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
(11612, 1, '2017-10-19 08:45:29', '2017-10-19 08:45:29', '[vc_section full_height=\"yes\" css=\".vc_custom_1508402155649{background-image: url(https://cashlesscatalyst.org/wp-content/uploads/2017/10/emitra-banner-1.jpg?id=11613) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\" el_class=\"bgAttFix\"][vc_row equal_height=\"yes\" type=\"color\" bg_color=\"rgba(255,255,255,0.01)\" padding_bottom=\"0\"][vc_column][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/6\"][/vc_column_inner][vc_column_inner width=\"2/3\"][vc_custom_heading text=\"DIGITIZING CONSUMER PAYMENTS AT EMITRA CENTERS <strong>FOR GOVERNMENT SERVICES &amp; UTILITY BILLS</strong>\" font_container=\"tag:h1|font_size:32px|text_align:center|color:%23ffffff|line_height:38px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1508414456181{margin-bottom: 0px !important;padding-right: 8% !important;padding-bottom: 0px !important;padding-left: 8% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"70px\"][vc_row_inner css=\".vc_custom_1508398123899{margin-top: 0px !important;}\"][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/6\" css=\".vc_custom_1508398145246{background-color: #d11e3b !important;}\"][vc_column_text text_color=\"#232323\" font_size=\"22px\" letter_spacing=\"\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1508403234566{margin-top: -15px !important;}\"]\r\n<div class=\"row\">\r\n<div class=\"col-sm-4\"></div>\r\n<div class=\"col-sm-4\">\r\n<h3 class=\"innerTitleText\" style=\"text-align: center;\">CURRENT STATE</h3>\r\n</div>\r\n<div class=\"col-sm-4\"></div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"PAYMENTS AT EMITRA CENTERS ARE 98% CASH BASED AND RESULT IN SIGNIFICANT CASH HANDLING COSTS FOR ENTREPRENEURS\" font_container=\"tag:h2|font_size:20px|text_align:center|color:%23ffffff|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=\"\" css=\".vc_custom_1508414314803{padding-right: 17% !important;padding-left: 17% !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"11614\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][vc_empty_space height=\"10px\"][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"70px\"][vc_row_inner css=\".vc_custom_1508398123899{margin-top: 0px !important;}\"][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/6\" css=\".vc_custom_1508398145246{background-color: #d11e3b !important;}\"][vc_column_text text_color=\"#232323\" font_size=\"22px\" letter_spacing=\"\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1508403358696{margin-top: -15px !important;}\"]\r\n<div class=\"row\">\r\n<div class=\"col-sm-4\"></div>\r\n<div class=\"col-sm-4\">\r\n<h3 class=\"innerTitleText\" style=\"text-align: center;\">FUTURE STATE</h3>\r\n</div>\r\n<div class=\"col-sm-4\"></div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"A STREAMLINED DIGITAL PAYMENT BUSINESS MODEL FOR EMITRA CENTERS CAN CREATE OPERATIONAL EFFICIENCIES AND HELP GROW THEIR BROADER BUSINESS\" font_container=\"tag:h3|font_size:20px|text_align:center|color:%23ffffff|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=\"\" css=\".vc_custom_1508414511485{padding-right: 12% !important;padding-left: 12% !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"11719\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][vc_empty_space height=\"10px\"][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"70px\"][vc_row_inner css=\".vc_custom_1508398123899{margin-top: 0px !important;}\"][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/6\" css=\".vc_custom_1508398145246{background-color: #d11e3b !important;}\"][vc_empty_space height=\"40px\"][vc_custom_heading text=\"DIGITIZATION OF EMITRA PAYMENTS CAN ACCELERATE CASHLESS PAYMENT USAGE ACROSS 30% OF THE POPULATION THAT ACCESS EMITRA SERVICES ON A MONTHLY BASIS\" font_container=\"tag:h3|font_size:20px|text_align:center|color:%23ffffff|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=\"\" css=\".vc_custom_1508414341655{padding-right: 13% !important;padding-left: 13% !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"11616\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][vc_empty_space height=\"10px\"][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"70px\"][vc_row_inner css=\".vc_custom_1521622769996{padding-top: 25px !important;padding-right: 15px !important;padding-bottom: 25px !important;padding-left: 15px !important;background-color: #d11e3b !important;}\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1521622062615{border-radius: 1px !important;}\"][vc_single_image image=\"12641\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/tuning-sound-digital-transactions/\" css=\".vc_custom_1521626135304{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"User Stories\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23ffffff|line_height:22px\" 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=\"\"][vc_custom_heading text=\"Tuning into the sound of digital transactions\" font_container=\"tag:h4|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=\"\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Ftuning-sound-digital-transactions%2F|||\" el_class=\"lnContainerTitle\"][vc_custom_heading text=\"January, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23ffffff|line_height:22px\" 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=\"\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"12643\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/digital-good-business-adds-value-consumers/\" css=\".vc_custom_1521626207889{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"User Stories\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23ffffff|line_height:22px\" 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=\"\"][vc_custom_heading text=\"Digital is good for business, adds value for consumers\" font_container=\"tag:h4|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=\"\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Fdigital-good-business-adds-value-consumers%2F|||\" el_class=\"lnContainerTitle\"][vc_custom_heading text=\"January, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23ffffff|line_height:22px\" 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=\"\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"12642\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/age-just-number-comes-digital-payments/\" css=\".vc_custom_1521626220714{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"User Stories\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23ffffff|line_height:22px\" 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=\"\"][vc_custom_heading text=\"Age just a number when it comes to digital payments\" font_container=\"tag:h4|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=\"\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Fage-just-number-comes-digital-payments%2F|||\" el_class=\"lnContainerTitle\"][vc_custom_heading text=\"January, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23ffffff|line_height:22px\" 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=\"\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"12697\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/catalyst-blog/drawing-board-field-back/\" css=\".vc_custom_1521626231471{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Blog\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23ffffff|line_height:22px\" 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=\"\"][vc_custom_heading text=\"From the drawing board to the field… and back\" font_container=\"tag:h4|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=\"\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Fcatalyst-blog%2Fdrawing-board-field-back%2F|||\" el_class=\"lnContainerTitle\"][vc_custom_heading text=\"March, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23ffffff|line_height:22px\" 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=\"\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"70px\"][/vc_column][/vc_row][/vc_section][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_1549450559594{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]', 'Emitra', '', 'publish', 'closed', 'closed', '', 'emitra', '', '', '2019-02-06 10:56:03', '2019-02-06 10:56:03', '', 0, 'http://cashlesscatalyst.org/?page_id=11612', 0, 'page', '', 0),
