the CEO of SFarmsIndia has 12
years of trading experience as well as functional experience
of trade engine. This turned out to be a plus point when it
came to designing and developing a powerful trade engine
as well as a robust listing platform. He holds a B.Tech
degree in Electronics and Telecommunications from IETE
(2004) and an MBA in Finance from Osmania
University(2007). His prior work experience involves being
an FX Analyst and Dealer at Six Capital as well as a
Research Analyst at Religare Commodities. The inspiration
behind his company was his father who worked as a farmer
and eventually struggled to sell his agricultural land. Being
located in the village, there were no buyers due to lack of
awareness and the same situation was observed with other
farmers as well. Brokers were also another factor of
hindrance. This is when it occurred to him that there needs
to be an effective system in place for this cause.
The Operating System of the Firm
Being an online web application, SFarmsIndia has two core
functions that help in simplifying the processes of the
company.
Listing Process– This where the seller enlists on the
platform and creates his profile according to the
requirements. He can then choose the category under which
the land needs to be listed. Once listed, the buyer can search
the Agri lands based on the chosen category and contact the
seller directly.
Trading Process–The company first establishes an
agreement with the seller to issue fractions by digital land
contracts against their lands. Following this, they are
credited to the agri-realty developer’s wallet on the
platform, and the developer can sell directly through the
trading platform. Users can either use the site via the web
interface or connect through the API to access the trading
platform. The trading platform uses a proprietary trading
engine that is automated and manually overlooked.
Recognizing these efforts, Szuper Agridigital Solutions Pvt.
Ltd that came up with SFarmsIndia found recognition as a
start-up by the Department of Industrial Policy and
Promotion, Govt. of India., under the Start-up India
initiative. The company was also spotted in the Start-up
Talky as an agricultural start-up in India.
“
|February 2020 29

33. AD

34. Shortlist
Unlocking the Professional Potential of Aspiring Candidates
ndia has emerged as one of the fastest growing startup
Inations in the world. It is ranked third globally in terms
of job creation and innovation. The country has
witnessed the rise of around 50,000 startups in 2018.
Moreover, around 1300 new tech startups were born in
2019 alone. This speaks for the massive reach and scope of
startups in the country. The leading startups of India are
transforming businesses by embracing innovation and
proceeding towards development and prosperity.
A leading player in one such industry (recruitment) is
Shortlist. It is a talent technology company that helps
employers in India and Africa use data to build world-class
teams. The company offers recruitment services that are
enabled by a technology platform that screens candidates
using an automated chatbot and online skills-based
assessments, letting employers skip the most time-
consuming and bias-prone phase of hiring.
Emphasis on Excellence
The company provides a wide array of offerings ranging
from full-service recruitment for mid to senior positions on
its tech platform, to a lighter-touch software solution to a
highly customized executive search offering. This allows
employers to efficiently and objectively identify top talent
for junior, mid-level, and even executive-level roles. With
offices situated in Mumbai, Hyderabad, and Nairobi, it has
provided services to over 500 clients across 20 countries, of
which more than 350 clients are from India.
Shortlist has an impressive line up of esteemed clients
including DHL, ITC, Dunzo, Ather, UberEats, Rockefeller
Foundation, Google, Zee, Milaap, Epigamia, Sula
Vineyards and many more. The company raised a $2
million Series A funding round led by Blue Haven Initiative
in January 2019.
The Genesis
Before the company's inception, its co-founders Paul
Breloff and Simon Desjardins (along with third co-founder
Matt Schnuck), were impact investors in India and Africa.
During this time they realized that recruitment and access to
talent was consistently the number one barrier to growth
facing these promising enterprises. Their companies were
facing difficulty in selecting the right person for a job, while
candidates were stuck in a demoralizing cycle of applying
to hundreds of jobs and never hearing back. This led to the
inception of Shortlist with the goal of matching talent with
promising opportunities leveraging smarter data and
technology.
Upholding Team Values
Shortlist embodies five team values, which define it as an
organization. These are as follows:
“Own it: Own yourself and your work. Don’t wait; see the
needful and do it. Generate discipline. Drive for results.”
“Act with intention: Do the work to get clear. Buck
convention. Big goals start with small steps; step with
purpose.”
“Find the adventure: Changing the world should be fun.
