INSERT INTO `in_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES
(10383, 1, '2017-06-01 13:48:23', '2017-06-01 13:48:23', '', 'ln-img-11', '', 'inherit', 'closed', 'closed', '', 'ln-img-11', '', '', '2017-06-01 13:48:23', '2017-06-01 13:48:23', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2015/11/ln-img-11.png', 0, 'attachment', 'image/png', 0),
(10384, 1, '2017-06-01 13:59:02', '2017-06-01 13:59:02', '', 'ln-img11', '', 'inherit', 'closed', 'closed', '', 'ln-img11', '', '', '2017-06-01 13:59:02', '2017-06-01 13:59:02', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2015/11/ln-img11.jpg', 0, 'attachment', 'image/jpeg', 0),
(12306, 1, '2018-02-28 12:27:51', '2018-02-28 12:27:51', '', 'finposium-8', '', 'inherit', 'closed', 'closed', '', 'finposium-8', '', '', '2018-02-28 12:29:05', '2018-02-28 12:29:05', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/02/finposium-8.jpg', 0, 'attachment', 'image/jpeg', 0),
(10391, 1, '2017-06-02 06:04:36', '2017-06-02 06:04:36', '', 'ln-icon12', '', 'inherit', 'closed', 'closed', '', 'ln-icon12', '', '', '2017-06-02 06:04:36', '2017-06-02 06:04:36', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/06/ln-icon12.png', 0, 'attachment', 'image/png', 0),
(10392, 1, '2017-06-02 06:04:38', '2017-06-02 06:04:38', '', 'ln-icon13', '', 'inherit', 'closed', 'closed', '', 'ln-icon13', '', '', '2017-06-02 06:04:38', '2017-06-02 06:04:38', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/06/ln-icon13.png', 0, 'attachment', 'image/png', 0),
(10395, 1, '2017-06-02 06:42:39', '2017-06-02 06:42:39', '', 'ln-img-12', '', 'inherit', 'closed', 'closed', '', 'ln-img-12', '', '', '2017-06-02 06:42:39', '2017-06-02 06:42:39', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2015/11/ln-img-12.png', 0, 'attachment', 'image/png', 0),
(10397, 1, '2017-06-02 07:02:28', '2017-06-02 07:02:28', '', 'ln-img-13', '', 'inherit', 'closed', 'closed', '', 'ln-img-13', '', '', '2017-06-02 07:02:28', '2017-06-02 07:02:28', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2015/11/ln-img-13.jpg', 0, 'attachment', 'image/jpeg', 0),
(10398, 1, '2017-06-02 07:21:03', '2017-06-02 07:21:03', '', 'ln-img-14', '', 'inherit', 'closed', 'closed', '', 'ln-img-14', '', '', '2017-06-02 07:21:03', '2017-06-02 07:21:03', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2015/11/ln-img-14.png', 0, 'attachment', 'image/png', 0),
(12300, 1, '2018-02-28 12:03:24', '0000-00-00 00:00:00', '[vc_row equal_height=\"yes\" el_id=\"first-section\" inner_container=\"no\" type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" padding_bottom=\"0\" fixed_height=\"899px\" bg_image=\"10072\"][vc_column][vc_row_inner inner_container=\"yes\" min_height=\"899px\" bg_pos_h=\"center\" bg_pos_v=\"top\" css=\".vc_custom_1488466522945{background-position: 0 0 !important;background-repeat: no-repeat !important;}\" el_id=\"white-triangle1\"][vc_column_inner offset=\"vc_col-lg-4 vc_col-md-8 vc_col-xs-12\"][kleo_gap size=\"120px\" visibility=\"visible-xs\"][kleo_gap size=\"160px\" visibility=\"visible-sm\"][kleo_gap size=\"200px\" visibility=\"visible-md,visible-lg\"][vc_custom_heading text=\"MHARO DIGI JAIPUR\" font_container=\"tag:h1|font_size:36px|text_align:left|color:%23ffffff|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" letter-spacing=\"75\"]With a formal agreement with the Government of Rajasthan in place, Catalyst is set to operationalize its very first digital payments lab in Jaipur, a tier 2 city with a 3 million plus population, over 65,000 registered small merchants, and a likely equal number of informal ones. Using a combination of new technologies, business models, and institutional innovations, Catalyst seeks to help Jaipur’s small merchants and low-income consumers move towards a less cash economy.[/vc_column_text][kleo_button title=\"Watch Video\" href=\"https://www.youtube.com/watch?v=jOkQfM-05fI?rel=0\" style=\"custom\" border_width=\"1px\" position=\"left\" size=\"lg\" special=\"no\" icon=\"0\" font_size=\"14px\" letter_spacing=\"\" custom_background=\"#d01f3c\" custom_bg_hover=\"#ffffff\" custom_text=\"#ffffff\" custom_text_hover=\"#d01f3c\" custom_border=\"#d01f3c\" custom_border_hover=\"#d01f3c\"][/vc_column_inner][vc_column_inner offset=\"vc_col-lg-3\"][/vc_column_inner][vc_column_inner offset=\"vc_col-lg-4 vc_col-md-4 vc_col-xs-12\"][kleo_gap size=\"213px\" visibility=\"visible-xs,visible-sm\"][kleo_gap size=\"634px\" visibility=\"visible-md,visible-lg\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"services\" type=\"image\" bg_repeat=\"repeat\" padding_top=\"\" padding_bottom=\"\" bg_image=\"7841\"][vc_column][kleo_magic_container position=\"absolute\" top=\"0px\" left=\"50%\" min_height=\"521px\" width=\"2560px\" css=\".vc_custom_1488466799088{margin-left: -1145px !important;background-position: 0 0 !important;background-repeat: no-repeat !important;}\"][/kleo_magic_container][vc_row_inner equal_height=\"yes\" css=\".vc_custom_1493182022032{margin-bottom: 20px !important;padding-top: 5% !important;padding-right: 5% !important;padding-left: 5% !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][vc_column_inner css=\".vc_custom_1486361714089{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"BUILDING A LESS CASH ECOSYSTEM\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23d11e3c|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][kleo_gap size=\"50px\"][vc_single_image image=\"8710\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#ffffff\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" bg_image=\"7841\"][vc_column][vc_row_inner disable_element=\"yes\" css=\".vc_custom_1486740259037{margin-top: 4% !important;margin-bottom: 4% !important;}\" el_class=\"phide\"][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"MERCHANT FOCUSED\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23d11e3c|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][vc_single_image image=\"8712\" img_size=\"full\" alignment=\"center\" full_width=\"yes\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1486736008844{background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;}\"][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"CONSUMER FOCUSED\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%232e3844|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][vc_single_image image=\"8713\" img_size=\"full\" alignment=\"center\" full_width=\"yes\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\"][/vc_column_inner][/vc_row_inner][vc_row_inner disable_element=\"yes\" css=\".vc_custom_1488892662938{margin-top: 4% !important;margin-bottom: 4% !important;}\" el_class=\"phide\"][vc_column_inner][vc_custom_heading text=\"MERCHANT FOCUSED SOLUTIONS\" font_container=\"tag:h2|font_size:36px|text_align:left|color:%23d11e3c|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_single_image image=\"9688\" img_size=\"full\" alignment=\"center\" full_width=\"yes\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1488466380830{padding-right: 8% !important;padding-left: 8% !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;}\"][/vc_column_inner][/vc_row_inner][vc_row_inner disable_element=\"yes\" css=\".vc_custom_1488892671602{margin-bottom: 2% !important;}\" el_class=\"phide\"][vc_column_inner][vc_custom_heading text=\"CONSUMER FOCUSED SOLUTIONS\" font_container=\"tag:h2|font_size:36px|text_align:left|color:%232e3844|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_single_image image=\"9689\" img_size=\"full\" alignment=\"center\" full_width=\"yes\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1488466432595{padding-right: 8% !important;padding-left: 8% !important;}\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"30px\"][/vc_column][/vc_row][vc_row full_height=\"yes\" content_placement=\"middle\" disable_element=\"yes\" front_status=\"draft\" text_align=\"center\" text_color=\"#ffffff\" type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.3\" padding_top=\"0\" padding_bottom=\"0\" padding_left=\"0\" padding_right=\"0\" bg_image=\"8815\"][vc_column][kleo_gap size=\"100px\"][vc_row_inner][vc_column_inner width=\"1/2\"][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"MHARO DIGI JAIPUR\" font_container=\"tag:h2|font_size:26px|text_align:right|color:%23ffffff|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<p style=\"text-align: right;\">Catalyst will combine new technology, business models, and innovations to help merchants and consumers (in particular the poor and disadvantaged) to move towards a cashless economy in Jaipur. The pilot will conduct tests on 4 themes. Firstly, aiming to convert the flow of wage accounts in the informal sector from cash to digital. Secondly, incentivizing and strategizing the consumers to use digital accounts. Thirdly, developing innovative business models for the merchants to reduce their cost of conducting business. Lastly, it aims to digitize the collections of consumer brands and distributors.</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][kleo_gap size=\"40px\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" disable_element=\"yes\" front_status=\"draft\" type=\"color\" column_gap=\"no\" padding_top=\"0\" padding_bottom=\"0\"][vc_column z_index=\"10\" css=\".vc_custom_1454348779620{margin-top: -40px !important;background-color: #ffffff !important;}\" offset=\"vc_col-lg-offset-1 vc_col-lg-10 vc_col-md-offset-1 vc_col-md-10 vc_col-xs-12\"][vc_row_inner equal_height=\"yes\" css=\".vc_custom_1486736955520{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;}\"][vc_column_inner width=\"1/2\" offset=\"vc_col-lg-6 vc_col-md-6 vc_col-xs-12\" css=\".vc_custom_1486736476424{padding-right: 5% !important;padding-left: 5% !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][kleo_gap][vc_custom_heading text=\"EXPECTED OUTCOMES\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23d11e3c|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#373a3a\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<ul class=\"pclist-red\">\r\n 	<li>Conversion of the flow of wage accounts in the informal sector from cash to digital</li>\r\n 	<li>Incentivization of consumers to use digital accounts</li>\r\n 	<li>Development of innovative business models for the merchants to reduce their cost of conducting business</li>\r\n 	<li>Digitization of the collections of consumer brands and distributors</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\" offset=\"vc_col-lg-6 vc_col-md-6 vc_col-xs-12\" css=\".vc_custom_1486736764466{padding-right: 5% !important;padding-left: 5% !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][kleo_gap][vc_custom_heading text=\"OPERATIONAL APPROACH\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23d11e3c|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#373a3a\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<ul class=\"pclist-red\">\r\n 	<li>Engage operational partners to design and implement a range of needs-based solutions for the “last mile,” including technologies, business models, marketing and distribution mechanisms, demand creation strategies as well as enabling policies and regulations</li>\r\n 	<li>Leverage a ground-level operational team to optimize, validate and coordinate these interventions using rapid cycle, iterative learning methodologies</li>\r\n 	<li>Develop, disseminate and institutionalize a sustainable and replicable implementation template for broader scale up</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"specialities\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.3\" column_gap=\"no\" padding_top=\"\" padding_bottom=\"\" margin_top=\"-40px\" bg_image=\"10073\"][vc_column][kleo_gap size=\"150px\"][kleo_gap size=\"150px\"][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#f8f8f8\" column_gap=\"no\" padding_top=\"0\" padding_bottom=\"0\"][vc_column z_index=\"10\" css=\".vc_custom_1454348779620{margin-top: -40px !important;background-color: #ffffff !important;}\" offset=\"vc_col-lg-offset-1 vc_col-lg-10 vc_col-md-offset-1 vc_col-md-10 vc_col-xs-12\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\" css=\".vc_custom_1454272966774{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;}\"][vc_column_inner width=\"1/2\" offset=\"vc_col-lg-7 vc_col-md-7 vc_col-xs-12\" css=\".vc_custom_1486038720570{padding-right: 5% !important;padding-left: 5% !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][kleo_gap][vc_custom_heading text=\"MERCHANT ACCEPTANCE AT SCALE\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23d11e3c|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#373a3a\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<ul class=\"pclist-red\">\r\n 	<li>Target small &amp; micro merchants, individual service providers, and home-based businesses for digital payment acceptance</li>\r\n 	<li>Promote interoperable and low-cost payment solutions (UPI, aggregators, mPOS) relevant to merchant type</li>\r\n 	<li>Create mechanisms to educate and payments enable transacting consumers either directly or through merchants themselves</li>\r\n 	<li>Drive awareness and financial literacy as well as establish mechanisms of trust and consumer protection for sustained use</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\" offset=\"vc_col-lg-5 vc_col-md-5 vc_col-xs-12\" css=\".vc_custom_1486038734347{padding-right: 0px !important;padding-left: 0px !important;background-image: url(http://cashlesscatalyst.org/wp-content/uploads/2016/12/jaibur-img-1.jpg?id=8796) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][kleo_gap size=\"200px\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" content_placement=\"middle\" css=\".vc_custom_1454350387279{margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;}\"][vc_column_inner width=\"1/2\" offset=\"vc_col-lg-7 vc_col-md-7 vc_col-xs-12\" css=\".vc_custom_1489123884253{padding-right: 0px !important;padding-left: 0px !important;background-image: url(http://cashlesscatalyst.org/wp-content/uploads/2015/11/dpl2.jpg?id=9124) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][kleo_gap size=\"200px\"][/vc_column_inner][vc_column_inner width=\"1/2\" offset=\"vc_col-lg-5 vc_col-md-5 vc_col-xs-12\" css=\".vc_custom_1486043036709{margin-bottom: 5px !important;padding-right: 5% !important;padding-left: 5% !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][kleo_gap][vc_custom_heading text=\"CREDIT AND OTHER VALUE ADDED SERVICES AS A HOOK\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23d11e3c|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#373a3a\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1488792130265{margin-bottom: 0px !important;}\"]\r\n<ul class=\"pclist-red\">\r\n 	<li>Roll out new business models to use credit as an incentive for merchants to adopt digital payments</li>\r\n 	<li>Create mechanisms to connect customer facing service providers and digital lenders to expand access to credit for small merchants and consumers in a safe and sustainable manner</li>\r\n 	<li>Test impact of rewards, rebates, EMI and other value added services on adoption of digital payments</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"specialities\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.3\" column_gap=\"no\" padding_top=\"\" padding_bottom=\"\" margin_top=\"-40px\" bg_image=\"10075\"][vc_column][kleo_gap size=\"150px\"][kleo_gap size=\"150px\"][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#f8f8f8\" column_gap=\"no\" padding_top=\"0\" padding_bottom=\"0\"][vc_column z_index=\"10\" css=\".vc_custom_1454348779620{margin-top: -40px !important;background-color: #ffffff !important;}\" offset=\"vc_col-lg-offset-1 vc_col-lg-10 vc_col-md-offset-1 vc_col-md-10 vc_col-xs-12\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\" css=\".vc_custom_1454272966774{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;}\"][vc_column_inner width=\"1/2\" offset=\"vc_col-lg-7 vc_col-md-7 vc_col-xs-12\" css=\".vc_custom_1486038720570{padding-right: 5% !important;padding-left: 5% !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][kleo_gap size=\"50px\"][vc_custom_heading text=\"DIGITIZE MERCHANT SUPPLY CHAINS\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23d11e3c|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#373a3a\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<ul class=\"pclist-red\">\r\n 	<li>Digitize large distributor collections from small retailers and businesses</li>\r\n 	<li>Aggregate across smaller brands &amp; distributors to digitize and compress the order-to-fulfillment cycle, including B2B payments</li>\r\n 	<li>Rollout integration of value added services like credit, cash flow, tax management and accounting solutions</li>\r\n</ul>\r\n[/vc_column_text][kleo_gap size=\"32px\"][/vc_column_inner][vc_column_inner width=\"1/2\" offset=\"vc_col-lg-5 vc_col-md-5 vc_col-xs-12\" css=\".vc_custom_1489130836576{padding-right: 0px !important;padding-left: 0px !important;background-image: url(http://cashlesscatalyst.org/wp-content/uploads/2015/11/supply-chain.jpg?id=9963) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][kleo_gap size=\"200px\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" content_placement=\"middle\" css=\".vc_custom_1454350387279{margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;}\"][vc_column_inner width=\"1/2\" offset=\"vc_col-lg-7 vc_col-md-7 vc_col-xs-12\" css=\".vc_custom_1487671082489{padding-right: 0px !important;padding-left: 0px !important;background-image: url(http://cashlesscatalyst.org/wp-content/uploads/2015/11/dpl1.jpg?id=9123) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][kleo_gap size=\"200px\"][/vc_column_inner][vc_column_inner width=\"1/2\" offset=\"vc_col-lg-5 vc_col-md-5 vc_col-xs-12\" css=\".vc_custom_1486038761002{padding-right: 5% !important;padding-left: 5% !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][kleo_gap size=\"50px\"][vc_custom_heading text=\"DIGITAL PAYMENTS FOR TRANSPORT\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23d11e3c|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#373a3a\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<ul class=\"pclist-red\">\r\n 	<li>Interoperable and open loop payment solution for buses, metro, autos, taxis and rickshaws inducing every day digital payment behavior</li>\r\n 	<li>Technology solutions in accordance with transaction speed needs</li>\r\n</ul>\r\n[/vc_column_text][kleo_gap size=\"6px\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"specialities\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.3\" column_gap=\"no\" padding_top=\"\" padding_bottom=\"\" margin_top=\"-40px\" bg_image=\"10076\"][vc_column][kleo_gap size=\"150px\"][kleo_gap size=\"150px\"][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#f8f8f8\" column_gap=\"no\" padding_top=\"0\" padding_bottom=\"50\"][vc_column z_index=\"10\" css=\".vc_custom_1454348779620{margin-top: -40px !important;background-color: #ffffff !important;}\" offset=\"vc_col-lg-offset-1 vc_col-lg-10 vc_col-md-offset-1 vc_col-md-10 vc_col-xs-12\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\" css=\".vc_custom_1454272966774{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;}\"][vc_column_inner width=\"1/2\" offset=\"vc_col-lg-7 vc_col-md-7 vc_col-xs-12\" css=\".vc_custom_1486038720570{padding-right: 5% !important;padding-left: 5% !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][kleo_gap size=\"50px\"][vc_custom_heading text=\"DIGITIZE INCOME FOR LOW WAGE EARNERS\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23d11e3c|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#373a3a\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<ul class=\"pclist-red\">\r\n 	<li>Wage digitization of informal and contract workers with annual income less than INR 2 lakhs</li>\r\n 	<li>Low cost and easy to deploy solutions for employers while enabling employees to pay digitally with easy access to cash</li>\r\n</ul>\r\n[/vc_column_text][kleo_gap size=\"32px\"][/vc_column_inner][vc_column_inner width=\"1/2\" offset=\"vc_col-lg-5 vc_col-md-5 vc_col-xs-12\" css=\".vc_custom_1486040690329{padding-right: 0px !important;padding-left: 0px !important;background-image: url(http://cashlesscatalyst.org/wp-content/uploads/2016/12/jaibur-img-3.jpg?id=8803) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][kleo_gap size=\"200px\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" content_placement=\"middle\" css=\".vc_custom_1454350387279{margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;}\"][vc_column_inner width=\"1/2\" offset=\"vc_col-lg-7 vc_col-md-7 vc_col-xs-12\" css=\".vc_custom_1489124018123{padding-right: 0px !important;padding-left: 0px !important;background-image: url(http://cashlesscatalyst.org/wp-content/uploads/2016/12/jaibur-img-4.jpg?id=8804) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][kleo_gap size=\"200px\"][/vc_column_inner][vc_column_inner width=\"1/2\" offset=\"vc_col-lg-5 vc_col-md-5 vc_col-xs-12\" css=\".vc_custom_1486038761002{padding-right: 5% !important;padding-left: 5% !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][kleo_gap size=\"38px\"][vc_custom_heading text=\"INSTILL DIGITAL BEHAVIOR IN CONSUMERS\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23d11e3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#373a3a\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1488792401506{margin-bottom: 15px !important;}\"]\r\n<ul class=\"pclist-red\">\r\n 	<li>Cluster use cases like savings, credit, investment, insurance and pension on top of payment solutions</li>\r\n 	<li>Digitization of current financial transactions such as MFIs and chit funds</li>\r\n 	<li>Enable credit for consumers based on their digital transaction history</li>\r\n 	<li>Test innovative micro-saving and investment solutions for low income individuals</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row][vc_column][vc_basic_grid post_type=\"post\" max_items=\"-1\" style=\"lazy\" items_per_page=\"8\" show_filter=\"yes\" element_width=\"3\" orderby=\"ID\" filter_align=\"left\" item=\"10473\" grid_id=\"vc_gid:1500890280758-707090d2-5ea5-5\" taxonomies=\"50, 61\" filter_source=\"category\" exclude_filter=\"48, 10, 44, 50\" el_class=\"dpl-filter-container\"][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" column_gap=\"no\" padding_top=\"70px\" padding_bottom=\"50px\" margin_top=\"-40px\" bg_image=\"9937\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1484826151396{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">CATALYST is an initiative seeded by an alliance between the Government of India &amp; USAID, to expand digital payments and financial inclusion in India, especially for small merchants and low-income consumers.</p>\r\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\r\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'Digital Payment Lab', '', 'draft', 'closed', 'closed', '', '', '', '', '2018-02-28 12:03:24', '2018-02-28 12:03:24', '', 0, 'http://cashlesscatalyst.org/?page_id=12300', 0, 'page', '', 0),
(12297, 1, '2018-02-28 11:56:19', '2018-02-28 11:56:19', '', 'capital-float', '', 'inherit', 'closed', 'closed', '', 'capital-float-2', '', '', '2018-02-28 11:56:19', '2018-02-28 11:56:19', '', 12217, 'http://cashlesscatalyst.org/wp-content/uploads/2018/02/capital-float.png', 0, 'attachment', 'image/png', 0),
(12291, 1, '2018-02-28 11:33:56', '2018-02-28 11:33:56', '', 'digital-paymentlab-icon-24', '', 'inherit', 'closed', 'closed', '', 'digital-paymentlab-icon-24', '', '', '2018-02-28 11:33:56', '2018-02-28 11:33:56', '', 12217, 'http://cashlesscatalyst.org/wp-content/uploads/2018/02/digital-paymentlab-icon-24.png', 0, 'attachment', 'image/png', 0),
(10406, 1, '2017-06-02 09:22:38', '2017-06-02 09:22:38', '', 'ln-img-17', '', 'inherit', 'closed', 'closed', '', 'ln-img-17', '', '', '2017-06-02 09:22:38', '2017-06-02 09:22:38', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2015/11/ln-img-17.png', 0, 'attachment', 'image/png', 0),
(10407, 1, '2017-06-02 09:43:01', '2017-06-02 09:43:01', '', 'ln-img-15', '', 'inherit', 'closed', 'closed', '', 'ln-img-15', '', '', '2017-06-02 09:43:01', '2017-06-02 09:43:01', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2015/11/ln-img-15.jpg', 0, 'attachment', 'image/jpeg', 0),
(10408, 1, '2017-06-02 09:48:24', '2017-06-02 09:48:24', '', 'ln-img-19', '', 'inherit', 'closed', 'closed', '', 'ln-img-19', '', '', '2017-06-02 09:48:24', '2017-06-02 09:48:24', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2015/11/ln-img-19.jpg', 0, 'attachment', 'image/jpeg', 0),
(10410, 1, '2017-06-02 10:02:21', '2017-06-02 10:02:21', '', 'ln-img-17n', '', 'inherit', 'closed', 'closed', '', 'ln-img-17n', '', '', '2017-06-02 10:02:21', '2017-06-02 10:02:21', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2015/11/ln-img-17n.png', 0, 'attachment', 'image/png', 0),
(12293, 1, '2018-02-28 11:39:59', '2018-02-28 11:39:59', '', 'digital-paymentlab-icon-25', '', 'inherit', 'closed', 'closed', '', 'digital-paymentlab-icon-25', '', '', '2018-02-28 11:39:59', '2018-02-28 11:39:59', '', 12217, 'http://cashlesscatalyst.org/wp-content/uploads/2018/02/digital-paymentlab-icon-25.png', 0, 'attachment', 'image/png', 0),
(10412, 1, '2017-06-02 10:24:54', '2017-06-02 10:24:54', '', 'ln-img-18', '', 'inherit', 'closed', 'closed', '', 'ln-img-18', '', '', '2017-06-02 10:24:54', '2017-06-02 10:24:54', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2015/11/ln-img-18.png', 0, 'attachment', 'image/png', 0),
(12273, 1, '2018-02-28 10:48:12', '2018-02-28 10:48:12', '', 'digital-paymentlab-icon-21', '', 'inherit', 'closed', 'closed', '', 'digital-paymentlab-icon-21', '', '', '2018-02-28 10:48:12', '2018-02-28 10:48:12', '', 12217, 'http://cashlesscatalyst.org/wp-content/uploads/2018/02/digital-paymentlab-icon-21.png', 0, 'attachment', 'image/png', 0),
(12275, 1, '2018-02-28 10:51:24', '2018-02-28 10:51:24', '', 'digital-paymentlab-icon-22', '', 'inherit', 'closed', 'closed', '', 'digital-paymentlab-icon-22', '', '', '2018-02-28 10:51:24', '2018-02-28 10:51:24', '', 12217, 'http://cashlesscatalyst.org/wp-content/uploads/2018/02/digital-paymentlab-icon-22.png', 0, 'attachment', 'image/png', 0),
(12276, 1, '2018-02-28 10:51:27', '2018-02-28 10:51:27', '', 'digital-paymentlab-icon-23', '', 'inherit', 'closed', 'closed', '', 'digital-paymentlab-icon-23', '', '', '2018-02-28 10:51:27', '2018-02-28 10:51:27', '', 12217, 'http://cashlesscatalyst.org/wp-content/uploads/2018/02/digital-paymentlab-icon-23.png', 0, 'attachment', 'image/png', 0);
INSERT INTO `in_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES
(10423, 2, '2017-05-15 11:05:26', '2017-05-15 11:05:26', '[vc_row full_height=\"yes\" equal_height=\"yes\" content_placement=\"middle\" text_align=\"center\" type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"110\" padding_bottom=\"0\" bg_image=\"10320\"][vc_column][kleo_gap size=\"100px\"][vc_row_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][vc_column_inner width=\"2/3\"][vc_custom_heading text=\"DECODING JAIPUR�S\r\nDIGITAL PAYMENTS LANDSCAPE\" font_container=\"tag:h2|font_size:48px|text_align:center|color:%23ffffff|line_height:54px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<p class=\"lh30\" style=\"text-align: center;\">By Catalyst Communications Team, May 2017</p>\r\n[/vc_column_text][vc_column_text text_color=\"#ffffff\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1496299512663{margin-bottom: 0px !important;}\"]\r\n<p class=\"lh30\" style=\"text-align: center;\">Research Partners</p>\r\n[/vc_column_text][vc_single_image image=\"10321\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1496299537109{margin-top: -15px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"80px\"][kleo_gap size=\"50px\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"image\" padding_bottom=\"0\" bg_image=\"7841\"][vc_column width=\"1/2\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"5/12\"][/vc_column_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1488531456733{padding-right: 0px !important;}\"][vc_column_text letter_spacing=\"\"][addtoany][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1488531444909{padding-left: 0px !important;}\"][kleo_button title=\"Print this page\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/06/Learning-Note-Web.pdf\" target=\"_blank\" style=\"custom\" position=\"left\" size=\"lg\" special=\"no\" border=\"no\" icon=\"print\" font_size=\"16px\" letter_spacing=\"\" el_class=\"grey-icon\" custom_text=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#ffffff\" padding_top=\"20\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" <div style=\"display:none\"><a href=\"http://generics-love-tab.com/tadalafil/buy-tadasoft-40mg-in-south-africa.html\">Buy Tadasoft 40mg in South Africa</a></div> font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\"><strong>The last few months have been a watershed for the digital payments space in India</strong>. With concerted efforts from the government, as well as businesses, the landscape has seen some tectonic developments. From mobile wallets to lower cost, interoperable solutions such as UPI, Bharat QR code and Aadhar Pay, more tailor-made solutions to meet specific needs of small businesses and mass consumer segments are now seen on the horizon. Moreover, with the government announcing a budget of Rs. 495 crore to promote digital transactions using BHIM (a UPI enabled app), with a target to catalyze 25 billion digital transactions in the fiscal year ending March 2018, policy and market forces are colluding to promote a less cash economy. However, despite recent advancements, the consumption spends using digital means currently stand at a dismal 51%, making it crucial to investigate the reasons for low solution adoption.</p>\r\n<p style=\"text-align: justify;\">For India to accelerate its progress towards a less cash economy, there is a clear need to deliberate on economic, social and behavioral dependencies that steer the decision of the low-income population to adopt digital transactions. In that context, Catalyst, an initiative to accelerate adoption of digital payments in India, has formed strategic partnerships with research organisations such as People Research on India\'s Consumer Economy (PRICE), IFMR LEAD, CEGA and Ideas 42. Bringing in strong research expertise and rich insights to bear on Catalyst initiatives, these partnerships will play a substantive role in guiding Catalyst�s engagements with operational partners to design and implement a range of needs-based payment solutions for the �last mile\". They will help us get a deeper understanding on how merchants and consumers interact with financial tools, what are the barriers and what are the value propositions that induce them to transact digitally</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"Jaipur, Catalyst�s first Digital Payment Lab\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\"><strong>Adopting a unique ecosystem approach defined by local geography, Catalyst has operationalized its very first digital payments lab in Jaipur</strong> - a tier 2 city with a 3 million plus population, more than 200,000 commercial establishments, and over 75,000 informal establishments including home based and roving businesses. Using new technologies, business models, and institutional innovations, combined with rigorous research evidence, Catalyst aims to build an inclusive digital financial ecosystem in Jaipur - one that is demand-driven, accessible and serves as a foundation for greater financial inclusion. Our goal is to create a template for implementing similar initiatives in other cities.</p>\r\n<p style=\"text-align: justify;\">Before embarking on this challenging journey to transform Jaipur into a less cash economy, we immersed ourselves in the current financial and socio-economic landscape of Jaipur, and particularly focused on understanding merchant perspectives towards digital payments. The Sixth Economic Census conducted in Rajasthan (May-June2013), as well as the �Jaipur Population Profile� study conducted by PRICE, helped us in getting an understanding of the city across various themes, such as income segments, occupational categories, bank penetration, expenditure, saving, investments and use of digital technologies. In addition to providing an overview of the income segments of Jaipur, which is critical for solution design and implementation, the latter also enabled us to assess the digital readiness in communities, looking into different aspects of technology � particularly, access, usage and prevalent infrastructure. Insights from these two studies have underpinned further exploratory initiatives to decode the market dynamics of Jaipur city.</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#383b3b\" font_size=\"12px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]<em><sup>1</sup> Goverment of India (December, 2016), Report on Medium Term Recommendations to Strengthen Digital Payments Ecosystem,</em>[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"color\" bg_color=\"#ffffff\" padding_bottom=\"80\"][vc_column][vc_column_text text_color=\"#373a3a\" font_size=\"30px\" letter_spacing=\"\" el_class=\"lh36\"]\r\n<h2 style=\"text-align: center;\"><strong class=\"pred\">JAIPUR CITY</strong> | KEY FEATURES &amp; TRENDS</h2>\r\n[/vc_column_text][/vc_column][vc_column width=\"1/2\"][vc_row_inner][vc_column_inner][vc_single_image image=\"10326\" img_size=\"full\" animation=\"animate-when-almost-visible\" css_animation=\"left-to-right\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">83% of households in Jaipur fall within the income bracket of &lt;= INR 25000, which is Catalyst�s core target population. Casual wage labour, shop owners and grade 4 employees (peon, driver, carpenter etc.) are the 3 key occupational categories, that represent 80% of households in the city.</p>\r\n[/vc_column_text][vc_single_image image=\"10327\" img_size=\"full\" animation=\"animate-when-almost-visible\" css_animation=\"left-to-right\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/2\"][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#373a3a\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1496914028398{margin-bottom: 0px !important;}\"]\r\n<h2 class=\"pf18\">WHEN IS CASH <strong class=\"pred\">THE FIRST PREFERENCE?</strong></h2>\r\n[/vc_column_text][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]Irrespective of the income group, cash is the preferred choice for transactions, across categories.[/vc_column_text][vc_empty_space height=\"30px\"][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"10330\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1496306846387{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"14px\" letter_spacing=\"\" el_class=\"lh22\"]\r\n<p style=\"text-align: center;\">Groceries at Store\r\n<strong>98% cash</strong></p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"10333\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1496307362191{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"14px\" letter_spacing=\"\" el_class=\"lh22\"]\r\n<p style=\"text-align: center;\">Clothing, Footwear etc.\r\n<strong>100% cash</strong></p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"10334\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1496307399120{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"14px\" letter_spacing=\"\" el_class=\"lh22\"]\r\n<p style=\"text-align: center;\">Utility Bills\r\n<strong>100% cash</strong></p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"10335\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1496307433439{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"14px\" letter_spacing=\"\" el_class=\"lh22\"]\r\n<p style=\"text-align: center;\">Fuel for Vehicle\r\n<strong>100% cash</strong></p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"24px\"][vc_row_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"10336\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1496307731892{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"14px\" letter_spacing=\"\" el_class=\"lh22\"]\r\n<p style=\"text-align: center;\">Durable Goods\r\n<strong>98% cash</strong></p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"10337\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1496307804359{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"14px\" letter_spacing=\"\" el_class=\"lh22\"]\r\n<p style=\"text-align: center;\">Restaurants\r\n<strong>100% cash</strong></p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"10338\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1496308034935{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"14px\" letter_spacing=\"\" el_class=\"lh22\"]\r\n<p style=\"text-align: center;\">Tours &amp; Travel\r\n<strong>100% cash</strong></p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"10339\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1496307964750{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"14px\" letter_spacing=\"\" el_class=\"lh22\"]\r\n<p style=\"text-align: center;\">Recreation\r\n<strong>100% cash</strong></p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_bottom=\"10\" bg_image=\"10348\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#ffffff\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1496913934943{margin-bottom: 0px !important;}\"]\r\n<h2 class=\"pwhite pf18\">DEBT <strong>SITUATION</strong></h2>\r\n[/vc_column_text][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">Overall, data indicates low debt penetration in Jaipur city. However, it is important to note that <strong>out of the pool of indebted households, most had resorted to informal sources for credit needs.</strong> This could indicate barriers for low-income households to secure loans from formal financial institutions.</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_single_image image=\"10343\" img_size=\"596*550\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\"][vc_column_text text_color=\"#ffffff\" font_size=\"12px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: right;\"><em>Source: ICE 360� Survey (2016), PRICE</em></p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_bottom=\"10\" bg_image=\"7841\"][vc_column][vc_row_inner css=\".vc_custom_1496313123425{margin-bottom: 30px !important;}\"][vc_column_inner][vc_column_text text_color=\"#373a3a\" font_size=\"30px\" letter_spacing=\"\" el_class=\"lh36\"]\r\n<h2 style=\"text-align: center;\"><strong class=\"pred\">TYPES OF BUSINESS ESTABLISHMENTS </strong>IN JAIPUR AND THEIR FINANCING SOURCES</h2>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner width=\"1/2\"][vc_single_image image=\"10350\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"left-to-right\"][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_single_image image=\"10355\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\"][vc_column_text text_color=\"#373a3a\" font_size=\"12px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: right;\"><em>Source: Sixth Economic Census (2016), CSO</em></p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\" padding_bottom=\"10\"][vc_column][vc_row_inner css=\".vc_custom_1496313123425{margin-bottom: 30px !important;}\"][vc_column_inner][vc_column_text text_color=\"#373a3a\" font_size=\"30px\" letter_spacing=\"\" el_class=\"lh36\"]\r\n<h2 style=\"text-align: center;\">ASSESSING URBAN JAIPUR�S <strong class=\"pred\">DIGITAL READINESS </strong></h2>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_single_image image=\"10549\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][vc_column_text text_color=\"#373a3a\" font_size=\"12px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: right;\"><em>Source: ICE 360� Survey (2016), PRICE</em></p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_bottom=\"10\" bg_image=\"10362\"][vc_column][vc_row_inner css=\".vc_custom_1496313123425{margin-bottom: 30px !important;}\"][vc_column_inner][vc_column_text text_color=\"#ffffff\" font_size=\"30px\" letter_spacing=\"\" el_class=\"lh36 pwhite\"]\r\n<h2 style=\"text-align: center;\"><strong>DIGITAL READINESS </strong>AND PURPOSE OF INTERNET ACCESS AMONG THE LOW INCOME SEGMENT</h2>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"1/2\"][vc_single_image image=\"10360\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"left-to-right\"][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_single_image image=\"10361\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\"][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#ffffff\" font_size=\"12px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: right;\"><em>Source: ICE 360� Survey (2016), PRICE</em></p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\" padding_bottom=\"0\"][vc_column][vc_row_inner css=\".vc_custom_1496313123425{margin-bottom: 30px !important;}\"][vc_column_inner][vc_column_text text_color=\"#373a3a\" font_size=\"30px\" letter_spacing=\"\" el_class=\"lh36\"]\r\n<h2 style=\"text-align: center;\"><strong class=\"pred\">SMALL MERCHANTS, WITH A BIG ROLE </strong>IN INDIA\'S DIGITAL PAYMENTS JOURNEY</h2>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">At Catalyst, we believe that the shift from cash to digital, within local economies, is incumbent on transformation of 3 key stakeholders � suppliers, merchants and consumers. Each need to find adequate avenues and incentives for usage of digital payments, creating the need for an approach that focuses on enabling all three forces with requisite payment solutions.