(40429, 23, '2019-02-06 10:56:03', '2019-02-06 10:56:03', '[vc_section full_height=\"yes\" css=\".vc_custom_1508402155649{background-image: url(https://cashlesscatalyst.org/wp-content/uploads/2017/10/emitra-banner-1.jpg?id=11613) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\" el_class=\"bgAttFix\"][vc_row equal_height=\"yes\" type=\"color\" bg_color=\"rgba(255,255,255,0.01)\" padding_bottom=\"0\"][vc_column][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/6\"][/vc_column_inner][vc_column_inner width=\"2/3\"][vc_custom_heading text=\"DIGITIZING CONSUMER PAYMENTS AT EMITRA CENTERS <strong>FOR GOVERNMENT SERVICES &amp; UTILITY BILLS</strong>\" font_container=\"tag:h1|font_size:32px|text_align:center|color:%23ffffff|line_height:38px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1508414456181{margin-bottom: 0px !important;padding-right: 8% !important;padding-bottom: 0px !important;padding-left: 8% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"70px\"][vc_row_inner css=\".vc_custom_1508398123899{margin-top: 0px !important;}\"][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/6\" css=\".vc_custom_1508398145246{background-color: #d11e3b !important;}\"][vc_column_text text_color=\"#232323\" font_size=\"22px\" letter_spacing=\"\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1508403234566{margin-top: -15px !important;}\"]\r\n<div class=\"row\">\r\n<div class=\"col-sm-4\"></div>\r\n<div class=\"col-sm-4\">\r\n<h3 class=\"innerTitleText\" style=\"text-align: center;\">CURRENT STATE</h3>\r\n</div>\r\n<div class=\"col-sm-4\"></div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"PAYMENTS AT EMITRA CENTERS ARE 98% CASH BASED AND RESULT IN SIGNIFICANT CASH HANDLING COSTS FOR ENTREPRENEURS\" font_container=\"tag:h2|font_size:20px|text_align:center|color:%23ffffff|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=\"\" css=\".vc_custom_1508414314803{padding-right: 17% !important;padding-left: 17% !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"11614\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][vc_empty_space height=\"10px\"][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"70px\"][vc_row_inner css=\".vc_custom_1508398123899{margin-top: 0px !important;}\"][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/6\" css=\".vc_custom_1508398145246{background-color: #d11e3b !important;}\"][vc_column_text text_color=\"#232323\" font_size=\"22px\" letter_spacing=\"\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1508403358696{margin-top: -15px !important;}\"]\r\n<div class=\"row\">\r\n<div class=\"col-sm-4\"></div>\r\n<div class=\"col-sm-4\">\r\n<h3 class=\"innerTitleText\" style=\"text-align: center;\">FUTURE STATE</h3>\r\n</div>\r\n<div class=\"col-sm-4\"></div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"A STREAMLINED DIGITAL PAYMENT BUSINESS MODEL FOR EMITRA CENTERS CAN CREATE OPERATIONAL EFFICIENCIES AND HELP GROW THEIR BROADER BUSINESS\" font_container=\"tag:h3|font_size:20px|text_align:center|color:%23ffffff|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=\"\" css=\".vc_custom_1508414511485{padding-right: 12% !important;padding-left: 12% !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"11719\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][vc_empty_space height=\"10px\"][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"70px\"][vc_row_inner css=\".vc_custom_1508398123899{margin-top: 0px !important;}\"][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/6\" css=\".vc_custom_1508398145246{background-color: #d11e3b !important;}\"][vc_empty_space height=\"40px\"][vc_custom_heading text=\"DIGITIZATION OF EMITRA PAYMENTS CAN ACCELERATE CASHLESS PAYMENT USAGE ACROSS 30% OF THE POPULATION THAT ACCESS EMITRA SERVICES ON A MONTHLY BASIS\" font_container=\"tag:h3|font_size:20px|text_align:center|color:%23ffffff|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=\"\" css=\".vc_custom_1508414341655{padding-right: 13% !important;padding-left: 13% !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"11616\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][vc_empty_space height=\"10px\"][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"70px\"][vc_row_inner css=\".vc_custom_1521622769996{padding-top: 25px !important;padding-right: 15px !important;padding-bottom: 25px !important;padding-left: 15px !important;background-color: #d11e3b !important;}\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1521622062615{border-radius: 1px !important;}\"][vc_single_image image=\"12641\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/tuning-sound-digital-transactions/\" css=\".vc_custom_1521626135304{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"User Stories\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23ffffff|line_height:22px\" 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=\"\"][vc_custom_heading text=\"Tuning into the sound of digital transactions\" font_container=\"tag:h4|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=\"\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Ftuning-sound-digital-transactions%2F|||\" el_class=\"lnContainerTitle\"][vc_custom_heading text=\"January, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23ffffff|line_height:22px\" 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=\"\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"12643\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/digital-good-business-adds-value-consumers/\" css=\".vc_custom_1521626207889{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"User Stories\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23ffffff|line_height:22px\" 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=\"\"][vc_custom_heading text=\"Digital is good for business, adds value for consumers\" font_container=\"tag:h4|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=\"\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Fdigital-good-business-adds-value-consumers%2F|||\" el_class=\"lnContainerTitle\"][vc_custom_heading text=\"January, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23ffffff|line_height:22px\" 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=\"\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"12642\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/age-just-number-comes-digital-payments/\" css=\".vc_custom_1521626220714{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"User Stories\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23ffffff|line_height:22px\" 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=\"\"][vc_custom_heading text=\"Age just a number when it comes to digital payments\" font_container=\"tag:h4|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=\"\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Fage-just-number-comes-digital-payments%2F|||\" 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text=\"From the drawing board to the field… and back\" font_container=\"tag:h4|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=\"\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Fcatalyst-blog%2Fdrawing-board-field-back%2F|||\" el_class=\"lnContainerTitle\"][vc_custom_heading text=\"March, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23ffffff|line_height:22px\" 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=\"\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"70px\"][/vc_column][/vc_row][/vc_section][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_1549450559594{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]', 'Emitra', '', 'inherit', 'closed', 'closed', '', '11612-revision-v1', '', '', '2019-02-06 10:56:03', '2019-02-06 10:56:03', '', 11612, 'https://cashlesscatalyst.org/media/11612-revision-v1/', 0, 'revision', '', 0),
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(11592, 1, '2017-10-19 07:16:35', '2017-10-19 07:16:35', '[vc_section full_height=\"yes\" css=\".vc_custom_1508398341698{background-image: url(https://cashlesscatalyst.org/wp-content/uploads/2017/10/dairy-banner-1.jpg?id=11593) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\" el_class=\"bgAttFix\"][vc_row equal_height=\"yes\" type=\"color\" bg_color=\"rgba(255,255,255,0.01)\" padding_bottom=\"0\"][vc_column][vc_row_inner equal_height=\"yes\"][vc_column_inner][vc_custom_heading text=\"DIGITIZING DAIRY PAYMENTS BETWEEN DISTRIBUTORS, MERCHANTS AND CONSUMERS <strong>CAN SUPPORT A DAILY USE CASE THAT REACHES EVERY HOUSEHOLD IN THE CITY</strong>\" font_container=\"tag:h1|font_size:32px|text_align:center|color:%23ffffff|line_height:38px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1508412579465{margin-bottom: 0px !important;padding-right: 7% !important;padding-bottom: 0px !important;padding-left: 7% !important;}\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"70px\"][vc_row_inner css=\".vc_custom_1508398123899{margin-top: 0px !important;}\"][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/6\" css=\".vc_custom_1508398145246{background-color: #d11e3b !important;}\"][vc_column_text text_color=\"#232323\" font_size=\"18px\" letter_spacing=\"\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1508412282802{margin-top: -15px !important;}\"]\r\n<div class=\"row\">\r\n<div class=\"col-sm-4\"></div>\r\n<div class=\"col-sm-4\">\r\n<h3 class=\"innerTitleText\" style=\"text-align: center;\">CURRENT STATE</h3>\r\n</div>\r\n<div class=\"col-sm-4\"></div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"SUPPLY CHAIN AND CONSUMER PAYMENTS FOR DAIRY PURCHASES ARE LARGELY CASH BASED AND INEFFICIENT\" font_container=\"tag:h2|font_size:20px|text_align:center|color:%23ffffff|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=\"\" css=\".vc_custom_1508413756101{padding-right: 17% !important;padding-left: 17% !