Inject spirit into the everyday. Be bold. Dream loud.
Swashbuckle.”
CEO, Co-founder
Paul Breloff
February 2020|32

35. “Be a whole person: We’re more than our work. Seek
balance and health. Learn from differences. Unlock your
potential.”
“One team: Teammates come first. Mood is infectious.
Listen loudly. Feedback is a gift. “We” instead of “I”. When
the team wins, we all win.”
About the Visionary Leader
The person stewarding Shortlist towards excellence is none
other than Paul Breloff, the CEO and co-founder of the
company. He was also the Founder and Managing Director
of Accion Venture Lab, a financial-inclusion-focused
venture capital fund. Prior to that, Paul worked with SKS
Microfinance, leading on business development and
strategic partnerships. He has a B.A. from Amherst College
and a law degree from Yale Law School.
Bagging Numerous Accolades
The company has always focused on delivering the best,
and its dedicated efforts have been recognized by many. It
has been named among ‘Top 5 Companies with Great
People Managers’ from Small Enterprise Category by
Forbes India’s 100 Great People Managers for 2019.
Shortlist CEO Paul Breloff & CTO Sudheer Bandaru have
been named among India’s 100 Great People Managers for
2019 by Forbes.
The company was named among 10 Shortlisted AI Startups
By Facebook, T-Hub for India Innovation Accelerator
programme in 2019. It was also shortlisted for the 2019
MIT Inclusive Innovation Challenge. Shortlist has also been
listed as one of India’s’20 most promising HR tech startups'
by CIOReview India in 2019.
Dedicated Services
On Shortlist, job applicants have to go through an intensive
vetting process before making it to the client’s dashboard as
a potential candidate. Firstly, a chatbot provides
information to the candidates on requisite criteria such as
relocation, salary preference, and experience level, among
other things. Next is the assessment stage where the
candidate performs on-the-job tasks (for instance, a finance
candidate would answer questions about a balance sheet) to
gauge their ability to excel in the role. Based on these
inputs, Shortlist creates a holistic, skills-based profile of the
candidate for the employer to engage with on the platform.
Overcoming Challenges Efficiently
The company opines that the single biggest challenge for
growing companies and startups is finding the right talent to
scale. “We believe that both job seekers and employers
deserve a better way to find each other and gauge fit,” Paul
Breloff, CEO and co-founder of Shortlist states. It regards
that looking past the pedigree and refocusing on potential
and demonstrated ability is the first step towards a world
where everyone gets a shot at fulfilling professional
experiences.
A Class Apart
Shortlist conducts detailed research, finds and engages the
right talent online. It screens candidates’ performance using
interactive online questionnaires and assessments. The
company automates data collection and determines whether
candidates meet recruiting requirements. Additionally, it
provides candidates a positive recruiting experience that
will strengthen their employer brand.
“
We are guided by our
mission to unlock
professional potential,
to create a level playing
eld and to help
companies build the
best teams they can
|February 2020 33

36. The Moms Co.
Offering Natural Products for New Moms and their Babies
ne of the most important phases of a woman’s life
Ois pregnancy, and giving birth to a child is
undoubtedly an emotional moment. During this
entire course of time, a woman goes through numerous
changes internally as well as externally. In this phase, the
woman goes through a lot of hormonal changes which can
alter the emotions of the woman.
Craving for a specific food item at three o’clock in the
morning to getting nauseous because of it the next moment,
a woman has to deal with a lot of emotions. At times, the
mother has to compromise everything she likes so that the
baby is safe and healthy.
During pregnancy, women are advised to avoid the
application of any chemical products on any body part,
there are little options available for natural products. This
same reason gave rise to The Moms Co. which helps
pregnant women, moms and babies through its natural-
based products.
The Moms Co. provides products to new moms, moms-to-
be and babies. Its products are Australian certified toxin-
free and made safe. The products are also Australian
Allergy Certified which are natural, safe and effective.
The Journey
The Moms Co. was Malika Sadani’s idea. She is the
Founder of the company. The idea of the company is truly
based on her personal experience during her pregnancy.
Malika faced a deeply concerning problem when her first
daughter got a skin reaction and she could not find a natural
product.
Malika faced a similar problem with her second daughter.