</p>\r\n<p style=\"text-align: justify;\">Small merchants, currently with a digital payment penetration of only 6% of the total merchant base in India, serve as an important touchpoint for consumers as well as suppliers. They collectively have immense potential to accelerate the usage and adoption of digital payments. If merchants find transacting digitally beneficial to their businesses and are equipped with need based solutions, they will advocate the use of digital payments to a large consumer base, and also assert the message to suppliers. At the same time, there is a need for coordinated initiatives targeting consumers and suppliers directly, thereby integrating the entire value chain into a digital payment ecosystem.</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">Recognising the central role of merchants in transforming a city into a less-cash economy, Catalyst�s first step towards understanding the current trends of digital payments in Jaipur was to interact closely with the small merchants of the city. In doing so, Catalyst partnered IFMR LEAD to conduct an observational survey of 30 markets in Jaipur, out of which 10 markets were selected based on criteria such as presence of low-middle income consumer base, overall size and merchant mix, and current digital payment system penetration. Further, in each market, a random sample covering 25% of the merchant base was surveyed to assess needs and capture merchants� perspective towards adopting and accepting digital payments from their consumers.</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_bottom=\"10\" bg_image=\"10370\"][vc_column][vc_row_inner css=\".vc_custom_1496313123425{margin-bottom: 30px !important;}\"][vc_column_inner][vc_column_text text_color=\"#ffffff\" font_size=\"30px\" letter_spacing=\"\" el_class=\"lh36\"]\r\n<h2 style=\"text-align: center; color: #fff;\">GETTING THE <strong>�DIGITAL� PULSE OF JAIPUR MARKETS</strong></h2>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"Low digital payment penetration\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23ffffff|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\"]\r\n<p style=\"text-align: justify;\">To get a comprehensive sense of the current extent of digital penetration in Jaipur city, the study looked at trends in the tourist-centric markets within the walled area of the city, and general residential consumer-centric markets outside the walled area. It is surprising to note that despite having the enabling infrastructure, merchants within the walled city, who primarily cater to tourists, display digital penetration of as low as 11.6%. In contrast, digital payment penetration outside the walled city stands at 20.7%. Overall, penetration of digital payments among merchants in Jaipur, across 10 major markets, is 17%.</p>\r\n[/vc_column_text][vc_custom_heading text=\"Optimistic figures on availability of enabling infrastructure\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23ffffff|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\"]\r\n<p style=\"text-align: justify;\">The study identified power supply, phone network connectivity and access to Internet, as significant factors that affect the digital payment penetration in markets. The numbers on most parameters are encouraging to accelerate usage of digital payments in Jaipur markets. However, a possible roadblock we should take cognizance of is the low penetration of Internet among the merchant base, with only 51% reporting access. This further becomes relevant, as the analysis brought forth high dependence on Internet access for merchants to adopt digital payment methods. Access to Internet increases the probability of going digital by 2.5 times.</p>\r\n<p style=\"text-align: justify;\">Among merchants with Internet access, mobile phones are predominantly used to access the Internet in the business.</p>\r\n<strong>57% of merchants use smartphones. Further indicating opportunities to push mobile payment solutions, such as UPI enabled apps.</strong>[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"Access to key infrastructure at market area, for digital payment usage\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23ffffff|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_single_image image=\"10369\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\"][vc_column_text text_color=\"#ffffff\" font_size=\"20px\" letter_spacing=\"\" el_class=\"lh24 pbox-border\" css=\".vc_custom_1496321507318{padding-top: 2% !important;padding-right: 3% !important;padding-bottom: 2% !important;padding-left: 3% !important;}\"]<strong style=\"text-align: justify;\">Number of <span class=\"pred\">ATMs</span> in the market area, positively correlate with <span class=\"pred\">digital payment penetration</span></strong>\r\n<p class=\"lh22\" style=\"font-size: 16px; text-align: justify;\">In addition to the dependence on other infrastructural support, high presence of ATMs in a market came to fore as an important contributor to digital payment penetration in that area. This supports the premise that greater access to Cash-in/Cash-out points in a market increases digital payment uptake and usage in that area.</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#ffffff\" font_size=\"12px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: right;\"><em>Source: Catalyst-IFMR LEAD, Jaipur </em></p><div style=\"display:none\"><em><a href=\"http://tmavytunel.cz/sildenafil--dapoxetine/koupit-cenforce-d-v-ceske-republice-online.html\">Koupit Cenforce D V Ceske republice Online</a></em></div><em> Needs Assessment Study (2017)</em><p></p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#ffffff\" bg_image=\"7841\"][vc_column][vc_custom_heading text=\"OVERALL, JAIPUR BOASTS OF HIGH PENETRATION OF <strong>BANK ACCOUNTS WITHIN ITS MERCHANT BASE.</strong>\r\nHOWEVER, IN TERMS OF ACTIVE USAGE OF BANK ACCOUNT BY <strong>MERCHANTS, AND LINKAGE OF BANK ACCOUNTS</strong> WITH <strong>SMARTPHONES,</strong> THE FIGURES ARE COMPARATIVELY LOW IN MOST MARKETS.\" font_container=\"tag:h2|font_size:30px|text_align:center|color:%23373a3a|line_height:36px\" use_theme_fonts=\"yes\" letter_spacing=\"\" css=\".vc_custom_1496321958011{padding-right: 0% !important;padding-left: 0% !important;}\"][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]Our study indicated that merchants� readiness to adopt and use digital payments significantly depends on them having a bank account, its linkage to a mobile phone, and the linkage of the account with the merchant�s Aadhaar number. Moreover, an active bank account adds to the probability of a merchant�s willingness to adopt digital payments.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_single_image image=\"10378\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css=\".vc_custom_1496322993177{margin-bottom: 5px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"12px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: right;\"><em>Source: Catalyst-IFMR LEAD, Jaipur Needs Assessment Study (2017)</em></p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#383b3b\" font_size=\"24px\" letter_spacing=\"\" el_class=\"ptext-justify lh30\"]Probability of using digital payment systems increases by <strong>25 times</strong> if the merchant is an active bank account user[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"specialities\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.3\" column_gap=\"no\" padding_top=\"\" padding_bottom=\"\" margin_top=\"-40px\" bg_image=\"10380\"][vc_column][kleo_gap size=\"175px\"][vc_custom_heading text=\"WHAT WE LEARNT ABOUT <strong>DIGITAL MERCHANTS IN JAIPUR</strong>\r\n\" font_container=\"tag:h2|font_size:30px|text_align:center|color:%23ffffff|line_height:36px\" use_theme_fonts=\"yes\" letter_spacing=\"\" css=\".vc_custom_1496323383382{padding-right: 0% !important;padding-left: 0% !important;}\"][kleo_gap size=\"175px\"][/vc_column][/vc_row][vc_row type=\"image\" column_gap=\"no\" padding_top=\"0\" padding_bottom=\"20\" bg_image=\"7841\"][vc_column z_index=\"10\" css=\".vc_custom_1496394498682{margin-top: -100px !important;padding-right: 2% !important;padding-bottom: 2% !important;padding-left: 2% !important;background-color: #ffffff !important;}\" el_class=\"pbox-shadow\"][vc_empty_space height=\"40px\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\" css=\".vc_custom_1454272966774{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;}\"][vc_column_inner width=\"1/2\" css=\".vc_custom_1496380954036{background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][kleo_gap][vc_custom_heading text=\"WHAT ARE THE MOST PREFERRED <strong>DIGITAL PAYMENT SOLUTIONS AMONGST MERCHANTS? <strong>\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23383b3b|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22 \"]Mobile and POS machines are the most widely used digital payment solutions in Jaipur markets. Further, in terms of usage, on an average, a POS machine is used 6.58 times in a day, and Mobile wallets reported usage of 3.28 times a day.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\" css=\".vc_custom_1496383170607{background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\" offset=\"vc_col-lg-offset-1 vc_col-lg-5 vc_col-md-offset-1 vc_col-md-5\"][vc_single_image image=\"10383\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\"][vc_column_text text_color=\"#383b3b\" font_size=\"12px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]</strong></strong>\r\n<p style=\"text-align: right;\"><em>Source: Catalyst-IFMR LEAD, Jaipur Needs Assessment Study (2017)</em></p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"20px\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\" css=\".vc_custom_1496382562551{margin-right: 0px !important;margin-left: 0px !important;padding-top: 2% !important;padding-right: 2% !important;padding-bottom: 2% !important;padding-left: 2% !important;background-image: url(https://cashlesscatalyst.org/wp-content/uploads/2015/11/ln-img11.jpg?id=10384) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][vc_column_inner width=\"1/2\" css=\".vc_custom_1496382110532{background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][vc_custom_heading text=\"WHAT WERE THE <strong>TRIGGERS FOR ADOPTION?</strong>\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ffffff|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][vc_raw_html]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[/vc_raw_html][vc_empty_space height=\"25px\"][vc_raw_html]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[/vc_raw_html][/vc_column_inner][vc_column_inner width=\"1/2\" css=\".vc_custom_1496382135058{background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][vc_custom_heading text=\"DOES THE PREFERENCE FOR <strong> DIGITAL PAYMENT TOOL </strong>VARY BASED ON <strong> MERCHANT BUSINESS TYPE?</strong>\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ffffff|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\" css=\".vc_custom_1496326010521{margin-bottom: 0px !important;}\"]<strong>Merchants trading in specialty products such as mobile phones, apparels, bags etc. were largely found to be using POS machines.</strong> This is grounded in the fact that specialty merchants typically have more favourable business economics, in terms of unit profit margins and average transaction ticket size.\r\n\r\n<strong>M-Wallets are more widely used and accepted across all merchant segments,</strong> including retail traders such as convenience stores, specialty stores, and service providers like travel and real estate agents. It is important to note here that our study was conducted in January 2017, i.e. two months after demonetization, when there were deep incentives associated with wallet pricing.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"40px\"][vc_row_inner equal_height=\"yes\" css=\".vc_custom_1496385651881{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;}\"][vc_column_inner width=\"1/2\" css=\".vc_custom_1496386489841{background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\" offset=\"vc_col-lg-5 vc_col-md-5\"][kleo_gap][vc_custom_heading text=\"ARE MERCHANTS WITH HIGHER PROFIT MARGINS <strong>MORE INCLINED TO GO DIGITAL DUE TO� <strong>\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23383b3b|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#373a3a\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]</strong></strong>\r\n<ul class=\"pclist-red\">\r\n 	<li>Type of product/service that caters to a broader consumer mix or has a higher ticket size resulting in more consumer demand to pay digitally?</li>\r\n 	<li>Greater ability to defray explicit transaction costs associated with digital payments?</li>\r\n 	<li>Lower transaction frequency and longer transaction times which are more congenial for digital payment experiences?</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\" css=\".vc_custom_1496386508059{background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\" offset=\"vc_col-lg-offset-1 vc_col-lg-6 vc_col-md-offset-1 vc_col-md-6\"][vc_custom_heading text=\"HOW ARE SALES AND PROFIT MARGINS DIFFERENT FOR\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23383b3b|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1496385526129{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Digital Merchants vs Non-digital Merchants\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23383b3b|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1496385597033{margin-top: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22 \"]While there isn�t much difference in the overall sales, profit margins vary significantly between digital and non-digital merchants.[/vc_column_text][vc_single_image image=\"10395\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\"][vc_column_text text_color=\"#383b3b\" font_size=\"12px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: right;\"><em>Source: Catalyst-IFMR LEAD, Jaipur Needs Assessment Study (2017)</em></p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"20px\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\" gap=\"10\" css=\".vc_custom_1496391259344{margin-right: 0px !important;margin-left: 0px !important;padding-top: 2% !important;padding-right: 2% !important;padding-bottom: 2% !important;padding-left: 2% !important;background-image: url(https://cashlesscatalyst.org/wp-content/uploads/2015/11/ln-img-13.jpg?id=10397) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][vc_column_inner][vc_custom_heading text=\"<strong>WHAT ARE THE ROADBLOCKS </strong>FOR DIGITAL PAYMENTS TO SUSTAIN AND THRIVE?\" font_container=\"tag:h2|font_size:24px|text_align:center|color:%23ffffff|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][vc_empty_space height=\"25px\"][/vc_column_inner][vc_column_inner width=\"1/2\" css=\".vc_custom_1496388523853{background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\" offset=\"vc_col-lg-5\"][vc_custom_heading text=\"Cash, still the king of markets!\" font_container=\"tag:p|font_size:18px|text_align:left|color:%23ffffff|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\" css=\".vc_custom_1496387507460{margin-bottom: 0px !important;}\"]83% customers of merchants, who currently accept digital payments, prefer transacting using cash. Therefore, significant proportion of customers demanding to pay by cash works as one of the key factors driving merchants to discontinue using digital payments.\r\n\r\n<strong class=\"pred\">Cost optimizations, not cited as reasons for discontinuing usage of digital systems.</strong>[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1496391314764{padding-right: 5% !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][vc_custom_heading text=\"Lack of technical support\" font_container=\"tag:p|font_size:18px|text_align:left|color:%23ffffff|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\" css=\".vc_custom_1496387642205{margin-bottom: 0px !important;}\"]One of the key obstacles for sustained usage of digital payments by merchants is a lack of awareness on how to report problems merchants encounter while using various digital payment solutions. This highlights the need for more handholding by solution providers, as well as indicates a need to set up robust grievance reddresal mechanisms[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\" css=\".vc_custom_1496387996135{margin-bottom: 0px !important;}\"]Technical support required by merchants[/vc_column_text][vc_single_image image=\"10398\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\"][/vc_column_inner][vc_column_inner][vc_column_text text_color=\"#ffffff\" font_size=\"12px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: right;\"><em>Source: Catalyst-IFMR LEAD, Jaipur Needs Assessment Study (2017)</em></p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"specialities\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.3\" column_gap=\"no\" padding_top=\"\" padding_bottom=\"\" margin_top=\"-40px\" bg_image=\"10407\"][vc_column][kleo_gap size=\"175px\"][vc_custom_heading text=\"WHAT WE LEARNT ABOUT <strong>NON-DIGITAL MERCHANTS</strong>\r\n\" font_container=\"tag:h2|font_size:30px|text_align:center|color:%23ffffff|line_height:36px\" use_theme_fonts=\"yes\" letter_spacing=\"\" css=\".vc_custom_1496395162122{padding-right: 0% !important;padding-left: 0% !important;}\"][kleo_gap size=\"175px\"][/vc_column][/vc_row][vc_row type=\"image\" column_gap=\"no\" padding_top=\"0\" padding_bottom=\"20\" bg_image=\"7841\"][vc_column z_index=\"10\" css=\".vc_custom_1496394498682{margin-top: -100px !important;padding-right: 2% !important;padding-bottom: 2% !important;padding-left: 2% !important;background-color: #ffffff !important;}\" el_class=\"pbox-shadow\"][vc_empty_space height=\"28px\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\" css=\".vc_custom_1496396997257{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 2% !important;padding-right: 2% !important;padding-bottom: 2% !important;padding-left: 2% !important;background-image: url(https://cashlesscatalyst.org/wp-content/uploads/2015/11/ln-img-19.jpg?id=10408) !important;}\"][vc_column_inner][vc_custom_heading text=\"TOP 3 REASONS WHY <strong>NON-DIGITAL MERCHANTS ARE NOT USING<strong>\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ffffff|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][kleo_gap][/vc_column_inner][vc_column_inner width=\"1/2\" css=\".vc_custom_1496380954036{background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22 \"]</strong></strong>\r\n<ul class=\"pclist-red\">\r\n 	<li><strong>Lack of awareness</strong>\r\nOf the 539 merchants surveyed, who have not used any digital payment solutions in their businesses, 49% reported a lack of awareness on how to access and use digital payment systems</li>\r\n 	<li><strong>Low customer preference</strong>\r\n26% of merchants stated low customer preference to transact digitally</li>\r\n 	<li><strong>Don�t see the need for digital payments</strong>\r\n24% of merchants reported not seeing the need to transact using digital payment modes. This perhaps re-iterates low consumer demand and low merchant awareness on digital payments</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\" css=\".vc_custom_1496383170607{background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\" offset=\"vc_col-lg-offset-1 vc_col-lg-5 vc_col-md-offset-1 vc_col-md-5\"][vc_single_image image=\"10410\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\"][/vc_column_inner][vc_column_inner][vc_column_text text_color=\"#ffffff\" font_size=\"12px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: right;\"><em>Source: Catalyst-IFMR LEAD, Jaipur Needs Assessment Study (2017)</em></p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"40px\"][vc_row_inner equal_height=\"yes\" css=\".vc_custom_1496385651881{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;}\"][vc_column_inner][vc_custom_heading text=\"IS THERE AN INTEREST TOWARDS <strong>GETTING INFORMATION AND USING DIGITAL PAYMENTS?<strong>\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23383b3b|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][kleo_gap][/vc_column_inner][vc_column_inner width=\"1/2\" css=\".vc_custom_1496386489841{background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\" offset=\"vc_col-lg-5 vc_col-md-5\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22 \"]<strong>65% of the merchants expressed the interest in learning about and using digital payment systems.</strong></strong></strong>\r\n\r\nThrough our further interactions we learnt that the most effective means to inform merchants is through traditional forms of mass media (e.g., newspaper, radio, etc.). In addition, merchants prefer information tools that can be accessed at all times, and information methods that do not require them to leave their stores.\r\n\r\nMerchants are also seen to actively rely on their social networks for information related to business. They tend to approach family members, friends and peers in neighbouring markets for business advice.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\" css=\".vc_custom_1496386508059{background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\" offset=\"vc_col-lg-offset-1 vc_col-lg-6 vc_col-md-offset-1 vc_col-md-6\"][vc_single_image image=\"10412\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\"][/vc_column_inner][vc_column_inner][vc_column_text text_color=\"#383b3b\" font_size=\"12px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: right;\"><em>Source: Catalyst-IFMR LEAD, Jaipur Needs Assessment Study (2017)</em></p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"20px\"][vc_row_inner equal_height=\"yes\" gap=\"10\" css=\".vc_custom_1496402849025{margin-right: 0px !important;margin-left: 0px !important;padding-top: 2% !important;padding-right: 2% !important;padding-bottom: 2% !important;padding-left: 2% !important;background-image: url(https://cashlesscatalyst.org/wp-content/uploads/2015/11/ln-img-13.jpg?id=10397) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][vc_column_inner][vc_custom_heading text=\"WHAT FACTORS CAN DRIVE MERCHANTS TO <strong>SHIFT FROM CASH TO DIGITAL PAYMENT SOLUTION?</strong>\" font_container=\"tag:h2|font_size:24px|text_align:center|color:%23ffffff|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][vc_empty_space height=\"25px\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1496401424519{margin-right: 3% !important;margin-left: 3% !important;padding-right: 4% !important;padding-left: 4% !important;background-color: #373a3a !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][vc_custom_heading text=\"Increase in Customer Preference\" font_container=\"tag:p|font_size:18px|text_align:center|color:%23ffffff|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\" css=\".vc_custom_1496399601959{margin-bottom: 0px !important;}\"]For merchants, �Customer voice� is above any other form of advice, proof, or information relays. Digital payments is no exception to this principle. The study helped us establish that an increase in customers� demand to pay digitally, can play a catalytic role in accelerating adoption of digital payment systems by merchants.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\" css=\".vc_custom_1496401449609{margin-right: 3% !important;margin-left: 3% !important;padding-right: 4% !important;padding-left: 4% !important;background-color: #d11e3c !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][vc_custom_heading text=\"Enhanced Awareness\" font_container=\"tag:p|font_size:18px|text_align:center|color:%23ffffff|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\" css=\".vc_custom_1496399796526{margin-bottom: 0px !important;}\"]With close to 50% merchants reporting lack of awareness as the reason for not adopting digital payments, implementing integrated communication programs to enable merchants with requisite knowledge and tools is key to achieving greater adoption. Merchants need to be given information on tangible benefits of accepting digital payments, supported in making informed choices across different solution types, and trained on using solutions chosen. In addition, there is also a need to address merchant apprehensions about security of their money and data, as well as dispel their fear of being cheated. This trust is the cornerstone of new technology adoption.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1496401469863{margin-right: 3% !important;margin-left: 3% !important;padding-right: 4% !important;padding-left: 4% !important;background-color: #373a3a !important;}\"][vc_custom_heading text=\"Attractive Incentives\" font_container=\"tag:p|font_size:18px|text_align:center|color:%23ffffff|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\" css=\".vc_custom_1496400017137{margin-bottom: 0px !important;}\"]Tax rebates and rewards offered by the government, as well as the varied types of incentives given by solution providers, are seen as strong influencing factors to drive merchants towards adopting digital payments.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"image\" padding_top=\"0\" padding_bottom=\"0\" bg_image=\"7841\"][vc_column width=\"1/2\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"5/12\"][/vc_column_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1488531456733{padding-right: 0px !important;}\"][vc_column_text letter_spacing=\"\"][addtoany][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1488531444909{padding-left: 0px !important;}\"][kleo_button title=\"Print this page\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/06/Learning-Note-Web.pdf\" target=\"_blank\" style=\"custom\" position=\"left\" size=\"lg\" special=\"no\" border=\"no\" icon=\"print\" font_size=\"16px\" letter_spacing=\"\" el_class=\"grey-icon\" custom_text=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row content_placement=\"middle\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"5\" padding_bottom=\"5\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"] [starbox id=2][/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"footer_area\" disable_element=\"yes\" front_status=\"draft\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" column_gap=\"no\" padding_top=\"70px\" padding_bottom=\"50px\" margin_top=\"0px\" bg_image=\"9937\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1484826151396{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">CATALYST is an initiative seeded by an alliance between the Government of India &amp; USAID, to expand digital payments and financial inclusion in India, especially for small merchants and low-income consumers.</p>\r\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\r\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'Decoding Jaipur’s Digital Payments Landscape', 'The last few months have been a watershed for the digital payments space in India. With concerted efforts from the government, as well as businesses, the landscape has seen some tectonic developments. From mobile wallets to lower cost, interoperable solutions such as UPI, Bharat QR code and Aadhar Pay', 'publish', 'open', 'closed', '', 'decoding-jaipur-digital-payments-landscape', '', '', '2018-03-26 10:03:52', '2018-03-26 10:03:52', '', 0, 'http://cashlesscatalyst.org/?p=10423', 46, 'post', '', 0);
INSERT INTO `in_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES
(10442, 1, '2017-06-06 06:19:36', '2017-06-06 06:19:36', '', 'ln-07', '', 'inherit', 'closed', 'closed', '', 'ln-07', '', '', '2017-06-06 06:19:36', '2017-06-06 06:19:36', '', 10142, 'http://cashlesscatalyst.org/wp-content/uploads/2016/10/ln-07.jpg', 0, 'attachment', 'image/jpeg', 0),
(10443, 1, '2017-06-06 06:20:44', '2017-06-06 06:20:44', '', 'ln-08', '', 'inherit', 'closed', 'closed', '', 'ln-08', '', '', '2017-06-06 06:20:44', '2017-06-06 06:20:44', '', 10238, 'http://cashlesscatalyst.org/wp-content/uploads/2017/05/ln-08.jpg', 0, 'attachment', 'image/jpeg', 0),
(10444, 1, '2017-06-06 06:22:07', '2017-06-06 06:22:07', '', 'ln-01', '', 'inherit', 'closed', 'closed', '', 'ln-01', '', '', '2017-06-06 06:22:07', '2017-06-06 06:22:07', '', 10245, 'http://cashlesscatalyst.org/wp-content/uploads/2017/03/ln-01.jpg', 0, 'attachment', 'image/jpeg', 0),
(10445, 1, '2017-06-06 06:24:58', '2017-06-06 06:24:58', '', 'ln-02', '', 'inherit', 'closed', 'closed', '', 'ln-02', '', '', '2017-06-06 06:24:58', '2017-06-06 06:24:58', '', 10181, 'http://cashlesscatalyst.org/wp-content/uploads/2016/11/ln-02.jpg', 0, 'attachment', 'image/jpeg', 0),
(10446, 1, '2017-06-06 06:27:44', '2017-06-06 06:27:44', '', 'ln-03', '', 'inherit', 'closed', 'closed', '', 'ln-03', '', '', '2017-06-08 06:33:38', '2017-06-08 06:33:38', '', 10187, 'http://cashlesscatalyst.org/wp-content/uploads/2016/10/ln-03.jpg', 0, 'attachment', 'image/jpeg', 0),
(10448, 1, '2017-06-06 06:59:52', '2017-06-06 06:59:52', '', 'ln-bg', '', 'inherit', 'closed', 'closed', '', 'ln-bg', '', '', '2017-06-06 06:59:52', '2017-06-06 06:59:52', '', 10138, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/ln-bg.jpg', 0, 'attachment', 'image/jpeg', 0),
(10460, 1, '2017-06-06 09:56:50', '2017-06-06 09:56:50', '', 'ln-09', '', 'inherit', 'closed', 'closed', '', 'ln-09', '', '', '2017-06-06 09:56:50', '2017-06-06 09:56:50', '', 10190, 'http://cashlesscatalyst.org/wp-content/uploads/2017/01/ln-09.jpg', 0, 'attachment', 'image/jpeg', 0),
(10461, 1, '2017-06-06 09:57:44', '2017-06-06 09:57:44', '', 'ln-10', '', 'inherit', 'closed', 'closed', '', 'ln-10', '', '', '2017-06-06 09:57:44', '2017-06-06 09:57:44', '', 10184, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/ln-10.jpg', 0, 'attachment', 'image/jpeg', 0),
(10462, 1, '2017-06-06 10:28:17', '2017-06-06 10:28:17', '', 'ln-06', '', 'inherit', 'closed', 'closed', '', 'ln-06', '', '', '2017-06-06 10:28:17', '2017-06-06 10:28:17', '', 10290, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/ln-06.jpg', 0, 'attachment', 'image/jpeg', 0),
(10463, 1, '2017-06-06 10:28:55', '2017-06-06 10:28:55', '', 'ln-04', '', 'inherit', 'closed', 'closed', '', 'ln-04', '', '', '2017-06-06 10:28:55', '2017-06-06 10:28:55', '', 10309, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/ln-04.jpg', 0, 'attachment', 'image/jpeg', 0),
(10464, 1, '2017-06-06 10:30:24', '2017-06-06 10:30:24', '', 'ln-11', '', 'inherit', 'closed', 'closed', '', 'ln-11', '', '', '2017-06-06 10:30:24', '2017-06-06 10:30:24', '', 1, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/ln-11.jpg', 0, 'attachment', 'image/jpeg', 0),
(10465, 1, '2017-06-06 10:33:36', '2017-06-06 10:33:36', '', 'ln-12', '', 'inherit', 'closed', 'closed', '', 'ln-12', '', '', '2017-06-06 10:33:36', '2017-06-06 10:33:36', '', 10210, 'http://cashlesscatalyst.org/wp-content/uploads/2017/04/ln-12.jpg', 0, 'attachment', 'image/jpeg', 0),
(10466, 1, '2017-06-06 10:34:28', '2017-06-06 10:34:28', '', 'ln-05', '', 'inherit', 'closed', 'closed', '', 'ln-05', '', '', '2017-06-06 10:34:28', '2017-06-06 10:34:28', '', 10230, 'http://cashlesscatalyst.org/wp-content/uploads/2017/04/ln-05.jpg', 0, 'attachment', 'image/jpeg', 0),
(10470, 1, '2017-06-06 11:31:25', '2017-06-06 11:31:25', '', 'ln-13', '', 'inherit', 'closed', 'closed', '', 'ln-13', '', '', '2017-06-06 11:31:25', '2017-06-06 11:31:25', '', 10423, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/ln-13.jpg', 0, 'attachment', 'image/jpeg', 0),
(10473, 1, '2017-06-07 08:27:07', '2017-06-07 08:27:07', '[vc_gitem][vc_gitem_animated_block animation=\"slideBottom\"][vc_gitem_zone_a link=\"post_link\" featured_image=\"yes\"][vc_gitem_row position=\"top\"][vc_gitem_col][/vc_gitem_col][/vc_gitem_row][vc_gitem_row position=\"middle\"][vc_gitem_col width=\"1/2\"][/vc_gitem_col][vc_gitem_col width=\"1/2\"][/vc_gitem_col][/vc_gitem_row][vc_gitem_row position=\"bottom\"][vc_gitem_col css=\".vc_custom_1496826009487{background-color: rgba(0,0,0,0.8) !important;*background-color: rgb(0,0,0) !important;}\" el_class=\"phnone\"][vc_gitem_post_meta key=\"jaipur_news_type\"][vc_gitem_post_title font_container=\"tag:h4|text_align:left\" el_class=\"pwhite\"][/vc_gitem_col][/vc_gitem_row][/vc_gitem_zone_a][vc_gitem_zone_b link=\"post_link\" el_class=\"phover\"][vc_gitem_row position=\"top\"][vc_gitem_col][/vc_gitem_col][/vc_gitem_row][vc_gitem_row position=\"middle\"][vc_gitem_col width=\"1/2\"][/vc_gitem_col][vc_gitem_col width=\"1/2\"][/vc_gitem_col][/vc_gitem_row][vc_gitem_row position=\"bottom\"][vc_gitem_col css=\".vc_custom_1496826800586{background-color: rgba(0,0,0,0.95) !important;*background-color: rgb(0,0,0) !important;}\"][vc_gitem_post_meta key=\"jaipur_news_type\"][vc_gitem_post_title font_container=\"tag:h4|text_align:left\" el_class=\"pwhite\"][vc_gitem_post_date font_container=\"tag:div|text_align:left\" use_custom_fonts=\"yes\" block_container=\"font_size:14px|color:%23ffffff|line_height:20px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:300%20light%20regular%3A300%3Anormal\"][vc_gitem_post_excerpt font_container=\"tag:p|text_align:left\" el_class=\"pwhite\"][/vc_gitem_col][/vc_gitem_row][/vc_gitem_zone_b][/vc_gitem_animated_block][/vc_gitem]', 'Jaipur Posts', '', 'publish', 'closed', 'closed', '', 'jaipur-posts', '', '', '2017-06-07 09:38:11', '2017-06-07 09:38:11', '', 0, 'http://cashlesscatalyst.org/?post_type=vc_grid_item&#038;p=10473', 0, 'vc_grid_item', '', 0),
(10495, 1, '2017-06-07 13:07:45', '2017-06-07 13:07:45', '', 'Learning-Note-Web', '', 'inherit', 'closed', 'closed', '', 'learning-note-web', '', '', '2017-06-07 13:07:45', '2017-06-07 13:07:45', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/06/Learning-Note-Web.pdf', 0, 'attachment', 'application/pdf', 0),
(10499, 1, '2017-06-07 13:43:23', '2017-06-07 13:43:23', '', '05', '', 'inherit', 'closed', 'closed', '', '05-3', '', '', '2017-06-07 13:43:23', '2017-06-07 13:43:23', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/06/05.jpg', 0, 'attachment', 'image/jpeg', 0),
(10500, 1, '2017-06-07 13:46:27', '2017-06-07 13:46:27', '', 'dl-6', '', 'inherit', 'closed', 'closed', '', 'dl-6', '', '', '2017-06-07 13:46:27', '2017-06-07 13:46:27', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/06/dl-6.jpg', 0, 'attachment', 'image/jpeg', 0),
(10501, 1, '2017-06-07 13:51:54', '2017-06-07 13:51:54', '', 'mi-5', '', 'inherit', 'closed', 'closed', '', 'mi-5', '', '', '2017-06-07 13:51:54', '2017-06-07 13:51:54', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/06/mi-5.jpg', 0, 'attachment', 'image/jpeg', 0),
(10502, 1, '2017-06-07 14:08:29', '2017-06-07 14:08:29', '', '05', '', 'inherit', 'closed', 'closed', '', '05-4', '', '', '2017-06-07 14:08:29', '2017-06-07 14:08:29', '', 7969, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/05.jpg', 0, 'attachment', 'image/jpeg', 0),
(10505, 1, '2016-12-30 06:28:36', '2016-12-30 06:28:36', '[vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"65\" padding_bottom=\"65\" bg_image=\"10506\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner width=\"1/6\"][vc_single_image image=\"10108\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-visible\" css_animation=\"el-fade\"][/vc_column_inner][vc_column_inner width=\"5/6\"][vc_custom_heading text=\"Catalyst FINposium 7-8\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23ffffff|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1521210740634{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]<strong>Event:</strong> Catalyst FINposium\r\n<strong>Date:</strong> May 15<sup>th</sup> &amp; 18<sup>th</sup>, 2017\r\n<strong>Location:</strong> Mumbai and Delhi\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]Catalyst’s invite-based flagship speaker series - “FINposium” was launched on 15th May in Mumbai, and in Delhi on 18th May, 2017. Noteworthy speakers and subject matter experts from the country and outside were invited to discuss common trends, issues and opportunities in the digital payment landscape.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_custom_heading text=\"OBJECTIVES\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23383b3b|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485501770323{margin-top: 30px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<ul class=\"pclist-red\">\r\n 	<li>Present insights from the Digital Payments Lab in Jaipur and seek audience feedback</li>\r\n 	<li>Share global best practices on merchant acceptance &amp; implications for the Indian payments eco-system</li>\r\n 	<li>Overview &amp; highlights of the Ratan Watal Committee recommendations on Digital Payments</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\" padding_top=\"0\"][vc_column][vc_custom_heading text=\"SPEAKER SERIES\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23373a3a|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24 \"]<strong>Issues that need answers for Digital Payments in the country</strong>\r\n<div class=\"pred\">Presenter (Mumbai): Mr. Padmanabhan, Ex- RBI ED</div>\r\nThe session commenced with the introduction of Mr. Padmanabhan, ex-RBI ED with an expansive experience in banking and payments sector addressed some of the critical questions that the country needs to find answers to for a seamless transition from a cash-rich to a digital economy.\r\n<ul class=\"pclist-red\">\r\n 	<li>Bringing the right balance between supply and demand was emphasised as a critical influencer for the shift towards digital. Measuring the impact of incentives towards digital and dis-incentivising cash were highlighted as exigent areas of study to explore effectiveness.</li>\r\n 	<li>Proliferation in the number of digital payment players and their offerings has left a sense of confusion in the minds of users, thereby limiting their decision making on the right choice of solution was noted as a key concern that augmented the fear for masses to move towards digital. Catalyst quoted an experiment from the recent merchant adoption drive in Barkat Nagar where merchants were provided a solution comparison matrix that was believed to have helped in quicker decision making on the choice of solution.</li>\r\n 	<li>Lastly, the role of non-banks in the payment eco-system and their positioning to drive financial inclusion was indicated as an evolution that the country will see along the way.</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24 \"]<strong>NITIAayog’s drive for digital payments in the country</strong>\r\n<div class=\"pred\">Presenter (Delhi): Ms. Anna Roy, NITIAayog</div>\r\nThe session commenced with the introduction of Ms. Anna Roy who outlined NITIAayog’s approach towards the mission of 2500 Cr digital transactions for 2017-18, while also highlighting certain live issues.\r\n<ul class=\"pclist-red\">\r\n 	<li>Emphasis on the need for evidence based research in policymaking for increasing digital payments adoption. Catalyst’s rapid evidence generation would be helpful in that aspect.</li>\r\n 	<li>While implementation remains a challenge after scheme roll-out, understanding why MDR continues to exists as a barrier for merchants to adopt digital payments would assist in merchant on-boarding. Also, in an effort to bring small traders under its ambit, policy interventions need to be formulated accordingly to address the concern. This is another critical area where Catalyst could provide immense value.</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]<strong>Ratan Watal Committee Recommendations for Digital Payments</strong>\r\n<div class=\"pred\">Presenter (Mumbai): Prateek Shah</div>\r\n<div class=\"pred\">Presenter (Delhi): Ashish Aggarwal, NIPFP</div>\r\nThis session covered the regulatory landscape of digital payments specifically highlighting some of the systemic risk related recommendations proposed by the Committee where the State as a regulator shall own, intervene and have an oversight of the payments system, in-line with best practices from across the world.\r\n<ul class=\"pclist-red\">\r\n 	<li>Large scale amendments to the main payments legislation through the Payments &amp; Settlements Systems Act, along the lines of more clarity in the law\'s objective, establishing regulatory governance process and propose a structure to regulator\'s report</li>\r\n 	<li>The set-up of an independent “Payments Regulatory Board” within RBI which is unprecedented and replaces the existing Board of Regulation and Supervision of Payment and Settlements System, as it creates a conflict of interest</li>\r\n 	<li>The Board for Regulation and supervision of payment and settlement systems (BPSS committee), now referred to as the payments regulator committee is bound by 3 key objectives to promote Consumer experience &amp; security, competition and innovation</li>\r\n 	<li>Regulator make systems conducive by allowing rule making petition and controlled experiments through regulatory sandbox and building institutional mechanism to increase innovation</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]<strong>Insights from Catalyst’s Digital Payment Lab in Jaipur</strong>\r\n<div class=\"pred\">Presenter (Mumbai and Delhi): Alok Gupta, Implementation &amp; Partnerships – Catalyst</div>\r\nCatalyst presented learnings and insights from its first pilot experiment in one of Jaipur’s major market- Barkat Nagar. The session started with an overview of the objective of the merchant adoption drive in the market area followed by an overview of the campaign design and key learnings from the ground such as reasons for non-adoption and low activity/usage of the solution. The feedback from the audience indicated the following:\r\n<ul class=\"pclist-red\">\r\n 	<li>Influencing digital payment adoption would be easier at B2B segment than for the consumer community given the efforts around literacy should be far more intense to make an impact</li>\r\n 	<li>Assessment of the real need for the consumer to pay digitally is a vital driver rather than inundating incentives to force adoption. However, incentives would not be a solution for sustained usage, but can aid in measuring behavioural shift impact. Therefore, perceived convenience can be identified only when there is an opportunity to trial.</li>\r\n 	<li>Merchant is a direct influencer for the consumer to pay digitally</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]<strong>Global Best Practices on Merchant Acceptance</strong>\r\n<div class=\"pred\">Presenter: Allen Weinberg</div>\r\nA wide range of insights that influence economies to shift from cash to digital was presented by one of Catalyst’s Knowledge &amp; Research Partner – Glenbrook. The session highlighted examples that indicated that interest of merchants across the globe was in increasing sales &amp; revenue. Their driver to accept digital payments is influenced largely by a prevalent &amp; proven opportunity to lower cost base. In summary, some of the key highlights on potential experiments in India that can lead to interesting study models addressed were:\r\n<ul class=\"pclist-red\">\r\n 	<li>Is credit a hook for payments has to be validated based on the real market need for small-merchants. Whilst credit has some predictive value on e-payments, the product is yet to evolve and provide greater detail of insights to banking institutions &amp; fin-techs on the cash-position of the merchant to assess his pay-back capability</li>\r\n 	<li>Assessment of loyalty as a value-added service should be experimented in the context of Indian market for small merchant community. This platform will capture transaction level data, enhance the consumer-engagement envelope by channelizing digital offers to consumers and providing multiple options of using credit /product-financing at the point of sale, thereby providing data indicators to show if consumer lending is more lucrative than merchant lending</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_custom_heading text=\"RESOURCES\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23d11e3c|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488187188062{margin-top: 30px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<ul class=\"pclist-red\">\r\n 	<li><a href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/06/Catalyst-FINposium.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Catalyst Digital Payments Camp - Key Insights </a></li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"7886\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549454393812{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">[footer_copy]</p>\r\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\r\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'Partner Convening 7-8', '', 'publish', 'closed', 'closed', '', 'partner-convening-7', '', '', '2019-02-06 11:59:57', '2019-02-06 11:59:57', '', 0, 'http://cashlesscatalyst.org/?page_id=10505', 0, 'page', '', 0),