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"11594\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][vc_empty_space height=\"10px\"][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"70px\"][vc_row_inner css=\".vc_custom_1508398123899{margin-top: 0px !important;}\"][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/6\" css=\".vc_custom_1508398145246{background-color: #d11e3b !important;}\"][vc_column_text text_color=\"#232323\" font_size=\"18px\" letter_spacing=\"\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1508412308167{margin-top: -15px !important;}\"]\r\n<div class=\"row\">\r\n<div class=\"col-sm-4\"></div>\r\n<div class=\"col-sm-4\">\r\n<h3 class=\"innerTitleText\" style=\"text-align: center;\">FUTURE STATE</h3>\r\n</div>\r\n<div class=\"col-sm-4\"></div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"DIGITIZING DAIRY CREATES IMMEDIATE VALUE FOR THE DISTRIBUTORS. SOME OF WHICH CAN BE SHARED WITH RETAILERS TO INDUCE THEM TO DIGITISE THEIR CUSTOMER OPERATIONS\" font_container=\"tag:h3|font_size:20px|text_align:center|color:%23ffffff|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=\"\" css=\".vc_custom_1508412356165{padding-right: 12% !important;padding-left: 12% !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"11821\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][vc_empty_space height=\"10px\"][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"70px\"][vc_row_inner css=\".vc_custom_1508398123899{margin-top: 0px !important;}\"][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/6\" css=\".vc_custom_1508398145246{background-color: #d11e3b !important;}\"][vc_empty_space height=\"40px\"][vc_custom_heading text=\"A DIGITAL DAIRY BUSINESS MODEL CAN BE SCALED ACROSS THE COUNTRY TO SUPPORT A DAILY USE CASH THAT REACHES EVERY HOUSEHOLD\" font_container=\"tag:h3|font_size:20px|text_align:center|color:%23ffffff|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=\"\" css=\".vc_custom_1508997497479{padding-right: 19% !important;padding-left: 19% !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"11602\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][vc_empty_space height=\"10px\"][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"70px\"][vc_row_inner css=\".vc_custom_1521624948676{padding-top: 22px !important;padding-right: 15px !important;padding-bottom: 22px !important;padding-left: 15px !important;}\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1521625008501{padding-top: 22px !important;padding-right: 15px !important;padding-bottom: 22px !important;padding-left: 15px !important;background-color: #d11e3b !important;}\"][vc_single_image image=\"12807\" img_size=\"full\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/dairy_story/\" css=\".vc_custom_1521626638569{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"User Stories\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23ffffff|line_height:22px\" 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=\"\"][vc_custom_heading text=\"Milking the benefits of digital payments - A journey towards finding simple solutions\" font_container=\"tag:h4|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=\"\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Fdairy_story%2F|||\" el_class=\"lnContainerTitle\"][vc_custom_heading text=\"March, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23ffffff|line_height:22px\" 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=\"\"][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"70px\"][/vc_column][/vc_row][/vc_section][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_1549450668449{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]', 'Dairy', '', 'publish', 'closed', 'closed', '', 'dairy', '', '', '2019-02-06 10:57:52', '2019-02-06 10:57:52', '', 0, 'http://cashlesscatalyst.org/?page_id=11592', 0, 'page', '', 0),
(40433, 23, '2019-02-06 10:57:52', '2019-02-06 10:57:52', '[vc_section full_height=\"yes\" css=\".vc_custom_1508398341698{background-image: url(https://cashlesscatalyst.org/wp-content/uploads/2017/10/dairy-banner-1.jpg?id=11593) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\" el_class=\"bgAttFix\"][vc_row equal_height=\"yes\" type=\"color\" bg_color=\"rgba(255,255,255,0.01)\" padding_bottom=\"0\"][vc_column][vc_row_inner equal_height=\"yes\"][vc_column_inner][vc_custom_heading text=\"DIGITIZING DAIRY PAYMENTS BETWEEN DISTRIBUTORS, MERCHANTS AND CONSUMERS <strong>CAN SUPPORT A DAILY USE CASE THAT REACHES EVERY HOUSEHOLD IN THE CITY</strong>\" font_container=\"tag:h1|font_size:32px|text_align:center|color:%23ffffff|line_height:38px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1508412579465{margin-bottom: 0px !important;padding-right: 7% !important;padding-bottom: 0px !important;padding-left: 7% !important;}\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"70px\"][vc_row_inner css=\".vc_custom_1508398123899{margin-top: 0px !important;}\"][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/6\" css=\".vc_custom_1508398145246{background-color: #d11e3b !important;}\"][vc_column_text text_color=\"#232323\" font_size=\"18px\" letter_spacing=\"\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1508412282802{margin-top: -15px !important;}\"]\r\n<div class=\"row\">\r\n<div class=\"col-sm-4\"></div>\r\n<div class=\"col-sm-4\">\r\n<h3 class=\"innerTitleText\" style=\"text-align: center;\">CURRENT STATE</h3>\r\n</div>\r\n<div class=\"col-sm-4\"></div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"SUPPLY CHAIN AND CONSUMER PAYMENTS FOR DAIRY PURCHASES ARE LARGELY CASH BASED AND INEFFICIENT\" font_container=\"tag:h2|font_size:20px|text_align:center|color:%23ffffff|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=\"\" css=\".vc_custom_1508413756101{padding-right: 17% !important;padding-left: 17% !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"11594\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][vc_empty_space height=\"10px\"][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"70px\"][vc_row_inner css=\".vc_custom_1508398123899{margin-top: 0px !important;}\"][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/6\" css=\".vc_custom_1508398145246{background-color: #d11e3b !important;}\"][vc_column_text text_color=\"#232323\" font_size=\"18px\" letter_spacing=\"\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1508412308167{margin-top: -15px !important;}\"]\r\n<div class=\"row\">\r\n<div class=\"col-sm-4\"></div>\r\n<div class=\"col-sm-4\">\r\n<h3 class=\"innerTitleText\" style=\"text-align: center;\">FUTURE STATE</h3>\r\n</div>\r\n<div class=\"col-sm-4\"></div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"DIGITIZING DAIRY CREATES IMMEDIATE VALUE FOR THE DISTRIBUTORS. SOME OF WHICH CAN BE SHARED WITH RETAILERS TO INDUCE THEM TO DIGITISE THEIR CUSTOMER OPERATIONS\" font_container=\"tag:h3|font_size:20px|text_align:center|color:%23ffffff|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=\"\" css=\".vc_custom_1508412356165{padding-right: 12% !important;padding-left: 12% !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"11821\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][vc_empty_space height=\"10px\"][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"70px\"][vc_row_inner css=\".vc_custom_1508398123899{margin-top: 0px !important;}\"][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/6\" css=\".vc_custom_1508398145246{background-color: #d11e3b !important;}\"][vc_empty_space height=\"40px\"][vc_custom_heading text=\"A DIGITAL DAIRY BUSINESS MODEL CAN BE SCALED ACROSS THE COUNTRY TO SUPPORT A DAILY USE CASH THAT REACHES EVERY HOUSEHOLD\" font_container=\"tag:h3|font_size:20px|text_align:center|color:%23ffffff|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=\"\" css=\".vc_custom_1508997497479{padding-right: 19% !important;padding-left: 19% !