She further talked to other mothers and found out they also
faced the problem of not having a safer and all natural-
based products. That’s when she came up with The Moms
Co.
Before The Moms Co, Malika was working as a banker.
She completed her engineering and further pursued a degree
in management. An expert in her own right, Malika feels
she has always been an obsessive mother. She believes
there are many moms like her who want the best for
themselves and their babies.
Range of Products
There is a vast range of products offered by The Moms Co.
to its customers. Currently, the product range is divided into
5 groups: Pregnancy, Baby Care, Hair Care, Face Care and
Skin Care.
• Pregnancy: During pregnancy, a woman goes through
various changes due to hormonal effects. The Moms Co.
provides products depending on the problems faced by
the expecting mother. The products are divided on the
trimesters as well as specified to certain problems. It has
Founder
Malika Sadani
February 2020|34

37. products for problems like dryness, damaged hair,
morning sickness, etc.
• Baby Care: Baby care products are generally based on
the age of the baby. Apart from this, the products are
available on problems like skin dryness or redness,
mosquito protection, etc. The company also offers
different types of oils, moisturizers and hair care
products.
• Hair Care: Many women during the pre-birth and post-
birth phases go through a high rate of hair loss. Focusing
on this concern, The Moms Co. offers hair oils, hair
masks, hair protein, shampoo, conditioner, serum, etc.
Depending upon the hair condition, the company also
offers specific types of hair repair kits.
• BFace Care: The face is one of the sensitive skin areas.
During the pre and post-pregnancy period, the face skin
gets deteriorated. Hence, The Moms Co. makes products
that restore the suppleness and rejuvenates the skin.
• Skin Care: A mother of a newborn generally faces
problems like stretch marks, dryness and itchiness.
Taking care of these issues, The Moms co. makes
products like oils, body butter, body wash, lotions and
creams.
Certified Products
The Moms co. follows a standardized procedure for
manufacturing its products. Malika says, “All our facilities
are GMP (Good Manufacturing Practices) compliant and
follow safety measures to ensure we create the safest
products for moms and babies. The ingredients that are
used in our products are chosen once we’re sure that they
meet various international standards across Europe, the
USA, Canada, Japan and Australia.”
The ingredients are validated against international toxicity
databases such as Environmental Working Group, Made
Safe, Paula’s Choice, etc. This is followed by extensive
safety tests to ensure product stability and that they are free
of microbes. The products are then clinically tested by
expert dermatologists to ensure that they are non-irritant
and safe to use on sensitive skin.
The products are screened by FDA and Safe Cosmetics
Australia. All the tests for harmful substances like
carcinogens, parabens, heavy metals, GMOs, neurotoxins,
developmental toxins, reproductive toxins, etc are done.
Awards and Recognition
The Moms Co.’s products have won the trust of many
moms, and also awards across numerous categories.
Namely, Kids Stop Press - India’s foremost parenting
website has recognized the company as Best Emerging
Skincare Brand in 2018 and Best Mommy Venture for Kids
in 2017. Its Natural Body Butter was adjudged the best
body cream by Cosmopolitan Beauty Awards 2019.
Apart from that, Malika was awarded BW 40 Under 40
Achievers Award 2019 and Exceptional Woman of
Excellence by Women Economic Forum 2019. Furthermore,
Malika and her team will keep on protecting mothers and
their babies from harsh chemical products by their constant
up-gradation of these natural products.
“
We are a brand
that is truly a
mom’s partner
on their
journey into
motherhood
|February 2020 35

38. EXPLORING THE UPCOMING
TRENDS IN THE TECHNOLOGY FOR
FINANCIAL SERVICES MARKET
Nikee Sheth is the Co-
founder and Director - Sales
of CA BIZNet. She started her
professional journey in a CA
firm 5 years back and has
worked closely with clients to
understand the financial and
taxation systems in India. She
understands the challenges
faced by SMEs and
corporates as far as finances
and compliances are
concerned. Nikee
understands their needs in
depth. She helps corporates
to improve efficiency and
effectiveness in their
finances. Nikee co-founded,
an online platform for
businesses to connect to the
right professionals for their
works. CA BIZNet is improving
the efficiency in the system
and also redistributing work
in the best manner. The
company is helping
professionals to grow their
practice by getting work as
per their specialisation and
also collaborating with other
professionals.