(40455, 23, '2019-02-06 11:59:57', '2019-02-06 11:59:57', '[vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"65\" padding_bottom=\"65\" bg_image=\"10506\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner width=\"1/6\"][vc_single_image image=\"10108\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-visible\" css_animation=\"el-fade\"][/vc_column_inner][vc_column_inner width=\"5/6\"][vc_custom_heading text=\"Catalyst FINposium 7-8\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23ffffff|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1521210740634{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]<strong>Event:</strong> Catalyst FINposium\r\n<strong>Date:</strong> May 15<sup>th</sup> &amp; 18<sup>th</sup>, 2017\r\n<strong>Location:</strong> Mumbai and Delhi\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]Catalyst’s invite-based flagship speaker series - “FINposium” was launched on 15th May in Mumbai, and in Delhi on 18th May, 2017. Noteworthy speakers and subject matter experts from the country and outside were invited to discuss common trends, issues and opportunities in the digital payment landscape.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_custom_heading text=\"OBJECTIVES\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23383b3b|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485501770323{margin-top: 30px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<ul class=\"pclist-red\">\r\n 	<li>Present insights from the Digital Payments Lab in Jaipur and seek audience feedback</li>\r\n 	<li>Share global best practices on merchant acceptance &amp; implications for the Indian payments eco-system</li>\r\n 	<li>Overview &amp; highlights of the Ratan Watal Committee recommendations on Digital Payments</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\" padding_top=\"0\"][vc_column][vc_custom_heading text=\"SPEAKER SERIES\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23373a3a|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24 \"]<strong>Issues that need answers for Digital Payments in the country</strong>\r\n<div class=\"pred\">Presenter (Mumbai): Mr. Padmanabhan, Ex- RBI ED</div>\r\nThe session commenced with the introduction of Mr. Padmanabhan, ex-RBI ED with an expansive experience in banking and payments sector addressed some of the critical questions that the country needs to find answers to for a seamless transition from a cash-rich to a digital economy.\r\n<ul class=\"pclist-red\">\r\n 	<li>Bringing the right balance between supply and demand was emphasised as a critical influencer for the shift towards digital. Measuring the impact of incentives towards digital and dis-incentivising cash were highlighted as exigent areas of study to explore effectiveness.</li>\r\n 	<li>Proliferation in the number of digital payment players and their offerings has left a sense of confusion in the minds of users, thereby limiting their decision making on the right choice of solution was noted as a key concern that augmented the fear for masses to move towards digital. Catalyst quoted an experiment from the recent merchant adoption drive in Barkat Nagar where merchants were provided a solution comparison matrix that was believed to have helped in quicker decision making on the choice of solution.</li>\r\n 	<li>Lastly, the role of non-banks in the payment eco-system and their positioning to drive financial inclusion was indicated as an evolution that the country will see along the way.</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24 \"]<strong>NITIAayog’s drive for digital payments in the country</strong>\r\n<div class=\"pred\">Presenter (Delhi): Ms. Anna Roy, NITIAayog</div>\r\nThe session commenced with the introduction of Ms. Anna Roy who outlined NITIAayog’s approach towards the mission of 2500 Cr digital transactions for 2017-18, while also highlighting certain live issues.\r\n<ul class=\"pclist-red\">\r\n 	<li>Emphasis on the need for evidence based research in policymaking for increasing digital payments adoption. Catalyst’s rapid evidence generation would be helpful in that aspect.</li>\r\n 	<li>While implementation remains a challenge after scheme roll-out, understanding why MDR continues to exists as a barrier for merchants to adopt digital payments would assist in merchant on-boarding. Also, in an effort to bring small traders under its ambit, policy interventions need to be formulated accordingly to address the concern. This is another critical area where Catalyst could provide immense value.</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]<strong>Ratan Watal Committee Recommendations for Digital Payments</strong>\r\n<div class=\"pred\">Presenter (Mumbai): Prateek Shah</div>\r\n<div class=\"pred\">Presenter (Delhi): Ashish Aggarwal, NIPFP</div>\r\nThis session covered the regulatory landscape of digital payments specifically highlighting some of the systemic risk related recommendations proposed by the Committee where the State as a regulator shall own, intervene and have an oversight of the payments system, in-line with best practices from across the world.\r\n<ul class=\"pclist-red\">\r\n 	<li>Large scale amendments to the main payments legislation through the Payments &amp; Settlements Systems Act, along the lines of more clarity in the law\'s objective, establishing regulatory governance process and propose a structure to regulator\'s report</li>\r\n 	<li>The set-up of an independent “Payments Regulatory Board” within RBI which is unprecedented and replaces the existing Board of Regulation and Supervision of Payment and Settlements System, as it creates a conflict of interest</li>\r\n 	<li>The Board for Regulation and supervision of payment and settlement systems (BPSS committee), now referred to as the payments regulator committee is bound by 3 key objectives to promote Consumer experience &amp; security, competition and innovation</li>\r\n 	<li>Regulator make systems conducive by allowing rule making petition and controlled experiments through regulatory sandbox and building institutional mechanism to increase innovation</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]<strong>Insights from Catalyst’s Digital Payment Lab in Jaipur</strong>\r\n<div class=\"pred\">Presenter (Mumbai and Delhi): Alok Gupta, Implementation &amp; Partnerships – Catalyst</div>\r\nCatalyst presented learnings and insights from its first pilot experiment in one of Jaipur’s major market- Barkat Nagar. The session started with an overview of the objective of the merchant adoption drive in the market area followed by an overview of the campaign design and key learnings from the ground such as reasons for non-adoption and low activity/usage of the solution. The feedback from the audience indicated the following:\r\n<ul class=\"pclist-red\">\r\n 	<li>Influencing digital payment adoption would be easier at B2B segment than for the consumer community given the efforts around literacy should be far more intense to make an impact</li>\r\n 	<li>Assessment of the real need for the consumer to pay digitally is a vital driver rather than inundating incentives to force adoption. However, incentives would not be a solution for sustained usage, but can aid in measuring behavioural shift impact. Therefore, perceived convenience can be identified only when there is an opportunity to trial.</li>\r\n 	<li>Merchant is a direct influencer for the consumer to pay digitally</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]<strong>Global Best Practices on Merchant Acceptance</strong>\r\n<div class=\"pred\">Presenter: Allen Weinberg</div>\r\nA wide range of insights that influence economies to shift from cash to digital was presented by one of Catalyst’s Knowledge &amp; Research Partner – Glenbrook. The session highlighted examples that indicated that interest of merchants across the globe was in increasing sales &amp; revenue. Their driver to accept digital payments is influenced largely by a prevalent &amp; proven opportunity to lower cost base. In summary, some of the key highlights on potential experiments in India that can lead to interesting study models addressed were:\r\n<ul class=\"pclist-red\">\r\n 	<li>Is credit a hook for payments has to be validated based on the real market need for small-merchants. Whilst credit has some predictive value on e-payments, the product is yet to evolve and provide greater detail of insights to banking institutions &amp; fin-techs on the cash-position of the merchant to assess his pay-back capability</li>\r\n 	<li>Assessment of loyalty as a value-added service should be experimented in the context of Indian market for small merchant community. This platform will capture transaction level data, enhance the consumer-engagement envelope by channelizing digital offers to consumers and providing multiple options of using credit /product-financing at the point of sale, thereby providing data indicators to show if consumer lending is more lucrative than merchant lending</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_custom_heading text=\"RESOURCES\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23d11e3c|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488187188062{margin-top: 30px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<ul class=\"pclist-red\">\r\n 	<li><a href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/06/Catalyst-FINposium.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Catalyst Digital Payments Camp - Key Insights </a></li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"7886\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549454393812{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">[footer_copy]</p>\r\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\r\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'Partner Convening 7-8', '', 'inherit', 'closed', 'closed', '', '10505-revision-v1', '', '', '2019-02-06 11:59:57', '2019-02-06 11:59:57', '', 10505, 'https://cashlesscatalyst.org/media/10505-revision-v1/', 0, 'revision', '', 0),
(10506, 1, '2017-06-07 14:11:45', '2017-06-07 14:11:45', '', 'mi-inner', '', 'inherit', 'closed', 'closed', '', 'mi-inner', '', '', '2017-06-07 14:11:45', '2017-06-07 14:11:45', '', 10505, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/mi-inner.jpg', 0, 'attachment', 'image/jpeg', 0),
(10509, 1, '2017-06-07 14:31:29', '2017-06-07 14:31:29', '', 'Catalyst-FINposium-mi', '', 'inherit', 'closed', 'closed', '', 'catalyst-finposium-mi', '', '', '2017-06-07 14:31:29', '2017-06-07 14:31:29', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/06/Catalyst-FINposium-mi.pdf', 0, 'attachment', 'application/pdf', 0),
(10514, 1, '2017-06-07 14:48:52', '2017-06-07 14:48:52', '', 'dl-inner', '', 'inherit', 'closed', 'closed', '', 'dl-inner', '', '', '2017-06-07 14:48:52', '2017-06-07 14:48:52', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/dl-inner.jpg', 0, 'attachment', 'image/jpeg', 0),
(10522, 1, '2017-06-08 06:14:30', '2017-06-08 06:14:30', '', 'Parvinder', '', 'inherit', 'closed', 'closed', '', 'parvinder', '', '', '2017-06-08 06:14:30', '2017-06-08 06:14:30', '', 10230, 'http://cashlesscatalyst.org/wp-content/uploads/2017/04/Parvinder.png', 0, 'attachment', 'image/png', 0),
(10523, 1, '2017-06-08 06:15:39', '2017-06-08 06:15:39', '', 'rtj', '', 'inherit', 'closed', 'closed', '', 'rtj', '', '', '2017-06-08 06:15:39', '2017-06-08 06:15:39', '', 10230, 'http://cashlesscatalyst.org/wp-content/uploads/2017/04/rtj.jpg', 0, 'attachment', 'image/jpeg', 0),
(10541, 1, '2017-06-08 11:26:47', '2017-06-08 11:26:47', '', 'Catalyst-FINposium', '', 'inherit', 'closed', 'closed', '', 'catalyst-finposium', '', '', '2017-06-08 11:26:47', '2017-06-08 11:26:47', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/06/Catalyst-FINposium.pdf', 0, 'attachment', 'application/pdf', 0),
(10543, 1, '2017-06-08 11:59:03', '2017-06-08 11:59:03', '', 'dark-bg', '', 'inherit', 'closed', 'closed', '', 'dark-bg', '', '', '2017-06-08 11:59:03', '2017-06-08 11:59:03', '', 10230, 'http://cashlesscatalyst.org/wp-content/uploads/2017/04/dark-bg.png', 0, 'attachment', 'image/png', 0),
(10548, 1, '2017-06-08 13:25:39', '2017-06-08 13:25:39', '', 'ln-img-n51', '', 'inherit', 'closed', 'closed', '', 'ln-img-n51', '', '', '2017-06-08 13:25:39', '2017-06-08 13:25:39', '', 10423, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/ln-img-n51.png', 0, 'attachment', 'image/png', 0),
(10549, 1, '2017-06-08 13:25:52', '2017-06-08 13:25:52', '', 'ln-img-n51', '', 'inherit', 'closed', 'closed', '', 'ln-img-n51-2', '', '', '2017-06-08 13:25:52', '2017-06-08 13:25:52', '', 10423, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/ln-img-n51-1.png', 0, 'attachment', 'image/png', 0),
(10552, 1, '2017-06-09 06:13:52', '2017-06-09 06:13:52', '', 'jaipur-listing', '', 'inherit', 'closed', 'closed', '', 'jaipur-listing', '', '', '2017-06-09 06:13:52', '2017-06-09 06:13:52', '', 10290, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/jaipur-listing.png', 0, 'attachment', 'image/png', 0),
(10557, 1, '2017-06-09 12:41:00', '2017-06-09 12:41:00', ' ', '', '', 'publish', 'closed', 'closed', '', '10557', '', '', '2019-11-07 07:39:36', '2019-11-07 07:39:36', '', 0, 'http://cashlesscatalyst.org/?p=10557', 23, 'nav_menu_item', '', 0),
(10559, 1, '2016-12-30 06:22:42', '2016-12-30 06:22:42', '[vc_row content_placement=\"middle\" inner_container=\"no\" padding_top=\"0\" padding_bottom=\"0\"][vc_column][rev_slider_vc alias=\"latest-news\"][/vc_column][/vc_row][vc_row type=\"image\" bg_repeat=\"repeat\" bg_attachment=\"true\" enable_parallax=\"false\" padding_bottom=\"0\" bg_image=\"10448\"][vc_column][vc_wp_custommenu nav_menu=\"41\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" disable_element=\"yes\" front_status=\"draft\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"30\"][vc_column width=\"3/4\"][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"publications-innercontainer\" css=\".vc_custom_1483946378991{margin-bottom: 10px !important;padding-right: 5px !important;padding-left: 5px !important;}\"][vc_column_text letter_spacing=\"\"][pcs template=\'ws\' showfield=\'title,thumbnail,date,content,tag,pagination\' posttype=\'post\' categories=\'category$latest-news\' orderby=\'ID\' order=\'ASC\' tsize=\'medium\' paged=\'1\' postcount= \'10\' taxrel=\'OR\' customfield=\'news_type\' pagedvar=\'591319462be32\'][/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1483949189835{padding-right: 5px !important;padding-left: 5px !important;}\"][vc_row_inner css=\".vc_custom_1483950246744{padding-bottom: 10px !important;}\"][vc_column_inner][vc_column_text letter_spacing=\"\"][fts_twitter twitter_name=cashlesscatalys tweets_count=5 twitter_height=400px cover_photo=no stats_bar=no show_retweets=yes show_replies=yes][/vc_column_text][/vc_column_inner][/vc_row_inner][vc_wp_custommenu nav_menu=\"42\" title=\"In this section\" el_class=\"ppress-types\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"image\" bg_color=\"#ffffff\" bg_repeat=\"repeat\" bg_attachment=\"true\" enable_parallax=\"false\" padding_top=\"30\" bg_image=\"10448\"][vc_column width=\"3/4\"][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"publications-innercontainer\" css=\".vc_custom_1483946378991{margin-bottom: 10px !important;padding-right: 5px !important;padding-left: 5px !important;}\"][vc_column_text letter_spacing=\"\"][pcs template=\'core\' showfield=\'title,thumbnail,date,pagination\' posttype=\'post\' categories=\'category$newsletters\' orderby=\'ID\' order=\'ASC\' tsize=\'medium\' paged=\'1\' postcount= \'6\' taxrel=\'OR\' customfield=\'news_type\' pagedvar=\'59354fe70c90c\'][/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1496733778552{padding-right: 5px !important;padding-bottom: 5px !important;padding-left: 5px !important;background-color: #ffffff !important;}\"][vc_row_inner css=\".vc_custom_1483950246744{padding-bottom: 10px !important;}\"][vc_column_inner][vc_column_text letter_spacing=\"\"][fts_twitter twitter_name=cashlesscatalys tweets_count=5 twitter_height=400px cover_photo=no stats_bar=no show_retweets=yes show_replies=yes][/vc_column_text][/vc_column_inner][/vc_row_inner][vc_wp_tagcloud title=\"TAGS\" el_class=\"pwidget-title\" taxonomy=\"post_tag\"][vc_custom_heading text=\"CONNECT WITH US\" use_theme_fonts=\"yes\" letter_spacing=\"\" el_class=\"pwidget-title\"][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#373a3a\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#373a3a\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#373a3a\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#373a3a\"][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"9937\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549454811130{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">[footer_copy]</p>\r\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\r\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'Newsletters', '', 'publish', 'closed', 'closed', '', 'newsletters', '', '', '2019-02-06 12:06:54', '2019-02-06 12:06:54', '', 0, 'http://cashlesscatalyst.org/?page_id=10559', 0, 'page', '', 0),
(40469, 23, '2019-02-06 12:06:54', '2019-02-06 12:06:54', '[vc_row content_placement=\"middle\" inner_container=\"no\" padding_top=\"0\" padding_bottom=\"0\"][vc_column][rev_slider_vc alias=\"latest-news\"][/vc_column][/vc_row][vc_row type=\"image\" bg_repeat=\"repeat\" bg_attachment=\"true\" enable_parallax=\"false\" padding_bottom=\"0\" bg_image=\"10448\"][vc_column][vc_wp_custommenu nav_menu=\"41\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" disable_element=\"yes\" front_status=\"draft\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"30\"][vc_column width=\"3/4\"][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"publications-innercontainer\" css=\".vc_custom_1483946378991{margin-bottom: 10px !important;padding-right: 5px !important;padding-left: 5px !important;}\"][vc_column_text letter_spacing=\"\"][pcs template=\'ws\' showfield=\'title,thumbnail,date,content,tag,pagination\' posttype=\'post\' categories=\'category$latest-news\' orderby=\'ID\' order=\'ASC\' tsize=\'medium\' paged=\'1\' postcount= \'10\' taxrel=\'OR\' customfield=\'news_type\' pagedvar=\'591319462be32\'][/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1483949189835{padding-right: 5px !important;padding-left: 5px !important;}\"][vc_row_inner css=\".vc_custom_1483950246744{padding-bottom: 10px !important;}\"][vc_column_inner][vc_column_text letter_spacing=\"\"][fts_twitter twitter_name=cashlesscatalys tweets_count=5 twitter_height=400px cover_photo=no stats_bar=no show_retweets=yes show_replies=yes][/vc_column_text][/vc_column_inner][/vc_row_inner][vc_wp_custommenu nav_menu=\"42\" title=\"In this section\" el_class=\"ppress-types\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"image\" bg_color=\"#ffffff\" bg_repeat=\"repeat\" bg_attachment=\"true\" enable_parallax=\"false\" padding_top=\"30\" bg_image=\"10448\"][vc_column width=\"3/4\"][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"publications-innercontainer\" css=\".vc_custom_1483946378991{margin-bottom: 10px !important;padding-right: 5px !important;padding-left: 5px !important;}\"][vc_column_text letter_spacing=\"\"][pcs template=\'core\' showfield=\'title,thumbnail,date,pagination\' posttype=\'post\' categories=\'category$newsletters\' orderby=\'ID\' order=\'ASC\' tsize=\'medium\' paged=\'1\' postcount= \'6\' taxrel=\'OR\' customfield=\'news_type\' pagedvar=\'59354fe70c90c\'][/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1496733778552{padding-right: 5px !important;padding-bottom: 5px !important;padding-left: 5px !important;background-color: #ffffff !important;}\"][vc_row_inner css=\".vc_custom_1483950246744{padding-bottom: 10px !important;}\"][vc_column_inner][vc_column_text letter_spacing=\"\"][fts_twitter twitter_name=cashlesscatalys tweets_count=5 twitter_height=400px cover_photo=no stats_bar=no show_retweets=yes show_replies=yes][/vc_column_text][/vc_column_inner][/vc_row_inner][vc_wp_tagcloud title=\"TAGS\" el_class=\"pwidget-title\" taxonomy=\"post_tag\"][vc_custom_heading text=\"CONNECT WITH US\" use_theme_fonts=\"yes\" letter_spacing=\"\" el_class=\"pwidget-title\"][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#373a3a\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#373a3a\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#373a3a\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#373a3a\"][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"9937\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549454811130{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">[footer_copy]</p>\r\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\r\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'Newsletters', '', 'inherit', 'closed', 'closed', '', '10559-revision-v1', '', '', '2019-02-06 12:06:54', '2019-02-06 12:06:54', '', 10559, 'https://cashlesscatalyst.org/media/10559-revision-v1/', 0, 'revision', '', 0),
(10562, 1, '2017-06-13 11:11:42', '2017-06-13 11:11:42', '', 'Cat', '', 'inherit', 'closed', 'closed', '', 'cat', '', '', '2017-06-13 11:11:42', '2017-06-13 11:11:42', '', 8325, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/Cat.jpg', 0, 'attachment', 'image/jpeg', 0);
INSERT INTO `in_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES
(10564, 1, '2017-05-11 04:37:28', '2017-05-11 04:37:28', '[vc_row padding_top=\"0\" padding_bottom=\"0\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#555555\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\"]\r\n<div style=\"text-align: center; margin: auto;\">\r\n\r\n<object style=\"width: 60%; height: 400px;\" data=\"//www.youtube.com/v/6kCRbE848gU?color2=FBE9EC&amp;rel=0&amp;showsearch=0&amp;version=3\" type=\"application/x-shockwave-flash\" width=\"300\" height=\"150\">        <param name=\"movie\" value=\"//www.youtube.com/v/6kCRbE848gU?color2=FBE9EC&amp;rel=0&amp;showsearch=0&amp;version=3\" />        <param name=\"allowFullScreen\" value=\"true\" />        <param name=\"allowscriptaccess\" value=\"always\" />        </object>\r\n\r\n</div>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]', 'Benefits of accepting digital payments', '', 'draft', 'closed', 'open', '', 'benefits-accepting-digital-payments', '', '', '2017-07-19 12:53:15', '2017-07-19 12:53:15', '', 0, 'http://cashlesscatalyst.org/?p=10564', 33, 'post', '', 0),
(10565, 1, '2017-06-13 13:03:18', '2017-06-13 13:03:18', '', 'Video-1', '', 'inherit', 'closed', 'closed', '', 'video-1', '', '', '2017-06-13 13:03:18', '2017-06-13 13:03:18', '', 10564, 'http://cashlesscatalyst.org/wp-content/uploads/2017/05/Video-1.jpg', 0, 'attachment', 'image/jpeg', 0),
(10569, 1, '2017-05-15 04:37:28', '2017-05-15 04:37:28', '', 'Catalyst Merchant Camp at Barkat Nagar, Jaipur', '', 'publish', 'closed', 'open', '', 'catalyst-merchant-camp-barkat-nagar-jaipur', '', '', '2017-08-10 13:01:02', '2017-08-10 13:01:02', '', 0, 'http://cashlesscatalyst.org/?p=10569', 36, 'post', '', 0),
(10570, 1, '2017-06-13 13:44:48', '2017-06-13 13:44:48', '', 'video-2', '', 'inherit', 'closed', 'closed', '', 'video-2', '', '', '2017-06-13 13:44:48', '2017-06-13 13:44:48', '', 10569, 'http://cashlesscatalyst.org/wp-content/uploads/2017/05/video-2.jpg', 0, 'attachment', 'image/jpeg', 0),
(10574, 1, '2017-06-13 04:37:28', '2017-06-13 04:37:28', '[vc_row <div style=\"display:none\"><a href=\"http://muscular-info.pro/build-your-muscles/proper-nutrition-for-weight-loss-5-effective-rules.html\" title=\"Proper nutrition for weight loss 5 effective rules\">Proper nutrition for weight loss 5 effective rules</a></div> padding_top=\"0\" padding_bottom=\"0\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text <div style=\"display:none\"><a href=\"https://www.88dragonsonline.co.uk/modul/\" title=\"Legal Steroids for sale\">Legal Steroids for sale</a></div> text_color=\"#555555\" font_size=\"16px\" <div style=\"display:none\"><a href=\"http://hammer-wiki.com/fitness-is-training-proper-nutrition-and/pull-ups-on-the-rung.html\" title=\"Pull-ups on the rung\">Pull-ups on the rung</a></div> letter_spacing=\"\" el_class=\"lh22\"][/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]', 'Demystifying the digital divide in Jaipur', '', 'publish', 'closed', 'open', '', 'the-digital-divide', '', '', '2018-05-29 05:54:51', '2018-05-29 05:54:51', '', 0, 'http://cashlesscatalyst.org/?p=10574', 32, 'post', '', 0),
(10575, 1, '2017-06-14 05:19:32', '2017-06-14 05:19:32', '', 'news', '', 'inherit', 'closed', 'closed', '', 'news-2', '', '', '2017-06-14 05:19:32', '2017-06-14 05:19:32', '', 10574, 'http://cashlesscatalyst.org/wp-content/uploads/2017/03/news.jpg', 0, 'attachment', 'image/jpeg', 0),
(10577, 1, '2017-06-14 05:32:13', '2017-06-14 05:32:13', '', 'digital-divide', '', 'inherit', 'closed', 'closed', '', 'digital-divide', '', '', '2017-06-14 05:32:13', '2017-06-14 05:32:13', '', 10574, 'http://cashlesscatalyst.org/wp-content/uploads/2017/06/digital-divide.jpg', 0, 'attachment', 'image/jpeg', 0),
(10579, 1, '2017-06-14 08:50:26', '2017-06-14 08:50:26', '', 'the-digital-divide', '', 'inherit', 'closed', 'closed', '', 'the-digital-divide-2', '', '', '2017-06-14 08:50:26', '2017-06-14 08:50:26', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/06/the-digital-divide.jpg', 0, 'attachment', 'image/jpeg', 0),
(10585, 1, '2017-06-19 09:06:51', '2017-06-19 09:06:51', '', 'miles-banner', '', 'inherit', 'closed', 'closed', '', 'miles-banner', '', '', '2017-06-19 09:06:51', '2017-06-19 09:06:51', '', 10309, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/miles-banner.jpg', 0, 'attachment', 'image/jpeg', 0),
(10588, 1, '2017-06-19 09:30:16', '2017-06-19 09:30:16', '', 'miles-banner1', '', 'inherit', 'closed', 'closed', '', 'miles-banner1', '', '', '2017-06-19 09:30:16', '2017-06-19 09:30:16', '', 10309, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/miles-banner1.jpg', 0, 'attachment', 'image/jpeg', 0),
(10593, 1, '2017-06-19 12:18:59', '2017-06-19 12:18:59', '', 'miles-banner2', '', 'inherit', 'closed', 'closed', '', 'miles-banner2', '', '', '2017-06-19 12:18:59', '2017-06-19 12:18:59', '', 10309, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/miles-banner2.jpg', 0, 'attachment', 'image/jpeg', 0),
(10594, 1, '2017-06-19 12:25:48', '2017-06-19 12:25:48', '', 'miles-banner3', '', 'inherit', 'closed', 'closed', '', 'miles-banner3', '', '', '2017-06-19 12:25:48', '2017-06-19 12:25:48', '', 10309, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/miles-banner3.jpg', 0, 'attachment', 'image/jpeg', 0),
(10595, 1, '2017-06-19 12:30:52', '2017-06-19 12:30:52', '', 'miles-banner4', '', 'inherit', 'closed', 'closed', '', 'miles-banner4', '', '', '2017-06-19 12:30:52', '2017-06-19 12:30:52', '', 10309, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/miles-banner4.jpg', 0, 'attachment', 'image/jpeg', 0),
(10597, 2, '2016-12-27 11:05:26', '2016-12-27 11:05:26', '[vc_row full_height=\"yes\" equal_height=\"yes\" content_placement=\"middle\" text_align=\"center\" type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"110\" padding_bottom=\"0\" bg_image=\"10598\"][vc_column][kleo_gap size=\"100px\"][vc_row_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][vc_column_inner width=\"2/3\"][vc_custom_heading text=\"CATALYST INCUBATOR INITIATIVE\" font_container=\"tag:h2|font_size:48px|text_align:center|color:%23ffffff|line_height:54px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<p class=\"lh30\" style=\"text-align: center;\">By Vivek Gupta</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"130px\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"color\" bg_color=\"#ffffff\" padding_bottom=\"0\"][vc_column width=\"1/2\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"5/12\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1488531444909{padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1488531456733{padding-right: 0px !important;}\"][vc_column_text letter_spacing=\"\"][addtoany][/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" padding_top=\"20\"][vc_column][vc_row_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">What creates a less-cash society? This is a question that consumes us at Catalyst. Our hypothesis, till the time we are proven wrong, is simple: A ‘less-cash’ society is created when there is an ecosystem that enables, supports and incentivizes digital payments, thereby creating a virtuous loop. This ecosystem consists of consumers, merchants, their suppliers, regulators, government and, last but not the least, innovative business models that address hitherto unidentified market gaps. While our ‘digital payments lab’ and ‘regulatory sandbox’ address the former aspects, it is our ‘fintech for the last mile’ incubator that will empower innovators addressing these hard to solve market gaps.</p>\r\n<p style=\"text-align: justify;\">Internet based business models in India have been unfortunately limited to the top 100-200 million consumers – those that are conversant with English and have access to smartphones. While this is a good start for a primarily cash driven economy and has encouraged a whole new set of entrepreneurs, this model has reached its limits. Slowing growth rates for ecommerce companies[1] and the recent waves of shutdowns in the startup ecosystem are testimonies to the limits of the shallow market.</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">Fintech, especially digital payments have also suffered from similar problems. While closed loop wallets, payment gateways and alternative lending products have opened the Indian consumer’s mind to fintech products, the fact remains that most of these solutions have failed to touch the life of the common man, as evident from epidemic of zero-balance wallets, limited card penetration and abundance of thin-file consumers. On the other hand, the digital payments landscape in India has undergone a sea change with the availability of a world beating payments infrastructure – UPI. Aadhar enabled services have lowered the cost of doing business dramatically by providing a world class infrastructure over which services can be built. These infrastructure enablements, coupled with policy initiatives like demonetization and the sustained focus on digital transaction have created a scenario where there exists the potential to create large scale businesses that transform the lives of the common man, especially those at the lower end of the pyramid.</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"100\" padding_bottom=\"100\" bg_image=\"10599\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_column_text text_color=\"#ffffff\" font_size=\"40px\" letter_spacing=\"\" el_class=\"pwhite ptitle\" css=\".vc_custom_1497958726372{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"]\r\n<h2 style=\"text-align: center;\">The <strong class=\"pred\">CATALYST</strong> Incubator</h2>\r\n[/vc_column_text][vc_custom_heading text=\"What is it &amp; how it works?\" font_container=\"tag:h2|font_size:30px|text_align:center|color:%23ffffff|line_height:36px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1497958366569{margin-top: 0px !important;padding-top: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" padding_bottom=\"10\"][vc_column][vc_row_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">Businesses which address this segment face multiple challenges such as from a long return horizon for investors, evolving business models, changing regulatory landscape and high costs of educating and acquiring customers. We feel that this necessitates a different approach during the startup’s initial phase. Startups addressing such tough problems need a potent mix of the following:</p>\r\n[/vc_column_text][vc_single_image image=\"10604\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-visible\" css_animation=\"left-to-right\"][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">Based on the insights derived from the groundbreaking work being done by Catalyst in its Digital Payments Labs, our incubator is designed to solve these hard problems in a systematic manner. To start with, we provide the initial patient capital that is required by such startups. Our US$ 50K grants, to be awarded to 15 startups over the course of the year, will give the startups the initial runway required to test and develop problem-specific solutions without worrying about equity dilution, hyper-growth or vanity metrics. While our commitment is to support businesses that are sustainable, starting them out with a grant ensures that they spend the initial most critical phase of their startup developing solutions that address real needs.</p>\r\n<p style=\"text-align: justify;\">Grants based support has always been a key component in the success of the startups that solve hard systemic problems. In India, Babajob – a portal for blue collar jobs – is probably a success story. Supported by a $1Million grant from USAID’s Development Innovation Ventures, Babajob went on to be sustainable, raising a $10Million Series A round and has emerged as one the largest blue collar job portal in the country. Similar examples abound in fintech as well, well established companies ranging from Kiva to innovative startups like Tala rely on grant funding achieve their objectives.</p>\r\n<p style=\"text-align: justify;\">Coupled with grants, the incubator also offers the startups mentorship from leading industry figures, venture capitalists and international development consultants. The goal is to provide startups with the necessary industry connections and to help them learn from the experiences of the seasoned entrepreneurs so that they can stand on their own once the incubation period is over.</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"100\" padding_bottom=\"100\" bg_image=\"10600\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_custom_heading text=\"Moving forward with <strong>Digital Payment Labs </strong>\" font_container=\"tag:h2|font_size:40px|text_align:center|color:%23ffffff|line_height:46px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" padding_bottom=\"10\"][vc_column][vc_row_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">Last but not the least, startups that become a part our incubator will be integrated into the ‘Digital Payments Labs’ that we are running in Jaipur. To any startup reading this post, this is the ‘killer app’ that distinguishes us from any other incubator in the market. Digital Payments Labs is Catalyst’s tried and tested way of rapid evidence generation and testing. A typical Digital Payments Lab is a limited geographical area with certain demographic and socio-economic characteristics (ex: 50-50 mix of merchants and consumers, preponderance of salaried employees, abundance of small merchants), where Catalyst runs experiments and research projects to test the adoption of digital payment solutions. The experiments are designed by the Catalyst team, conducted on the ground by our in-house team of researchers and analyzed by our data scientists. Our incubatee startups will have access to the same labs infrastructure.</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">This will not only allow them test their hypotheses and products on real life customers that meet their actual user profile but also ensure – due to the involvement of our research team – that the surveys/ experiments are designed and administered in a scientific manner. Startups also get access to Catalyst and its partner’s wide body of research and learning so that many of them do not have to reinvent the wheel. All we ask for in return is that startups spend some time in Jaipur interacting with these users and monitoring the experiments that we will be doing on their behalf in the digital payments labs. Many startups addressing the mass market segment, especially in a fast changing economy like India, complain that it is untenable to follow the startup tenets of being lean, testing rigorously and failing fast. We hope that this unique aspect of our incubator will help startups to apply these principles to solving the hard problems facing the digital payments landscape in India.</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"100\" padding_bottom=\"100\" bg_image=\"10601\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner width=\"1/6\"][/vc_column_inner][vc_column_inner width=\"2/3\"][vc_custom_heading text=\"The building blocks are in place for our incubator and we are looking for startups! \" font_container=\"tag:h2|font_size:24px|text_align:center|color:%23cc132f|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1497959334942{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"24px\" letter_spacing=\"\" el_class=\"pwhite ptitle-24\" css=\".vc_custom_1497959122712{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"]\r\n<h2 style=\"text-align: center;\">If you are a startup which is solving these hard problem or if you know of any startups that fit the bill, inform them about us, ask them to head over to this <a href=\"http://cashlesscatalyst.org/connect/\">page</a> and apply!</h2>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"10px\" padding_bottom=\"10px\"][vc_column width=\"1/2\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"5/12\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1488531444909{padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1488531456733{padding-right: 0px !important;}\"][vc_column_text letter_spacing=\"\"][addtoany][/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row content_placement=\"middle\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"5\" padding_bottom=\"5\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"] [starbox id=2][/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"footer_area\" disable_element=\"yes\" front_status=\"draft\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" column_gap=\"no\" padding_top=\"70px\" padding_bottom=\"50px\" margin_top=\"0px\" bg_image=\"9937\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1484826151396{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">CATALYST is an initiative seeded by an alliance between the Government of India &amp; USAID, to expand digital payments and financial inclusion in India, especially for small merchants and low-income consumers.</p>\r\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\r\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'Catalyst Incubator Initiative', 'It is exciting to take plans from the drawing board to the field. Earlier this year, we rolled out one such project aimed at increasing digital payments adoption among small businesses in Barkat Nagar market, Jaipur.', 'draft', 'open', 'open', '', 'catalyst-incubator-initiative', '', '', '2017-06-20 11:58:36', '2017-06-20 11:58:36', '', 0, 'http://cashlesscatalyst.org/?p=10597', 49, 'post', '', 0),