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"11602\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][vc_empty_space height=\"10px\"][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"70px\"][vc_row_inner css=\".vc_custom_1521624948676{padding-top: 22px !important;padding-right: 15px !important;padding-bottom: 22px !important;padding-left: 15px !important;}\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1521625008501{padding-top: 22px !important;padding-right: 15px !important;padding-bottom: 22px !important;padding-left: 15px !important;background-color: #d11e3b !important;}\"][vc_single_image image=\"12807\" img_size=\"full\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/dairy_story/\" css=\".vc_custom_1521626638569{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"User Stories\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23ffffff|line_height:22px\" 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=\"\"][vc_custom_heading text=\"Milking the benefits of digital payments - A journey towards finding simple solutions\" font_container=\"tag:h4|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=\"\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Fdairy_story%2F|||\" el_class=\"lnContainerTitle\"][vc_custom_heading text=\"March, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23ffffff|line_height:22px\" 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=\"\"][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"70px\"][/vc_column][/vc_row][/vc_section][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_1549450668449{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]', 'Dairy', '', 'inherit', 'closed', 'closed', '', '11592-revision-v1', '', '', '2019-02-06 10:57:52', '2019-02-06 10:57:52', '', 11592, 'https://cashlesscatalyst.org/media/11592-revision-v1/', 0, 'revision', '', 0),
(11588, 1, '2017-10-13 13:26:54', '2017-10-13 13:26:54', '', 'Role-of-Co-operative-Banks-in-Financial-Inclusion', '', 'inherit', 'closed', 'closed', '', 'role-of-co-operative-banks-in-financial-inclusion', '', '', '2017-10-13 13:26:54', '2017-10-13 13:26:54', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/10/Role-of-Co-operative-Banks-in-Financial-Inclusion.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
(9029, 1, '2016-12-30 07:14:19', '2016-12-30 07:14:19', '[vc_row full_height=\"yes\" content_placement=\"middle\" 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 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/micro merchants and individual service providers for digital payment acceptance</li>\r\n 	<li>Promote multiple payment options (card, UPI, wallet) relevant to merchant type</li>\r\n 	<li>Enable consumer adoption of digital payments (e.g., e-Mitra channel)</li>\r\n 	<li>City wide awareness, financial literacy and merchant/consumer protection drive</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;}\" el_id=\"about\"][vc_column_inner width=\"1/2\" offset=\"vc_col-lg-7 vc_col-md-7 vc_col-xs-12\" css=\".vc_custom_1486038749161{padding-right: 0px !important;padding-left: 0px !important;background-image: url(http://cashlesscatalyst.org/wp-content/uploads/2016/12/jaibur-img-2.jpg?id=8798) !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 PAYMENT 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 payment solution for buses, metro and auto/taxis enabling mass public to pay digitally</li>\r\n 	<li>Solution meets transaction speed needs of the usage</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=\"8811\"][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 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>Salary digitization of informal, industrial and contract workers with annual income less than INR 2 lakhs</li>\r\n 	<li>Easy to use and cost effective solution for employer 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_1486040724708{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_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 INCENTIVE + VALUE ADD SERVICES FOR MERCHANTS\" 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_1486043502787{margin-bottom: 0px !important;}\"]\r\n<ul class=\"pclist-red\">\r\n 	<li>Evaluate and rollout new business models to use credit as an incentive for merchants to adopt digital payments</li>\r\n 	<li>Test lending marketplace model leveraging India Stack solutions including data vault</li>\r\n 	<li>Test impact of rewards, rebates, EMI and other value add services</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=\"8809\"][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 CHAIN\" 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 small retailers, businesses and kirana stores for order management and payments with their B2B supply chain</li>\r\n 	<li>Evaluate and rollout integration of value-add 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_1486041184731{padding-right: 0px !important;padding-left: 0px !important;background-image: url(http://cashlesscatalyst.org/wp-content/uploads/2016/12/jaibur-img-5.jpg?id=8806) !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_1486041225685{padding-right: 0px !important;padding-left: 0px !important;background-image: url(http://cashlesscatalyst.org/wp-content/uploads/2016/12/jaibur-img-6.jpg?id=8807) !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 CONSUMER THROUGH CREDIT, SAVINGS &amp; INVESTMENT\" 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_1486043958091{margin-bottom: 15px !important;}\"]\r\n<ul class=\"pclist-red\">\r\n 	<li>Digitization of MFI loan repayments</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 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=\"7886\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 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(13085, 13, '2018-03-29 06:31:39', '2018-03-29 06:31:39', '[vc_row content_placement=\"top\" padding_top=\"0\" padding_bottom=\"0\"][vc_column][vc_row_inner content_placement=\"top\"][vc_column_inner][vc_single_image image=\"13097\" img_size=\"full\" alignment=\"center\" full_width=\"yes\" animation=\"animate-when-almost-visible\" css_animation=\"left-to-right\" css=\".vc_custom_1522763838891{margin-bottom: 0px !important;padding-bottom: 10px !important;}\"][vc_custom_heading text=\"Mr. Navin Surya\" 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_1522775179224{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_1522308078813{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, Payments Council of India</em></p>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]<em>Badal Malick, Principal Innovation Officer, Catalyst caught up with Navin on evolution of payments industry, key strategies to push merchant adoption of digital payments and the state of innovation finance targeted towards fintech.</em>[/vc_column_text][vc_empty_space height=\"20px\"][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#555555\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1522775232039{margin-top: 0px !important;padding-top: 0px !important;}\"]\r\n<div class=\"pred\"><strong>What are the two biggest hits and misses respectively in the recent development of Indiaï¿½s digital payments ecosystem from your vantage point, as they relate to financial inclusion?</strong></div>\r\nDigital payments industry has formally evolved over the last ten years, starting with the Payments and Settlement Systems Act, 2007. Industry organized around that statutory framework and a separate department at the RBI was formed. It started with the credit cards where entertainment and travel related expenses first got digitized and further expanded into day-to-day expenses. The credit card users are top of the consumer pyramid, probably half a percent of the population, but almost 90% of their transactions will be digital, albeit they are a small base of course.\r\n\r\nThen we have the wallets. In terms of numbers, total non-bank issuance is worth about 14000 crores. Wallets centre around three use-cases fundamentally. Firstly, the gift and meal coupon use-case; this segment is about INR 2000 crores. The second bucket, that recently came to the fore, is taxi services and general e-commerce. This segment is worth another INR 2000 crores. The third and the final bucket, important from a financial inclusion standpoint, is the remittance bucket relevant for the migrant labourers. This bucket is INR 10,000 crores. It is rarely talked about but from a wallet perspective but this is a financial inclusion story. Though the volumes were low during and after demonetization, they have started growing again.\r\n\r\n(In terms of the misses), I would say that the payments industry is not growing fast enough. In the last two years, the industry grew at about 30% on annual basis. But given that we are an aspiration economy, we need to reach 50% of growth in the next five years. We are far away from that benchmark. [/vc_column_text][vc_column_text text_color=\"#555555\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\"]<strong class=\"pred\">Merchant digital payment acceptance is still low at 5%. Why is small merchants / business digitisation particularly thorny? What do you think are key strategies that should <div style=\"display:none\"><a href=\"http://love-pills.site/love-pills-blog/in-what-poses-can-a-penis-be-injured.html\" title=\"In what poses can a penis be injured?