ABOUT THE AUTHOR
Nikee Sheth
Co-founder & Director
Sales of CA BIZNet.
February 2020|36

39. e are very fortunate for
Wliving in the golden age
of business. We have
witnessed rapid innovation and
technological advancements which
have changed the online business
including business-to-business (B2B)
eCommerce.
B2C Ecommerce industry has grown
to enormous levels in last few
decades but same cannot be said
about B2B Ecommerce. In B2B
ecommerce space, things have
moved little slowly as compared to
its potential. B2B Ecommerce
companies can really explore the
possibilities as there is lot of interest
and participation expected from
clients. There are new innovative and
interesting developments every day
in this field which need to be taken
benefit of. Ecommerce has made
things easy, fast and any service can
be availed on few clicks sitting at
home or office. It's totally hassle free.
There are many interesting features
like discounts, referral schemes, easy
referring to others, gifting to others
which has caught the fancy of clients.
Today we will explore the
opportunities and challenges for
financial services like Chartered
Accountants services, Company
Secretaries and lawyer’s services in
Online market. We feel lot of
efficiencies can be achieved if these
services can be offered and availed
online. Professionals using B2B
ecommerce platforms will
undoubtedly have a great advantage
over their competitors.
Right now professionals get business
on referral basis and word of mouth
which is slow & inefficient and may
be faulty in some cases. If Trust can
be taken care of, online connecting
can be boom to this industry. Also
these efficiency benefits can be
partially transferred to clients as well
in form of discounts.
Today businesses connect to
professionals through close contacts
like friends or business contacts.
These contacts themselves have
limited knowledge about specialities
of professionals. So
recommendations are not 100% sure.
Data is not easily available. If the
data can be made available over
some platform, efficiency will
increase and large scale redistribution
of work will happen. Only issue
remains is of Trust, which can be
built by many tools available like
robust profiles, public rating of
professionals.
Opportunities
Let’s start with opportunities first.
Let’s understand various aspects of
technology which can be utilised
with great effect.
Artificial Intelligence (AI)
Artificial Intelligence was first
discovered in 1950s and drives the
E-commerce Industry today. It has
great impact on how ecommerce is
done today. Whether it is automation
of routine works or obtaining
powerful insights into huge data or
quick real time decision making, AI
can help. Use of Chatbots,
personalised searches, finding fake
reviews or profiles are few examples
of use of AI in online market.
Chatbots is the powerful example of
how efficiency and speed is possible
in response to customers’ queries. It
has reduced support costs in
businesses which earlier were huge.
Voice search and visual search is
seeing lot of innovations and great
use in business. Today everyone is
aware of google voice search,
Astute Thoughts
Amazon Echo which use voice
search so well.
Machine Learning
Machine learning is helping
businesses to learn more and quickly
about customer behaviours and their
needs, making right services
available to them and helping
businesses to earn more. This data
gathering happens in real time and
more customised and personal
offerings to clients are possible. It
gives clients more delight.
Data Analytics
Frankly, we have tremendous
opportunities to achieve better
intelligence and in turn, provide
better services to the clients. Data
analytics has made a great progress
where machine can find patterns,
trends. It will help businesses to get
Best quality services at Best Prices.
Finding Right Professional
Candidates will be far easier. Public
opinions can be taken by way of
Surveys in Real Time.
Seamless Payment Process
Daily progress is made towards
Payments related safety and security
and it is making customers get more
confidence to do online payments
and it is helping businesses to earn
more sales online. Concepts of E-
wallets and discount coupons, gift
cards are adding to user delight, and
are driving more and more clients to
online portals.
Cloud Technology
Cloud technology has made major
inroads and it has made integrations
with CRMs and company ERP
possible giving further boost to use
of online portals.
|February 2020 37

40. All time online
Customers are getting the services
round the clock. Professionals are
available 24/7/365. Services are
updated faster. Clients can avail
almost anything online at any time.
Dashboards
B2B E-commerce companies can
build customized dashboards for
their clients which will provide
much-needed data-points and service
recommendations.
With so many innovations, online
financial services market can grow
manifold in near future. Professionals
who understand this and come online
will have fantastic growth quickly.