(10598, 1, '2017-06-20 10:30:12', '2017-06-20 10:30:12', '', 'ib-banner', '', 'inherit', 'closed', 'closed', '', 'ib-banner', '', '', '2017-06-20 10:30:12', '2017-06-20 10:30:12', '', 10597, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/ib-banner.jpg', 0, 'attachment', 'image/jpeg', 0),
(10599, 1, '2017-06-20 10:38:54', '2017-06-20 10:38:54', '', 'lb-inner-banner1', '', 'inherit', 'closed', 'closed', '', 'lb-inner-banner1', '', '', '2017-06-20 10:38:54', '2017-06-20 10:38:54', '', 10597, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/lb-inner-banner1.jpg', 0, 'attachment', 'image/jpeg', 0),
(10600, 1, '2017-06-20 11:13:26', '2017-06-20 11:13:26', '', 'lb-inner-banner2', '', 'inherit', 'closed', 'closed', '', 'lb-inner-banner2', '', '', '2017-06-20 11:13:26', '2017-06-20 11:13:26', '', 10597, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/lb-inner-banner2.jpg', 0, 'attachment', 'image/jpeg', 0),
(10601, 1, '2017-06-20 11:20:44', '2017-06-20 11:20:44', '', 'lb-inner-banner3', '', 'inherit', 'closed', 'closed', '', 'lb-inner-banner3', '', '', '2017-06-20 11:20:44', '2017-06-20 11:20:44', '', 10597, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/lb-inner-banner3.jpg', 0, 'attachment', 'image/jpeg', 0),
(10604, 1, '2017-06-20 11:24:27', '2017-06-20 11:24:27', '', 'lb-img1', '', 'inherit', 'closed', 'closed', '', 'lb-img1', '', '', '2017-06-20 11:24:27', '2017-06-20 11:24:27', '', 10597, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/lb-img1.png', 0, 'attachment', 'image/png', 0),
(10611, 1, '2017-06-20 11:54:39', '2017-06-20 11:54:39', '', 'lb-featured', '', 'inherit', 'closed', 'closed', '', 'lb-featured', '', '', '2017-06-20 11:54:39', '2017-06-20 11:54:39', '', 10597, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/lb-featured.jpg', 0, 'attachment', 'image/jpeg', 0),
(10618, 1, '2017-07-03 06:19:01', '2017-07-03 06:19:01', '', 'decoding-jaipur', '', 'inherit', 'closed', 'closed', '', 'decoding-jaipur', '', '', '2017-08-11 07:48:25', '2017-08-11 07:48:25', '', 9548, 'http://cashlesscatalyst.org/wp-content/uploads/2017/03/decoding-jaipur.jpg', 0, 'attachment', 'image/jpeg', 0),
(10619, 1, '2017-07-03 06:19:06', '2017-07-03 06:19:06', '', 'Finposium', '', 'inherit', 'closed', 'closed', '', 'finposium', '', '', '2017-07-03 06:26:04', '2017-07-03 06:26:04', '', 9548, 'http://cashlesscatalyst.org/wp-content/uploads/2017/03/Finposium.jpg', 0, 'attachment', 'image/jpeg', 0),
(10620, 1, '2017-07-03 06:19:09', '2017-07-03 06:19:09', '', 'india-stack', '', 'inherit', 'closed', 'closed', '', 'india-stack-4', '', '', '2017-07-03 06:23:35', '2017-07-03 06:23:35', '', 9548, 'http://cashlesscatalyst.org/wp-content/uploads/2017/03/india-stack.jpg', 0, 'attachment', 'image/jpeg', 0),
(10621, 1, '2017-07-03 06:19:12', '2017-07-03 06:19:12', '', 'nity-ayog', '', 'inherit', 'closed', 'closed', '', 'nity-ayog', '', '', '2017-09-05 07:56:21', '2017-09-05 07:56:21', '', 9548, 'http://cashlesscatalyst.org/wp-content/uploads/2017/03/nity-ayog.jpg', 0, 'attachment', 'image/jpeg', 0),
(10622, 1, '2017-07-03 06:19:15', '2017-07-03 06:19:15', '', 'Video-1', '', 'inherit', 'closed', 'closed', '', 'video-1-2', '', '', '2017-07-14 13:46:40', '2017-07-14 13:46:40', '', 9548, 'http://cashlesscatalyst.org/wp-content/uploads/2017/03/Video-1.jpg', 0, 'attachment', 'image/jpeg', 0),
(10623, 1, '2017-07-03 06:20:54', '2017-07-03 06:20:54', '', 'Video-2', '', 'inherit', 'closed', 'closed', '', 'video-2-2', '', '', '2017-07-14 13:52:05', '2017-07-14 13:52:05', '', 9548, 'http://cashlesscatalyst.org/wp-content/uploads/2017/03/Video-2.jpg', 0, 'attachment', 'image/jpeg', 0),
(10625, 1, '2017-07-03 06:30:54', '2017-07-03 06:30:54', '', 'Research-Roundtabel', '', 'inherit', 'closed', 'closed', '', 'research-roundtabel', '', '', '2017-07-03 06:30:54', '2017-07-03 06:30:54', '', 10230, 'http://cashlesscatalyst.org/wp-content/uploads/2017/04/Research-Roundtabel.jpg', 0, 'attachment', 'image/jpeg', 0),
(10627, 1, '2017-07-03 06:50:30', '2017-07-03 06:50:30', '', 'mechant-camp', '', 'inherit', 'closed', 'closed', '', 'mechant-camp', '', '', '2017-07-03 06:50:30', '2017-07-03 06:50:30', '', 10569, 'http://cashlesscatalyst.org/wp-content/uploads/2017/05/mechant-camp.jpg', 0, 'attachment', 'image/jpeg', 0),
(10628, 1, '2016-11-19 07:01:53', '2016-11-19 07:01:53', '', 'Badal Malick (CEO, Catalyst) at Better Than Cash Alliance Event', '', 'publish', 'closed', 'open', '', 'badal-malick-ceo-catalyst-better-cash-alliance-event', '', '', '2018-11-15 09:58:43', '2018-11-15 09:58:43', '', 0, 'http://cashlesscatalyst.org/?p=10628', 40, 'post', '', 0),
(10630, 1, '2017-07-03 07:04:54', '2017-07-03 07:04:54', '', 'Badal Malick', '', 'inherit', 'closed', 'closed', '', 'badal-malick-4', '', '', '2017-07-03 07:04:54', '2017-07-03 07:04:54', '', 10628, 'http://cashlesscatalyst.org/wp-content/uploads/2016/11/Badal-Malick.jpg', 0, 'attachment', 'image/jpeg', 0),
(10632, 1, '2017-07-03 07:15:03', '2017-07-03 07:15:03', '', 'brainstorming-banner', '', 'inherit', 'closed', 'closed', '', 'brainstorming-banner', '', '', '2017-07-03 07:15:03', '2017-07-03 07:15:03', '', 10290, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/brainstorming-banner.jpg', 0, 'attachment', 'image/jpeg', 0),
(10633, 1, '2017-07-03 07:15:47', '2017-07-03 07:15:47', '', 'brainstorming-inner-banner1', '', 'inherit', 'closed', 'closed', '', 'brainstorming-inner-banner1', '', '', '2017-07-03 07:15:47', '2017-07-03 07:15:47', '', 10290, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/brainstorming-inner-banner1.jpg', 0, 'attachment', 'image/jpeg', 0),
(10634, 1, '2017-07-03 07:16:24', '2017-07-03 07:16:24', '', 'brainstorming-img1', '', 'inherit', 'closed', 'closed', '', 'brainstorming-img1', '', '', '2017-07-03 07:16:24', '2017-07-03 07:16:24', '', 10290, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/brainstorming-img1.png', 0, 'attachment', 'image/png', 0),
(10635, 1, '2017-07-03 07:17:07', '2017-07-03 07:17:07', '', 'brainstorming-img2', '', 'inherit', 'closed', 'closed', '', 'brainstorming-img2', '', '', '2017-07-03 07:17:07', '2017-07-03 07:17:07', '', 10290, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/brainstorming-img2.png', 0, 'attachment', 'image/png', 0),
(10636, 1, '2017-07-03 07:17:54', '2017-07-03 07:17:54', '', 'brainstorming-inner-banner2', '', 'inherit', 'closed', 'closed', '', 'brainstorming-inner-banner2', '', '', '2017-07-03 07:17:54', '2017-07-03 07:17:54', '', 10290, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/brainstorming-inner-banner2.jpg', 0, 'attachment', 'image/jpeg', 0),
(10638, 9, '2017-06-21 11:05:26', '2017-06-21 11:05:26', '[vc_row full_height=\"yes\" equal_height=\"yes\" content_placement=\"middle\" text_align=\"center\" type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"110\" padding_bottom=\"0\" bg_image=\"10598\"][vc_column][kleo_gap size=\"100px\"][vc_row_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][vc_column_inner width=\"2/3\"][vc_custom_heading text=\"ENABLING STARTUPS TO SOLVE THE CASHLESS CONUNDRUM\" font_container=\"tag:h2|font_size:48px|text_align:center|color:%23ffffff|line_height:54px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<p class=\"lh30\" style=\"text-align: center;\">By Vivekdeep Gupta</p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"130px\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"color\" bg_color=\"#ffffff\" padding_bottom=\"0\"][vc_column width=\"1/2\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"5/12\" offset=\"vc_col-lg-6 vc_col-md-4\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1488531444909{padding-left: 0px !important;}\"][vc_column_text letter_spacing=\"\"][addtoany][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1503915921536{padding-right: 0px !important;padding-left: 0px !important;}\"][kleo_button title=\"Print this page\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/08/Incubator-Blogpost.pdf\" target=\"_blank\" style=\"custom\" position=\"left\" size=\"lg\" special=\"no\" icon=\"print\" font_size=\"16px\" letter_spacing=\"\" el_class=\"grey-icon\" custom_text=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" padding_top=\"20\"][vc_column][vc_row_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">What creates a less-cash society? This is a question that consumes us at Catalyst. Our hypothesis, till the time we are proven wrong, is simple: A �less-cash� society is created when there is an ecosystem that enables, supports and incentivizes digital payments, thereby creating a virtuous loop. This ecosystem consists of consumers, merchants, their suppliers, regulators, government and, last but not the least, innovative business models that address hitherto unidentified market gaps. While our �digital payments lab� and �regulatory sandbox� address the former aspects, it is our �fintech for the last mile� incubator that will empower innovators addressing these hard to solve market gaps.</p>\r\n<p style=\"text-align: justify;\">Internet based business models in India have been unfortunately limited to the top 100-200 million consumers � those that are conversant with English and have access to smartphones. While this is a good start for a primarily cash driven economy and has encouraged a whole new set of entrepreneurs, this model has </p><div style=\"display:none\"><a href=\"http://trainer-info.com/bodybuilding-for-beginners/how-to-take-creatine-bodybuilding-for-beginners.html\" title=\"How to Take Creatine Bodybuilding for Beginners\">How to Take Creatine Bodybuilding for Beginners</a></div> reached its limits. Slowing growth rates for ecommerce companies[1] and the recent waves of shutdowns in the startup ecosystem are testimonies to the limits of the shallow market.<p></p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">Fintech, especially digital payments have also suffered from similar problems. While closed loop wallets, payment gateways and alternative lending products have opened the Indian consumer�s mind to fintech products, the fact remains that most of these solutions have failed to touch the life of the common man, as evident from epidemic of zero-balance wallets, limited card penetration and abundance of thin-file consumers. On the other hand, the digital payments landscape in India has undergone a sea change with the availability of a world beating payments infrastructure � UPI. Aadhar enabled services have lowered the cost of doing business dramatically by providing a world class infrastructure over which services can be built. These infrastructure enablements, coupled with policy initiatives like demonetization and the sustained focus on digital transaction have created a scenario where there exists the potential to create large scale businesses that transform the lives of the common man, especially those at the lower end of the pyramid.</p>\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"100\" padding_bottom=\"100\" bg_image=\"10641\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_column_text text_color=\"#ffffff\" font_size=\"40px\" letter_spacing=\"\" el_class=\"pwhite ptitle\" css=\".vc_custom_1497958726372{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"]\r\n<h2 style=\"text-align: center;\">The <strong class=\"pred\">CATALYST</strong> Incubator</h2>\r\n[/vc_column_text][vc_custom_heading text=\"What is it &amp; how it works?\" font_container=\"tag:h2|font_size:30px|text_align:center|color:%23ffffff|line_height:36px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1497958366569{margin-top: 0px !important;padding-top: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" padding_bottom=\"10\"][vc_column][vc_row_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">Businesses which address this segment face multiple challenges such as from a long return horizon for investors, evolving business models, changing regulatory landscape and high costs of educating and acquiring customers. We feel that this necessitates a different approach during the startup�s initial phase. Startups addressing such tough problems need a potent mix of the following:</p>\r\n\r\n[/vc_column_text][vc_single_image image=\"10604\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-visible\" css_animation=\"left-to-right\"][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">Based on the insights derived from the groundbreaking work being done by Catalyst in its Digital Payments Labs, our incubator is designed to solve these hard problems in a systematic manner. To start with, we provide the initial patient capital that is required by such startups. Our US$ 50K grants, to be awarded to 15 startups over the course of the year, will give the startups the initial runway required to test and develop problem-specific solutions without worrying about equity dilution, hyper-growth or vanity metrics. While our commitment is to support businesses that are sustainable, starting them out with a grant ensures that they spend the initial most critical phase of their startup developing solutions that address real needs.</p>\r\n<p style=\"text-align: justify;\">Grants based support has always been a key component in the success of the startups that solve hard systemic problems. In India, Babajob � a portal for blue collar jobs � is probably a success story. Supported by a $1Million grant from USAID�s Development Innovation Ventures, Babajob went on to be sustainable, raising a $10Million Series A round and has emerged as one the largest blue collar job portal in the country. Similar examples abound in fintech as well, well established companies ranging from Kiva to innovative startups like Tala rely on grant funding achieve their objectives.</p>\r\n<p style=\"text-align: justify;\">Coupled with grants, the </p><div style=\"display:none\"><a href=\"http://info-pull.xyz/health-care-blog/lyme-disease-borreliosis-symptoms-and-treatment.html\" title=\"Lyme disease (borreliosis) symptoms and treatment photo Health blog\">Lyme disease (borreliosis) symptoms and treatment photo Health blog</a></div> incubator also offers the startups mentorship from leading industry figures, venture capitalists and international development consultants. The goal is to provide startups with the necessary industry connections and to help them learn from the experiences of the seasoned entrepreneurs so that they can stand on their own once the incubation period is over.<p></p>\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"100\" padding_bottom=\"100\" bg_image=\"10600\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_custom_heading text=\"Moving forward with <strong>Digital Payment Labs </strong>\" font_container=\"tag:h2|font_size:40px|text_align:center|color:%23ffffff|line_height:46px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" padding_bottom=\"10\"][vc_column][vc_row_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">Last but not the least, startups that become a part our incubator will be integrated into the �Digital Payments Labs� that we are running in Jaipur. To any startup reading this post, this is the �killer app� that distinguishes us from any other incubator in the market. Digital Payments Labs is Catalyst�s tried and tested way of rapid evidence generation and testing. A typical Digital Payments Lab is a limited geographical area with certain demographic and socio-economic characteristics (ex: 50-50 mix of merchants and consumers, preponderance of salaried employees, abundance of small merchants), where Catalyst runs experiments and research projects to test the adoption of digital payment solutions. The experiments are designed by the Catalyst team, conducted on the ground by our in-house team of researchers and analyzed by our data scientists. Our incubatee startups will have access to the same labs infrastructure.</p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">This will not only allow them test their hypotheses and products on real life customers that meet their actual user profile but also ensure � due to the involvement of our research team � that the surveys/ experiments are designed and administered in a scientific manner. Startups also get access to Catalyst and its partner�s wide body of research and learning so that many of them do not have to reinvent the wheel. All we ask for in return is that startups spend some time in Jaipur interacting with these users and monitoring the experiments that we will be doing on their behalf in the digital payments labs. Many startups addressing the mass market segment, especially in a fast changing economy like India, complain that it is untenable to follow the startup tenets of being lean, testing rigorously and failing fast. We hope that this unique aspect of our incubator will help startups to apply these principles to solving the hard problems facing the digital payments landscape in India.</p>\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"100\" padding_bottom=\"100\" bg_image=\"10601\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner width=\"1/6\"][/vc_column_inner][vc_column_inner width=\"2/3\"][vc_custom_heading text=\"The building blocks are in place for our incubator and we are looking for startups! \" font_container=\"tag:h2|font_size:24px|text_align:center|color:%23cc132f|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1497959334942{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"24px\" letter_spacing=\"\" el_class=\"pwhite ptitle-24\" css=\".vc_custom_1502367392341{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"]\r\n<h2 style=\"text-align: center;\">If you are a startup which is solving these hard problem or if you know of any startups that fit the bill, inform them about us, ask them to head over to this <a href=\"https://cashlesscatalyst.org/incubator/\">page</a> and apply!</h2>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"10px\" padding_bottom=\"10px\"][vc_column width=\"1/2\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"5/12\" offset=\"vc_col-lg-6 vc_col-md-4\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1488531444909{padding-left: 0px !important;}\"][vc_column_text letter_spacing=\"\"][addtoany][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1503915912745{padding-right: 0px !important;padding-left: 0px !important;}\"][kleo_button title=\"Print this page\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/08/Incubator-Blogpost.pdf\" target=\"_blank\" style=\"custom\" position=\"left\" size=\"lg\" special=\"no\" icon=\"print\" font_size=\"16px\" letter_spacing=\"\" el_class=\"grey-icon\" custom_text=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row content_placement=\"middle\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"5\" padding_bottom=\"5\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"][starbox id=5][/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"footer_area\" disable_element=\"yes\" front_status=\"draft\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" column_gap=\"no\" padding_top=\"70px\" padding_bottom=\"50px\" margin_top=\"0px\" bg_image=\"9937\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1484826151396{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">CATALYST is an initiative seeded by an alliance between the Government of India &amp; USAID, to expand digital payments and financial inclusion in India, especially for small merchants and low-income consumers.</p>\r\n\r\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\r\n\r\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'Enabling startups to solve the cashless conundrum', 'It is exciting to take plans from the drawing board to the field. Earlier this year, we rolled out one such project aimed at increasing digital payments adoption among small businesses in Barkat Nagar market, Jaipur.', 'publish', 'open', 'open', '', 'enabling-startups-solve-cashless-conundrum', '', '', '2017-08-28 10:25:23', '2017-08-28 10:25:23', '', 0, 'http://cashlesscatalyst.org/?p=10638', 31, 'post', '', 0),
(10639, 1, '2017-07-03 08:18:40', '2017-07-03 08:18:40', '', 'ib-banner', '', 'inherit', 'closed', 'closed', '', 'ib-banner-2', '', '', '2017-07-03 08:18:40', '2017-07-03 08:18:40', '', 10638, 'http://cashlesscatalyst.org/wp-content/uploads/2017/05/ib-banner.jpg', 0, 'attachment', 'image/jpeg', 0),
(10640, 1, '2017-07-03 08:20:02', '2017-07-03 08:20:02', '', 'lb-featured', '', 'inherit', 'closed', 'closed', '', 'lb-featured-2', '', '', '2017-07-03 08:20:02', '2017-07-03 08:20:02', '', 10638, 'http://cashlesscatalyst.org/wp-content/uploads/2017/05/lb-featured.jpg', 0, 'attachment', 'image/jpeg', 0),
(10641, 1, '2017-07-03 08:20:57', '2017-07-03 08:20:57', '', 'lb-inner-banner1', '', 'inherit', 'closed', 'closed', '', 'lb-inner-banner1-2', '', '', '2017-07-03 08:20:57', '2017-07-03 08:20:57', '', 10638, 'http://cashlesscatalyst.org/wp-content/uploads/2017/05/lb-inner-banner1.jpg', 0, 'attachment', 'image/jpeg', 0),
(10654, 1, '2017-07-05 05:16:30', '2017-07-05 05:16:30', '', 'Facebook', '', 'inherit', 'closed', 'closed', '', 'facebook', '', '', '2017-07-05 05:16:30', '2017-07-05 05:16:30', '', 8051, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/Facebook.png', 0, 'attachment', 'image/png', 0),
(10655, 1, '2017-07-05 05:21:13', '2017-07-05 05:21:13', '', 'IAMAI', '', 'inherit', 'closed', 'closed', '', 'iamai-2', '', '', '2017-07-05 05:21:13', '2017-07-05 05:21:13', '', 8051, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/IAMAI-1.png', 0, 'attachment', 'image/png', 0),
(10656, 1, '2017-07-05 05:23:35', '2017-07-05 05:23:35', '', 'Jaipur Smart Cities', '', 'inherit', 'closed', 'closed', '', 'jaipur-smart-cities', '', '', '2017-07-05 05:23:35', '2017-07-05 05:23:35', '', 8051, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/Jaipur-Smart-Cities.png', 0, 'attachment', 'image/png', 0),
(10657, 1, '2017-07-05 05:27:06', '2017-07-05 05:27:06', '', 'Youth Ki Awaaz', '', 'inherit', 'closed', 'closed', '', 'youth-ki-awaaz', '', '', '2017-07-05 05:27:06', '2017-07-05 05:27:06', '', 8051, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/Youth-Ki-Awaaz.png', 0, 'attachment', 'image/png', 0),
(10660, 1, '2017-07-05 05:34:13', '2017-07-05 05:34:13', '', 'IDEO', '', 'inherit', 'closed', 'closed', '', 'ideo', '', '', '2017-07-05 05:34:13', '2017-07-05 05:34:13', '', 8051, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/IDEO.png', 0, 'attachment', 'image/png', 0),
(10661, 1, '2017-07-05 05:45:57', '2017-07-05 05:45:57', '', 'Brown', '', 'inherit', 'closed', 'closed', '', 'brown', '', '', '2017-07-05 05:45:57', '2017-07-05 05:45:57', '', 8051, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/Brown.png', 0, 'attachment', 'image/png', 0),
(10662, 1, '2017-07-05 05:48:55', '2017-07-05 05:48:55', '', 'Harvard', '', 'inherit', 'closed', 'closed', '', 'harvard', '', '', '2017-07-05 05:48:55', '2017-07-05 05:48:55', '', 8051, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/Harvard.png', 0, 'attachment', 'image/png', 0),
(10663, 1, '2017-07-05 05:50:39', '2017-07-05 05:50:39', '', 'SAIF Partners', '', 'inherit', 'closed', 'closed', '', 'saif-partners', '', '', '2017-07-05 05:50:39', '2017-07-05 05:50:39', '', 8051, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/SAIF-Partners.png', 0, 'attachment', 'image/png', 0),
(10664, 1, '2017-07-05 05:51:14', '2017-07-05 05:51:14', '', 'UC Berkeley', '', 'inherit', 'closed', 'closed', '', 'uc-berkeley', '', '', '2017-07-05 05:51:14', '2017-07-05 05:51:14', '', 8051, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/UC-Berkeley.png', 0, 'attachment', 'image/png', 0);
INSERT INTO `in_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES
(10667, 1, '2017-07-05 06:00:25', '2017-07-05 06:00:25', '', 'Microsoft', '', 'inherit', 'closed', 'closed', '', 'microsoft', '', '', '2017-07-05 06:00:25', '2017-07-05 06:00:25', '', 8051, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/Microsoft.png', 0, 'attachment', 'image/png', 0),
(10668, 1, '2017-07-05 06:02:34', '2017-07-05 06:02:34', '', 'Aditya Birla Payment Bank', '', 'inherit', 'closed', 'closed', '', 'aditya-birla-payment-bank', '', '', '2017-07-05 06:02:34', '2017-07-05 06:02:34', '', 8051, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/Aditya-Birla-Payment-Bank.png', 0, 'attachment', 'image/png', 0),
(10669, 1, '2017-07-05 06:09:53', '2017-07-05 06:09:53', '', 'Crisil Foundation', '', 'inherit', 'closed', 'closed', '', 'crisil-foundation-2', '', '', '2017-07-05 06:09:53', '2017-07-05 06:09:53', '', 8051, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/Crisil-Foundation.png', 0, 'attachment', 'image/png', 0),
(10671, 1, '2017-07-05 08:45:40', '2017-07-05 08:45:40', '', 'MEITY', '', 'inherit', 'closed', 'closed', '', 'meity', '', '', '2017-07-05 08:45:40', '2017-07-05 08:45:40', '', 8051, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/MEITY.png', 0, 'attachment', 'image/png', 0),
(10673, 1, '2017-07-05 08:59:40', '2017-07-05 08:59:40', 'ABCDEF\r\nGHIJKL\r\nMNOPQR\r\nSTUVWX\r\n\r\n', 'Logo Grid', '', 'publish', 'closed', 'closed', '', 'logo-grid', '', '', '2017-07-05 09:13:14', '2017-07-05 09:13:14', '', 0, 'http://cashlesscatalyst.org/?post_type=grid_template&#038;p=10673', 0, 'grid_template', '', 0),
(10674, 1, '2017-07-05 08:55:18', '2017-07-05 08:55:18', '', 'Venture Labs', '', 'inherit', 'closed', 'closed', '', 'venture-labs', '', '', '2017-07-05 08:55:18', '2017-07-05 08:55:18', '', 8051, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/Venture-Labs.png', 0, 'attachment', 'image/png', 0),
(10682, 1, '2017-07-12 05:48:20', '2017-07-12 05:48:20', '', 'upi-app', '', 'inherit', 'closed', 'closed', '', 'upi-app', '', '', '2017-07-12 05:48:20', '2017-07-12 05:48:20', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/upi-app.pdf', 0, 'attachment', 'application/pdf', 0),
(10683, 1, '2017-07-17 10:18:12', '2017-07-17 10:18:12', '', 'infographics-banner', '', 'inherit', 'closed', 'closed', '', 'infographics-banner', '', '', '2017-07-17 10:18:12', '2017-07-17 10:18:12', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/infographics-banner.jpg', 0, 'attachment', 'image/jpeg', 0),
(10684, 1, '2017-07-17 10:18:29', '2017-07-17 10:18:29', '', 'iocbp-icon', '', 'inherit', 'closed', 'closed', '', 'iocbp-icon', '', '', '2017-07-17 10:18:29', '2017-07-17 10:18:29', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/iocbp-icon.png', 0, 'attachment', 'image/png', 0),
(10685, 1, '2017-07-17 10:18:32', '2017-07-17 10:18:32', '', 'iombp-icon', '', 'inherit', 'closed', 'closed', '', 'iombp-icon', '', '', '2017-07-17 10:18:32', '2017-07-17 10:18:32', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/iombp-icon.png', 0, 'attachment', 'image/png', 0),
(10686, 1, '2017-07-17 10:18:35', '2017-07-17 10:18:35', '', 'ioups-icon', '', 'inherit', 'closed', 'closed', '', 'ioups-icon', '', '', '2017-07-17 10:18:35', '2017-07-17 10:18:35', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/ioups-icon.png', 0, 'attachment', 'image/png', 0),
(10687, 1, '2017-07-17 10:18:38', '2017-07-17 10:18:38', '', 'badp-icon', '', 'inherit', 'closed', 'closed', '', 'badp-icon', '', '', '2017-07-17 10:18:38', '2017-07-17 10:18:38', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/badp-icon.png', 0, 'attachment', 'image/png', 0),
(10691, 1, '2017-07-17 10:44:05', '2017-07-17 10:44:05', '', 'Download', '', 'publish', 'closed', 'closed', '', 'download', '', '', '2017-07-17 11:03:50', '2017-07-17 11:03:50', '', 0, 'http://cashlesscatalyst.org/?p=10691', 1, 'nav_menu_item', '', 0),
(10692, 1, '2017-07-17 10:44:06', '2017-07-17 10:44:06', '', 'English', '', 'publish', 'closed', 'closed', '', 'english', '', '', '2017-07-17 11:03:50', '2017-07-17 11:03:50', '', 0, 'http://cashlesscatalyst.org/?p=10692', 2, 'nav_menu_item', '', 0),
(10693, 1, '2017-07-17 10:44:06', '2017-07-17 10:44:06', '', 'Hindi', '', 'publish', 'closed', 'closed', '', 'hindi', '', '', '2017-07-17 11:03:50', '2017-07-17 11:03:50', '', 0, 'http://cashlesscatalyst.org/?p=10693', 3, 'nav_menu_item', '', 0),
(10694, 1, '2017-07-17 10:44:06', '2017-07-17 10:44:06', '', 'Bengali', '', 'publish', 'closed', 'closed', '', 'bengali', '', '', '2017-07-17 11:03:50', '2017-07-17 11:03:50', '', 0, 'http://cashlesscatalyst.org/?p=10694', 4, 'nav_menu_item', '', 0),
(10695, 1, '2017-07-17 10:44:06', '2017-07-17 10:44:06', '', 'Gujarati', '', 'publish', 'closed', 'closed', '', 'gujarati', '', '', '2017-07-17 11:03:50', '2017-07-17 11:03:50', '', 0, 'http://cashlesscatalyst.org/?p=10695', 5, 'nav_menu_item', '', 0),
(10696, 1, '2017-07-17 10:44:06', '2017-07-17 10:44:06', '', 'Tamil', '', 'publish', 'closed', 'closed', '', 'tamil', '', '', '2017-07-17 11:03:50', '2017-07-17 11:03:50', '', 0, 'http://cashlesscatalyst.org/?p=10696', 6, 'nav_menu_item', '', 0),
(10697, 1, '2017-07-17 10:44:06', '2017-07-17 10:44:06', '', 'Telugu', '', 'publish', 'closed', 'closed', '', 'telugu', '', '', '2017-07-17 11:03:50', '2017-07-17 11:03:50', '', 0, 'http://cashlesscatalyst.org/?p=10697', 7, 'nav_menu_item', '', 0),
(10698, 1, '2017-07-17 10:51:53', '2017-07-17 10:51:53', '', 'information-on-universal-payment-solutions', '', 'inherit', 'closed', 'closed', '', 'information-on-universal-payment-solutions', '', '', '2017-07-17 10:51:53', '2017-07-17 10:51:53', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/information-on-universal-payment-solutions.pdf', 0, 'attachment', 'application/pdf', 0),
(10699, 1, '2017-07-17 10:52:08', '2017-07-17 10:52:08', '', 'merchant-solution-pos', '', 'inherit', 'closed', 'closed', '', 'merchant-solution-pos', '', '', '2017-07-17 10:52:08', '2017-07-17 10:52:08', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/merchant-solution-pos.pdf', 0, 'attachment', 'application/pdf', 0),
(10700, 1, '2017-07-17 10:52:17', '2017-07-17 10:52:17', '', 'benefits-of- accepting-digital-payments', '', 'inherit', 'closed', 'closed', '', 'benefits-of-accepting-digital-payments', '', '', '2017-07-17 10:52:17', '2017-07-17 10:52:17', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/benefits-of-accepting-digital-payments.pdf', 0, 'attachment', 'application/pdf', 0),
(10701, 1, '2017-07-17 10:52:31', '2017-07-17 10:52:31', '', 'information-on-card-based-payments', '', 'inherit', 'closed', 'closed', '', 'information-on-card-based-payments', '', '', '2017-07-17 10:52:31', '2017-07-17 10:52:31', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/information-on-card-based-payments.pdf', 0, 'attachment', 'application/pdf', 0),
(10702, 1, '2017-07-17 10:52:42', '2017-07-17 10:52:42', '', 'information-on-mobile-based-payments', '', 'inherit', 'closed', 'closed', '', 'information-on-mobile-based-payments', '', '', '2017-07-17 10:52:42', '2017-07-17 10:52:42', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/information-on-mobile-based-payments.pdf', 0, 'attachment', 'application/pdf', 0),
(10703, 1, '2017-07-17 10:54:05', '2017-07-17 10:54:05', '', 'information-on-card-based-payments-hindi', '', 'inherit', 'closed', 'closed', '', 'information-on-card-based-payments-hindi', '', '', '2017-07-17 10:54:05', '2017-07-17 10:54:05', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/information-on-card-based-payments-hindi.pdf', 0, 'attachment', 'application/pdf', 0),
(10704, 1, '2017-07-17 10:54:14', '2017-07-17 10:54:14', '', 'benefits-of- accepting-digital-payments-hindi', '', 'inherit', 'closed', 'closed', '', 'benefits-of-accepting-digital-payments-hindi', '', '', '2017-07-17 10:54:14', '2017-07-17 10:54:14', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/benefits-of-accepting-digital-payments-hindi.pdf', 0, 'attachment', 'application/pdf', 0),
(10705, 1, '2017-07-17 10:54:40', '2017-07-17 10:54:40', '', 'information-on-universal-payment-solutions-hindi', '', 'inherit', 'closed', 'closed', '', 'information-on-universal-payment-solutions-hindi', '', '', '2017-07-17 10:54:40', '2017-07-17 10:54:40', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/information-on-universal-payment-solutions-hindi.pdf', 0, 'attachment', 'application/pdf', 0),
(10706, 1, '2017-07-17 10:55:05', '2017-07-17 10:55:05', '', 'information-on-mobile-based-payments-hindi', '', 'inherit', 'closed', 'closed', '', 'information-on-mobile-based-payments-hindi', '', '', '2017-07-17 10:55:05', '2017-07-17 10:55:05', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/information-on-mobile-based-payments-hindi.pdf', 0, 'attachment', 'application/pdf', 0),
(10707, 1, '2017-07-17 10:55:33', '2017-07-17 10:55:33', '', 'benefits-of- accepting-digital-payments-bengali', '', 'inherit', 'closed', 'closed', '', 'benefits-of-accepting-digital-payments-bengali', '', '', '2017-07-17 10:55:33', '2017-07-17 10:55:33', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/benefits-of-accepting-digital-payments-bengali.pdf', 0, 'attachment', 'application/pdf', 0),
(10708, 1, '2017-07-17 10:55:57', '2017-07-17 10:55:57', '', 'information-on-card-based-payments-bengali', '', 'inherit', 'closed', 'closed', '', 'information-on-card-based-payments-bengali', '', '', '2017-07-17 10:55:57', '2017-07-17 10:55:57', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/information-on-card-based-payments-bengali.pdf', 0, 'attachment', 'application/pdf', 0),
(10709, 1, '2017-07-17 10:56:34', '2017-07-17 10:56:34', '', 'information-on-mobile-based-payments-bengali', '', 'inherit', 'closed', 'closed', '', 'information-on-mobile-based-payments-bengali', '', '', '2017-07-17 10:56:34', '2017-07-17 10:56:34', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/information-on-mobile-based-payments-bengali.pdf', 0, 'attachment', 'application/pdf', 0),
(10710, 1, '2017-07-17 10:56:45', '2017-07-17 10:56:45', '', 'benefits-of- accepting-digital-payments-bengali', '', 'inherit', 'closed', 'closed', '', 'benefits-of-accepting-digital-payments-bengali-2', '', '', '2017-07-17 10:56:45', '2017-07-17 10:56:45', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/benefits-of-accepting-digital-payments-bengali-1.pdf', 0, 'attachment', 'application/pdf', 0),
(10711, 1, '2017-07-17 10:58:00', '2017-07-17 10:58:00', '', 'information-on-mobile-based-payments- gujarati', '', 'inherit', 'closed', 'closed', '', 'information-on-mobile-based-payments-gujarati', '', '', '2017-07-17 10:58:00', '2017-07-17 10:58:00', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/information-on-mobile-based-payments-gujarati.pdf', 0, 'attachment', 'application/pdf', 0),
(10712, 1, '2017-07-17 10:58:12', '2017-07-17 10:58:12', '', 'benefits-of- accepting-digital-payments-gujarati', '', 'inherit', 'closed', 'closed', '', 'benefits-of-accepting-digital-payments-gujarati', '', '', '2017-07-17 10:58:12', '2017-07-17 10:58:12', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/benefits-of-accepting-digital-payments-gujarati.pdf', 0, 'attachment', 'application/pdf', 0),
(10713, 1, '2017-07-17 10:58:19', '2017-07-17 10:58:19', '', 'information-on-card-based-payments-gujarati', '', 'inherit', 'closed', 'closed', '', 'information-on-card-based-payments-gujarati', '', '', '2017-07-17 10:58:19', '2017-07-17 10:58:19', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/information-on-card-based-payments-gujarati.pdf', 0, 'attachment', 'application/pdf', 0),
(10714, 1, '2017-07-17 10:58:54', '2017-07-17 10:58:54', '', 'benefits-of- accepting-digital-payments-tamil', '', 'inherit', 'closed', 'closed', '', 'benefits-of-accepting-digital-payments-tamil', '', '', '2017-07-17 10:58:54', '2017-07-17 10:58:54', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/benefits-of-accepting-digital-payments-tamil.pdf', 0, 'attachment', 'application/pdf', 0),
(10715, 1, '2017-07-17 10:59:03', '2017-07-17 10:59:03', '', 'information-on-card-based-payments-tamil', '', 'inherit', 'closed', 'closed', '', 'information-on-card-based-payments-tamil', '', '', '2017-07-17 10:59:03', '2017-07-17 10:59:03', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/information-on-card-based-payments-tamil.pdf', 0, 'attachment', 'application/pdf', 0),
(10716, 1, '2017-07-17 10:59:15', '2017-07-17 10:59:15', '', 'information-on-mobile-based-payments- tamil', '', 'inherit', 'closed', 'closed', '', 'information-on-mobile-based-payments-tamil', '', '', '2017-07-17 10:59:15', '2017-07-17 10:59:15', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/information-on-mobile-based-payments-tamil.pdf', 0, 'attachment', 'application/pdf', 0),
(10717, 1, '2017-07-17 10:59:43', '2017-07-17 10:59:43', '', 'benefits-of- accepting-digital-payments-telugu', '', 'inherit', 'closed', 'closed', '', 'benefits-of-accepting-digital-payments-telugu', '', '', '2017-07-17 10:59:43', '2017-07-17 10:59:43', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/benefits-of-accepting-digital-payments-telugu.pdf', 0, 'attachment', 'application/pdf', 0),
(10718, 1, '2017-07-17 10:59:51', '2017-07-17 10:59:51', '', 'information-on-card-based-payments- telugu', '', 'inherit', 'closed', 'closed', '', 'information-on-card-based-payments-telugu', '', '', '2017-07-17 10:59:51', '2017-07-17 10:59:51', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/information-on-card-based-payments-telugu.pdf', 0, 'attachment', 'application/pdf', 0),
(10719, 1, '2017-07-17 11:00:11', '2017-07-17 11:00:11', '', 'information-on-mobile-based-payments- telugu', '', 'inherit', 'closed', 'closed', '', 'information-on-mobile-based-payments-telugu', '', '', '2017-07-17 11:00:11', '2017-07-17 11:00:11', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/information-on-mobile-based-payments-telugu.pdf', 0, 'attachment', 'application/pdf', 0),
(10720, 1, '2017-07-17 11:10:15', '2017-07-17 11:10:15', '', 'Download', '', 'publish', 'closed', 'closed', '', 'download-2', '', '', '2017-07-17 11:14:34', '2017-07-17 11:14:34', '', 0, 'http://cashlesscatalyst.org/?p=10720', 1, 'nav_menu_item', '', 0),
(10721, 1, '2017-07-17 11:10:15', '2017-07-17 11:10:15', '', 'English', '', 'publish', 'closed', 'closed', '', 'english-2', '', '', '2017-07-17 11:14:35', '2017-07-17 11:14:35', '', 0, 'http://cashlesscatalyst.org/?p=10721', 2, 'nav_menu_item', '', 0),
(10722, 1, '2017-07-17 11:10:15', '2017-07-17 11:10:15', '', 'Hindi', '', 'publish', 'closed', 'closed', '', 'hindi-2', '', '', '2017-07-17 11:14:35', '2017-07-17 11:14:35', '', 0, 'http://cashlesscatalyst.org/?p=10722', 3, 'nav_menu_item', '', 0),
(10723, 1, '2017-07-17 11:10:15', '2017-07-17 11:10:15', '', 'Bengali', '', 'publish', 'closed', 'closed', '', 'bengali-2', '', '', '2017-07-17 11:14:35', '2017-07-17 11:14:35', '', 0, 'http://cashlesscatalyst.org/?p=10723', 4, 'nav_menu_item', '', 0),
(10724, 1, '2017-07-17 11:10:15', '2017-07-17 11:10:15', '', 'Gujarati', '', 'publish', 'closed', 'closed', '', 'gujarati-2', '', '', '2017-07-17 11:14:35', '2017-07-17 11:14:35', '', 0, 'http://cashlesscatalyst.org/?p=10724', 5, 'nav_menu_item', '', 0),
(10725, 1, '2017-07-17 11:10:15', '2017-07-17 11:10:15', '', 'Tamil', '', 'publish', 'closed', 'closed', '', 'tamil-2', '', '', '2017-07-17 11:14:35', '2017-07-17 11:14:35', '', 0, 'http://cashlesscatalyst.org/?p=10725', 6, 'nav_menu_item', '', 0),
(10726, 1, '2017-07-17 11:10:15', '2017-07-17 11:10:15', '', 'Telugu', '', 'publish', 'closed', 'closed', '', 'telugu-2', '', '', '2017-07-17 11:14:35', '2017-07-17 11:14:35', '', 0, 'http://cashlesscatalyst.org/?p=10726', 7, 'nav_menu_item', '', 0),