\">In what poses can a penis be injured?</a></div> be applied? </strong>\r\n\r\nSMEs collect cash because cash gives them the option to determine whether to pay tax on it or otherwise. It is also driven by value chain. A lot of industries have their entire value chains in cash. Letï¿½s take an example of a grocery store that buys certain cooked material from a family. The family operation is simple and anyway below the threshold that attracts tax. So, they accept payment in cash. And what originates in cash has a strong tendency to stay in cash. Cash allows the small businesses to save on the (applicable) tax. So, the biggest game changer could be if policymakers incrementally reduce the tax incidence on every additional INR brought back into the formal economy. Letï¿½s say a business has income of INR 100 of which INR 50 is taxable and INR 50 is in cash. What if I (taxman) keep incrementally reducing the tax rate for every extra Rupee (from cash component of the income) brought into the system. That would incentivize businesses to bring their transactions in the formal economy and migration (to digital payments) because the small business is going to trade-off the costs of cash against the peace of mind (with formalization). But tax reform is a bold decision; someone will have to do that.\r\n\r\n&nbsp;\r\n\r\n<strong class=\"pred\">Following up on that how does GST regime interplay with what you just said? </strong>\r\n\r\nAn interesting point. There are only two modes now; either you are GST compliant or you are end-to-end cash. GST still leaves the end-to-end cash business models out of its scope. So, we have still not grabbed the bull by the horns. Each segment has a value chain. And wherever in the value chain, the origin is cash, the value-chain has to <div style=\"display:none\"><a href=\"http://lestraditions.be/vardenafil/acheter-vriligy-60mg-en-belgique.html\">Acheter Vriligy 60mg En Belgique</a></div> follow. It is a bit like culture. Just like culture, digitization works from upstream.\r\n\r\n&nbsp;\r\n\r\n<strong class=\"pred\">Do you see the potential of <div style=\"display:none\"><a href=\"https://www.cucoltrepomantovano.it/wordfence/\" title=\"Cialis em Portugal\">Cialis em Portugal</a></div> VAS like credit to act as a hook for digitizing payments?</strong>\r\n\r\nWe need to look at these as core services rather than VAS. Payments is a horizontal layer on which we need to build on. I am a strong believer in convergence philosophy. We have already seen it in the context of television and mobile phones. The next convergence ought to be in the financial services space. Payments is a layer that needs to be topped up with other verticals based on the need of the consumer. Convergence is especially important from a regulatory perspective because the cost of delivery in the last mile is so high. Unless you integrate, expanding would be difficult. Today, we have three regulators, each operating with their worldview; for example, we need a KYC to open a bank account, another for a credit card and then again, another for opening a depositary account. Why canï¿½t I use one KYC interaction for doing several things and interface with the KYC compliance only if there is change in my relevant co-ordinates for example. Look at Aadhaar as another example. The regulations permit e-KYC but mandate a physical KYC within one year of e-KYC. So, how are we digitizing? How are we reducing the cost of delivering services? This may actually increase the cost of services. And why do you even need it? If you need physical KYC why permit e-KYC. [/vc_column_text][vc_empty_space height=\"7px\"][vc_column_text text_color=\"#555555\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\"]<strong class=\"pred\">The new regulations for pre-paid instruments requires KYC that is thwarting the business model. On the other hand the regulations have enabled interoperability. Do you think there is a business case for interoperability? How do you see this playing out?</strong>\r\n\r\nBanking and payments (engender) different risks and should be treated as such. In India however, owing to the industry and regulatory structure (where banking regulator is the same as Payments regulator), all the regulatory and policy requirements for payments instruments mirror that of banks including say KYC. For instance on the one hand, gold is ï¿½PMLA-exemptï¿½ (one can buy gold worth INR 200,000 without any KYC), we need to get full-KYC to do an INR 10,000 transaction through a wallet. That reflects a flawed understanding of risks in banking and payments. We need to regulate payment instruments in terms of the (analogue instrument they mimic) i.e. cash and not like banking.\r\n\r\nAs far as interoperability is concerned, there is a use-case for bank and non-bank interoperability for instance. It not just helps the non-banks but also the banks because interoperability creates a touch-point for banks to interact (with the next unique set of customers including who have been hitherto dealing in cash). Our submission to the regulator was to give the consumer the option to upgrade to KYC and opt into interoperability. Making KYC mandatory and linking it with the ability to operate the wallet itself may have a negative unintended outcomes; for instance, in the migrant labourer segment. The use-case to remit the money exists, the service providers also exist. What happens when the migrant labourer canï¿½t use his wallet to make the remittance? Nothing to stop a given service provider from finding out the end destination of the remittance, picking up the phone and telling its associate to deliver cash in that location (after having receiving the amount at point of origin from the migrant labourer). So, formal economy that has emerged around remittances may all of a sudden give way to informal ï¿½hawalaï¿½ markets. So, we need to understand the (unintended) implications.\r\n\r\n&nbsp;\r\n\r\n<strong class=\"pred\">Letï¿½s compare India to China from a behavioural perspective. Where does Indian story differ from China (where there is a QR Code revolution)? </strong>\r\n\r\nWith wallet interoperability coming in, the QR Code and wallet interoperability design has the potential to expand the market. But the core issue still remains. Unless the merchant is incentivized in the value proposition, he may find ways to not use the QR Code solution often enough.\r\n\r\n&nbsp;\r\n\r\n<strong class=\"pred\">Coming to innovation in the fintech space, is good mass scale innovation getting financed in India? </strong>\r\n\r\nAn interesting question! There seems to be a perception among stakeholders that anything that is a ï¿½cool, shiny objectï¿½ is innovation. So, innovation in India is skewed in favour of the top 10% of the market that is already fully included. They are not going to expand the market. However all innovation seems to be happening for that ï¿½upper crustï¿½. And funding also by default has followed that segment. That chokes the business model (by reducing margins). On the other hand, the excluded segment still remains undersupplied because even though it may solve a significant problem, the product that may potentially solve the problem is a rudimentary solution, not glamorous. But that is a real gold mine! Businesses that seek to value for these (new) markets are still not getting funding enough easily and not at the right value. The reality is that if you want sustainable business models, especially in fintech, you need to target the middle. If you solve those problems, you would have a sustainable business model, a profitable business model, but it is not glamorous. So, I think somewhere the investors need to think about exploiting the opportunity in the middle. [/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]', 'Interview with Mr. Navin Surya, Chairman, Payments Council of India', 'What are the two biggest hits and misses respectively in the recent development of India’s digital payments ecosystem from your vantage point, as they relate to financial inclusion?', 'publish', 'closed', 'open', '', 'interview-mr-naveen-surya-chairman-payments-council-india', '', '', '2018-04-04 10:22:51', '2018-04-04 10:22:51', '', 0, 'http://cashlesscatalyst.org/?p=13085', 20, 'post', '', 0),
(14733, 13, '2018-05-31 13:23:41', '2018-05-31 13:23:41', '', 'Paynearby_Story01', '', 'inherit', 'closed', 'closed', '', 'paynearby_story01', '', '', '2018-05-31 13:23:41', '2018-05-31 13:23:41', '', 14725, 'http://cashlesscatalyst.org/wp-content/uploads/2018/05/Paynearby_Story01.png', 0, 'attachment', 'image/png', 0),