Challenges
B2B Ecommerce has made some
progress but there are many
challenges which need to be tackled.
It has not yet achieved its full
potential. If the challenges are
handled well, we will see a huge
surge in online market for B2B
financial services. It has become
somewhat difficult for businesses
offering services online to keep up
with the competition, speed of
innovation and needs of
contemporary business buyers.
Professional service providers are
facing following challenges in doing
so.
Complex implementations
Online portals need complex
implementation and knowhow is still
not wide spread and easily available.
That customer-specific and complex
services information resides not only
in the software, but also in the minds
of the sales and service
representatives, some of whom are
retiring. Companies that are working
on integrating and making this data
more accessible for their team and
their clients, will continue to grow in
the future.
Change in Mindset
Businessmen in remote places are
still in old mindset and they need to
be made aware of new technologies.
It needs commitment from higher
level management and enough
investments in future. It goes beyond
IT department. Trust needs to be
created in their mind by making them
aware of safety and security of online
portals.
Focus on Clients
Blind focus only on ecommerce
platform is wrong, central focus
should be creating an environment
for clients. One cannot follow
competitors for name sake. Just
having big technologies without its
proper application is not going to
help. It’s critical to maintain a unified
view of customer data which is a
core element of B2B eCommerce
success.
Importance of Marketing
The successful businesses which are
growing and moving forward with
e-commerce are the ones which are
using modern marketing tools with
data at its core to really learn about
who their clients are and how they
like to avail financial services.
Technical staff
Online technology is relatively a
recent one and not enough technical
staff is available. Attracting and
retaining the top talent needed to
manage an increasingly complex
customer experience ecosystem, is a
big challenge. Continuous updation
of new innovations is required.
Multiple channels
In online marketplace there are
multiple channels for service
offerings. It is a big struggle to
maintain consistency in pricing and
ensuring a consistent brand
experience across multiple channels.
Rapid growth in use of digital
channels has complicated how we do
business. At the same time no one
can avoid it as competitors have
adopted it, so to be in competition
one has to learn it. There is
continuous Struggle to grow market-
share for our services. Businesses
need to ensure that technologies are
seamlessly working together with
current systems such as ERP and
CRM.
Conclusion
Technology’s role in e-commerce is
unavoidable. It is the basis of
E-commerce, right from its birth to
every development on continuous
basis in the industry. In fact, almost
75% of Businesses who currently use
a B2B eCommerce platform reported
a sales lift of 15-20% or more, and
three out of four businesses have
seen large increases in order value
through the use of their B2B
platform.
Large scale of Redistribution of
financial professionals work will be a
great advantage to business. If trust
can be built in online markets,
business will be far efficient and
effective. If health industry can have
online platforms, financial services
industry too can come online. If that
happens, there will be better
utilisation of resources and it will
result into better Economy.
February 2020|38

42. YuluPedaling towards a Pollution-free Future
ow many times have we stepped out and seen
Htransport from the old-school point of view? The
kind of transport that is not only efficient and
budget-friendly but also helpful for the environment as
well. It was probably a decade or two ago where people
utilized more of public transport or used bicycles to travel.
This very aspect is required today, as the environment is in
a dire need of a break from pollution.
Comprehending this necessity of protecting and saving the
environment, several conglomerates have devised
sustainable technologies and solutions. One company in
particular, with a vision of reducing traffic congestion and
related pollution by providing a scalable, affordable,
efficient and clean solution is Yulu.
Founded in the year 2017, Yulu aims to transform the very
crux of commuting. UMaaS or Urban Mobility as a Service
is the concept that involves budget-friendly and shareable
solutions that individuals can use for short-distance travel.
This is the basis on which the company has been built and
has its operations in cities such as Bangalore, Pune, Greater
Mumbai, Bhubaneswar, and Delhi.
Recently, the company has received Series A funding from
Bajaj and have also attained a partnership with Uber. Today,
Yulu on ahas the largest fleet of shared vehicles and is
journey to build the largest Electronic Vehicle (EV) ride-
sharing system in India while aiming for an eco -friendly
commute.
Eco-friendly Travel Options
The firm's passion for design in amalgamation with
innovation within an urban scenario led them to come up
with this unique idea. It needed to involve the benefit of
traveling in cities where it has started taking half an hour to
scale shorter distances of less than 2 kms. The makers
decided to bring in a sharing-friendly smart bicycle, namely
the Yulu Move, where local cultural suitability played a
significant part.