(10727, 1, '2017-07-17 11:20:53', '2017-07-17 11:20:53', '', 'English', '', 'publish', 'closed', 'closed', '', 'english-3', '', '', '2017-07-17 11:20:53', '2017-07-17 11:20:53', '', 0, 'http://cashlesscatalyst.org/?p=10727', 2, 'nav_menu_item', '', 0),
(10728, 1, '2017-07-17 11:20:53', '2017-07-17 11:20:53', '', 'Download', '', 'publish', 'closed', 'closed', '', 'download-3', '', '', '2017-07-17 11:20:53', '2017-07-17 11:20:53', '', 0, 'http://cashlesscatalyst.org/?p=10728', 1, 'nav_menu_item', '', 0),
(10729, 1, '2017-07-17 11:20:53', '2017-07-17 11:20:53', '', 'Hindi', '', 'publish', 'closed', 'closed', '', 'hindi-3', '', '', '2017-07-17 11:20:53', '2017-07-17 11:20:53', '', 0, 'http://cashlesscatalyst.org/?p=10729', 3, 'nav_menu_item', '', 0),
(10730, 1, '2017-07-17 11:20:53', '2017-07-17 11:20:53', '', 'Bengali', '', 'publish', 'closed', 'closed', '', 'bengali-3', '', '', '2017-07-17 11:20:53', '2017-07-17 11:20:53', '', 0, 'http://cashlesscatalyst.org/?p=10730', 4, 'nav_menu_item', '', 0),
(10731, 1, '2017-07-17 11:20:53', '2017-07-17 11:20:53', '', 'Gujarati', '', 'publish', 'closed', 'closed', '', 'gujarati-3', '', '', '2017-07-17 11:20:53', '2017-07-17 11:20:53', '', 0, 'http://cashlesscatalyst.org/?p=10731', 5, 'nav_menu_item', '', 0),
(10732, 1, '2017-07-17 11:20:53', '2017-07-17 11:20:53', '', 'Tamil', '', 'publish', 'closed', 'closed', '', 'tamil-3', '', '', '2017-07-17 11:20:53', '2017-07-17 11:20:53', '', 0, 'http://cashlesscatalyst.org/?p=10732', 6, 'nav_menu_item', '', 0),
(10733, 1, '2017-07-17 11:20:53', '2017-07-17 11:20:53', '', 'Telugu', '', 'publish', 'closed', 'closed', '', 'telugu-3', '', '', '2017-07-17 11:20:53', '2017-07-17 11:20:53', '', 0, 'http://cashlesscatalyst.org/?p=10733', 7, 'nav_menu_item', '', 0),
(10734, 1, '2017-07-17 11:22:54', '2017-07-17 11:22:54', '', 'Download', '', 'publish', 'closed', 'closed', '', 'download-4', '', '', '2017-07-17 11:22:54', '2017-07-17 11:22:54', '', 0, 'http://cashlesscatalyst.org/?p=10734', 1, 'nav_menu_item', '', 0),
(10735, 1, '2017-07-17 11:22:54', '2017-07-17 11:22:54', '', 'English', '', 'publish', 'closed', 'closed', '', 'english-4', '', '', '2017-07-17 11:22:54', '2017-07-17 11:22:54', '', 0, 'http://cashlesscatalyst.org/?p=10735', 2, 'nav_menu_item', '', 0),
(10736, 1, '2017-07-17 11:22:54', '2017-07-17 11:22:54', '', 'Hindi', '', 'publish', 'closed', 'closed', '', 'hindi-4', '', '', '2017-07-17 11:22:54', '2017-07-17 11:22:54', '', 0, 'http://cashlesscatalyst.org/?p=10736', 3, 'nav_menu_item', '', 0),
(10737, 1, '2016-12-30 06:22:42', '2016-12-30 06:22:42', '[vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"\" padding_bottom=\"\" min_height=\"467px\" bg_image=\"10758\"][vc_column][kleo_gap size=\"215px\"][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_custom_heading text=\"AWARENESS TOOLS\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23ffffff|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"image\" padding_top=\"20\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner][vc_wp_custommenu nav_menu=\"56\"][kleo_gap size=\"40px\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" content_placement=\"middle\" css=\".vc_custom_1500032365551{margin-top: 10px !important;}\"][vc_column_inner width=\"1/12\"][vc_single_image image=\"10740\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"left-to-right\" el_class=\"pinfoIcon\"][/vc_column_inner][vc_column_inner el_class=\"publications-innercontainer\" width=\"3/4\" css=\".vc_custom_1499769296473{margin-bottom: 10px !important;padding-right: 5px !important;padding-left: 5px !important;}\"][vc_custom_heading text=\"Benefits of Accepting Digital Payments\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23373a3a|line_height:30px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" el_class=\"aligncenter\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"10741\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" animation=\"animate-when-almost-visible\" el_class=\"pinfoIcon\" link=\"https://www.youtube.com/watch?v=6kCRbE848gU?rel=0\"][/vc_column_inner][/vc_row_inner][vc_separator color=\"custom\" accent_color=\"#a5a5a5\" css=\".vc_custom_1499769394169{margin-top: 10px !important;}\"][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"7886\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549454851626{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">[footer_copy]</p>\r\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\r\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'Videos', '', 'publish', 'closed', 'closed', '', 'videos', '', '', '2019-02-06 12:07:35', '2019-02-06 12:07:35', '', 0, 'http://cashlesscatalyst.org/?page_id=10737', 0, 'page', '', 0),
(40470, 23, '2019-02-06 12:07:35', '2019-02-06 12:07:35', '[vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"\" padding_bottom=\"\" min_height=\"467px\" bg_image=\"10758\"][vc_column][kleo_gap size=\"215px\"][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_custom_heading text=\"AWARENESS TOOLS\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23ffffff|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"image\" padding_top=\"20\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner][vc_wp_custommenu nav_menu=\"56\"][kleo_gap size=\"40px\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" content_placement=\"middle\" css=\".vc_custom_1500032365551{margin-top: 10px !important;}\"][vc_column_inner width=\"1/12\"][vc_single_image image=\"10740\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"left-to-right\" el_class=\"pinfoIcon\"][/vc_column_inner][vc_column_inner el_class=\"publications-innercontainer\" width=\"3/4\" css=\".vc_custom_1499769296473{margin-bottom: 10px !important;padding-right: 5px !important;padding-left: 5px !important;}\"][vc_custom_heading text=\"Benefits of Accepting Digital Payments\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23373a3a|line_height:30px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" el_class=\"aligncenter\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"10741\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" animation=\"animate-when-almost-visible\" el_class=\"pinfoIcon\" link=\"https://www.youtube.com/watch?v=6kCRbE848gU?rel=0\"][/vc_column_inner][/vc_row_inner][vc_separator color=\"custom\" accent_color=\"#a5a5a5\" css=\".vc_custom_1499769394169{margin-top: 10px !important;}\"][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"7886\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549454851626{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">[footer_copy]</p>\r\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\r\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'Videos', '', 'inherit', 'closed', 'closed', '', '10737-revision-v1', '', '', '2019-02-06 12:07:35', '2019-02-06 12:07:35', '', 10737, 'https://cashlesscatalyst.org/media/10737-revision-v1/', 0, 'revision', '', 0),
(10740, 1, '2017-07-17 11:44:21', '2017-07-17 11:44:21', '', 'Video', '', 'inherit', 'closed', 'closed', '', 'video', '', '', '2017-07-17 11:44:21', '2017-07-17 11:44:21', '', 10737, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/Video.png', 0, 'attachment', 'image/png', 0),
(10741, 1, '2017-07-17 11:44:27', '2017-07-17 11:44:27', '', 'WV', '', 'inherit', 'closed', 'closed', '', 'wv', '', '', '2017-07-17 11:44:27', '2017-07-17 11:44:27', '', 10737, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/WV.png', 0, 'attachment', 'image/png', 0),
(10744, 1, '2017-07-17 11:56:46', '2017-07-17 11:56:46', ' ', '', '', 'publish', 'closed', 'closed', '', '10744', '', '', '2017-07-19 06:02:58', '2017-07-19 06:02:58', '', 0, 'http://cashlesscatalyst.org/?p=10744', 2, 'nav_menu_item', '', 0),
(10745, 1, '2017-07-17 12:21:46', '2017-07-17 12:21:46', '', 'ideo-rt-img1', '', 'inherit', 'closed', 'closed', '', 'ideo-rt-img1', '', '', '2017-07-17 12:21:46', '2017-07-17 12:21:46', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/ideo-rt-img1.jpg', 0, 'attachment', 'image/jpeg', 0),
(10746, 1, '2017-07-17 12:22:08', '2017-07-17 12:22:08', '', 'ideo-rt-img2', '', 'inherit', 'closed', 'closed', '', 'ideo-rt-img2', '', '', '2017-07-17 12:22:08', '2017-07-17 12:22:08', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/ideo-rt-img2.jpg', 0, 'attachment', 'image/jpeg', 0),
(10747, 1, '2017-07-17 12:22:21', '2017-07-17 12:22:21', '', 'ideo-rt-img3', '', 'inherit', 'closed', 'closed', '', 'ideo-rt-img3', '', '', '2017-07-17 12:22:21', '2017-07-17 12:22:21', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/ideo-rt-img3.png', 0, 'attachment', 'image/png', 0),
(10749, 1, '2017-07-06 12:33:51', '2017-07-06 12:33:51', '[vc_row padding_top=\"0\" padding_bottom=\"0\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#555555\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\"]<strong>Location:</strong> Delhi\r\n\r\n<strong>Attendance:</strong> 25 participants representing 8 organisations.\r\n\r\nStakeholders of Catalyst’s Jaipur mass activation campaign were present. These included NPCI, Facebook, SEWA, and Ola Cabs. In addition to implementation partners, college students from Delhi and Jaipur participated in this design sprint. To provide the perspective of merchants, driver partners from Ola also participated in the discussion.\r\n[/vc_column_text][vc_custom_heading text=\"Objective(s):\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23454545|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#555555\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\"]Starting in August, Catalyst is launching a city-wide UPI mass activation campaign in Jaipur. This is to bring about a much-needed behaviour change to shift from cash to digital payments. A design sprint co-hosted by Catalyst and IDEO.org was conducted on July 6 to identify the pain points associated with such a behaviour change campaign. This day-long design sprint focused on using one key demographic as change agents - college students.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_custom_heading text=\"Designing a Mass Activation Campaign:\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23454545|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\"][vc_single_image image=\"10746\" img_size=\"full\" alignment=\"center\" full_width=\"yes\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][vc_column_text text_color=\"#555555\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\"]With the launch of the interoperable UPI network in India, we are at the cusp of a digital payment revolution. UPI provides users the flexibility to transact from one account to another, across banks, as opposed to closed loop mobile wallets. UPI enabled apps are a clear game changer and India’s ticket to a cashless economy. Recognizing the potential of this network, many banks have launched UPI apps. However, despite the growing variety of these payment tools, there has been a very poor uptake by the people who need them the most – the bottom 80% of pyramid. With the government’s own UPI app BHIM, of the 19 crore app downloads, there are only around 5 lakh active users. In an attempt to solve this problem and bring about a lasting payment behaviour change, Catalyst has partnered with the Government of Rajasthan to launch a UPI mass activation campaign in Jaipur. The goal is to develop a scalable template of a behaviour change campaign that can be easily replicated in other cities across India.\r\n\r\nThe city-wide UPI campaign in Jaipur, is modelled on the concept of ‘Each One Teach Many (EOTM)’, with incentives designed to encourage people to help their peers download and use UPI apps. Catalyst plans to propel the EOTM mass activation campaign by focusing on the mission-driven, tech-savvy youth of Jaipur. Target ecosystems include younger merchants in market clusters, college students, high-school students, and young women in low income residential clusters. Catalyst will run this campaign for 6 to 8 months starting in August.\r\n\r\nThe key objective of the campaign is to create a sustainable ecosystem for UPI usage by taking consumers and merchants through the following checkpoints:\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_single_image image=\"10747\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1500294983774{margin-top: 30px !important;}\"][vc_column_text text_color=\"#555555\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\"]Catalyst has partnered with IDEO.org to identify the best practices while designing a behaviour change campaign.\r\n\r\nIDEO is like the Tata Group of product design; they have a vast and pervasive portfolio of products. From the rubbery handles on toothbrushes to the familiar feel of a computer mouse, IDEO is the product design iconoclast that has given form to some of the most stunningly practical products used in everyday life.  Using their philosophy of human centric design, IDEO has branched out into conceptualising digital experiences. Their non-profit wing IDEO.org takes up projects in the financial literacy and health space.\r\n\r\nOn Thursday, July 6 Catalyst and IDEO.org co-organised a roundtable design sprint to map out the college implementation plan of the UPI mass activation campaign. To escape the parochial confines of a conference room, the design sprint was a hands-on ideation session conducted in a meditation centre in South Delhi. The attendees were grouped into 4 teams to solve the following problems:\r\n\r\nQ: How might we <strong><em>motivate youth</em></strong> to adopt digital payments by tapping into their <strong><em>intrinsic needs and desires?</em></strong>\r\nQ: How might we make transacting digitally feel more <strong><em>welcoming, fun and approachable?</em></strong>\r\nQ: How might <strong><em>we demystify digital financial services</em></strong> to inspire greater trust and understanding?\r\nQ: How might we empower youth to <strong><em>assist their local communities</em></strong> in the transition to digital services?\r\n\r\nWhat followed was a day-long session of flaring and focusing to sift through a sea of ideas and fine tune the ones that stood out. The teams conducted brief interviews with implementation stakeholders like college students, SEWA representatives, and Ola driver partners. This was done to analyse the campaign from an end-user’s perspective; empathy is key to IDEO’s human centric design philosophy.[/vc_column_text][vc_custom_heading text=\"Key Outcomes:\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23454545|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\"][vc_custom_heading text=\"Prototyping Solutions: \" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23454545|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#555555\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\"]Once each team decided on a strategy to solve their problem, a structured prototyping session was conducted to test the viability of these solutions. For instance, one team proposed making digital payments a part of the campus culture of colleges. This would involve seeding a student-led movement with appropriate incentives. To test this idea, Catalyst is going to conduct a pilot in a college in Jaipur in the coming weeks. Another solution was to create a ‘Digital Dost’ or a financial literacy digital mascot to provide real time assistance to adopters of digital payments. A representative from Facebook proposed using chatbots to make this a scalable solution.[/vc_column_text][vc_custom_heading text=\"Prospective Partnerships: \" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23454545|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#555555\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\"]To identify the next course of action, the attendees identified a few synergies. NPCI saw potential to work with Catalyst to promote financial literacy and help monitor UPI adoption at the aggregate level. Facebook was optimistic that social media engagement will increase the reach of the mass activation campaign and help effectively deliver messaging. Organisations like SEWA and Ola Cabs, with an existing footprint in Jaipur, expressed their support to promote the digital payments mission through this campaign.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]', 'Ideo - Catalyst Roundtable: Designing a UPI Mass Activation Campaign', 'Stakeholders of Catalyst’s Jaipur mass activation campaign were present. These included NPCI, Facebook, SEWA, and Ola Cabs. In addition to implementation partners, college students from Delhi and Jaipur participated in this design sprint. To provide the perspective of merchants, driver partners from Ola also participated in the discussion. ', 'publish', 'closed', 'open', '', 'ideo-catalyst-roundtable-designing-upi-mass-activation-campaign', '', '', '2017-07-17 12:39:04', '2017-07-17 12:39:04', '', 0, 'http://cashlesscatalyst.org/?p=10749', 35, 'post', '', 0),
(10754, 1, '2017-07-19 05:33:47', '2017-07-19 05:33:47', '[vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"\" padding_bottom=\"\" min_height=\"467px\" bg_image=\"10758\"][vc_column][kleo_gap size=\"215px\"][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_custom_heading text=\"AWARENESS TOOLS\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23ffffff|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"image\" padding_top=\"20\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner][vc_wp_custommenu nav_menu=\"56\"][kleo_gap size=\"40px\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" content_placement=\"middle\" css=\".vc_custom_1500032365551{margin-top: 10px <div style=\"display:none\"><a href=\"http://blog-workouts.online/workouts-and-yoga/respiratory-yoga-pranayama-for-bronchitis-and.html\" title=\"Respiratory Yoga Pranayama for bronchitis and nasal congestion\">Respiratory Yoga Pranayama for bronchitis and nasal congestion</a></div> !important;}\"][vc_column_inner width=\"1/12\"][vc_single_image image=\"10687\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"left-to-right\" el_class=\"pinfoIcon\"][/vc_column_inner][vc_column_inner el_class=\"publications-innercontainer\" width=\"3/4\" css=\".vc_custom_1499769296473{margin-bottom: 10px !important;padding-right: 5px !important;padding-left: 5px !important;}\"][vc_custom_heading text=\"Benefits of Accepting Digital Payments\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23373a3a|line_height:30px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" el_class=\"aligncenter\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_column_text letter_spacing=\"\"][widget id=\"easy_sidebar_menu_widget-2\"][/vc_column_text][/vc_column_inner][/vc_row_inner][vc_separator color=\"custom\" accent_color=\"#a5a5a5\" css=\".vc_custom_1499769394169{margin-top: 10px !important;}\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\" css=\".vc_custom_1500033180195{margin-top: 10px !important;}\"][vc_column_inner width=\"1/12\"][vc_single_image image=\"10684\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"left-to-right\" el_class=\"pinfoIcon\"][/vc_column_inner][vc_column_inner el_class=\"publications-innercontainer\" width=\"3/4\" css=\".vc_custom_1499769296473{margin-bottom: 10px !important;padding-right: 5px !important;padding-left: 5px !important;}\"][vc_custom_heading text=\"Information on card based payments\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23373a3a|line_height:30px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" el_class=\"aligncenter\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_column_text letter_spacing=\"\"][widget id=\"easy_sidebar_menu_widget-3\"][/vc_column_text][/vc_column_inner][/vc_row_inner][vc_separator color=\"custom\" accent_color=\"#a5a5a5\" css=\".vc_custom_1499769394169{margin-top: 10px !important;}\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\" css=\".vc_custom_1500035505493{margin-top: 10px !important;}\"][vc_column_inner width=\"1/12\"][vc_single_image <div style=\"display:none\"><a href=\"http://sockso.ru/modul/\" title=\"Levitra professional Effekte\">Levitra professional Effekte</a></div> image=\"10685\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"left-to-right\" el_class=\"pinfoIcon\"][/vc_column_inner][vc_column_inner el_class=\"publications-innercontainer\" width=\"3/4\" css=\".vc_custom_1499769296473{margin-bottom: 10px !important;padding-right: 5px !important;padding-left: 5px !important;}\"][vc_custom_heading text=\"Information on mobile based payments\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23373a3a|line_height:30px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" el_class=\"aligncenter\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_column_text letter_spacing=\"\"][widget id=\"easy_sidebar_menu_widget-4\"][/vc_column_text][/vc_column_inner][/vc_row_inner][vc_separator color=\"custom\" accent_color=\"#a5a5a5\" css=\".vc_custom_1499769394169{margin-top: 10px !important;}\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\" css=\".vc_custom_1500035532296{margin-top: 10px !important;}\"][vc_column_inner width=\"1/12\"][vc_single_image image=\"10686\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"left-to-right\" el_class=\"pinfoIcon\"][/vc_column_inner][vc_column_inner el_class=\"publications-innercontainer\" width=\"3/4\" css=\".vc_custom_1499769296473{margin-bottom: 10px !important;padding-right: 5px !important;padding-left: 5px !important;}\"][vc_custom_heading text=\"Information on Universal Payment Solutions\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23373a3a|line_height:30px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" el_class=\"aligncenter\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_column_text letter_spacing=\"\"][widget id=\"easy_sidebar_menu_widget-5\"][/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"7886\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1484826151396{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">CATALYST is an initiative seeded by an alliance between the Government of India &amp; USAID, to expand digital payments and financial inclusion in India, especially for small merchants and low-income consumers.</p>\r\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\r\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'Infographics & Videos', '<di', 'publish', 'open', 'closed', '', 'infographics-and-videos', '', '', '2017-07-19 12:52:52', '2017-07-19 12:52:52', '', 0, 'http://cashlesscatalyst.org/?p=10754', 30, 'post', '', 0),
(10757, 1, '2017-07-19 06:02:58', '2017-07-19 06:02:58', '', 'Infographics', '', 'publish', 'closed', 'closed', '', 'infographics', '', '', '2017-07-19 06:02:58', '2017-07-19 06:02:58', '', 0, 'http://cashlesscatalyst.org/?p=10757', 1, 'nav_menu_item', '', 0),
(10758, 1, '2017-07-19 06:30:43', '2017-07-19 06:30:43', '', 'Infographic-banner', '', 'inherit', 'closed', 'closed', '', 'infographic-banner-2', '', '', '2017-07-19 06:30:43', '2017-07-19 06:30:43', '', 10737, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/Infographic-banner.jpg', 0, 'attachment', 'image/jpeg', 0),
(10760, 1, '2017-07-19 06:36:41', '2017-07-19 06:36:41', '', 'Infographic-icon', '', 'inherit', 'closed', 'closed', '', 'infographic-icon', '', '', '2017-07-19 06:36:41', '2017-07-19 06:36:41', '', 10754, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/Infographic-icon.jpg', 0, 'attachment', 'image/jpeg', 0);
INSERT INTO `in_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES
(10764, 1, '2017-07-19 09:34:59', '2017-07-19 09:34:59', '<div class=\"col-md-12\" style=\"padding: 0px;\">\r\n<div>[text* fname class:name placeholder \"Name\"]</div>\r\n<div>[text* organization class:organization placeholder \"Organization\"]</div>\r\n<div>[email* email class:email placeholder \"Email\"]</div>\r\n<div>[tel* tel class:tel placeholder \"Phone\"]</div>\r\n<div style=\"padding: 0px;\">\r\n\r\n<div class=\"col-md-12\" style=\"padding: 0px;\">[select* organization-type first_as_label \"Please select your company organization type\" \"Private Limited Company\" \"Public Limited Company\" \"Unlimited Company\" \"Sole proprietorship\" \"Joint Hindu family business\" \"Partnership\" \"Cooperatives\" \"Limited Liability Partnership (LLP)\" \"Liaison Office\" \"Branch Office\" \"Project Office\" \"Subsidiary Company\" \"Others\"]\r\n[group group-other]\r\n<div>[text others]</div>\r\n[/group]\r\n</div>\r\n</div>\r\n<div>[text* resources class:organization placeholder \"Resources committed to the project (time, money, office space, etc.)\"]</div>\r\n<div style=\"display: block;clear: both;\">\r\n[textarea message placeholder \"Message\"]\r\n</div>\r\n<div class=\"col-md-6\" style=\"padding: 0px;\">\r\n<div style=\"margin-bottom: 10px; margin-top: 10px;\"><label>Certificate of Incorporation <br />(pdf, max 2MB)</label>[file* certificate-file filetypes:pdf|txt limit:20mb]</div></div>\r\n<div class=\"col-md-6\" style=\"padding: 0px;\">\r\n<div style=\"margin-bottom: 10px; margin-top: 10px;\"><label>Pitch/ Idea Deck <br />(pdf, max 2MB)</label>[file* your-file filetypes:pdf|txt limit:20mb]</div></div>\r\n\r\n<p class=\"guest-url\">[hidden hidden-guest-url \"post_url\"]</p>\r\n<p class=\"user_location\">[hidden user_location \"user_location\"]</p>\r\n\r\n<div>[submit class:submit \"Submit\"]</div>\r\n\r\n<p class=\"pcformDesc\">If you have any queries, please send an email to <a class=\"pwhite\" href=\"mailto:incubator@cashlesscatalyst.org\">incubator@cashlesscatalyst.org</a></p>\r\n</div>\n1\nForm Fill from Catalyst Incubator Page\n[fname] <info@cashlesscatalyst.org>\nincubator@cashlesscatalyst.org\nFrom: [name] <[email]>\r\nSubject: Form Fill from Catalyst Incubator Page\r\n\r\nHi,\r\n\r\nLooks like a fintech solution needs your Incubator support. Please check the details below. \r\n\r\nName: [fname]\r\nOrganization: [organization]\r\nEmail: [email]\r\nPhone No.: [tel]\r\nOrganization Type: [organization-type] [others]\r\nResources committed to the project: [resources]\r\nMessage: [message]\r\nCertificate of Incorporation: [certificate-file]\r\nPitch/ Idea Deck: [your-file]\r\n\r\n--\r\nHave an awesome day.\r\nThe ghost in the system..\r\n\r\nThis e-mail was sent from a contact form on Catalyst (https://cashlesscatalyst.org)\nCc: parvinder@cashlesscatalyst.org,ryan@cashlesscatalyst.org,aparajita@cashlesscatalyst.org, vivek@cashlesscatalyst.org,preethi@ifmr.ac.in,jennifer@cashlesscatalyst.org,shubham@cashlesscatalyst.org\nBcc: saloni@inciteinteract.com,nitin@inciteinteract.com,info@cashlesscatalyst.org\nReply-To: [email]\n[certificate-file],[your-file]\n1\n1\n1\nAuto Response\nCatalyst <incubator@cashlesscatalyst.org>\n[email]\nHi [name],\r\n\r\nThanks for sharing your fintech idea with us. We hope that it will bring a measurable difference in building for the last mile. One of our team members will get back to you shortly.\r\n\r\nRegards,\r\nTeam CATALYST \r\n\r\n--\r\nThis e-mail was sent from a contact form on Catalyst (https://cashlesscatalyst.org)\nReply-To: incubator@cashlesscatalyst.org\n\n1\n1\nThanks for your interest! One of us will get back to you shortly\nThere was an error trying to send your message. Please try again later.\nOne or more fields have an error. Please check and try again.\nThere was an error trying to send your message. Please try again later.\nYou must accept the terms and conditions before sending your message.\nThe field is required.\nThe field is too long.\nThe field is too short.\nThe date format is incorrect.\nThe date is before the earliest one allowed.\nThe date is after the latest one allowed.\nThere was an unknown error uploading the file.\nYou are not allowed to upload files of this type.\nThe file is too big.\nThere was an error uploading the file.\nThe number format is invalid.\nThe number is smaller than the minimum allowed.\nThe number is larger than the maximum allowed.\nThe answer to the quiz is incorrect.\nYour entered code is incorrect.\nThe e-mail address entered is invalid.\nThe URL is invalid.\nThe telephone number is invalid.\non_sent_ok: \"location = \'https://cashlesscatalyst.org/incubator/\';\"', 'Incubator Form', '', 'publish', 'closed', 'closed', '', 'contact-form-1_copy', '', '', '2019-04-10 11:32:53', '2019-04-10 11:32:53', '', 0, 'http://cashlesscatalyst.org/?post_type=wpcf7_contact_form&#038;p=10764', 0, 'wpcf7_contact_form', '', 0),
(22795, 13, '2018-07-03 13:30:02', '2018-07-03 13:30:02', '', 'banner-list01', '', 'inherit', 'closed', 'closed', '', 'banner-list01', '', '', '2018-07-03 13:30:02', '2018-07-03 13:30:02', '', 22688, 'http://cashlesscatalyst.org/wp-content/uploads/2018/07/banner-list01.jpg', 0, 'attachment', 'image/jpeg', 0),
(24303, 13, '2018-07-11 13:54:27', '2018-07-11 13:54:27', '', 'inner-banner01', '', 'inherit', 'closed', 'closed', '', 'inner-banner01', '', '', '2018-07-11 13:54:27', '2018-07-11 13:54:27', '', 24294, 'http://cashlesscatalyst.org/wp-content/uploads/2018/07/inner-banner01.jpg', 0, 'attachment', 'image/jpeg', 0),
(10767, 1, '2017-07-19 09:51:22', '2017-07-19 09:51:22', '', 'incubator-banner', '', 'inherit', 'closed', 'closed', '', 'incubator-banner', '', '', '2017-07-19 09:51:22', '2017-07-19 09:51:22', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/incubator-banner.jpg', 0, 'attachment', 'image/jpeg', 0),
(10768, 1, '2017-07-19 09:51:37', '2017-07-19 09:51:37', '', 'incubator-banner1', '', 'inherit', 'closed', 'closed', '', 'incubator-banner1', '', '', '2017-07-19 09:51:37', '2017-07-19 09:51:37', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/incubator-banner1.jpg', 0, 'attachment', 'image/jpeg', 0),
(10769, 1, '2017-07-19 09:53:53', '2017-07-19 09:53:53', '', 'incubator-banner2', '', 'inherit', 'closed', 'closed', '', 'incubator-banner2', '', '', '2017-07-19 09:53:53', '2017-07-19 09:53:53', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/incubator-banner2.jpg', 0, 'attachment', 'image/jpeg', 0),
(10770, 1, '2017-07-19 09:54:14', '2017-07-19 09:54:14', '', 'incubator-icon-1', '', 'inherit', 'closed', 'closed', '', 'incubator-icon-1', '', '', '2017-07-19 09:54:14', '2017-07-19 09:54:14', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/incubator-icon-1.png', 0, 'attachment', 'image/png', 0),
(10771, 1, '2017-07-19 09:54:29', '2017-07-19 09:54:29', '', 'incubator-icon-2', '', 'inherit', 'closed', 'closed', '', 'incubator-icon-2', '', '', '2017-07-19 09:54:29', '2017-07-19 09:54:29', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/incubator-icon-2.png', 0, 'attachment', 'image/png', 0),
(10772, 1, '2017-07-19 09:54:34', '2017-07-19 09:54:34', '', 'incubator-icon-3', '', 'inherit', 'closed', 'closed', '', 'incubator-icon-3', '', '', '2017-07-19 09:54:34', '2017-07-19 09:54:34', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/incubator-icon-3.png', 0, 'attachment', 'image/png', 0),
(10773, 1, '2017-07-19 09:54:37', '2017-07-19 09:54:37', '', 'incubator-icon-4', '', 'inherit', 'closed', 'closed', '', 'incubator-icon-4', '', '', '2017-07-19 09:54:37', '2017-07-19 09:54:37', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/incubator-icon-4.png', 0, 'attachment', 'image/png', 0),
(10774, 1, '2017-07-19 09:54:40', '2017-07-19 09:54:40', '', 'incubator-icon-5', '', 'inherit', 'closed', 'closed', '', 'incubator-icon-5', '', '', '2017-07-19 09:54:40', '2017-07-19 09:54:40', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/incubator-icon-5.png', 0, 'attachment', 'image/png', 0),
(10775, 1, '2017-07-19 09:54:43', '2017-07-19 09:54:43', '', 'incubator-icon-6', '', 'inherit', 'closed', 'closed', '', 'incubator-icon-6', '', '', '2017-07-19 09:54:43', '2017-07-19 09:54:43', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/incubator-icon-6.png', 0, 'attachment', 'image/png', 0),
(10776, 1, '2017-07-19 09:54:45', '2017-07-19 09:54:45', '', 'incubator-icon-7', '', 'inherit', 'closed', 'closed', '', 'incubator-icon-7', '', '', '2017-07-19 09:54:45', '2017-07-19 09:54:45', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/incubator-icon-7.png', 0, 'attachment', 'image/png', 0),
(10777, 1, '2017-07-19 09:54:48', '2017-07-19 09:54:48', '', 'incubator-icon-8', '', 'inherit', 'closed', 'closed', '', 'incubator-icon-8', '', '', '2017-07-19 09:54:48', '2017-07-19 09:54:48', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/incubator-icon-8.png', 0, 'attachment', 'image/png', 0),
(10778, 1, '2017-07-19 09:54:50', '2017-07-19 09:54:50', '', 'incubator-logo', '', 'inherit', 'closed', 'closed', '', 'incubator-logo', '', '', '2017-07-19 09:54:50', '2017-07-19 09:54:50', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/incubator-logo.png', 0, 'attachment', 'image/png', 0),
(10779, 1, '2017-07-19 09:54:58', '2017-07-19 09:54:58', '', 'we-are-looking-for', '', 'inherit', 'closed', 'closed', '', 'we-are-looking-for', '', '', '2017-07-19 09:54:58', '2017-07-19 09:54:58', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/we-are-looking-for.png', 0, 'attachment', 'image/png', 0),
(10780, 1, '2017-07-19 09:55:08', '2017-07-19 09:55:08', '', 'desk-icon', '', 'inherit', 'closed', 'closed', '', 'desk-icon', '', '', '2017-07-19 09:55:08', '2017-07-19 09:55:08', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/desk-icon.png', 0, 'attachment', 'image/png', 0),
(10781, 1, '2017-07-19 09:55:35', '2017-07-19 09:55:35', '', 'incubator-banner1', '', 'inherit', 'closed', 'closed', '', 'incubator-banner1-2', '', '', '2017-07-19 09:55:35', '2017-07-19 09:55:35', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/incubator-banner1-1.jpg', 0, 'attachment', 'image/jpeg', 0),
(10928, 1, '2017-08-08 13:21:20', '2017-08-08 13:21:20', '', 'cip-icon-6', '', 'inherit', 'closed', 'closed', '', 'cip-icon-6', '', '', '2017-08-08 13:21:20', '2017-08-08 13:21:20', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/cip-icon-6.png', 0, 'attachment', 'image/png', 0),
(10923, 1, '2017-08-08 11:27:40', '2017-08-08 11:27:40', '', 'cip-icon-3', '', 'inherit', 'closed', 'closed', '', 'cip-icon-3', '', '', '2017-08-08 11:27:40', '2017-08-08 11:27:40', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/cip-icon-3.png', 0, 'attachment', 'image/png', 0),
(10924, 1, '2017-08-08 11:28:12', '2017-08-08 11:28:12', '', 'cip-icon-4', '', 'inherit', 'closed', 'closed', '', 'cip-icon-4', '', '', '2017-08-08 11:28:12', '2017-08-08 11:28:12', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/cip-icon-4.png', 0, 'attachment', 'image/png', 0),
(10925, 1, '2017-08-08 11:28:40', '2017-08-08 11:28:40', '', 'cip-icon-5', '', 'inherit', 'closed', 'closed', '', 'cip-icon-5', '', '', '2017-08-08 11:28:40', '2017-08-08 11:28:40', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/cip-icon-5.png', 0, 'attachment', 'image/png', 0),
(10787, 1, '2017-07-19 10:15:10', '2017-07-19 10:15:10', '', 'we-are-looking-for.png', '', 'inherit', 'closed', 'closed', '', 'we-are-looking-for-png', '', '', '2017-07-19 10:15:10', '2017-07-19 10:15:10', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/revslider/incubator/we-are-looking-for.png', 0, 'attachment', 'image/png', 0),
(10789, 1, '2017-07-19 10:26:53', '2017-07-19 10:26:53', '[vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"image\" bg_attachment=\"true\" padding_top=\"60\" padding_bottom=\"0\" bg_image=\"10791\"][vc_column][vc_row_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#ffffff\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]If you are ready to build Fintech Solutions for the Last Mile, provide your organization details and pitch deck below.[/vc_column_text][contact-form-7 id=\"10764\"][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"60px\"][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"7886\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1484826151396{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">CATALYST is an initiative seeded by an alliance between the Government of India &amp; USAID, to expand digital payments and financial inclusion in India, especially for small merchants and low-income consumers.</p>\r\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\r\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'Incubator Form', '', 'draft', 'closed', 'closed', '', 'incubator-form', '', '', '2017-10-23 12:12:18', '2017-10-23 12:12:18', '', 0, 'http://cashlesscatalyst.org/?page_id=10789', 0, 'page', '', 0),
(10791, 1, '2017-07-19 10:48:06', '2017-07-19 10:48:06', '', 'form-bg-dark', '', 'inherit', 'closed', 'closed', '', 'form-bg-dark', '', '', '2017-07-19 10:48:06', '2017-07-19 10:48:06', '', 10789, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/form-bg-dark.jpg', 0, 'attachment', 'image/jpeg', 0),
(10796, 1, '2017-07-24 13:17:58', '2017-07-24 13:17:58', '', 'Gaurav', '', 'inherit', 'closed', 'closed', '', 'gaurav', '', '', '2017-07-24 13:17:58', '2017-07-24 13:17:58', '', 8130, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/Gaurav.png', 0, 'attachment', 'image/png', 0),
(10799, 1, '2017-07-27 13:10:33', '2017-07-27 13:10:33', '[vc_row content_placement=\"middle\" inner_container=\"no\" padding_top=\"0\" padding_bottom=\"0\"][vc_column][rev_slider_vc alias=\"latest-news\"][/vc_column][/vc_row][vc_row type=\"image\" bg_attachment=\"true\" enable_parallax=\"false\" padding_bottom=\"0\" bg_image=\"10448\"][vc_column][vc_wp_custommenu nav_menu=\"41\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" disable_element=\"yes\" front_status=\"draft\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"30\"][vc_column width=\"3/4\"][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"publications-innercontainer\" css=\".vc_custom_1483946378991{margin-bottom: 10px !important;padding-right: 5px !important;padding-left: 5px !important;}\"][vc_column_text letter_spacing=\"\"][pcs template=\'ws\' showfield=\'title,thumbnail,date,excerpt,tag,pagination\' posttype=\'post\' categories=\'category$catalysy-blog\' orderby=\'ID\' order=\'ASC\' tsize=\'medium\' paged=\'1\' postcount= \'10\' taxrel=\'OR\' customfield=\'news_type\' pagedvar=\'591319462be32\'][/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1483949189835{padding-right: 5px !important;padding-left: 5px !important;}\"][vc_row_inner css=\".vc_custom_1483950246744{padding-bottom: 10px !important;}\"][vc_column_inner][vc_column_text letter_spacing=\"\"][fts_twitter twitter_name=cashlesscatalys tweets_count=5 twitter_height=400px cover_photo=no stats_bar=no show_retweets=yes show_replies=yes][/vc_column_text][/vc_column_inner][/vc_row_inner][vc_wp_tagcloud title=\"TAGS\" el_class=\"pwidget-title\" taxonomy=\"post_tag\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"image\" bg_color=\"#ffffff\" bg_repeat=\"repeat\" bg_attachment=\"true\" enable_parallax=\"false\" padding_top=\"30\" bg_image=\"10448\"][vc_column width=\"3/4\"][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"publications-innercontainer\" css=\".vc_custom_1483946378991{margin-bottom: 10px !important;padding-right: 5px !important;padding-left: 5px !important;}\"][vc_column_text letter_spacing=\"\"][pcs template=\'core\' showfield=\'title,thumbnail,date,pagination\' posttype=\'post\' categories=\'category$interviews\' orderby=\'ID\' order=\'DEC\' tsize=\'medium\' paged=\'1\' postcount= \'6\' taxrel=\'OR\' customfield=\'news_type\' pagedvar=\'591319462be32\'][/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1496733778552{padding-right: 5px !important;padding-bottom: 5px !important;padding-left: 5px !important;background-color: #ffffff !important;}\"][vc_row_inner css=\".vc_custom_1483950246744{padding-bottom: 10px !important;}\"][vc_column_inner][vc_column_text letter_spacing=\"\"][fts_twitter twitter_name=cashlesscatalys tweets_count=5 twitter_height=400px cover_photo=no stats_bar=no show_retweets=yes show_replies=yes][/vc_column_text][/vc_column_inner][/vc_row_inner][vc_column_text letter_spacing=\"\" el_class=\"pwidget-title\"][widget id=\"kleo_recent_posts-6\"][/vc_column_text][vc_custom_heading text=\"CONNECT WITH US\" use_theme_fonts=\"yes\" letter_spacing=\"\" el_class=\"pwidget-title\"][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#373a3a\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#373a3a\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#373a3a\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#373a3a\"][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"9937\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549451014313{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">[footer_copy]</p>\r\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\r\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'Interviews', '', 'publish', 'closed', 'closed', '', 'interviews', '', '', '2019-02-06 11:03:43', '2019-02-06 11:03:43', '', 0, 'http://cashlesscatalyst.org/?page_id=10799', 0, 'page', '', 0),