(14734, 13, '2018-05-31 13:25:50', '2018-05-31 13:25:50', '', 'Paynearby_Story02', '', 'inherit', 'closed', 'closed', '', 'paynearby_story02', '', '', '2018-05-31 13:25:50', '2018-05-31 13:25:50', '', 14725, 'http://cashlesscatalyst.org/wp-content/uploads/2018/05/Paynearby_Story02.png', 0, 'attachment', 'image/png', 0),
(13643, 13, '2018-05-07 12:14:06', '2018-05-07 12:14:06', '[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=\"13653\"][vc_column][kleo_gap size=\"100px\"][vc_row_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][vc_column_inner el_class=\"uppercase\" width=\"2/3\"][vc_custom_heading text=\"Kaleidofin… advancing financial inclusion through data analytics\" 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_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/2018/05/Kaleidofin_Story.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_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"13657\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1525697937992{padding-top: 17px !important;}\"][/vc_column_inner][vc_column_inner width=\"3/4\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]“The digital start-up space has seen a lot of new entrants in recent times. We at Kaleidofin offer a paperless, cashless on-boarding of customer-using technology and analytics. A lot of what we do today is possible because of India Stack’s enabling frameworks like eSIGN, eNACH and eKYC” says Sucharita, co-founder at Kaleidofin. The founders of Kaleidofin, Sucharita Mukherjee and Puneet Gupta, have been working in the financial inclusion space for over a decade now.\r\n\r\n“Buying financial solutions need to be a simple process and more importantly, a simple conversation for any customer, and most importantly that for the informal, under-banked customer” believes Kaleidofin’s solution team. They strongly believe in providing tailored and intuitive solutions that propel their customers to meet their real-life goals. They further add, “Financial planning for this segment is not a simple exercise due to the kind of risk matching that needs to be undertaken for them. The process entails selection of the right instruments, understanding tenures, mapping multiple avenues, juggling through various goal types and can be a complex exercise even for the educated.”[/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\" el_class=\"uppercase\" bg_image=\"13660\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"13650\" alignment=\"center\"][vc_custom_heading text=\"A PROMISE TO FULFIL YOUR GOALS\" font_container=\"tag:h2|font_size:36px|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_1525696721111{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" 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=\"\"]\r\n<p style=\"text-align: left;\">It’s a myth that under-banked customers don’t save, as people do save through informal instruments. They need an avenue that they can trust and find convenient enough to save in. Kaleidofin aims to create such a digital financial services platform that leverages technology, data, design and networks to provide such financial solutions to 600 million financially excluded customers in India.</p>\r\n<p style=\"text-align: left;\">Goal-based wealth management creates a better connect with most customers. Coupled with a nudge at the right time and at a convenient point of access, it leads to higher adoption. A pilot implementation of the tool in Ahmedabad suggested that when customer aspirations were tied to milestones, such as purchase of a house, a child’s marriage, daughter’s education, business expansion, the customer actively participated in these decisions and saved to achieve his/her goal.</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=\"\"]\r\n<p style=\"text-align: left;\">Kaleidofin realizes that many of their customers do not own a smartphone and thus the start-up on-boards their last-mile clients through a tech-driven, assisted financial solution management tool. Kaleidofin’s partnership with SEWA Bank is a unique relationship as there are lots of synergies. While the organization sees several synergies with SEWA’s work, what Kaleidofin brings to this partnership is a customer segmentation approach by institutionalizing customer insights and digitization of key processes that support SEWA bank in scaling up. Kaleidofin uses data analytics to address this gap, by codifying processes which can be transferred across multiple geographies.</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\" el_class=\"uppercase\" bg_image=\"13664\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"13648\" alignment=\"center\"][vc_custom_heading text=\"Use data analytics for creating scalable solutions\" font_container=\"tag:h2|font_size:36px|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_1525696919455{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_image=\"7841\"][vc_column][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]Anecdotally, their insights team explains “We launched our first pilot in Ahmedabad, where we are scaling up today and are launching another pilot with NBFC Sonata Finance, in Samastipur district, Bihar. The customer profile in both the locations consists of financially excluded / underbanked clients. However, in Ahmedabad our smartphone app asks the customer if the households own a washing machine to infer if it’s a women-led household, while in Bihar, we ask if the household uses LPG gas to cook. These are relative indicators but the starkness in how the customer profile is analyzed explains it all. And that is where granular data helps.”[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_video link=\"https://www.youtube.com/watch?v=lyOy62lqnSY\"][/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\" el_class=\"uppercase\" bg_image=\"13662\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"13649\" alignment=\"center\"][vc_custom_heading text=\"Kaleidofin will create a holistic impact in the life of its customers \" font_container=\"tag:h2|font_size:36px|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_1525696904097{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" 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=\"\"]\r\n<p style=\"text-align: left;\">Kaleidofin finds that, it is most important to remain customer centric and think from their shoes and suggests “We understand that as we expand, many things will change, the cultural context, occupation structure, income-wise classes, gender dynamics, are different and we need to tune ourselves with the local markets. The best thing about us is that we did not start with the-one-size-fits-all bias. We believe our solution is modular, configurable and can be customized to any customer profile!”</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=\"\"]\r\n<p style=\"text-align: left;\">The team is excited about its new partnership with SEWA Bharat (sister concern of SEWA Bank) - an NGO working across 13 states in India. This is the first time they are partnering with a non-financial solution provider. It will be a big challenge as they aim to empanel 4,000 families and make a difference in their lives. Puneet, co-founder, adds “In Jaipur, we have a smooth take off as Catalyst Incubator* is supporting us along with other innovative fintech solutions who are addressing needs of similar underserved market segments.”</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\"][vc_column][vc_row_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: left;\">So, where do they see Kaleidofin a decade from now? Puneet believes “Right from thinking about their daughter’s annual school fee payment to saving for long-term goals such as retirement, we want to our customers to see us as a partner in their life journey - a partner that helps them realise the unlimited\r\npossibilities that life holds for them.”</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=\"\"]\r\n<p style=\"text-align: left;\">*Through the Incubator Program-Fintech for the last mile, Catalyst is enabling five start-ups by providing them financial support, market access, mentorship, technology infrastructure, research and operations support.</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][kleo_divider][/vc_column][/vc_row][vc_row][vc_column][kleo_button title=\"Download\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/05/Kaleidofin_Story.pdf\" target=\"_blank\" position=\"center\" size=\"lg\" type=\"boxed-icon\" special=\"no\" icon=\"download\" font_size=\"14\" letter_spacing=\"\" el_class=\"pkirbtn\" icon_custom_background=\"#d11e3c\" icon_custom_text=\"#ffffff\"][/vc_column][/vc_row]', 'Kaleidofin…advancing financial inclusion through data analytics', '', 'publish', 'closed', 'closed', '', 'kaleidofinadvancing-financial-inclusion-data-analytics', '', '', '2018-11-15 07:39:03', '2018-11-15 07:39:03', '', 0, 'http://cashlesscatalyst.org/?page_id=13643', 0, 'page', '', 0),