Alternatively, the company eventually decided to add one
of the most preferred modes of transport in every modern
city – the e-bike. The company came up with a lightweight
battery-operated two-wheeler that is easy to ride named, the
Yulu Miracle. It has a maximum speed of 25 kmph which
exempts it from being required to have a license or a
helmet. This two-wheeler also contains a swappable
lithium-ion battery. Yulu has also built a highly scalable
network of charging stations.
The two-wheelers consisting of bicycles and electric
powered vehicles also use the latest technologies such as
Internet of Things (IoT), Machine Learning (ML), and
Artificial Intelligence (AI) to function efficiently. This
February 2020|40
Amit Gupta
Co-founder & CEO
R. K. Mishra
Co-founder &
President Ecosystem Partnerships
Naveen D
Co-founder & CTO
Hemant Gupta
Co-founder &
Chief of Operations

43. initiative has further encouraged people to opt for this
affordable option that is working to rapidly reduce carbon
footprint.
Elaborating Further on the Concept
Yulu has currently been changing how Indian citizens travel
around the city and also stays true to its root cause of
ensuring no harm to the environment. The bigger cities are
majorly intrigued by this initiative and have been adopting
it with much ease. Yulu vehicles are dock-less and can be
rented on a pay per use basis. Its simplicity is portrayed by
the easy bookings via iOS or Android apps that take only a
couple of minutes and one only needs to scan the QR code
to unlock them.
About the Innovators Extraordinaire
It took the collective efforts of four individuals to bring a
revolution into the environment-friendly travel category. A
graduate of IIT Kanpur, Amit Gupta has also earned the
prestigious Distinguished Alumni Award. He then went on
to be the co-founder of a billion-dollar start-up called
InMobi and played a key role in ensuring its profits and
expansion to over 15 countries. Following this, he then
moved on to be the Co-Founder and CEO of Yulu.
With a similar interest and passion for creating sustainable
travel options, R. K. Mishra took on the role of Co-
Founder and President Ecosystem Partnerships at the
company. In the past, he has also founded Tent
Technologies which was sold to Hughes. He also holds
association with various organizations such as Carnegie
India, Center for Smart Cities (Founder), SAHYOG
(Founder), and Karnataka CM's Vision Group. On the
academic front, Mr. Mishra graduated from IIT Kanpur and
also holds a master's degree from Tokyo University.
Naveen D is the Co-founder and CTO of Yulu and is also
a graduate from IIT Kanpur. He also holds a master's degree
in computer graphics from the Gwangju Institute of Science
and Technology, South Korea. His immense technical
background has been helpful in the implementation of
ML/AI and IoT into the functioning of the company. His
past work experience involves the position of a Technical
Director for Data Analytics at BIAS Corporation and he
also co-founded Learnora an online education platform.
With 14 years of professional experience, Hemant Gupta
took on the role of the fourth Co-founder and Chief of
Operations of Yulu. He has an MBA from Symbiosis, Pune
and joined A.P Moller-Maersk as a part of their highly
acclaimed global talent management program.
Accolades and Accomplishments
Being a part of the start-up community is always
challenging and it takes immense efforts to ride to the top.
Since its inception, Yulu has earned various awards for its
unique and budget-friendly concept. Popular business
magazine Entrepreneur India bestowed Yulu with the award
for the Emerging Startup of the Year. It was also awarded
the titles of the Coolest Start-Up of the Year by Business
Today, Most Innovative Startup by Inc42 and Cypher –
Great Data Science Awards 2019 for AI implementation in
Mobility. Yulu with its bikes and two-wheelers is working
towards creating a cleaner and greener environment.
“
Our vision is to
decongest
urban trafc by
providing a highly
scalable, affordable,
efcient and clean
mode for the rst and
last mile connectivity
and short
distance commute
|February 2020 41

44. Zekko Tech Private Ltd
Connecting India, Transforming India
ndia has seen a dream of Digital India. From the
Ilatest science to technology, everything should be
available at the tip of one’s finger.” – Shri. Narendra
Modi, Prime Minister of India
The Prime Minister of India launched ‘Digital India’ in
2015. Since its inception, India is strongly moving
forward towards progress. It has provided immense
opportunities to already existing companies and
empowered aspiring individuals to take a step towards
their dreams. Today, these visionaries have established
some of the prominent companies in India. Among them,
Zekko Tech Private Ltd is one leading startup,
committed to provide timely, customized, integrated, and
cost-effective solutions.