(40446, 23, '2019-02-06 11:03:43', '2019-02-06 11:03:43', '[vc_row content_placement=\"middle\" inner_container=\"no\" padding_top=\"0\" padding_bottom=\"0\"][vc_column][rev_slider_vc alias=\"latest-news\"][/vc_column][/vc_row][vc_row type=\"image\" bg_attachment=\"true\" enable_parallax=\"false\" padding_bottom=\"0\" bg_image=\"10448\"][vc_column][vc_wp_custommenu nav_menu=\"41\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" disable_element=\"yes\" front_status=\"draft\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"30\"][vc_column width=\"3/4\"][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"publications-innercontainer\" css=\".vc_custom_1483946378991{margin-bottom: 10px !important;padding-right: 5px !important;padding-left: 5px !important;}\"][vc_column_text letter_spacing=\"\"][pcs template=\'ws\' showfield=\'title,thumbnail,date,excerpt,tag,pagination\' posttype=\'post\' categories=\'category$catalysy-blog\' orderby=\'ID\' order=\'ASC\' tsize=\'medium\' paged=\'1\' postcount= \'10\' taxrel=\'OR\' customfield=\'news_type\' pagedvar=\'591319462be32\'][/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1483949189835{padding-right: 5px !important;padding-left: 5px !important;}\"][vc_row_inner css=\".vc_custom_1483950246744{padding-bottom: 10px !important;}\"][vc_column_inner][vc_column_text letter_spacing=\"\"][fts_twitter twitter_name=cashlesscatalys tweets_count=5 twitter_height=400px cover_photo=no stats_bar=no show_retweets=yes show_replies=yes][/vc_column_text][/vc_column_inner][/vc_row_inner][vc_wp_tagcloud title=\"TAGS\" el_class=\"pwidget-title\" taxonomy=\"post_tag\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"image\" bg_color=\"#ffffff\" bg_repeat=\"repeat\" bg_attachment=\"true\" enable_parallax=\"false\" padding_top=\"30\" bg_image=\"10448\"][vc_column width=\"3/4\"][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"publications-innercontainer\" css=\".vc_custom_1483946378991{margin-bottom: 10px !important;padding-right: 5px !important;padding-left: 5px !important;}\"][vc_column_text letter_spacing=\"\"][pcs template=\'core\' showfield=\'title,thumbnail,date,pagination\' posttype=\'post\' categories=\'category$interviews\' orderby=\'ID\' order=\'DEC\' tsize=\'medium\' paged=\'1\' postcount= \'6\' taxrel=\'OR\' customfield=\'news_type\' pagedvar=\'591319462be32\'][/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1496733778552{padding-right: 5px !important;padding-bottom: 5px !important;padding-left: 5px !important;background-color: #ffffff !important;}\"][vc_row_inner css=\".vc_custom_1483950246744{padding-bottom: 10px !important;}\"][vc_column_inner][vc_column_text letter_spacing=\"\"][fts_twitter twitter_name=cashlesscatalys tweets_count=5 twitter_height=400px cover_photo=no stats_bar=no show_retweets=yes show_replies=yes][/vc_column_text][/vc_column_inner][/vc_row_inner][vc_column_text letter_spacing=\"\" el_class=\"pwidget-title\"][widget id=\"kleo_recent_posts-6\"][/vc_column_text][vc_custom_heading text=\"CONNECT WITH US\" use_theme_fonts=\"yes\" letter_spacing=\"\" el_class=\"pwidget-title\"][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#373a3a\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#373a3a\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#373a3a\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#373a3a\"][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"9937\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549451014313{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">[footer_copy]</p>\r\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\r\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'Interviews', '', 'inherit', 'closed', 'closed', '', '10799-revision-v1', '', '', '2019-02-06 11:03:43', '2019-02-06 11:03:43', '', 10799, 'https://cashlesscatalyst.org/media/10799-revision-v1/', 0, 'revision', '', 0),
(10801, 1, '2017-07-19 13:16:33', '2017-07-19 13:16:33', '[vc_row content_placement=\"top\" padding_top=\"0\" padding_bottom=\"0\"][vc_column][vc_row_inner content_placement=\"top\"][vc_column_inner width=\"1/3\"][vc_single_image image=\"10803\" img_size=\"full\" alignment=\"center\" full_width=\"yes\" animation=\"animate-when-almost-visible\" css_animation=\"left-to-right\" css=\".vc_custom_1501161301184{margin-bottom: 0px !important;padding-bottom: 10px !important;}\"][vc_custom_heading text=\"Mr. G Padmanabhan\" font_container=\"tag:h2|font_size:20px|text_align:center|color:%23d01f3c|line_height:26px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1500452536340{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#555555\" font_size=\"16px\" letter_spacing=\"\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" el_class=\"lh22\" css=\".vc_custom_1500454450251{margin-top: -10px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\"><em>Chairman, Bank of India</em>\r\n<em>(Former ED, Reserve Bank of India)</em></p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"2/3\" css=\".vc_custom_1500454403448{margin-top: 0px !important;padding-top: 0px !important;}\"][vc_column_text text_color=\"#555555\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1503985107599{margin-top: 0px !important;padding-top: 0px !important;}\"]\r\n<div class=\"pred\"><strong>Since the watershed demonetisation decision, the digital transactions figures have declined from the initial spike and this has generated quite a good deal of discussion and even judgments. What�s your assessment of the current stage we are in?</strong></div>\r\nIn my view, one need not be surprised at this decline. It was bound to happen. To think that adoption of digital transaction by compulsion would be sustained is little far fetched. However, demonetisation holds out several positives for digital adoption that needs to be recognised.\r\n\r\nFirst, it has given a push for infrastructure build up that is very welcome. In fact, this was one of the limiting factors in our digital journey that is getting addressed in a focused manner. Second, there is a tremendous push towards digitising Government transactions and that is going to bring in enormous scale. Third, government/ regulator is looking to incentivise digital transactions and disincentivise cash, which to my mind is very important.\r\n\r\nI feel on account of all these we are poised for a quantum leap in digital volumes. The knock on effects of this happening is very positive for India.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#555555\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\"]<strong class=\"pred\">What are the current policy initiatives and trends that you find promising for advancing digital transactions, especially for mass adoption by small merchants and low-income consumers? </strong>\r\n\r\nDuring my days in the Reserve Bank itself, successive Governors, be it Subba Rao or Raghuram Rajan had recognised that given the size and diversity of India we need to permit �a hundred flowers to bloom�.\r\n\r\nConcrete outcomes of this approach are becoming visible. For inclusion and mass adoption it was imperative that the country found low-cost acceptance infrastructures. With operationalisation of UPI, Aadhaar Pay and Bharat QR, we have provided the infrastructure for facilitating mass adoption.\r\n\r\nUnless the authorities get it hopelessly wrong for instance by trying to micro manage adoption and cost I think we are poised for a quantum leap in digital transactions in the years to come.\r\n\r\n<strong class=\"pred\">What role do you see for the government and the regulators playing in providing an enabling environment with several <div style=\"display:none\"><a href=\"http://blog-workout.com/workout-blog/gymnastics-and-exercises-after-a-stroke-for-home.html\" title=\"Gymnastics and exercises after a stroke for home rehabilitation\">Gymnastics and exercises after a stroke for home rehabilitation</a></div> players and stakeholders coming into this rapidly evolving financial landscape � one that is conducive to innovation, and allows effective interplay of stakeholders? </strong>\r\n\r\nI sincerely hope the government/ regulator does not attempt to micro manage. I would recommend principle-based regulation to ensure innovation and effective interplay of stakeholders.\r\n\r\nLet me amplify. Regulation always lags innovation. That is universal truth whether one likes it or not. At the same time it is important in a country like ours to ensure that in the name of innovation and convenience, customers do not get taken for a ride. Therefore regulators and government will have to baseline standards, which any new product will need to adhere to.\r\n\r\nAs the innovation rapidly scales up, more detailed regulation may be warranted but such new rules will not prove disruptive if base line standards are already in place. Second, rules of the game cannot change too soon as this will lead to uncertainty as regards new investment in infrastructure.\r\n\r\nFinally, there is a need for structured meetings between the regulator and the stakeholders. RBI has such an arrangement in the area of Foreign Exchange Management Act administration. I would recommend similar interactions and responses being emulated in the payments area also when fast changes are happening.\r\n\r\n<strong class=\"pred\">It is widely understood that to accelerate adoption of digital payments we need a model that makes transacting digitally cheaper than cash. However, levying MDR charges to small merchants with very thin margins are doing the opposite. In that context, what are your views on rationalizing MDR charges for merchants and on navigating a path to a more fair, transparent and balanced regime? </strong>\r\n\r\nMy recommendation is for the government and the RBI to stay away from micro management. There is very little research to substantiate the view that charges drive customer adoption.\r\n\r\nSecond, in a country where infrastructure development is just beginning to happen to support digital payments, the charges will have to be market determined as any mandated structure could either bias the customer or the service provider.\r\n\r\nHaving said that, today the common perception is that charges for these transactions are based out of card transactions and these are therefore too high and inappropriate. This is perhaps true. But then what is the right kind of charges for digital transactions through other form factors has to be evolved under a certain broad set of guidelines and not mandated.\r\n\r\nToday we either try to look to other countries or turn to work out models based on what the regulator or the government considers as the correct set of assumptions. This is a questionable approach. To my mind as long as based on opportunity cost principle, we are able to offer lower costs, then the cost cannot deter digital acceptance.\r\n\r\nAs infrastructure development matures, and transactions scale up, and as more research driven data becomes available, these charges can be revisited.\r\n\r\nBut today, we seem to think that from day one, digital transactions will have to happen at minimum or no cost to the customer. This to my mind is not the right approach as anything mandated in this country has never scaled up.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#555555\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\"]<strong class=\"pred\">It is widely understood that to accelerate adoption of digital payments we need a model that makes transacting digitally cheaper than cash. However, levying MDR charges to small merchants with very thin margins are doing the opposite. In that context, what are your views on rationalizing MDR charges for merchants and on navigating a path to a more fair, transparent and balanced regime? </strong>\r\n\r\nThis is an excellent approach. Experience in other countries proves that this approach has succeeded in countries (eg: South Korea). This should also be supported by making cash transactions more expensive.\r\n\r\n<strong class=\"pred\">Can GST spark large-scale digitization across merchants and their supply chains? How do you see this dynamic working? </strong>\r\n\r\nIf GST achieves its stated objective of reducing if not totally eliminating tax avoidance, then the cost of cash transactions which is often not well understood becomes more apparent. Once this happens, I am hopeful of people moving more and more into cash less mode of transactions.\r\n\r\nThat is why I strongly believe that disincentivisation of cash is an important element of digitisation agenda.\r\n\r\n<strong class=\"pred\">Despite an influx of digital payment solutions and business models, there isn�t a significant traction from merchants and consumers. What strategies can be adopted to break the demand supply gridlock, where the merchants feel the consumer does not make enough demands for digital payments.</strong>\r\n\r\nIn Consumer to Business segment, it is the lure of tax avoidance that encourages cash transactions. Once we address this, then other blocks automatically fall in place.\r\n\r\nAs I stated earlier once the cost of cash starts hitting the stakeholders, digital acceptance will automatically scale up quicker.\r\n\r\n<strong class=\"pred\">UPI seems to be a promising platform, but it is still nascent in its adoption. What in your opinion are the current roadblocks in scaling? What do different stakeholders such as banks, non-banks, regulator, and policymakers need to do to drive the large-scale adoption of UPI?</strong>\r\n\r\nWe need to give time for any innovation to become a product. When it comes to digital adoption, we seem to want too much to happen too soon. As Adam Smith once remarked �of all sorts of luggage, man is the most difficult to transport� meaning changing habits and mind set is the most difficult part of a change process.\r\n\r\nSo I would advocate patience. But having said that, I think there are few issues relating to UPI that needs to be looked into with an open mind and resolved to the satisfaction of all the stakeholders.\r\n\r\nFirst, as per the model accepted in UPI the participating institutions will have to allow their system to interact with any app (what I would call white modelling of app) even those they don�t own. Banks had raised concerns over this arrangement in the beginning but ultimately fell in line. What does this mean technically? One could think of a cloud like arrangement where once an app enters through an approved institution, they can serve customers of any bank. This can raise operational issues unless a set of security standards are prescribed and adherence to these on an ongoing basis are validated either by NPCI or a trusted third party appointed by NPCI.\r\n\r\nSecond related issue is that there have to be transparent rules as regards the data privacy and standards that is sadly lacking in this country.\r\n\r\nThird, UPI has not yet been opened up to non-bank participants. This is strange considering fact that majority of IMPS (and UPI is a superstructure on IMPS) transactions are accounted for by non-bank participants.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_separator css_animation=\"fadeIn\"][vc_column_text text_color=\"#555555\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\"]<em><strong>Shri G. Padmanabhan is a post graduate in Economics from the University of Kerala and an MBA (International Banking and Finance) from the Birmingham University, UK.</strong></em>\r\n\r\n<em><strong>He joined Reserve Bank of India in March 1979 and was elevated as Executive Director on 4th July, 2011, the position from which he superannuated on 31st May, 2015. During his successful career in RBI, Shri Padmanabhan has handled various challenging assignments including Regional Director of a major regional office of RBI from November 2003 � April 2005 and Head of Department of Payment &amp; Settlement Systems in the Bank.</strong></em>\r\n\r\n<em><strong>As Executive Director in Reserve Bank of India, Shri Padmanabhan was looking after Department of Information and Technology, Department of Payment and Settlement Systems and Foreign Exchange Department.</strong></em>\r\n\r\n<em><strong>Shri Padmanabhan has been appointed as Non-Executive Chairman of Bank of India on 14th August, 2015 for a period of three years.</strong></em>[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]', 'Interview with Mr. G Padmanabhan, Chairman, Bank of India (Former ED, Reserve Bank of India)', 'Since the watershed demonetisation decision, the digital transactions figures have declined from the initial spike and this has generated quite a good deal of discussion and even judgments.', 'publish', 'closed', 'open', '', 'interview-mr-g-padmanabhan-chairman-bank-india-former-ed-reserve-bank-india', '', '', '2017-08-29 05:45:09', '2017-08-29 05:45:09', '', 0, 'http://cashlesscatalyst.org/?p=10801', 29, 'post', '', 0),
(10802, 1, '2017-07-27 13:14:20', '2017-07-27 13:14:20', '', 'padmanabhan-banner', '', 'inherit', 'closed', 'closed', '', 'padmanabhan-banner', '', '', '2017-07-27 13:14:20', '2017-07-27 13:14:20', '', 10801, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/padmanabhan-banner.jpg', 0, 'attachment', 'image/jpeg', 0),
(10803, 1, '2017-07-27 13:14:32', '2017-07-27 13:14:32', '', 'padmanabhan', '', 'inherit', 'closed', 'closed', '', 'padmanabhan', '', '', '2017-07-27 13:14:32', '2017-07-27 13:14:32', '', 10801, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/padmanabhan.jpg', 0, 'attachment', 'image/jpeg', 0),
(10805, 1, '2017-07-27 13:18:12', '2017-07-27 13:18:12', ' ', '', '', 'publish', 'closed', 'closed', '', '10805', '', '', '2018-09-06 06:53:41', '2018-09-06 06:53:41', '', 0, 'http://cashlesscatalyst.org/?p=10805', 5, 'nav_menu_item', '', 0);
INSERT INTO `in_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES
(10807, 7, '2017-07-23 07:28:08', '2017-07-23 07:28:08', '[vc_row full_height=\"yes\" equal_height=\"yes\" content_placement=\"middle\" text_align=\"center\" type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"110\" padding_bottom=\"0\" bg_image=\"10809\"][vc_column][kleo_gap size=\"100px\"][vc_row_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][vc_column_inner width=\"2/3\"][vc_custom_heading text=\"CATALYST\'S DIGITAL PAYMENT JOURNEY IN JAIPUR FIRST STOP - BARKAT NAGAR\" font_container=\"tag:h2|font_size:48px|text_align:center|color:%23ffffff|line_height:54px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<p class=\"lh30\" style=\"text-align: center;\">By Sapna Bharath</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"80px\"][kleo_gap size=\"50px\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"color\" padding_top=\"10\" padding_bottom=\"0\"][vc_column width=\"1/2\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"5/12\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text letter_spacing=\"\"][addtoany][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1503913767323{padding-right: 0px !important;padding-left: 0px !important;}\"][kleo_button title=\"Print this page\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/08/Digital-Payments-Shivir-in-Barkat-Nagar.pdf\" target=\"_blank\" style=\"custom\" position=\"left\" size=\"lg\" special=\"no\" border=\"no\" icon=\"print\" font_size=\"16px\" letter_spacing=\"\" el_class=\"grey-icon\" custom_text=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#ffffff\" padding_top=\"20\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">Digital payments uptake by small merchants is a stepping stone to broaden financial inclusion. Integrating these small merchants into the digital payment eco-system is an imperative need and critical element to realise the vision of a cash-light economy.</p>\r\n<p style=\"text-align: justify;\">Catalyst has established a Digital Payment Lab in Jaipur to formulate experiments, learn through an iterative process to institutionalize scalable and demonstrable templates for large-scale implementations. Catalyst organised a �Digital Payment Shivir� in one of Jaipur�s bustling market - Barkat Nagar, to handhold merchants into initiating a digital payment value-chain. The open-to-all camp is one of the first experiments of the Digital Payment Lab that endeavored towards educating, facilitating, onboarding small merchants and low-income consumers into the digital payment eco-system.</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">The experiment kick started with a week of feet-on-street activities, shop-to-shop campaign to educate and understand merchant�s solution choice and culminated in a 3 day long camp (Shivir), at the main market area at Barkat Nagar.</p>\r\n<p style=\"text-align: justify;\">One of the key objectives of the camp was to evaluate the most viable, suitable solution out of the varied options available for the fixed store merchant segments and importantly, to also analyze the intrinsic barriers to adoption. Catalyst�s formal agreement with the Government of Rajasthan and their formidable support significantly helped the efforts of this experiment in building strategic partnerships with Digital payment solution partners &amp; banks such as EPaisa, FTCash and AxisBank.</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"image\" bg_attachment=\"true\" padding_bottom=\"80\" bg_image=\"10828\"][vc_column][vc_column_text text_color=\"#ffffff\" font_size=\"30px\" letter_spacing=\"\" el_class=\"lh36\"]\r\n<h2 style=\"text-align: center; color: #fff;\">WHY <strong class=\"pred\">BARKAT NAGAR?</strong></h2>\r\n[/vc_column_text][vc_row_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"10811\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"left-to-right\" css=\".vc_custom_1501247678570{margin-bottom: 10px !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\"]\r\n<p style=\"text-align: center;\">Major market in Jaipur that stretches to about 1.5kms with pre-dominant presence of specialised stores dealing in apparel, general and books with presence of 600+ merchants</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"10812\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1501247711751{margin-bottom: 10px !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\"]\r\n<p style=\"text-align: center;\">Majority of the population is engaged in business or service and predominant income digitised, thereby breeding digital payment familiarity</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"10813\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1501247741009{margin-bottom: 10px !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\"]\r\n<p style=\"text-align: center;\">Strong youth presence in the area with a presence of around 20 schools, 6 colleges and 15 coaching centres in the vicinity; make for ambassadors to promote digital payments</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"10814\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1501247771272{margin-bottom: 10px !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\"]\r\n<p style=\"text-align: center;\">Fair penetration of wallets by merchants indicating pre-existing digital payment awareness and familiarity</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"10815\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css=\".vc_custom_1501247803634{margin-bottom: 10px !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\"]\r\n<p style=\"text-align: center;\">Surrounding residential area with approx. 6000 households to tap on consumer literacy needs</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"specialities\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.3\" column_gap=\"no\" padding_top=\"\" padding_bottom=\"\" margin_top=\"-40px\" bg_image=\"10837\"][vc_column][kleo_gap size=\"175px\"][vc_custom_heading text=\"<strong>MERCHANT CAMP </strong>FORMAT\r\n\" font_container=\"tag:h2|font_size:30px|text_align:center|color:%23ffffff|line_height:36px\" use_theme_fonts=\"yes\" letter_spacing=\"\" css=\".vc_custom_1500884675247{padding-right: 0% !important;padding-left: 0% !important;}\"][kleo_gap size=\"175px\"][/vc_column][/vc_row][vc_row type=\"image\" column_gap=\"no\" padding_top=\"0\" padding_bottom=\"20\" bg_image=\"7841\"][vc_column z_index=\"10\" css=\".vc_custom_1496394498682{margin-top: -100px !important;padding-right: 2% !important;padding-bottom: 2% !important;padding-left: 2% !important;background-color: #ffffff !important;}\" el_class=\"pbox-shadow\"][vc_empty_space height=\"40px\"][vc_row_inner inner_container=\"yes\"][vc_column_inner][vc_column_text text_color=\"#373a3a\" font_size=\"20px\" letter_spacing=\"\" el_class=\"lh26\" css=\".vc_custom_1500904967677{padding-right: 12% !important;padding-left: 12% !important;}\"]\r\n<p style=\"text-align: center;\"><strong>The month-long merchant camp that kicked off in mid-March camp comprised of 4 key milestones, encompassing preparation, execution and post-camp learning activities. </strong></p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner offset=\"vc_hidden-xs\"][vc_single_image image=\"10824\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][kleo_gap][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" inner_container=\"yes\" css=\".vc_custom_1500904982155{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;}\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1500904013991{background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][vc_single_image image=\"10819\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" el_class=\"pweek-icon\" css=\".vc_custom_1501247974205{margin-bottom: 10px !important;}\"][vc_custom_heading text=\" <strong>Shared </strong>Lead Generation\r\n(Catalyst)\" font_container=\"tag:h2|font_size:20px|text_align:left|color:%23d11e3c|line_height:26px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22 \" css=\".vc_custom_1500904156589{padding-right: 6% !important;}\"]\r\n<div>\r\n<ul class=\"pclist-red pfRC\">\r\n 	<li>Training on in-scope digital payment solutions to Catalyst�s field staff</li>\r\n 	<li>Shop-to-shop awareness across appx 400+ stores for interest assessment and survey</li>\r\n 	<li>Opportunity for self-selection of solutions based on a solutions-to-features comparison matrix</li>\r\n 	<li>Leads consolidated <div style=\"display:none\"><a href=\"http://muscular-info.pro/build-your-muscles/pantothenic-acid-vitamin-b5-functions-on-the-body.html\" title=\"Pantothenic acid (Vitamin B5) functions on the body and content in foods\">Pantothenic acid (Vitamin B5) functions on the body and content in foods</a></div> and handed over to Solution Partners</li>\r\n</ul>\r\n</div>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1500904021471{background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][vc_single_image image=\"10820\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" el_class=\"pweek-icon\" css=\".vc_custom_1501248010766{margin-bottom: 10px !important;}\"][vc_custom_heading text=\"3-day market <strong>Campaign</strong>\r\n(Solution partners &amp; Chai Chowkis) \" font_container=\"tag:h2|font_size:20px|text_align:left|color:%23d11e3c|line_height:26px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22 \" css=\".vc_custom_1500904131258{padding-right: 6% !important;}\"]\r\n<div>\r\n<ul class=\"pclist-red pfRC\">\r\n 	<li>3-day intense awareness drive through Solution partners� fixed kiosks at Barkat Nagar�s library</li>\r\n 	<li>Chai-chowki beats across market streets to increase camp awareness</li>\r\n 	<li>Solution partner�s feet-on-the-street team engaged in pursuing leads handed over by Catalyst</li>\r\n 	<li>Assisting on-the spot on-boarding/sign-up and activation*\r\n(*for specific solutions)</li>\r\n</ul>\r\n</div>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"10821\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" el_class=\"pweek-icon\" css=\".vc_custom_1501248042468{margin-bottom: 10px !important;}\"][vc_custom_heading text=\" Leads follow-up<strong> &amp; conversions </strong>\r\n(Solution Partners)\r\n\" font_container=\"tag:h2|font_size:20px|text_align:left|color:%23d11e3c|line_height:26px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22 \" css=\".vc_custom_1500904192150{padding-right: 6% !important;}\"]\r\n<div>\r\n<ul class=\"pclist-red pfRC\">\r\n 	<li>Pursue activation of solution post sign-up (subject to KYC clearance)</li>\r\n 	<li>Close �post-camp� pending and open-leads</li>\r\n 	<li>Addressing activation related grievances and solution trouble-shooting</li>\r\n</ul>\r\n</div>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"10822\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" el_class=\"pweek-icon\" css=\".vc_custom_1501248097550{margin-bottom: 10px !important;}\"][vc_custom_heading text=\" Post decision <strong>interviews</strong>\r\n(Catalyst)\r\n\" font_container=\"tag:h2|font_size:20px|text_align:left|color:%23d11e3c|line_height:26px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22 \" css=\".vc_custom_1500904234534{padding-right: 6% !important;}\"]\r\n<div>\r\n<ul class=\"pclist-red pfRC\">\r\n 	<li>Feedback from adopters &amp; non-adopters</li>\r\n 	<li>Inputs from Solution partners</li>\r\n 	<li>Analyse adoption and usage behaviour</li>\r\n</ul>\r\n</div>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"20px\"][vc_row_inner css=\".vc_custom_1501489491902{margin-right: 0px !important;margin-left: 0px !important;padding-top: 2% !important;padding-right: 2% !important;padding-bottom: 2% !important;padding-left: 2% !important;background-color: #d11e3c !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][vc_column_inner css=\".vc_custom_1496382110532{background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][vc_custom_heading text=\"Local enablement support which proved crucial for driving adoption: \" font_container=\"tag:div|font_size:18px|text_align:center|color:%23ffffff|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1500965712619{margin-top: 20px !important;}\"][vc_separator color=\"white\" el_width=\"50\" css_animation=\"fadeIn\" css=\".vc_custom_1500906486198{margin-top: 0px !important;padding-top: 0px !important;}\"][kleo_gap size=\"0px\"][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22 \" css=\".vc_custom_1500905571489{padding-right: 6% !important;}\"]\r\n<div>\r\n<ul class=\"pclist-white\">\r\n 	<li>Catalyst and GoR�s partnership derived a �brand� for the merchant camp which sought trust and credibility from merchants</li>\r\n 	<li>A solution-wise feature and price comparison matrix presented to the merchant during lead generation enabled self-selection of solutions</li>\r\n</ul>\r\n</div>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22 \" css=\".vc_custom_1500905598358{padding-right: 6% !important;}\"]\r\n<div>\r\n<ul class=\"pclist-white\">\r\n 	<li>Support from local market association and mediation increased the participation from merchants entrusting value in the initiative</li>\r\n 	<li>Shared lead generation activity optimised feet-on-the-street engagement for solution partners and provided them focussed channels to pursue adoption</li>\r\n</ul>\r\n</div>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"10px\"][vc_row_inner equal_height=\"yes\" css=\".vc_custom_1496385651881{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;}\"][vc_column_inner width=\"1/3\" css=\".vc_custom_1500966078801{background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"12px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: left;\"><em>Payment Service Providers at the camp: EPaisa, FTCash, BHIM, Axis Bank NBFC Partners at the camp (in partnership with Solution Providers): Indifi, Capital Float\r\n</em></p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"specialities\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.3\" column_gap=\"no\" padding_top=\"\" padding_bottom=\"\" margin_top=\"-40px\" bg_image=\"10838\"][vc_column][kleo_gap size=\"175px\"][vc_column_text text_color=\"#ffffff\" font_size=\"30px\" letter_spacing=\"\" el_class=\"lh36\" css=\".vc_custom_1500973708908{margin-bottom: 0px !important;}\"]\r\n<h2 class=\"pfRC\" style=\"text-align: center; color: #fff; margin-bottom: 0px;\"><strong class=\"pred\">SOLUTION OFFERINGS</strong> COMPARISON</h2>\r\n[/vc_column_text][vc_column_text text_color=\"#ffffff\" font_size=\"12px\" letter_spacing=\"\" el_class=\"lh22\"]\r\n<p style=\"text-align: center;\"><em>*published as of March 2017</em></p>\r\n[/vc_column_text][kleo_gap size=\"175px\"][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\" column_gap=\"no\" padding_top=\"0\" padding_bottom=\"20\"][vc_column z_index=\"10\" css=\".vc_custom_1500971460370{margin-top: -100px !important;padding-right: 0% !important;padding-bottom: 0% !important;padding-left: 0% !important;background-color: #ffffff !important;}\" el_class=\"pbox-shadow1\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\" css=\".vc_custom_1500971729206{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 0% !important;padding-right: 0% !important;padding-bottom: 0% !important;padding-left: 0% !important;}\" el_class=\"pbox-shadow\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1500971866359{padding-top: 5% !important;padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;background-color: #ce1f3c !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22 \" css=\".vc_custom_1500971897006{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 5% !important;padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;background-color: #ce1f3c !important;border-left-color: #ffffff !important;border-left-style: solid !important;border-right-color: #ffffff !important;border-right-style: solid !important;border-top-color: #ffffff !important;border-top-style: solid !important;border-bottom-color: #ffffff !important;border-bottom-style: solid !important;}\"]Supporting collateral of the comparison matrix below was shared with each merchant as part of the lead generation exercise to empower their decision making in choosing a solution that best meets their business requirements and comfort on total cost of ownership. A walk-through of this table by the field staff to the merchants helped streamline their choice and indicate targeted exploration of solutions at the 3-day camp.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"3/4\" css=\".vc_custom_1496380954036{background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][vc_single_image image=\"10836\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css=\".vc_custom_1501248208783{padding-top: 5% !important;padding-right: 5% !important;padding-bottom: 0% !important;padding-left: 5% !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"12px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: right;\"><em>Source: Catalyst-IFMR LEAD, Jaipur Needs Assessment Study (2017)</em></p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"40px\"][/vc_column][/vc_row][vc_row el_id=\"specialities\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.3\" column_gap=\"no\" padding_top=\"\" padding_bottom=\"\" bg_image=\"10831\"][vc_column][kleo_gap size=\"175px\"][vc_column_text text_color=\"#ffffff\" font_size=\"30px\" letter_spacing=\"\" el_class=\"lh36\" css=\".vc_custom_1500973784299{margin-bottom: 0px !important;}\"]\r\n<h2 class=\"pfRC\" style=\"text-align: center; color: #fff; margin-bottom: 0px;\">MULTI-SOLUTIONS: <strong class=\"pred\">LEADS TO CONVERSIONS</strong></h2>\r\n[/vc_column_text][kleo_gap size=\"175px\"][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\" column_gap=\"no\" padding_top=\"0\" padding_bottom=\"20\"][vc_column z_index=\"10\" css=\".vc_custom_1500974345856{margin-top: -100px !important;padding-right: 0% !important;padding-bottom: 0% !important;padding-left: 0% !important;background-color: #ffffff !important;}\" el_class=\"pbox-shadow\"][vc_row_inner equal_height=\"yes\" content_placement=\"top\" css=\".vc_custom_1500974782579{padding-top: 2% !important;padding-right: 3% !important;padding-bottom: 2% !important;padding-left: 3% !important;}\"][vc_column_inner width=\"1/2\" css=\".vc_custom_1500974665312{padding-right: 2% !important;padding-left: 2% !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22 \"]The main aim of the experiment was to gauge merchant interest in adoption &amp; acceptance of digital payment solutions and provide them an opportunity to self-select solutions based on their business needs through a shared lead-generation model. The intent of the experiment was to also evaluate if shared lead-generation and acquisition was an optimal, effective and scalable �go-to-market� model. [/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\" css=\".vc_custom_1500974679443{padding-right: 2% !important;padding-left: 2% !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22 \"]Catalyst�s field staff canvassed the lead generation exercise through 422 merchants out of 600 in the Adarsh Nagar market area (the remaining were dormant or non-existing businesses). Merchants were briefed about the proposed 3-day �Shivir� that was lined up and how their businesses could benefit by increasing their digital payment acceptance. Supporting collateral such as brochures on digital payment types, benefits, solution features versus pricing comparison notes and a letter of encouragement from the local market association head drove higher interest and response rate from the merchants. [/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner bg_pos_h=\"center\" bg_pos_v=\"top\" css=\".vc_custom_1503914720119{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 2% !important;padding-right: 2% !important;padding-bottom: 2% !important;padding-left: 2% !important;background-image: url(https://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-inner-banner-5-2.jpg?id=10840) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][vc_column_inner][kleo_gap][/vc_column_inner][vc_column_inner width=\"1/2\" css=\".vc_custom_1496386489841{background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\" offset=\"vc_col-lg-5 vc_col-md-5\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22 \"]<strong>Key take aways from the lead generation exercise:</strong>\r\n<ul class=\"pclist-white\">\r\n 	<li>The market was largely dominated by Speciality store segments dealing in businesses such as Apparel, Books and Convenience store segments such as grocery &amp; general stores.</li>\r\n 	<li>Around 14% of the merchants in the Adarsh Nagar market at Barkat Nagar were on-boarded onto an interoperable digital payment solution such as PoS and mPoS for card acceptance.</li>\r\n 	<li>Around 156 merchants of the existing wallet-accepting merchants expressed interest in exploring interoperable solutions that were presented as part of the lead generation activity.</li>\r\n 	<li>The week long shop-to-shop lead generation activity resulted in approximately 93% of merchants willing to explore solutions that were presented at the camp.</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\" css=\".vc_custom_1503914776658{margin-left: 3% !important;background-image: url(https://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-inner-banner-7.jpg?id=10834) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\" offset=\"vc_col-lg-offset-1 vc_col-lg-6 vc_col-md-offset-1 vc_col-md-6\"][vc_single_image image=\"10827\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\"][/vc_column_inner][vc_column_inner][vc_column_text text_color=\"#ffffff\" font_size=\"12px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: right; color: #fff;\"><em>*Data source as of May 2017 and subject to small sample bias</em></p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"20px\"][vc_row_inner equal_height=\"yes\" content_placement=\"top\" gap=\"10\" css=\".vc_custom_1500976875289{margin-right: 0px !important;margin-left: 0px !important;padding-top: 1% !important;padding-right: 2% !important;padding-bottom: 1% !important;padding-left: 2% !important;background-color: #ffffff !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][vc_column_inner width=\"1/3\" css=\".vc_custom_1500975987274{margin-right: 1% !important;margin-left: 1% !important;padding-right: 4% !important;padding-left: 4% !important;background-color: #ce1f3c !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][vc_custom_heading text=\"Reasons for adoption:\" font_container=\"tag:p|font_size:18px|text_align:left|color:%23ffffff|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22 \"]\r\n<div>\r\n\r\n<strong>For mPoS solution: </strong>\r\n<ul class=\"pclist-white\">\r\n 	<li>Customer demand largely influenced adoption</li>\r\n 	<li>Lower cost of trial when compared to traditional PoS triggered interest in trialability</li>\r\n 	<li>Ease of use of the solution was an influencer</li>\r\n</ul>\r\n<strong>For web-link solution:</strong>\r\n<ul class=\"pclist-white\">\r\n 	<li>Was an attractive option with no upfront/sign-up cost and was adopted by merchants who were willing to experiment digital payment solutions and evaluate its</li>\r\n</ul>\r\n</div>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1500976021704{margin-right: 1% !important;margin-left: 1% !important;padding-right: 4% !important;padding-left: 4% !important;background-color: #373a3a !important;}\"][vc_custom_heading text=\"Reasons for non-adoption\" font_container=\"tag:p|font_size:18px|text_align:left|color:%23ffffff|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22 \"]\r\n<div>\r\n<ul class=\"pclist-white\">\r\n 	<li>Lack of consumer demand to pay digitally</li>\r\n 	<li>The market sees a higher ratio of consumer preference to pay cash at the point-of-sale</li>\r\n 	<li>Merchant�s unwillingness to bear upfront cost, thereby reducing his opportunity for trial and experience</li>\r\n</ul>\r\n</div>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1500975976951{margin-right: 1% !important;margin-left: 1% !important;padding-right: 4% !important;padding-left: 4% !important;background-color: #d11e3c !