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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
(12700, 12, '2018-03-19 07:14:03', '2018-03-19 07:14:03', '[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=\"12751\"][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=\"DIGITISING KHATTA SYSTEM - JOURNEY OF MERAPAPER\" 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_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/2018/03/Merapaper_Story.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_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"12775\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1521468095205{padding-top: 17px !important;}\"][/vc_column_inner][vc_column_inner width=\"3/4\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]Newspaper vendors, the phantom superheroes working into the depth of the night, have life stories far more interesting than those we read with our morning coffee – stories that the same vendors diligently bring to us, come rain or shine. Their days begin a little past midnight and their careers spread across decades as they sort, sift and serve their ware to the comfort our homes.\r\n\r\nHaving witnessed the stories of their incredible lives first hand, Gaurav Karwa, founder and CEO of Merapaper, set his heart on making a change. Hailing from the Sangaria tehsil in Rajasthan, Karwa grew up in a family of newspaper distributors, one that had been in business for 70 odd years. Started by his grandfather and continued by his journalist father, Karwa’s family business has a customer base of over 2,000 newspaper readers. However, Karwa chose to pursue a life very different from the one he had lived so far. He chose to go for higher studies and graduated with a B.Tech in Electronic Engineering from Bits Pilani in 2012.\r\n\r\nFour years after his graduation, as Karwa celebrated his birthday on 8 th November 2016, news of demonetization sent shockwaves across the country. He watched his family struggle to receive payments as cash became a scarcity in a society that was unequipped to adopt digital payment systems. Identifying an opportunity and capitalizing on his training, Karwa put his one true family inheritance – a keen sense of business – to immediate use. He returned to his roots and set to work on developing his brainchild, Merapaper from a mere idea to an actual product.\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=\"12747\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"12732\" alignment=\"center\"][vc_custom_heading text=\"SIMPLE AND INNOVATIVE PAYMENT SOLUTION\" font_container=\"tag:h2|font_size:36px|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_1521447772234{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" 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=\"\"]\r\n<p style=\"text-align: left;\">The Merapaper mobile application is a simple and innovative payment digitization solution that aims to revolutionize the time intensive, cash dependent and high frequency payment collection process. As the product took shape, Karwa was joined by two of his batch mates from college, Parth Gupta and Jagdish Ghuge. By February 2017, the trio released a beta version of Merapaper and started their search for funding.</p>\r\n<p style=\"text-align: left;\">Karwa identifies the lack of trust within the newspaper vending community and their own lack entrepreneurial expertise as the two key challenges they had to overcome initially.</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=\"\"]\r\n<p style=\"text-align: left;\">They tackled these issues by engaging regularly with the vendors, accompanying them on their hawking trips every day at 3 am to engage with them to get a first-hand view of the processes, learn about their fears and listen to their aspirations. These early morning trips not only helped them to build a grounded network within the community, but also facilitated their aim of educating and on-boarding new vendors.</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=\"12746\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"12724\" alignment=\"center\"][vc_custom_heading text=\"CLIENT SIZE OF 150-200 VENDORS\" font_container=\"tag:h2|font_size:36px|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_1521448239758{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_image=\"7841\"][vc_column][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]Today, Merapaper boasts of a client size of 150-200 vendors – or as the founders claim, about 70 per cent of the total vendors in Jaipur. In fact, the mobile application has also been organically adopted by vendors and distributors from other states of India, such as Maharashtra and Kerala as well. [/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=\"12749\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"12722\" alignment=\"center\"][vc_custom_heading text=\"EXCITED AND OPTIMISTIC ABOUT THE FUTURE\" font_container=\"tag:h2|font_size:36px|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_1521448473609{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" 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=\"\"]\r\n<p style=\"text-align: left;\">This deep-rooted pessimism and inertia has prevented many vendors from openly accepting the solution. Karwa is quick to assert that such success was difficult to achieve and has cautioned his team. So today, they consider a vendor-educating and on-boarding process successful only if the vendor has recorded digital payments for at least three continuous months. Furthermore, the operationally heavy task of educating customers on basic accounting processes and the use of digital payment systems leaves the team struggling for breath. There is also a rather curious fear among vendors who fear that the company, like many other start-ups, will become bankrupt.</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=\"\"]\r\n<p style=\"text-align: left;\">Karwa claims that he still needs to be on the field at 3 am at least 20 days of a month to maintain his rapport with vendors to not risk abandonment.</p>\r\n<p style=\"text-align: left;\">In spite of all these challenges, the Merapaper team, now comprising over 10 members, is excited and optimistic about the future. They plan to convert 20% of all newspaper payments in Jaipur to digital systems and hope to branch out into payment digitization of other subscription-based services such as milk and tiffin deliveries within three years. Karwa is also keen on expanding operations to other Tier-II cities, such as Indore and Bhopal soon.</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=\"12750\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"12721\" alignment=\"center\"][vc_custom_heading text=\"HUGE SCOPE FOR IMPROVING OPERATIONAL EFFICIENCY\" font_container=\"tag:h2|font_size:36px|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_1521448702906{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" 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=\"\"]\r\n<p style=\"text-align: left;\">In the past four months, since the application was first tested in collaboration with Catalyst, digital payments to partner vendors by last-mile consumers has risen. The effort has opened up a huge scope for improving operational efficiency, and on-boarding low-income customers onto the digital payment landscape.</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=\"\"]\r\n<p style=\"text-align: left;\">“I have been using Merapaper since August’2017. Earlier, I use to spend 10 - 12 hours maintaining balance books. The bill books would cost me Rs. 500. With this app, life has become much easier. I can generate bills online, and share the links through WhatsApp, with my clients. I’m planning to do most of my collection through Merapaper app linked to BHIM/Paytm. I’m sure many vendors like me, will start using this service.”</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row][vc_column][kleo_button title=\"Download\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/03/Merapaper_Story.pdf\" target=\"_blank\" position=\"center\" size=\"lg\" type=\"boxed-icon\" special=\"no\" icon=\"download\" font_size=\"14\" letter_spacing=\"\" el_class=\"pkirbtn\" icon_custom_background=\"#d11e3c\" icon_custom_text=\"#ffffff\"][/vc_column][/vc_row]', 'merapaper_story', '', 'publish', 'closed', 'closed', '', 'merapaper_story', '', '', '2018-11-15 07:11:30', '2018-11-15 07:11:30', '', 0, 'http://cashlesscatalyst.org/?page_id=12700', 0, 'page', '', 0),