The company’s vision is ‘To be a successful global
technology solution provider, trusted by its customers for
its solution, delivery excellence, caring for its employees
and collaborating with all out customers to deliver
innovative, cost-effective and value-driven technology
solutions’.
Zekko aims to provide end-to-end solutions in
Telecom/Enterprise/IT/Industrial Automations/ Public
WiFi Solutions and other allied sectors that exceed
customer’s expectations. Its solutions enable businesses
to build a powerful, secure and reliable communication
network, thereby improving their product, Quality and
service levels.
Its Unique Services
Zekko Tech Private Ltd was founded by eager and like-
minded brains with diverse industrial backgrounds and
rich collective experience of over 150+ years. These
passionate innovative minds were united by an
unquenchable thirst with a vision of standing by, for
'Digital India Smart India Revolution’.
Established in 2016, the young and youthful startup with
3+ years of experience aggressively targets large
corporates and MSME enterprises, Smart City projects,
etc. Its unique, cost-effective telecom, enterprise,
industrial automation & networking, smart cities, public
wifi solutions and healthcare solutions are tailored to
meet its customer’s exact needs. Along with these, the
company provides procurement and supply chain
consulting, strategic marketing research, which helps its
clients to protect bottom-line up profits and front-line
services.
Zekko ensures that its solutions are designed to suit
customer’s needs, simple in architecture and easy to
operate for years to come. To ensure reliability, the
company sources components from industry leaders
across the globe and integrates as per the design. Thus,
Zekko creates technological and innovative advanced
Founder
Mr. Chandrasekaran Iyer
”
February 2020|42

45. solutions for the customer, which takes care of their
future tech and business growth.
The Industry Expert
Leading a company of passionate individuals who are
committed for the betterment of the Nation’s future,
requires personalities who firmly believe in the abilities
of these young minds. These individuals use their years
of experience to help the next generation in their
endeavors. Zekko’s brainchild-cum-founder Mr.
Chandrasekaran Iyer is one such dynamic personality
who, with diverse experience, is leading Zekko and its
team towards excellence.
Mr. Iyer has over two decades of hands-on experience in
the field of telecommunication with the renowned
industry giants and more than a decade of experience in
Research and Development. After the Indian
government’s revolutionary Digital India initiative, he
was triggered to venture out, to synergize India's growth
path towards Digitalization. This venture was conceived
in the form of Zekko.
After the emergence of advanced technologies, he felt it
is important to pitch his expertise to industry stalwarts.
This allowed him a path of exploration and helped him
connect to his worldwide contacts to elevate the
digitalization and IoT era in India.
A Promising Future
Though being an established solution provider in the
telecom industry, Zekko is developing innovative
solutions to enter a varied range of business verticals. In
2020, the company plans to provide its services for EV
Charging Solutions, IoT based Industrial charging,
automation solutions and Public WiFi Solutions. The
company has started to heavily invest in the development
of innovative fast-charging solutions for Electric
Vehicles and IoT based industrial charging solution.
Zekko desires to equip the country’s youth to combat
real-world challenges. Hence, it is planning to start a
mid-size manufacturing facility & to set up a skill
development training center for young engineers and
technicians.
The company aims to support, train and develop a
minimum of 5000+ resources over the next five years in
futuristic technologies and opportunities. Such initiatives
will help the youth to identify the right opportunities in
the job market and will help future job employment
constraints.
Zekko’s founder, Mr. Iyer strongly believes that the
development of the organization lies with the youth and
they are the future of India’s development. To support
these initiatives, he is working with many organizations
and investors who also believe in his vision to transform
India to reach the height of technological excellence.
To know in brief about the company’s solutions and
services, visit: http://www.zekko.co.in/index.html
“
We target Large and
MSME Companies, Smart
cities, etc. specically with
cost-effective solutions that
allow established and
emerging businesses to
compete in product
and service levels
|February 2020 43