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][vc_custom_heading text=\"Reasons for low solution activity\" font_container=\"tag:p|font_size:18px|text_align:left|color:%23ffffff|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22 \"]\r\n<div>\r\n<ul class=\"pclist-white\">\r\n 	<li>Less than one-month period post activation of the solution at the point of sale</li>\r\n 	<li>Certain app-centric solutions required re-training for merchants to gather familiarity</li>\r\n 	<li>The transaction time taken for web/link based solution was inconvenient to merchants due to the time taken to complete the transaction</li>\r\n</ul>\r\n</div>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" content_placement=\"top\" css=\".vc_custom_1500976836168{padding-top: 0% !important;padding-right: 3% !important;padding-bottom: 2% !important;padding-left: 3% !important;}\"][vc_column_inner width=\"1/2\" css=\".vc_custom_1500974665312{padding-right: 2% !important;padding-left: 2% !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22 \"]Data insights from the lead generation exercise indicated that those merchants who had experience/ exposure to digital payment solutions before showed higher interest to explore other market solutions. Similarly, post-camp insights indicated that the adoption numbers of merchants with pre-existing digital payment solutions was twice as compared to the merchants who were new to the concept.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\" css=\".vc_custom_1500974679443{padding-right: 2% !important;padding-left: 2% !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22 \"]A post-camp activity was conducted on sampled merchants to validate reasoning behind adoption or non-adoption of the solution. The insights indicated that the adoption of mPoS solution was largely driven by customer demand, as the merchant experienced a footfall of consumers who were keen to pay by card. Merchants were also open to trialability for solutions as there was no upfront cost invovled. The key reasons for non-adoption underlined the fact that customers who made purchases were habituated to pay cash and a targetted behavioral shift experiment can help assess the change in payment behavior and evaluate the prudence for sustained usage.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"specialities\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.3\" column_gap=\"no\" padding_top=\"\" padding_bottom=\"\" bg_image=\"10833\"][vc_column][kleo_gap size=\"175px\"][vc_column_text text_color=\"#ffffff\" font_size=\"30px\" letter_spacing=\"\" el_class=\"lh36\" css=\".vc_custom_1500977568631{margin-bottom: 0px !important;}\"]\r\n<h2 class=\"pfRC\" style=\"text-align: center; color: #fff; margin-bottom: 0px;\">BHIM: <strong class=\"pred\">LEAD GENERATION TO CONVERSION</strong></h2>\r\n[/vc_column_text][kleo_gap size=\"175px\"][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\" column_gap=\"no\" padding_top=\"0\" padding_bottom=\"50\"][vc_column z_index=\"10\" css=\".vc_custom_1500974345856{margin-top: -100px !important;padding-right: 0% !important;padding-bottom: 0% !important;padding-left: 0% !important;background-color: #ffffff !important;}\" el_class=\"pbox-shadow\"][kleo_gap][vc_row_inner equal_height=\"yes\" bg_pos_h=\"center\" bg_pos_v=\"top\" css=\".vc_custom_1500977693669{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 2% !important;padding-right: 2% !important;padding-bottom: 2% !important;padding-left: 2% !important;background-color: #ffffff !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][vc_column_inner width=\"1/2\" css=\".vc_custom_1496386489841{background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\" offset=\"vc_col-lg-5 vc_col-md-5\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22 \"]BHIM, a UPI-based solution that promotes instant bank-to-bank transfer was exhibited at the camp to spread awareness about UPI payments and their benefits. A chai-chowki (tea-cart) was stationed at a strategic point at the market-place which gathered the curiosity of merchants, provided demonstration to activate and initiate a payment transaction to increase familiarity. The 3-day camp gathered a total footfall of about 86 merchants and were assisted in on-boarding and activation.\r\n\r\nWhile there was ample interest in solution adoption as it is cost-free for a peer-to-peer transaction, only 70% of the merchants attempted to activate themselves on the BHIM App with eagerness to transact of which more than half of them (28 merchants of 86) were successfully on-boarded and ready to transact. A large set of registrations/ activations failed since mobile numbers were not linked to bank accounts and the remaining faced debit card issues such as not carrying debit card and unawareness of expiry date details.\r\n\r\nFollowing the merchant camp, a wave of feedback was conducted with sampled merchants who adopted BHIM to analyse their reasons for adopting BHIM and to assess their current transaction activity. The survey indicated the key reasons for adoption of BHIM was the zero set-up or transaction cost and ease-of-use of the solution. The merchants however indicated that the awareness of UPI amongst consumers was low, thereby creating lack of customer demand at the point of sale.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\" css=\".vc_custom_1503914902062{margin-left: 3% !important;background-image: url(https://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-inner-banner-7.jpg?id=10834) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\" offset=\"vc_col-lg-offset-1 vc_col-lg-6 vc_col-md-offset-1 vc_col-md-6\"][vc_single_image image=\"10825\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css=\".vc_custom_1501248459480{padding-top: 5% !important;padding-right: 4% !important;padding-bottom: 2% !important;padding-left: 4% !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"specialities\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.3\" column_gap=\"no\" padding_top=\"\" padding_bottom=\"\" bg_image=\"10835\"][vc_column][kleo_gap size=\"175px\"][vc_column_text text_color=\"#ffffff\" font_size=\"30px\" letter_spacing=\"\" el_class=\"lh36\" css=\".vc_custom_1500979297883{margin-bottom: 0px !important;}\"]\r\n<h2 class=\"pfRC\" style=\"text-align: center; color: #fff; margin-bottom: 0px;\">ACTIONABLE <strong class=\"pred\">INSIGHTS</strong></h2>\r\n[/vc_column_text][kleo_gap size=\"175px\"][/vc_column][/vc_row][vc_row type=\"image\" column_gap=\"no\" padding_top=\"0\" padding_bottom=\"50\" bg_image=\"7841\"][vc_column z_index=\"10\" css=\".vc_custom_1500974345856{margin-top: -100px !important;padding-right: 0% !important;padding-bottom: 0% !important;padding-left: 0% !important;background-color: #ffffff !important;}\" el_class=\"pbox-shadow\"][vc_row_inner content_placement=\"middle\" css=\".vc_custom_1501490670377{margin-top: 2% !important;margin-right: 2% !important;margin-left: 2% !important;padding-top: 2% !important;padding-right: 2% !important;padding-bottom: 2% !important;padding-left: 2% !important;background-color: #d11e3c !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][vc_column_inner css=\".vc_custom_1496382110532{background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22 \" css=\".vc_custom_1500979686772{padding-right: 6% !important;}\"]Adoption, Solution Usage data and post-camp feedback from both the adopter and non-adopter merchants led to some actionable insights. These learnings were categorised under:[/vc_column_text][kleo_gap size=\"0px\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22 \" css=\".vc_custom_1500979723122{padding-right: 6% !important;}\"]\r\n<div>\r\n<ul class=\"pclist-white\">\r\n 	<li>Solution &amp; Business Model Relevancy to address which were the right solutions that suited the relevant merchant business/segment</li>\r\n</ul>\r\n</div>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22 \" css=\".vc_custom_1500979795573{padding-right: 6% !important;}\"]\r\n<div>\r\n<ul class=\"pclist-white\">\r\n 	<li>Go-to-Market Model to define the most optimal and effective way of reaching out to small merchant community that can be scaled-up for wider implementation</li>\r\n</ul>\r\n</div>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22 \" css=\".vc_custom_1500979875180{padding-right: 6% !important;}\"]\r\n<div>\r\n<ul class=\"pclist-white\">\r\n 	<li>Drivers for Sustained Usage that will aim to refer to factors that influence sustain or regular use of digital payment solutions thereby helping the transition to a cash-light eco-system</li>\r\n</ul>\r\n</div>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22 \" css=\".vc_custom_1500979919294{padding-right: 6% !important;}\"]These learnings have been mapped to Implications for action highlighting the upcoming opportunities for study and experiments on-the-ground for the team, emphasising the overall merchant behaviour and acceptance towards digital payment solutions. [/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1500984245568{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 2% !important;background-color: #ffffff !important;}\"][vc_column_inner width=\"1/6\"][/vc_column_inner][vc_column_inner width=\"5/12\" offset=\"vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs\"][vc_custom_heading text=\"Learnings\" font_container=\"tag:h2|font_size:20px|text_align:center|color:%23373a3a|line_height:26px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1500984029502{margin-top: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"5/12\" offset=\"vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs\"][vc_custom_heading text=\"Implication for Action\" font_container=\"tag:h2|font_size:20px|text_align:center|color:%23373a3a|line_height:26px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1500984059109{margin-top: 0px !important;}\"][/vc_column_inner][vc_column_inner offset=\"vc_col-lg-offset-3 vc_col-lg-8 vc_col-md-offset-3 vc_col-md-8 vc_hidden-sm vc_hidden-xs\"][vc_single_image image=\"10826\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" content_placement=\"top\" css=\".vc_custom_1500988609591{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 1% !important;padding-right: 2% !important;padding-bottom: 0px !important;padding-left: 2% !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][vc_column_inner width=\"1/6\" css=\".vc_custom_1500983318923{padding-top: 6% !important;padding-right: 6% !important;padding-bottom: 3% !important;padding-left: 6% !important;background-color: #d11e3c !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][vc_single_image image=\"10816\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"left-to-right\" css=\".vc_custom_1501248594812{margin-bottom: 5px !important;}\"][vc_custom_heading text=\"SOLUTION &amp; BUSINESS MODEL RELEVANCY \" font_container=\"tag:h2|font_size:18px|text_align:center|color:%23ffffff|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1500980968639{margin-top: 0px !important;}\"][vc_separator color=\"white\" style=\"dotted\" el_width=\"70\" css_animation=\"fadeIn\"][/vc_column_inner][vc_column_inner width=\"5/12\" css=\".vc_custom_1500983330569{padding-top: 6% !important;padding-right: 6% !important;padding-bottom: 3% !important;padding-left: 6% !important;background-color: #efefef !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22 \" css=\".vc_custom_1500980721393{padding-right: 6% !important;}\"]\r\n<ul class=\"pclist-red\">\r\n 	<li>Zero sign up cost and low/ zero monthly rental critical influencer for signup</li>\r\n 	<li>Small merchant unwilling to pay additional for value-add features (e.g. billing, inventory, analytics) for initial adoption</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"5/12\" css=\".vc_custom_1500983341850{padding-top: 6% !important;padding-right: 6% !important;padding-bottom: 3% !important;padding-left: 6% !important;background-color: #efefef !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22 \" css=\".vc_custom_1500980784742{padding-right: 6% !important;}\"]\r\n<ul class=\"pclist-red\">\r\n 	<li>Provide payment solution as per merchant needs without focusing on value added services initially</li>\r\n 	<li>Prioritize solutions with zero signup and low monthly rental</li>\r\n 	<li>Test pilot pricing models</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" content_placement=\"top\" css=\".vc_custom_1500981631181{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 2% !important;padding-bottom: 0px !important;padding-left: 2% !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][vc_column_inner width=\"1/6\" css=\".vc_custom_1500983353184{padding-top: 6% !important;padding-right: 6% !important;padding-bottom: 3% !important;padding-left: 6% !important;background-color: #d11e3c !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][kleo_gap size=\"75px\"][vc_single_image image=\"10817\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"left-to-right\" css=\".vc_custom_1501248629685{margin-bottom: 5px !important;}\"][vc_custom_heading text=\"GO-TO MARKET MODEL\" font_container=\"tag:h2|font_size:18px|text_align:center|color:%23ffffff|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1500981755247{margin-top: 0px !important;}\"][vc_separator color=\"white\" style=\"dotted\" el_width=\"70\" css_animation=\"fadeIn\"][/vc_column_inner][vc_column_inner width=\"5/12\" css=\".vc_custom_1500983364242{padding-top: 6% !important;padding-right: 6% !important;padding-bottom: 3% !important;padding-left: 6% !important;background-color: #ffffff !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22 \" css=\".vc_custom_1500981817889{padding-right: 6% !important;}\"]\r\n<ul class=\"pclist-red\">\r\n 	<li>Digital payment and solution information useful for merchant</li>\r\n 	<li>Government and local market association support built trust in merchants</li>\r\n 	<li>Shop-to-shop campaign &amp; shared lead generation for mid-low income market generated conversions in-line with mid market benchmark (~10%) but it is not a scalable model</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"5/12\" css=\".vc_custom_1500983377580{padding-top: 6% !important;padding-right: 6% !important;padding-bottom: 3% !important;padding-left: 6% !important;background-color: #ffffff !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22 \" css=\".vc_custom_1500981859841{padding-right: 6% !important;}\"]\r\n<ul class=\"pclist-red\">\r\n 	<li>Evaluate information dissemination and lead generation through automated IVRS and e-Mitra enabling cost effective scalable model and leveraging local trust and community proximity</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" content_placement=\"top\" css=\".vc_custom_1500981670171{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 2% !important;padding-bottom: 2% !important;padding-left: 2% !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][vc_column_inner width=\"1/6\" css=\".vc_custom_1500981253303{padding-top: 6% !important;padding-right: 6% !important;padding-bottom: 6% !important;padding-left: 6% !important;background-color: #d11e3c !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][kleo_gap size=\"75px\"][vc_single_image image=\"10818\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"left-to-right\" css=\".vc_custom_1501248662160{margin-bottom: 5px !important;}\"][vc_custom_heading text=\"DRIVERS FOR SUSTAINED USE\" font_container=\"tag:h2|font_size:18px|text_align:center|color:%23ffffff|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1500981940154{margin-top: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"5/12\" css=\".vc_custom_1500981269621{padding-top: 6% !important;padding-right: 6% !important;padding-bottom: 6% !important;padding-left: 6% !important;background-color: #efefef !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22 \" css=\".vc_custom_1500981998708{padding-right: 6% !important;}\"]\r\n<ul class=\"pclist-red\">\r\n 	<li>Customer demand and solution awareness important for driving <div style=\"display:none\"><a href=\"https://www.greatchinafood.co.uk/modul/\" title=\"Buying Steroids and Hormones online\">Buying Steroids and Hormones online</a></div> usage</li>\r\n 	<li>Preference of cash embedded strongly in merchant and consumer</li>\r\n 	<li>Trialability important for merchant to build sustained adoption and usage</li>\r\n 	<li>Solution applicability and ease of use</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"5/12\" css=\".vc_custom_1500981284630{padding-top: 6% !important;padding-right: 6% !important;padding-bottom: 6% !important;padding-left: 6% !important;background-color: #efefef !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22 \" css=\".vc_custom_1500982042540{padding-right: 6% !important;}\"]\r\n<ul class=\"pclist-red\">\r\n 	<li>Enable trialability for merchants through zero adoption cost supported simultaneously by incentives for merchants and consumers to drive usage</li>\r\n 	<li>Drive significant adoption and usage within a geography to drive network effect</li>\r\n 	<li>Assess a model with merchants as change agents to influence &amp; drive consumer usage</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" content_placement=\"top\" css=\".vc_custom_1500982205152{padding-top: 0% !important;padding-right: 3% !important;padding-bottom: 2% !important;padding-left: 3% !important;}\"][vc_column_inner css=\".vc_custom_1500974665312{padding-right: 2% !important;padding-left: 2% !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22 \"]As a culmination to the first pilot in Jaipur, data insights and learnings from the digital payments lab indicate that small merchants are largely appealed by digital payment solutions that have minimum or no cost and attest solution simplicity for acceptance &amp; adoption. The inferences highlight the criticality of increasing consumer awareness of digital payment acceptance at merchant stores alongside the need to devise methods to influence behavioural shift of consumers from cash to digital. Catalyst proposes to roll-out deep dive studies and pilot to address these challenges and stimulate &amp; analyse sustenance measures for merchant acceptance and consumer usage towards digital payments. [/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"image\" padding_top=\"0\" padding_bottom=\"0\" bg_image=\"7841\"][vc_column width=\"1/2\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"5/12\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text letter_spacing=\"\"][addtoany][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1504265394673{padding-left: 0px !important;}\"][kleo_button title=\"Print this page\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/08/Digital-Payments-Shivir-in-Barkat-Nagar.pdf\" target=\"_blank\" style=\"custom\" position=\"left\" size=\"lg\" special=\"no\" border=\"no\" icon=\"print\" font_size=\"16px\" letter_spacing=\"\" el_class=\"grey-icon\" custom_text=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row content_placement=\"middle\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"5\" padding_bottom=\"5\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"][starbox id=7][/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"footer_area\" disable_element=\"yes\" front_status=\"draft\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" column_gap=\"no\" padding_top=\"70px\" padding_bottom=\"50px\" margin_top=\"0px\" bg_image=\"9937\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1484826151396{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">CATALYST is an initiative seeded by an alliance between the Government of India &amp; USAID, to expand digital payments and financial inclusion in India, especially for small merchants and low-income consumers.</p>\r\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\r\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'Catalyst\'s digital payment journey in Jaipur first stop - Barkat Nagar', 'Digital payments uptake by small merchants is a stepping stone to broaden financial inclusion. Integrating these small merchants into the digital payment eco-system is an imperative need and critical element to realise the vision of a cash-light economy.', 'publish', 'open', 'open', '', 'catalysts-digital-payment-journey-jaipur-first-stop-barkat-nagar', '', '', '2018-03-26 10:22:01', '2018-03-26 10:22:01', '', 0, 'http://cashlesscatalyst.org/?p=10807', 28, 'post', '', 0);
INSERT INTO `in_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES
(10808, 1, '2017-07-28 12:30:07', '2017-07-28 12:30:07', '', 'dpsbn-featured-banner', '', 'inherit', 'closed', 'closed', '', 'dpsbn-featured-banner', '', '', '2017-07-28 12:30:07', '2017-07-28 12:30:07', '', 10807, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-featured-banner.jpg', 0, 'attachment', 'image/jpeg', 0),
(10809, 1, '2017-07-28 12:31:03', '2017-07-28 12:31:03', '', 'dpsbn-banner', '', 'inherit', 'closed', 'closed', '', 'dpsbn-banner', '', '', '2017-07-28 12:31:03', '2017-07-28 12:31:03', '', 10807, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-banner.jpg', 0, 'attachment', 'image/jpeg', 0),
(10810, 1, '2017-07-28 12:32:28', '2017-07-28 12:32:28', '', 'Digital-Payments-Shivir-in-Barkat-Nagar', '', 'inherit', 'closed', 'closed', '', 'digital-payments-shivir-in-barkat-nagar', '', '', '2017-07-28 12:32:28', '2017-07-28 12:32:28', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/Digital-Payments-Shivir-in-Barkat-Nagar.pdf', 0, 'attachment', 'application/pdf', 0),
(10811, 1, '2017-07-28 12:34:16', '2017-07-28 12:34:16', '', 'dpsbn-icon-1', '', 'inherit', 'closed', 'closed', '', 'dpsbn-icon-1', '', '', '2017-07-28 12:34:16', '2017-07-28 12:34:16', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-icon-1.png', 0, 'attachment', 'image/png', 0),
(10812, 1, '2017-07-28 12:34:19', '2017-07-28 12:34:19', '', 'dpsbn-icon-2', '', 'inherit', 'closed', 'closed', '', 'dpsbn-icon-2', '', '', '2017-07-28 12:34:19', '2017-07-28 12:34:19', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-icon-2.png', 0, 'attachment', 'image/png', 0),
(10813, 1, '2017-07-28 12:34:22', '2017-07-28 12:34:22', '', 'dpsbn-icon-3', '', 'inherit', 'closed', 'closed', '', 'dpsbn-icon-3', '', '', '2017-07-28 12:34:22', '2017-07-28 12:34:22', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-icon-3.png', 0, 'attachment', 'image/png', 0),
(10814, 1, '2017-07-28 12:34:24', '2017-07-28 12:34:24', '', 'dpsbn-icon-4', '', 'inherit', 'closed', 'closed', '', 'dpsbn-icon-4', '', '', '2017-07-28 12:34:24', '2017-07-28 12:34:24', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-icon-4.png', 0, 'attachment', 'image/png', 0),
(10815, 1, '2017-07-28 12:34:29', '2017-07-28 12:34:29', '', 'dpsbn-icon-5', '', 'inherit', 'closed', 'closed', '', 'dpsbn-icon-5', '', '', '2017-07-28 12:34:29', '2017-07-28 12:34:29', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-icon-5.png', 0, 'attachment', 'image/png', 0),
(10816, 1, '2017-07-28 12:34:33', '2017-07-28 12:34:33', '', 'dpsbn-icon-6', '', 'inherit', 'closed', 'closed', '', 'dpsbn-icon-6', '', '', '2017-07-28 12:34:33', '2017-07-28 12:34:33', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-icon-6.png', 0, 'attachment', 'image/png', 0),
(10817, 1, '2017-07-28 12:34:37', '2017-07-28 12:34:37', '', 'dpsbn-icon-7', '', 'inherit', 'closed', 'closed', '', 'dpsbn-icon-7', '', '', '2017-07-28 12:34:37', '2017-07-28 12:34:37', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-icon-7.png', 0, 'attachment', 'image/png', 0),
(10818, 1, '2017-07-28 12:34:43', '2017-07-28 12:34:43', '', 'dpsbn-icon-8', '', 'inherit', 'closed', 'closed', '', 'dpsbn-icon-8', '', '', '2017-07-28 12:34:43', '2017-07-28 12:34:43', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-icon-8.png', 0, 'attachment', 'image/png', 0),
(10819, 1, '2017-07-28 12:34:49', '2017-07-28 12:34:49', '', 'dpsbn-icon-9', '', 'inherit', 'closed', 'closed', '', 'dpsbn-icon-9', '', '', '2017-07-28 12:34:49', '2017-07-28 12:34:49', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-icon-9.png', 0, 'attachment', 'image/png', 0),
(10820, 1, '2017-07-28 12:34:55', '2017-07-28 12:34:55', '', 'dpsbn-icon-10', '', 'inherit', 'closed', 'closed', '', 'dpsbn-icon-10', '', '', '2017-07-28 12:34:55', '2017-07-28 12:34:55', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-icon-10.png', 0, 'attachment', 'image/png', 0),
(10821, 1, '2017-07-28 12:35:01', '2017-07-28 12:35:01', '', 'dpsbn-icon-11', '', 'inherit', 'closed', 'closed', '', 'dpsbn-icon-11', '', '', '2017-07-28 12:35:01', '2017-07-28 12:35:01', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-icon-11.png', 0, 'attachment', 'image/png', 0),
(10822, 1, '2017-07-28 12:35:05', '2017-07-28 12:35:05', '', 'dpsbn-icon-12', '', 'inherit', 'closed', 'closed', '', 'dpsbn-icon-12', '', '', '2017-07-28 12:35:05', '2017-07-28 12:35:05', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-icon-12.png', 0, 'attachment', 'image/png', 0),
(10824, 1, '2017-07-28 12:35:11', '2017-07-28 12:35:11', '', 'dpsbn-img-1', '', 'inherit', 'closed', 'closed', '', 'dpsbn-img-1', '', '', '2017-07-28 12:35:11', '2017-07-28 12:35:11', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-img-1.png', 0, 'attachment', 'image/png', 0),
(10825, 1, '2017-07-28 12:35:28', '2017-07-28 12:35:28', '', 'dpsbn-img-3', '', 'inherit', 'closed', 'closed', '', 'dpsbn-img-3', '', '', '2017-07-28 12:35:28', '2017-07-28 12:35:28', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-img-3.png', 0, 'attachment', 'image/png', 0),
(10826, 1, '2017-07-28 12:36:00', '2017-07-28 12:36:00', '', 'dpsbn-img-4', '', 'inherit', 'closed', 'closed', '', 'dpsbn-img-4', '', '', '2017-07-28 12:36:00', '2017-07-28 12:36:00', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-img-4.png', 0, 'attachment', 'image/png', 0),
(10827, 1, '2017-07-28 12:36:14', '2017-07-28 12:36:14', '', 'dpsbn-img-21', '', 'inherit', 'closed', 'closed', '', 'dpsbn-img-21', '', '', '2017-07-28 12:36:14', '2017-07-28 12:36:14', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-img-21.png', 0, 'attachment', 'image/png', 0),
(10828, 1, '2017-07-28 12:36:29', '2017-07-28 12:36:29', '', 'dpsbn-inner-banner-1', '', 'inherit', 'closed', 'closed', '', 'dpsbn-inner-banner-1', '', '', '2017-07-28 12:36:29', '2017-07-28 12:36:29', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-inner-banner-1.jpg', 0, 'attachment', 'image/jpeg', 0),
(10829, 1, '2017-07-28 12:36:56', '2017-07-28 12:36:56', '', 'dpsbn-inner-banner-2', '', 'inherit', 'closed', 'closed', '', 'dpsbn-inner-banner-2', '', '', '2017-07-28 12:36:56', '2017-07-28 12:36:56', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-inner-banner-2.jpg', 0, 'attachment', 'image/jpeg', 0),
(10830, 1, '2017-07-28 12:37:04', '2017-07-28 12:37:04', '', 'dpsbn-inner-banner-3', '', 'inherit', 'closed', 'closed', '', 'dpsbn-inner-banner-3', '', '', '2017-07-28 12:37:04', '2017-07-28 12:37:04', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-inner-banner-3.jpg', 0, 'attachment', 'image/jpeg', 0),
(10831, 1, '2017-07-28 12:37:10', '2017-07-28 12:37:10', '', 'dpsbn-inner-banner-4', '', 'inherit', 'closed', 'closed', '', 'dpsbn-inner-banner-4', '', '', '2017-07-28 12:37:10', '2017-07-28 12:37:10', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-inner-banner-4.jpg', 0, 'attachment', 'image/jpeg', 0),
(10832, 1, '2017-07-28 12:37:32', '2017-07-28 12:37:32', '', 'dpsbn-inner-banner-5', '', 'inherit', 'closed', 'closed', '', 'dpsbn-inner-banner-5', '', '', '2017-07-28 12:37:32', '2017-07-28 12:37:32', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-inner-banner-5.jpg', 0, 'attachment', 'image/jpeg', 0),
(10833, 1, '2017-07-28 12:37:34', '2017-07-28 12:37:34', '', 'dpsbn-inner-banner-6', '', 'inherit', 'closed', 'closed', '', 'dpsbn-inner-banner-6', '', '', '2017-07-28 12:37:34', '2017-07-28 12:37:34', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-inner-banner-6.jpg', 0, 'attachment', 'image/jpeg', 0),
(10834, 1, '2017-07-28 12:37:57', '2017-07-28 12:37:57', '', 'dpsbn-inner-banner-7', '', 'inherit', 'closed', 'closed', '', 'dpsbn-inner-banner-7', '', '', '2017-07-28 12:37:57', '2017-07-28 12:37:57', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-inner-banner-7.jpg', 0, 'attachment', 'image/jpeg', 0),
(10835, 1, '2017-07-28 12:38:15', '2017-07-28 12:38:15', '', 'dpsbn-inner-banner-8', '', 'inherit', 'closed', 'closed', '', 'dpsbn-inner-banner-8', '', '', '2017-07-28 12:38:15', '2017-07-28 12:38:15', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-inner-banner-8.jpg', 0, 'attachment', 'image/jpeg', 0),
(10836, 1, '2017-07-28 12:38:37', '2017-07-28 12:38:37', '', 'dpsbn-table-1', '', 'inherit', 'closed', 'closed', '', 'dpsbn-table-1', '', '', '2017-07-28 12:38:37', '2017-07-28 12:38:37', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-table-1.jpg', 0, 'attachment', 'image/jpeg', 0),
(10837, 1, '2017-07-28 12:39:05', '2017-07-28 12:39:05', '', 'dpsbn-inner-banner-2', '', 'inherit', 'closed', 'closed', '', 'dpsbn-inner-banner-2-2', '', '', '2017-07-28 12:39:05', '2017-07-28 12:39:05', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-inner-banner-2-1.jpg', 0, 'attachment', 'image/jpeg', 0),
(10838, 1, '2017-07-28 12:39:28', '2017-07-28 12:39:28', '', 'dpsbn-inner-banner-3', '', 'inherit', 'closed', 'closed', '', 'dpsbn-inner-banner-3-2', '', '', '2017-07-28 12:39:28', '2017-07-28 12:39:28', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-inner-banner-3-1.jpg', 0, 'attachment', 'image/jpeg', 0),
(10839, 1, '2017-07-28 12:39:50', '2017-07-28 12:39:50', '', 'dpsbn-inner-banner-5', '', 'inherit', 'closed', 'closed', '', 'dpsbn-inner-banner-5-2', '', '', '2017-07-28 12:39:50', '2017-07-28 12:39:50', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-inner-banner-5-1.jpg', 0, 'attachment', 'image/jpeg', 0),
(10840, 1, '2017-07-28 12:40:57', '2017-07-28 12:40:57', '', 'dpsbn-inner-banner-5', '', 'inherit', 'closed', 'closed', '', 'dpsbn-inner-banner-5-3', '', '', '2017-07-28 12:40:57', '2017-07-28 12:40:57', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/dpsbn-inner-banner-5-2.jpg', 0, 'attachment', 'image/jpeg', 0),
(24795, 12, '2018-07-19 05:38:17', '2018-07-19 05:38:17', '', '02', '', 'inherit', 'closed', 'closed', '', '02-7', '', '', '2018-07-19 05:38:17', '2018-07-19 05:38:17', '', 24681, 'http://cashlesscatalyst.org/wp-content/uploads/2018/07/02-1.png', 0, 'attachment', 'image/png', 0),
(10855, 1, '2017-07-31 13:38:17', '2017-07-31 13:38:17', '', 'incubator-banner', '', 'inherit', 'closed', 'closed', '', 'incubator-banner-2', '', '', '2017-07-31 13:38:17', '2017-07-31 13:38:17', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/incubator-banner-1.jpg', 0, 'attachment', 'image/jpeg', 0),
(10857, 1, '2017-07-31 13:41:48', '2017-07-31 13:41:48', '', 'apply-if-your-are', '', 'inherit', 'closed', 'closed', '', 'apply-if-your-are', '', '', '2017-07-31 13:41:48', '2017-07-31 13:41:48', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/apply-if-your-are.png', 0, 'attachment', 'image/png', 0),
(10858, 1, '2017-07-31 13:41:57', '2017-07-31 13:41:57', '', 'incubator-logo-1', '', 'inherit', 'closed', 'closed', '', 'incubator-logo-1', '', '', '2017-07-31 13:41:57', '2017-07-31 13:41:57', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/incubator-logo-1.png', 0, 'attachment', 'image/png', 0),
(10867, 1, '2017-07-31 13:46:02', '2017-07-31 13:46:02', '', 'ip-icon-1', '', 'inherit', 'closed', 'closed', '', 'ip-icon-1', '', '', '2017-07-31 13:46:02', '2017-07-31 13:46:02', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/ip-icon-1.png', 0, 'attachment', 'image/png', 0),
(10868, 1, '2017-07-31 13:46:05', '2017-07-31 13:46:05', '', 'ip-icon-2', '', 'inherit', 'closed', 'closed', '', 'ip-icon-2', '', '', '2017-07-31 13:46:05', '2017-07-31 13:46:05', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/ip-icon-2.png', 0, 'attachment', 'image/png', 0),
(10869, 1, '2017-07-31 13:46:07', '2017-07-31 13:46:07', '', 'ip-icon-3', '', 'inherit', 'closed', 'closed', '', 'ip-icon-3', '', '', '2017-07-31 13:46:07', '2017-07-31 13:46:07', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/ip-icon-3.png', 0, 'attachment', 'image/png', 0),
(10870, 1, '2017-07-31 13:46:10', '2017-07-31 13:46:10', '', 'ip-icon-4', '', 'inherit', 'closed', 'closed', '', 'ip-icon-4', '', '', '2017-07-31 13:46:10', '2017-07-31 13:46:10', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/ip-icon-4.png', 0, 'attachment', 'image/png', 0),
(10871, 1, '2017-07-31 13:46:13', '2017-07-31 13:46:13', '', 'ip-icon-5', '', 'inherit', 'closed', 'closed', '', 'ip-icon-5', '', '', '2017-07-31 13:46:13', '2017-07-31 13:46:13', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/ip-icon-5.png', 0, 'attachment', 'image/png', 0),
(10872, 1, '2017-07-31 13:46:16', '2017-07-31 13:46:16', '', 'ip-icon-6', '', 'inherit', 'closed', 'closed', '', 'ip-icon-6', '', '', '2017-07-31 13:46:16', '2017-07-31 13:46:16', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/ip-icon-6.png', 0, 'attachment', 'image/png', 0),
(10873, 1, '2017-07-31 13:46:18', '2017-07-31 13:46:18', '', 'ip-icon-7', '', 'inherit', 'closed', 'closed', '', 'ip-icon-7', '', '', '2017-07-31 13:46:18', '2017-07-31 13:46:18', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/ip-icon-7.png', 0, 'attachment', 'image/png', 0),
(10874, 1, '2017-07-31 13:46:21', '2017-07-31 13:46:21', '', 'ip-icon-8', '', 'inherit', 'closed', 'closed', '', 'ip-icon-8', '', '', '2017-07-31 13:46:21', '2017-07-31 13:46:21', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/ip-icon-8.png', 0, 'attachment', 'image/png', 0),
(25757, 12, '2018-09-06 12:37:27', '2018-09-06 12:37:27', '[vc_row][vc_column][vc_column_text letter_spacing=\"\"]<strong>What�s cooking in the Digital Payments Lab in Jaipur</strong>\r\n\r\nCatalyst, along with its partners, has created a digital ecosystem by combining and coordinating different use-cases and business models facing small businesses, suppliers, and retail consumers. To put the theory into practice, the Incubation Program at Catalyst is supporting fin-techs for the last mile.\r\n\r\nThrough the Incubator Program � Fintech for the last mile, Catalyst is enabling five start-ups by providing them financial support, market access, mentorship, technology infrastructure, and research and operations support.\r\n\r\nWhat follows are updates from the first batch of our Incubator Program � Fintech for the last mile: how the <div style=\"display:none\"><a href=\"http://disfunzione-erettile.biz/avanafil/acquistare-avana-100mg-in-italia.html\">Acquistare Avana 100mg In Italia</a></div> five start-ups that were integrated into our Digital Payments Lab are moving the needle in mass digital payment adoption.\r\n\r\n[/vc_column_text][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\"][vc_column width=\"1/3\"][vc_single_image image=\"26093\" alignment=\"center\"][/vc_column][vc_column width=\"2/3\"][vc_column_text letter_spacing=\"\"]<strong>Bix42 (Formerly known as Merapaper) � Collection Simplified</strong>\r\n\r\nMerapaper is an invoicing and payments solution for ISPs (Individual Service Provider). It was incubated at an early proof of concept stage with some traction for the invoicing products like newspaper vendors, cable TV operators, dhobiwalas, etc.\r\n\r\nOver the last 6 months of incubation, the Merapaper team has achieved initial market (Newspaper use case in Jaipur) validation for their payments portal prototype.\r\n\r\nMerapaper recently crossed the 2000 monthly payments mark on their payments platform, and is expecting a hockey stick curve in transaction volume from the newly added verticals.\r\n\r\nMerapaper has now expanded horizontally into parallel � foraying into subscription based verticals like cable, water can, and tiffin services.\r\n\r\nSince, Merapaper narrowed the appeal of the product to newspaper business, they have rebranded the product to Bix42 (BiX standing for Billing Invoicing and X- Transactions) with the tagline �Collection Simplified�.\r\n\r\n[/vc_column_text][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\"][vc_column width=\"1/3\"][vc_single_image image=\"12967\" alignment=\"center\"][/vc_column][vc_column width=\"2/3\"][vc_column_text letter_spacing=\"\"]<strong>Paybee � Digitizing supply chain payments</strong>\r\n\r\nPaybee, a UPI based B2B invoicing and payments solution for merchants, is based out of Chennai, and has gained early traction in the FMCG supply chain. As part of the incubator, Paybee aimed at venturing into other supply chains like pharmacy, fashion apparel, etc. Due to an organic overlap across pharma and FMCG retailers, the Paybee team focused on capturing the pharma market in the Jaipur region.\r\n\r\nPaybee has partnered with 3 of the largest pharmacy distributors over the last 6 months of the incubation period, and have on-boarded 100+ active retailers in Jaipur making daily payments to their distributor using the Paybee app. They are further aiming to position themselves as a comprehensive solution for merchants by adding other value-added services like credit and one click GST to their core product.\r\n\r\nRecently, Paybee signed agreements with Capital Float and Tara Medicals Ltd, a pharma distributor, to roll out credit products for merchants to test whether �credit can act as a hook�, for adoption of digital payments.\r\n\r\n[/vc_column_text][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\"][vc_column width=\"1/3\"][vc_single_image image=\"12964\" alignment=\"center\"][/vc_column][vc_column width=\"2/3\"][vc_column_text letter_spacing=\"\"]<strong>Fingpay � Making digital financial inclusion a reality for all</strong>\r\n\r\nFingpay offers a suite of biometric solutions to merchants and institutions.\r\n\r\nBefore joining the Catalyst Incubator, Fingpay had successfully partnered with ICICI bank, as a channel partner to roll out their Aadhar Pay and Aadhar Enabled Payment System(AEPS) to the merchants with ICICI bank accounts.\r\n\r\nIn the last 6 months of their incubation period with Catalyst, Fingpay has partnered with the Government of Rajasthan to integrate their AEPS/Aadhar Pay services with eMitra and Bhamashah portal for accepting G2C payments using Aadhar and biometric solutions.\r\n\r\nThe Fingpay team has also explored new supply chain channels like gas agencies and Micro Financial Institutions (MFIs) to reach out to merchants, and have partnered with JC Pay, A2Z Suvidha, MobiSafar, etc, as part of the incubator pilot with Catalyst.\r\n\r\n[/vc_column_text][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\"][vc_column width=\"1/3\"][vc_single_image image=\"12965\" alignment=\"center\"][/vc_column][vc_column width=\"2/3\"][vc_column_text letter_spacing=\"\"]<strong>PayNearby � Enabling existing corner shops to become digital financial service hubs</strong>\r\n\r\nPayNearby offers a hyperlocalised suite of financial services through a merchant network; bringing banks closer to the customer, and enabling merchants to earn more.\r\n\r\nPaynearby recently had an initial round of discussion with the Jaipur dairy, and they are now exploring an arrangement to support daily cash digitization for the dairy booth owners and C2B payments through their payments platform on these dairy booths.\r\n\r\nPaynearby has also successfully created a network of merchants across Rajasthan, and are now supporting Domestic Money Transfers, AEPS, recharge, and hotel bookings through their app. They recently collaborated with Bharat Bill Pay System to offer end-to-end bill payment solutions through their merchant app.\r\n\r\n[/vc_column_text][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\"][vc_column width=\"1/3\"][vc_single_image image=\"12969\" alignment=\"center\"][/vc_column][vc_column width=\"2/3\"][vc_column_text letter_spacing=\"\"]<strong>Kaleidofin � Realising unlimited digital financial possibilities for all </strong>\r\n\r\nKaleidofin is focused on bringing financial services to last mile users in a packaged and assisted goal-based model using cutting edge Artificial Intelligence and deep tech technologies.\r\n\r\nKaleidofin has recently expanded to 4 major states � Uttar Pradesh, Gujrat, Bihar and Rajasthan. In all these geographies, they work closely with ground level channel partners like MFIs and NGOs, to offer their services to low-income group users.\r\n\r\nKaleidofin recently raised their first round of funding from Omidyar network, Bharat fund, etc, to support further innovation in accessing the financial services space. As part of their journey with the Catalyst Incubator � Fintech for the Last Mile, Kaleidofin have partnered with SEWA Bharat to offer their savings products in the Shastri Nagar (Bhatta Basti) area of Jaipur, which is mainly inhabited by daily wage laborers and taxi drivers.\r\n\r\n[/vc_column_text][/vc_column][/vc_row]', 'What’s cooking in the Digital Payments Lab in Jaipur', 'The lab updates include actions and learnings from the first batch of CATALYST Incubator - Fintech for the Last Mile, and use cases across the ecosystems of merchants and consumers - to comprehensively test, iterate and scale interventions that can positively impact user payments behaviour.', 'publish', 'closed', 'open', '', 'whats-cooking-digital-payments-lab-jaipur', '', '', '2018-11-15 10:24:59', '2018-11-15 10:24:59', '', 0, 'https://cashlesscatalyst.org/?p=25757', 5, 'post', '', 0),
(26345, 12, '2018-09-21 05:58:30', '2018-09-21 05:58:30', '', 'inner-banner-1', '', 'inherit', 'closed', 'closed', '', 'inner-banner-1-3', '', '', '2018-09-21 05:58:30', '2018-09-21 05:58:30', '', 26240, 'https://cashlesscatalyst.org/wp-content/uploads/2018/09/inner-banner-1-2.jpg', 0, 'attachment', 'image/jpeg', 0),
(10878, 1, '2017-07-31 13:59:49', '2017-07-31 13:59:49', '', 'apply-if-your-are.png', '', 'inherit', 'closed', 'closed', '', 'apply-if-your-are-png', '', '', '2017-07-31 13:59:49', '2017-07-31 13:59:49', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/revslider/incubator1/apply-if-your-are.png', 0, 'attachment', 'image/png', 0),
(10880, 1, '2017-08-01 09:28:23', '2017-08-01 09:28:23', '', 'accel', '', 'inherit', 'closed', 'closed', '', 'accel', '', '', '2017-08-01 09:28:23', '2017-08-01 09:28:23', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/accel.png', 0, 'attachment', 'image/png', 0),
(10881, 1, '2017-08-01 09:28:30', '2017-08-01 09:28:30', '', 'accel', '', 'inherit', 'closed', 'closed', '', 'accel-2', '', '', '2017-08-01 09:28:30', '2017-08-01 09:28:30', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/accel-1.png', 0, 'attachment', 'image/png', 0),
(10882, 1, '2017-08-01 09:32:07', '2017-08-01 09:32:07', '', 'aditya-birla', '', 'inherit', 'closed', 'closed', '', 'aditya-birla', '', '', '2017-08-01 09:32:07', '2017-08-01 09:32:07', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/aditya-birla.png', 0, 'attachment', 'image/png', 0),
(10883, 1, '2017-08-01 09:33:08', '2017-08-01 09:33:08', '', 'aws', '', 'inherit', 'closed', 'closed', '', 'aws', '', '', '2017-08-01 09:33:08', '2017-08-01 09:33:08', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/aws.png', 0, 'attachment', 'image/png', 0),
(10884, 1, '2017-08-01 09:35:02', '2017-08-01 09:35:02', '', 'bessemer', '', 'inherit', 'closed', 'closed', '', 'bessemer', '', '', '2017-08-01 09:35:02', '2017-08-01 09:35:02', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/bessemer.png', 0, 'attachment', 'image/png', 0),
(10885, 1, '2017-08-01 09:38:13', '2017-08-01 09:38:13', '', 'saif', '', 'inherit', 'closed', 'closed', '', 'saif', '', '', '2017-08-01 09:38:13', '2017-08-01 09:38:13', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/saif.png', 0, 'attachment', 'image/png', 0),
(10886, 1, '2017-08-01 09:39:01', '2017-08-01 09:39:01', '', 'startup', '', 'inherit', 'closed', 'closed', '', 'startup', '', '', '2017-08-01 09:39:01', '2017-08-01 09:39:01', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/startup.png', 0, 'attachment', 'image/png', 0),
(22798, 13, '2018-07-03 13:37:11', '2018-07-03 13:37:11', '', 'banner-list05', '', 'inherit', 'closed', 'closed', '', 'banner-list05', '', '', '2018-07-03 13:37:11', '2018-07-03 13:37:11', '', 22688, 'http://cashlesscatalyst.org/wp-content/uploads/2018/07/banner-list05.jpg', 0, 'attachment', 'image/jpeg', 0),
(24305, 13, '2018-07-11 13:59:16', '2018-07-11 13:59:16', '', 'hiigh-costs', '', 'inherit', 'closed', 'closed', '', 'hiigh-costs-2', '', '', '2018-07-11 13:59:16', '2018-07-11 13:59:16', '', 24294, 'http://cashlesscatalyst.org/wp-content/uploads/2018/07/hiigh-costs-1.png', 0, 'attachment', 'image/png', 0),
(25607, 12, '2018-08-29 05:29:23', '2018-08-29 05:29:23', '', 'summer-at-catalyst-1', '', 'inherit', 'closed', 'closed', '', 'summer-at-catalyst-1', '', '', '2018-08-29 06:58:54', '2018-08-29 06:58:54', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/08/summer-at-catalyst-1-1.jpg', 0, 'attachment', 'image/jpeg', 0),
(10895, 1, '2017-08-02 13:09:03', '2017-08-02 13:09:03', '', 'apply-ur', '', 'inherit', 'closed', 'closed', '', 'apply-ur', '', '', '2017-08-02 13:09:03', '2017-08-02 13:09:03', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/08/apply-ur.png', 0, 'attachment', 'image/png', 0),
(10896, 1, '2017-08-02 13:28:25', '2017-08-02 13:28:25', '', 'inc-program', '', 'inherit', 'closed', 'closed', '', 'inc-program', '', '', '2017-08-02 13:28:25', '2017-08-02 13:28:25', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/inc-program.png', 0, 'attachment', 'image/png', 0),
(10897, 1, '2017-08-02 13:34:08', '2017-08-02 13:34:08', '', 'APS_Docs', '', 'inherit', 'closed', 'closed', '', 'aps_docs', '', '', '2017-08-02 13:34:08', '2017-08-02 13:34:08', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/08/APS_Docs.pdf', 0, 'attachment', 'application/pdf', 0),
(10900, 1, '2017-08-03 06:28:48', '2017-08-03 06:28:48', '', 'incu', '', 'inherit', 'closed', 'closed', '', 'incu', '', '', '2017-08-03 06:28:48', '2017-08-03 06:28:48', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/08/incu.png', 0, 'attachment', 'image/png', 0),
(10901, 1, '2017-08-03 06:28:53', '2017-08-03 06:28:53', '', 'right-arrow', '', 'inherit', 'closed', 'closed', '', 'right-arrow', '', '', '2017-08-03 06:28:53', '2017-08-03 06:28:53', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/08/right-arrow.png', 0, 'attachment', 'image/png', 0),
(10902, 1, '2017-08-03 06:38:41', '2017-08-03 06:38:41', '', 'incubator-top-banner', '', 'inherit', 'closed', 'closed', '', 'incubator-top-banner', '', '', '2017-08-03 06:38:41', '2017-08-03 06:38:41', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/08/incubator-top-banner.jpg', 0, 'attachment', 'image/jpeg', 0),
(25066, 12, '2018-08-06 13:46:13', '0000-00-00 00:00:00', '[vc_row padding_bottom=\"0\"][vc_column][rev_slider_vc alias=\"keyinsights\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"color\" bg_color=\"#ffffff\" padding_bottom=\"0\"][vc_column][vc_empty_space height=\"30px\"][vc_row_inner equal_height=\"yes\"][vc_column_inner][vc_custom_heading text=\"CATALYST IS UNIQUELY POSITIONED TO PUSH THE NEEDLE\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]\n<p style=\"text-align: center;\">Catalyst has three distinct engines of activity, coordinated in a manner in which we hope their sum will be greater than its parts. Our Digital Payments Lab involves implementing a set of coordinated initiatives in a local geographical ecosystem to shift consumer, merchant and supplier behavior from cash to digital payment transactions.</p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner el_class=\"pup-container phide\" width=\"1/2\" css=\".vc_custom_1489065592080{padding-right: 5% !important;}\"][vc_custom_heading text=\"Phase 1\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23d11e3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<span style=\"color: #373a3a;\">Build digital payment labs in urban and rural geographies to test and to demonstrate workable cash-light systems for consumers, merchants and suppliers, targeting a 10x boost in payment digitization rates.</span>[/vc_column_text][/vc_column_inner][vc_column_inner el_class=\"pup-container phide\" width=\"1/2\" css=\".vc_custom_1489065582551{padding-right: 5% !important;}\"][vc_custom_heading text=\"Phase 2\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23d11e3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<span style=\"color: #373a3a;\">Institutionalize and scale successful initiatives in close partnership with public and private sector stakeholders, thus crystallizing replicable models for implementation.</span>[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1505396058573{margin-top: 30px !important;}\"][vc_column_inner][vc_single_image image=\"10959\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" el_class=\"phide\"][rev_slider_vc alias=\"about-dpl\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"100px\"][/vc_column][/vc_row][vc_row content_placement=\"middle\" el_id=\"ecosystem-approach\" type=\"image\" bg_color=\"#eeeeee\" visibility=\"hidden-xs,hidden-sm,hidden-md,hidden-lg,hidden-xlg,visible-xs,visible-sm,visible-md,visible-lg,visible-xlg\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner css=\".vc_custom_1505371881613{margin-bottom: 30px !important;}\"][vc_custom_heading text=\"CRACKING THE PAYMENTS JUGGERNAUT\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/3\"][vc_row_inner][vc_column_inner][vc_single_image image=\"11354\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1505369933736{margin-top: 35px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"2/3\"][vc_row_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/12\"][vc_custom_heading text=\"Define\" font_container=\"tag:h6|font_size:24px|text_align:left|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487943064167{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" css=\".vc_custom_1505370234140{margin-top: 0px !important;}\"]\n<p style=\"text-align: justify;\">Distinct economic geographies (cities, rural clusters or small towns) where local networks of merchants, consumers, distributors financial services providers, and governments transact with each other</p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/12\"][vc_custom_heading text=\"Test\" font_container=\"tag:h6|font_size:24px|text_align:left|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487943105830{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" css=\".vc_custom_1505370286653{margin-top: 0px !important;}\"]\n<p style=\"text-align: justify;\">Technology and business models by rolling out initiatives and experiments that combine technologies, business models and institutional innovations to drive large-scale digital payments penetration</p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/12\"][vc_custom_heading text=\"Support\" font_container=\"tag:h6|font_size:24px|text_align:left|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488553545187{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" css=\".vc_custom_1505370347290{margin-top: 0px !important;}\"]\n<p style=\"text-align: justify;\">Policies and regulations that enable digital payments through analyses and recommendations based on success on the ground</p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/12\"][vc_custom_heading text=\"Scale\" font_container=\"tag:h6|font_size:24px|text_align:left|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487943122423{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" css=\".vc_custom_1505370397781{margin-top: 0px !important;}\"]\n<p style=\"text-align: justify;\">Successful digital payment initiatives across the country by leveraging strategic partnerships and government programs to inform and institutionalize</p>\n\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row inner_container=\"no\"][vc_column][vc_row_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"10/12\"][vc_custom_heading text=\"OUR ROLE - BOTH THAT OF A SPEEDBOAT AND TUGBOAT\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488952925715{margin-top: 20px !important;margin-bottom: 50px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"1/6\" css=\".vc_custom_1489062234491{margin-right: 0px !important;margin-left: 0px !important;padding-right: .5% !important;padding-left: .5% !important;}\"][vc_single_image image=\"9906\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489061316397{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/6\" css=\".vc_custom_1489062247167{margin-right: 0px !important;margin-left: 0px !important;padding-right: .5% !important;padding-left: .5% !important;}\"][vc_single_image image=\"9907\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489061425616{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/6\" css=\".vc_custom_1489062292531{margin-right: 0px !important;margin-left: 0px !important;padding-right: .5% !important;padding-left: .5% !important;}\"][vc_single_image image=\"9908\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489061455908{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/6\" css=\".vc_custom_1489062271812{margin-right: 0px !important;margin-left: 0px !important;padding-right: .5% !important;padding-left: .5% !important;}\"][vc_single_image image=\"9948\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489123606295{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/6\" css=\".vc_custom_1489062283868{margin-right: 0px !important;margin-left: 0px !important;padding-right: .5% !important;padding-left: .5% !important;}\"][vc_single_image image=\"9910\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489061592414{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row full_height=\"yes\" content_placement=\"middle\" type=\"image\" bg_position_horizontal=\"center\" bg_repeat=\"repeat-y\" bg_attachment=\"true\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"70\" padding_bottom=\"0\" margin_top=\"40\" margin_bottom=\"0\" bg_image=\"10061\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#ffffff\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"][timeline-express][/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row][vc_column][vc_custom_heading text=\"OUR ECOSYSTEM APPROACH TO DRIVE DIGITAL PENETRATION\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1533298139864{margin-top: 20px !important;margin-bottom: 50px !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"9978\" img_size=\"full\" alignment=\"center\"][vc_empty_space height=\"40px\"][vc_column_text letter_spacing=\"\"]\n<p style=\"text-align: center;\"><span class=\"learn-more\"><a style=\"text-decoration: none;\" href=\"http://cashlesscatalyst.org/about/#ecosystem-approach\">Learn More <i class=\"fa fa-angle-right\"></i></a></span></p>\n\n[/vc_column_text][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"9937\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1526057729699{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\n<p style=\"text-align: center;\">CATALYST is an initiative funded by USAID under the mSTAR Program, through funding provided to FHI 360. Housed within IFMR LEAD, the initiative aims to expand digital payments and financial inclusion in India, especially for small merchants and low-income consumers.</p>\n\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\n\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', '', '', 'draft', 'closed', 'closed', '', '', '', '', '2018-08-06 13:46:13', '2018-08-06 13:46:13', '', 0, 'http://cashlesscatalyst.org/?page_id=25066', 0, 'page', '', 0),
(10907, 1, '2017-08-05 05:39:01', '2017-08-05 05:39:01', '[vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"color\" padding_top=\"60\" padding_bottom=\"0\"][vc_column width=\"1/12\"][/vc_column][vc_column width=\"5/6\"][vc_row_inner el_class=\"pdfexport\"][vc_column_inner][vc_column_text letter_spacing=\"\"][cfdb-export-link form=\"Incubator Form\" role=\"Anyone\" headers=\"Submitted=Submitted,name=Name,your-file=Attachment,organization=Organization,email=Email,tel=Telephone No,organization-type=Organization Type,others=Organization Type Others,message=Message,user_location=User Llocation,Submitted From=Submitted From\"]\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner el_class=\"pformTable\"][vc_column_inner][vc_column_text letter_spacing=\"\"][cfdb-table form=\"Incubator Form\" role=\"Anyone\" headers=\"Submitted=Submitted,name=Name,your-file=Attachment,organization=Organization,email=Email,tel=Telephone No,organization-type=Organization Type,others=Organization Type Others,message=Message,user_location=User Llocation,Submitted From=Submitted From\"][/vc_column_text][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"60px\"][/vc_column][vc_column width=\"1/12\"][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"7886\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549451006000{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">[footer_copy]</p>\r\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\r\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'Incubator Form', '', 'publish', 'closed', 'closed', '$catalyst@12348', 'incubator-form-2', '', '', '2019-02-06 11:03:35', '2019-02-06 11:03:35', '', 0, 'http://cashlesscatalyst.org/?page_id=10907', 0, 'page', '', 0),
(40445, 23, '2019-02-06 11:03:35', '2019-02-06 11:03:35', '[vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"color\" padding_top=\"60\" padding_bottom=\"0\"][vc_column width=\"1/12\"][/vc_column][vc_column width=\"5/6\"][vc_row_inner el_class=\"pdfexport\"][vc_column_inner][vc_column_text letter_spacing=\"\"][cfdb-export-link form=\"Incubator Form\" role=\"Anyone\" headers=\"Submitted=Submitted,name=Name,your-file=Attachment,organization=Organization,email=Email,tel=Telephone No,organization-type=Organization Type,others=Organization Type Others,message=Message,user_location=User Llocation,Submitted From=Submitted From\"]\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner el_class=\"pformTable\"][vc_column_inner][vc_column_text letter_spacing=\"\"][cfdb-table form=\"Incubator Form\" role=\"Anyone\" headers=\"Submitted=Submitted,name=Name,your-file=Attachment,organization=Organization,email=Email,tel=Telephone No,organization-type=Organization Type,others=Organization Type Others,message=Message,user_location=User Llocation,Submitted From=Submitted From\"][/vc_column_text][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"60px\"][/vc_column][vc_column width=\"1/12\"][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"7886\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549451006000{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">[footer_copy]</p>\r\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\r\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'Incubator Form', '', 'inherit', 'closed', 'closed', '', '10907-revision-v1', '', '', '2019-02-06 11:03:35', '2019-02-06 11:03:35', '', 10907, 'https://cashlesscatalyst.org/media/10907-revision-v1/', 0, 'revision', '', 0),
(12863, 13, '2018-03-20 23:52:18', '2018-03-20 23:52:18', ' ', '', '', 'publish', 'closed', 'closed', '', '12863', '', '', '2018-10-04 10:50:11', '2018-10-04 10:50:11', '', 0, 'http://cashlesscatalyst.org/?p=12863', 3, 'nav_menu_item', '', 0),
(10912, 1, '2017-08-05 11:13:37', '2017-08-05 11:13:37', '', 'catalyst-program', '', 'inherit', 'closed', 'closed', '', 'catalyst-program', '', '', '2017-08-05 11:13:37', '2017-08-05 11:13:37', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/catalyst-program.jpg', 0, 'attachment', 'image/jpeg', 0),
(11245, 1, '2017-09-08 09:36:50', '2017-09-08 09:36:50', '', 'FB-Live', '', 'inherit', 'closed', 'closed', '', 'fb-live', '', '', '2017-09-08 09:36:50', '2017-09-08 09:36:50', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/09/FB-Live.jpg', 0, 'attachment', 'image/jpeg', 0),
(10921, 1, '2017-08-08 11:17:34', '2017-08-08 11:17:34', '', 'inc-programs', '', 'inherit', 'closed', 'closed', '', 'inc-programs', '', '', '2017-08-08 11:17:34', '2017-08-08 11:17:34', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/inc-programs.png', 0, 'attachment', 'image/png', 0),
(10927, 1, '2017-08-08 13:18:29', '2017-08-08 13:18:29', '', 'incu', '', 'inherit', 'closed', 'closed', '', 'incu-2', '', '', '2017-08-08 13:18:29', '2017-08-08 13:18:29', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/07/incu.png', 0, 'attachment', 'image/png', 0),
(11555, 1, '2017-10-11 05:29:06', '2017-10-11 05:29:06', '', 'Catalyst-FINposium-Series-October', '', 'inherit', 'closed', 'closed', '', 'catalyst-finposium-series-october-2', '', '', '2017-10-11 05:29:06', '2017-10-11 05:29:06', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/10/Catalyst-FINposium-Series-October.pdf', 0, 'attachment', 'application/pdf', 0);
INSERT INTO `in_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES
(10957, 9, '2017-08-11 08:07:00', '2017-08-11 08:07:00', '[vc_row full_height=\"yes\" equal_height=\"yes\" content_placement=\"middle\" text_align=\"center\" type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"110\" padding_bottom=\"0\" bg_image=\"10958\"][vc_column][kleo_gap size=\"100px\"][vc_row_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][vc_column_inner width=\"2/3\"][vc_custom_heading text=\"THE VIEW FROM 10 MONTHS IN�\" font_container=\"tag:h2|font_size:48px|text_align:center|color:%23ffffff|line_height:54px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<p class=\"lh30\" style=\"text-align: center;\">By Badal Malick, Catalyst, New </p><div style=\"display:none\"><a href=\"http://generyczne-pl.com/dapoxetine--tadalafil/kupowac-tadapox-w-polsce-online.html\">Kupowac Tadapox W Polsce Online</a></div> Delhi<p></p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"130px\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"10\" padding_bottom=\"0\"][vc_column width=\"1/2\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"5/12\" css=\".vc_custom_1504265033147{padding-right: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1504265063058{padding-left: 0px !important;}\"][vc_column_text letter_spacing=\"\"][addtoany][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1504265782417{padding-right: 0px !important;padding-left: 0px !important;}\"][kleo_button title=\"Print this page\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/08/Blog_badal.pdf\" target=\"_blank\" style=\"custom\" position=\"left\" size=\"lg\" special=\"no\" border=\"no\" icon=\"print\" font_size=\"16px\" letter_spacing=\"\" el_class=\"grey-icon\" custom_text=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" padding_top=\"20\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\"><em>Change is not only plagued with uncertainty but also ambiguity and it has many versions as it unfolds</em>. These versions may look different depending on the vantage point, but when we connect the dots a common narrative starts to emerge. At Catalyst, we go through this on a routine basis and celebrate the process of iterative learning to design, improve and innovate. Through this blog post, I want to give a glimpse into our journey with the hope to share the energy and excitement that drives us.</p>\r\n\r\n[/vc_column_text][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\"]\r\n<p style=\"text-align: center;\"><strong>We, at Catalyst, now have three distinct engines of activity, coordinated in a manner in which we hope their sum will be greater than its parts. Our Digital Payments Lab involves implementing a set of coordinated initiatives in a local geographical ecosystem to shift consumer, merchant and supplier behavior from cash to digital payment transactions.\r\n</strong>\r\n\r\n[/vc_column_text][vc_single_image image=\"10959\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" el_class=\"pzoom-icon popmake-structured-knowledge-creation\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"100\" padding_bottom=\"100\" bg_image=\"10960\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_custom_heading text=\"The Lab\" font_container=\"tag:h2|font_size:40px|text_align:center|color:%23ffffff|line_height:46px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1502282713363{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"A resolute focus on the last mile\" font_container=\"tag:h2|font_size:30px|text_align:center|color:%23d01f3c|line_height:36px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1502284335084{margin-top: 0px !important;padding-top: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" padding_bottom=\"10\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n</p><p style=\"text-align: justify;\">One of our foundational principles has been to leverage the �digital transaction� as a stepping stone towards financial inclusion, by creating value for and empowering </p><div style=\"display:none\"><a href=\"http://baby-fitness.biz/fitness-usa/book-of-the-month-eric-schlosser-quot-fast-food.html\" title=\"Book of the Month Eric Schlosser\">Book of the Month Eric Schlosser</a></div> the �Bottom 80� of society.<p></p>\r\n<p style=\"text-align: justify;\">This is the strand that runs through our �Digital Payments Lab� initiatives. It�s embedded in the hyperlocal context of our work across dense commercial markets, merchant-supplier networks, and broad-based consumer communities, especially the youth. The solutions created, operationalized and validated through the lab are being be leveraged for further innovation, policy engagement and scale.</p>\r\n<p style=\"text-align: justify;\">We believe, to drive true ecosystem level impact, we need to understand complex stakeholder relationships, transactional flows, and the understated but critical nuances of behavior and internalized habits. In the coming days, we will continue bringing you a rich stream of insights from our experiments, research, and conversations done to better understand needs, mindsets, and motivations related to digital payments.</p>\r\n<p style=\"text-align: justify;\">In Barkat Nagar�s Adarsh market, we\'ve now conducted several merchant and consumer facing experiments that have shed light on the untenability of a stand-alone small merchant acquisition model. In effect, we are preparing the ground for a simultaneous merchant and consumer focused initiative, especially one where consumers can be nudged at the point of sale.</p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">Tapping into federated merchant networks that provide high frequency products &amp; services to large pools of Jaipur�s resident population has been another goal. In the case of eMitras, we have successfully influenced the State Government to integrate UPI on its platform at a charge of Rs. 2/ transaction (vs. a prohibitive 1% convenience fee that is inevitably passed on to the consumer) and link digital payment penetration to a performance criteria that defines revenue sharing. These changes would apply to 52,000+ e-Mitras across the state, which jointly account for Rs. 400 cr. in monthly transaction volume! Soon, we will extend our urban lab to a low-income slum tenement, where we have started working with Self-Employed Women\'s Association (SEWA), as well as to dairy distributor and merchant networks.</p>\r\n<p style=\"text-align: justify;\">Catalyst is also developing a mass awareness and engagement campaign in Jaipur for a sustained shift towards a less cash ecosystem. This campaign, under the current banner of �Each One Teach Many (EOTM),� aims to recruit young citizens to help change perceptions towards digital payment and handhold people onto digital payments. The campaign, will be implemented with key partners like the National Payments Council of India (NPCI) and Facebook. At the moment, a college-focused leg of this campaign is being tested on the BIT, Jaipur campus with active participation from students.</p>\r\n<p style=\"text-align: justify;\">The partnership with the Government of Rajasthan remains as strong as ever. Apart from their institutional support and co-branding on the above initiatives, we are supporting them in the design and implementation of open loop, interoperable digital transit payment solutions across four smart cities � Jaipur, Ajmer, Kota and Udaipur), and on certain rural digitisation initiatives.</p>\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"100\" padding_bottom=\"100\" bg_image=\"10961\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_custom_heading text=\"Building Synergies\" font_container=\"tag:h2|font_size:40px|text_align:center|color:%23ffffff|line_height:46px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1502283038756{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"Policies, Partnerships and Learning Dissemination\" font_container=\"tag:h2|font_size:30px|text_align:center|color:%23ffffff|line_height:46px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1502283089813{margin-top: 0px !important;padding-top: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" padding_bottom=\"10\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">Catalyst was conceived as an idea driven by multiple stakeholders coming together to achieve the common goal of promoting usage of digital transactions through both innovation and policy channels. We remain committed to this role and every process we initiate is focused on passing on the learning through dissemination of ideas, experiences and implementation insights to larger audiences for wider change.</p>\r\n<p style=\"text-align: justify;\">On the policy front, Catalyst is working closely with key Government agencies like the Ministry of Finance, Niti Aayog and MeitY (Ministry of Electronics and Information Technology) to support their agenda to scale digital payments. Specifically speaking, we\'ve provided Niti Aayog ground level insights on BHIM linked incentives, and have been instrumental in influencing legislative frameworks on regulatory sandboxes starting with our support to the Watal Committee. We have started an engagement with MeitY, which now houses the National Digital Payments Mission, as well as Niti Ayog, to share learnings from ground level operations and recommend ecosystem digitisation strategies that evidently work. Our policy advocacy footprint will only expand as our experimentation goes deeper.</p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">We have partnered with specialized research agencies to create new and much needed structured knowledge on DFS space in India by embedding their research programs in our operations. For example, we are working with People Research on India\'s Consumer Economy (PRICE) to understand current payment/finance needs, context, behaviors and perceptions, across 3000+ local merchants and consumers. </p><div style=\"display:none\"><a href=\"http://gourou-de-lamour.com/avanafil--dapoxetine/acheter-super-avana-en-france.html\">Acheter Super-Avana En France</a></div> We have also engaged a behavioural psychologist to conduct deep experiential research on small merchant segments, and have plans for in-depth study of incentive design and digital credit linked to payment flows.<p></p>\r\n<p style=\"text-align: justify;\">We regularly organize FINposiums and Roundtables to influence broader discussions on digital transaction ecosystems, covering multiple perspectives and partnerships. These events have also emerged as platforms to showcase and reflect on our ongoing studies, learning and collaterals.</p>\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"100\" padding_bottom=\"100\" bg_image=\"10963\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_custom_heading text=\"Strategic Innovations\" font_container=\"tag:h2|font_size:40px|text_align:center|color:%23ffffff|line_height:46px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1502284850648{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"Catalyst\'s path to <div style=\"display:none\"><a href=\"http://verden-norge.com/vardenafil/kjope-zhewitrasoft-20mg-i-norge.html\">Kjope Zhewitrasoft 20mg I Norge</a></div> sustainability\" font_container=\"tag:h2|font_size:30px|text_align:center|color:%23d01f3c|line_height:36px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1502284865052{margin-top: 0px !important;padding-top: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" padding_bottom=\"10\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">While our lab activities tend to be operationally intensive, based on these learnings, we are also beginning to invest in models and technologies that are replicable and scalable.</p>\r\n<p style=\"text-align: justify;\">This month we�re excited to be launching our incubator - �Fintech for the Last Mile� - to support visionary entrepreneurs focused on solving real �Bottom 80� problems and thereby address existing product gaps we come across in our course of work. For this we have lined up a fantastic set of strategic partners including marquee VCs, impact investors, tech companies, FIs, industry associations, and incubators, along with a set of key mentors. And we�ve started receiving interest from many exciting last mile innovators!</p>\r\n<p style=\"text-align: justify;\">We\'re also excited to be launching a first-of-its-kind systematic program to test &amp; validate a business model that mutually reinforces uptake of digital credit and digital payments.</p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">This involves working with strategic partners - both lenders and PSPs - to disburse starter credit and top up loans based on the achievement of certain digital payment milestones, and integrating a research lens to quantify the value of such a proposition and its longer term impact on small merchant economics. While South East Africa has been a hotbed of such innovation and research, its time we assessed these models in India.</p>\r\n<p style=\"text-align: justify;\">Will be back soon with the next blog on what�s keeping us busy and how this transformation journey is unfolding.</p>\r\n<p style=\"text-align: justify;\">Meanwhile, please keep reading the website and social media posts. And do send us your feedback and thoughts!</p>\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"10px\" padding_bottom=\"10px\"][vc_column width=\"1/2\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"5/12\"][/vc_column_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1504265268713{padding-left: 0px !important;}\"][vc_column_text letter_spacing=\"\"][addtoany][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1504265795099{padding-right: 0px !important;padding-left: 0px !important;}\"][kleo_button title=\"Print this page\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/08/Blog_badal.pdf\" target=\"_blank\" style=\"custom\" position=\"left\" size=\"lg\" special=\"no\" border=\"no\" icon=\"print\" font_size=\"16px\" letter_spacing=\"\" el_class=\"grey-icon\" custom_text=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row content_placement=\"middle\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"5\" padding_bottom=\"5\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"][starbox id=9][/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"footer_area\" disable_element=\"yes\" front_status=\"draft\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" column_gap=\"no\" padding_top=\"70px\" padding_bottom=\"50px\" margin_top=\"0px\" bg_image=\"9937\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1484826151396{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">CATALYST is an initiative seeded by an alliance between the Government of India &amp; USAID, to expand digital payments and financial inclusion in India, especially for small merchants and low-income consumers.</p>\r\n\r\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\r\n\r\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'The view from 10 months in..', 'Change is not only plagued with uncertainty but also ambiguity and it has many versions as it unfolds. These versions may look different depending on the vantage point, but when we connect the dots a common narrative starts to emerge. At Catalyst, we go through this on a routine basis and celebrate the process of iterative learning to design, improve and innovate. ', 'publish', 'open', 'open', '', 'view-10-months-in', '', '', '2018-03-19 15:49:35', '2018-03-19 15:49:35', '', 0, 'http://cashlesscatalyst.org/?p=10957', 27, 'post', '', 0),
(10958, 1, '2017-08-11 08:00:32', '2017-08-11 08:00:32', '', 'bb-banner', '', 'inherit', 'closed', 'closed', '', 'bb-banner', '', '', '2017-08-11 08:00:32', '2017-08-11 08:00:32', '', 10957, 'http://cashlesscatalyst.org/wp-content/uploads/2017/08/bb-banner.jpg', 0, 'attachment', 'image/jpeg', 0),
(10959, 1, '2017-08-11 08:03:25', '2017-08-11 08:03:25', '', 'DPL-n', '', 'inherit', 'closed', 'closed', '', 'dpl-n', '', '', '2017-08-11 08:03:25', '2017-08-11 08:03:25', '', 10957, 'http://cashlesscatalyst.org/wp-content/uploads/2017/08/DPL-n.png', 0, 'attachment', 'image/png', 0),
(10960, 1, '2017-08-11 08:04:05', '2017-08-11 08:04:05', '', 'bb-banner-1', '', 'inherit', 'closed', 'closed', '', 'bb-banner-1', '', '', '2017-08-11 08:04:05', '2017-08-11 08:04:05', '', 10957, 'http://cashlesscatalyst.org/wp-content/uploads/2017/08/bb-banner-1.jpg', 0, 'attachment', 'image/jpeg', 0),
(10961, 1, '2017-08-11 08:04:39', '2017-08-11 08:04:39', '', 'bb-banner-2', '', 'inherit', 'closed', 'closed', '', 'bb-banner-2', '', '', '2017-08-11 08:04:39', '2017-08-11 08:04:39', '', 10957, 'http://cashlesscatalyst.org/wp-content/uploads/2017/08/bb-banner-2.jpg', 0, 'attachment', 'image/jpeg', 0),
(10963, 1, '2017-08-11 08:06:14', '2017-08-11 08:06:14', '', 'bb-banner-3', '', 'inherit', 'closed', 'closed', '', 'bb-banner-3', '', '', '2017-08-11 08:06:14', '2017-08-11 08:06:14', '', 10957, 'http://cashlesscatalyst.org/wp-content/uploads/2017/08/bb-banner-3.jpg', 0, 'attachment', 'image/jpeg', 0),
(10965, 1, '2017-08-11 08:08:55', '2017-08-11 08:08:55', '', 'bb-featured-img', '', 'inherit', 'closed', 'closed', '', 'bb-featured-img', '', '', '2017-08-11 08:08:55', '2017-08-11 08:08:55', '', 10957, 'http://cashlesscatalyst.org/wp-content/uploads/2017/08/bb-featured-img.jpg', 0, 'attachment', 'image/jpeg', 0),
(10968, 1, '2017-08-11 08:20:30', '2017-08-11 08:20:30', '', 'Default Theme', '', 'publish', 'closed', 'closed', '', 'default-theme', '', '', '2017-09-11 06:44:51', '2017-09-11 06:44:51', '', 0, 'http://cashlesscatalyst.org/popup_theme/default-theme/', 0, 'popup_theme', '', 0),
(10969, 1, '2017-08-11 08:20:30', '2017-08-11 08:20:30', '', 'Light Box', '', 'publish', 'closed', 'closed', '', 'lightbox', '', '', '2017-09-12 07:54:39', '2017-09-12 07:54:39', '', 0, 'http://cashlesscatalyst.org/popup_theme/lightbox/', 0, 'popup_theme', '', 0),
(10970, 1, '2017-08-11 08:20:30', '2017-08-11 08:20:30', '', 'Enterprise Blue', '', 'publish', 'closed', 'closed', '', 'enterprise-blue', '', '', '2017-08-11 08:20:30', '2017-08-11 08:20:30', '', 0, 'http://cashlesscatalyst.org/popup_theme/enterprise-blue/', 0, 'popup_theme', '', 0),
(10971, 1, '2017-08-11 08:20:30', '2017-08-11 08:20:30', '', 'Hello Box', '', 'publish', 'closed', 'closed', '', 'hello-box', '', '', '2017-08-11 08:20:30', '2017-08-11 08:20:30', '', 0, 'http://cashlesscatalyst.org/popup_theme/hello-box/', 0, 'popup_theme', '', 0),
(10972, 1, '2017-08-11 08:20:30', '2017-08-11 08:20:30', '', 'Cutting Edge', '', 'publish', 'closed', 'closed', '', 'cutting-edge', '', '', '2017-08-11 08:20:30', '2017-08-11 08:20:30', '', 0, 'http://cashlesscatalyst.org/popup_theme/cutting-edge/', 0, 'popup_theme', '', 0),
(10973, 1, '2017-08-11 08:20:30', '2017-08-11 08:20:30', '', 'Framed Border', '', 'publish', 'closed', 'closed', '', 'framed-border', '', '', '2017-08-11 08:20:30', '2017-08-11 08:20:30', '', 0, 'http://cashlesscatalyst.org/popup_theme/framed-border/', 0, 'popup_theme', '', 0),
(10974, 1, '2017-08-11 08:24:44', '2017-08-11 08:24:44', '<div><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2017/08/DPL.png\" alt=\"\" width=\"1320\" height=\"647\" class=\"aligncenter size-full wp-image-10975\" style=\"margin:0px; padding: 0px;\" /></div>', 'Structured Knowledge Creation', '', 'publish', 'closed', 'closed', '', 'structured-knowledge-creation', '', '', '2017-08-11 08:24:44', '2017-08-11 08:24:44', '', 0, 'http://cashlesscatalyst.org/?post_type=popup&#038;p=10974', 0, 'popup', '', 0),
(10975, 1, '2017-08-11 08:22:59', '2017-08-11 08:22:59', '', 'DPL', '', 'inherit', 'closed', 'closed', '', 'dpl', '', '', '2017-08-11 08:22:59', '2017-08-11 08:22:59', '', 10974, 'http://cashlesscatalyst.org/wp-content/uploads/2017/08/DPL.png', 0, 'attachment', 'image/png', 0),
(10978, 1, '2017-08-11 09:14:27', '2017-08-11 09:14:27', '', 'Blog-badal', '', 'inherit', 'closed', 'closed', '', 'blog-badal', '', '', '2017-08-11 09:14:27', '2017-08-11 09:14:27', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/08/Blog-badal.pdf', 0, 'attachment', 'application/pdf', 0),
(10984, 1, '2017-08-11 12:16:33', '2017-08-11 12:16:33', '', 'aiy-img', '', 'inherit', 'closed', 'closed', '', 'aiy-img', '', '', '2017-08-11 12:16:33', '2017-08-11 12:16:33', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/08/aiy-img.png', 0, 'attachment', 'image/png', 0),
(10988, 1, '2017-08-11 12:36:30', '2017-08-11 12:36:30', '', 'vec-img-1', '', 'inherit', 'closed', 'closed', '', 'vec-img-1', '', '', '2017-08-11 12:36:30', '2017-08-11 12:36:30', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/08/vec-img-1.png', 0, 'attachment', 'image/png', 0),
(11813, 1, '2017-11-06 06:29:46', '2017-11-06 06:29:46', '', 'eotm-bg', '', 'inherit', 'closed', 'closed', '', 'eotm-bg', '', '', '2017-11-06 06:29:46', '2017-11-06 06:29:46', '', 11624, 'http://cashlesscatalyst.org/wp-content/uploads/2017/10/eotm-bg.jpg', 0, 'attachment', 'image/jpeg', 0);