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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_1547468373472{margin-left: -15px !important;padding-right: 5% !important;padding-bottom: 0px !important;padding-left: 0% !important;}\" el_class=\"stories_tab\"][vc_row_inner equal_height=\"yes\" gap=\"30\" el_class=\"lnContainer\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1531488051886{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"40073\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/ivrs-story/\"][vc_custom_heading text=\"Testing IVRS as a tool to promote digital payment\r\nadoption among micro and small merchants\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|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=\"\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fivrs-story%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1547616796644{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"January,2019\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" 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=\"\" css=\".vc_custom_1547468750806{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][/vc_row_inner][vc_separator css=\".vc_custom_1523043741148{margin-left: -15px !important;}\"][vc_custom_heading text=\"Digitizing low income clusters\" font_container=\"tag:h3|font_size:22px|text_align:left|color:%23d11e3c|line_height:30px\" 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_1531487404051{margin-left: -15px !important;padding-right: 5% !important;padding-bottom: 0px !important;padding-left: 0% !important;}\"][vc_row_inner equal_height=\"yes\" gap=\"30\" el_class=\"lnContainer\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1545213125068{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"39674\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/promoting-digital-payment-solutions-canopy-stores/\"][vc_custom_heading text=\"Promoting digital payment solutions through canopy stores\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|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=\"\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fpromoting-digital-payment-solutions-canopy-stores%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1545213211200{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Dec, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" 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=\"\" css=\".vc_custom_1545213666529{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1536558918464{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"25837\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/enroute-lakshya-power-savings-meet-unending-possibilities/\"][vc_custom_heading text=\"Enroute Lakshya – Power of savings to meet unending possibilities\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|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=\"\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fenroute-lakshya-power-savings-meet-unending-possibilities%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1543956117052{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Nov, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" 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=\"\" css=\".vc_custom_1542371801874{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1536558925414{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"24541\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/gen-next-chit-funds-dusty-dabbas-digital-khaatas/\"][vc_custom_heading text=\"Gen-Next Chit Funds — From Dusty Dabbas To Digital Khaatas\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|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=\"\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fgen-next-chit-funds-dusty-dabbas-digital-khaatas%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1543956233996{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Nov, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" 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=\"\" css=\".vc_custom_1542371809798{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1536933593159{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"26103\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/educating-low-income-clusters-benefits-active-banking-digital-payment-solutions/\"][vc_custom_heading text=\"Educating the low-income clusters about benefits of active banking and digital payment solutions\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|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=\"\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Feducating-low-income-clusters-benefits-active-banking-digital-payment-solutions%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1536930607494{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Aug, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" 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=\"\" css=\".vc_custom_1536930566724{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][/vc_row_inner][vc_separator css=\".vc_custom_1523043741148{margin-left: -15px !important;}\"][vc_custom_heading text=\"Credit as a hook\" font_container=\"tag:h3|font_size:22px|text_align:left|color:%23d11e3c|line_height:30px\" 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_1536559474462{margin-left: -15px !important;padding-right: 5% !important;padding-bottom: 0px !important;padding-left: 0% !important;}\"][vc_row_inner equal_height=\"yes\" gap=\"30\" el_class=\"lnContainer\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1542472436180{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"39391\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/can-hunger-growth-lead-early-adoption-digital-payment-solutions/\"][vc_custom_heading text=\"Can hunger for growth lead to early adoption of digital payment solutions?\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|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=\"\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fcan-hunger-growth-lead-early-adoption-digital-payment-solutions%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1542472375458{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Aug, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" 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=\"\" css=\".vc_custom_1536399355023{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1542472472919{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"39390\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/trust-mpos-machines-biggest-concern-among-merchants-jaipur/\"][vc_custom_heading text=\"Trust in mPoS machines is the biggest concern among merchants in Jaipur\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|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=\"\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Ftrust-mpos-machines-biggest-concern-among-merchants-jaipur%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1542472335381{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Aug, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" 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=\"\" css=\".vc_custom_1536399355023{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1536558918464{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"25869\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/digital-financial-inclusion-women/\"][vc_custom_heading text=\"Digital Financial Inclusion of Women\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|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=\"\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fdigital-financial-inclusion-women%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1536559545656{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Aug, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" 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=\"\" css=\".vc_custom_1536399355023{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][/vc_row_inner][vc_separator css=\".vc_custom_1523043741148{margin-left: -15px !important;}\"][vc_row_inner gap=\"30\" el_class=\"lnContainer\"][vc_column_inner][vc_custom_heading text=\"eMitra\" font_container=\"tag:h3|font_size:22px|text_align:left|color:%23d11e3c|line_height:30px\" 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_1523043958090{margin-left: -15px !important;padding-right: 5% !important;padding-bottom: 0px !important;padding-left: 0% !important;}\" el_class=\"stories_tab\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" gap=\"30\" el_class=\"lnContainer\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1535623824149{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"25641\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/opportunity-growth-small-merchants-emitras/\"][vc_custom_heading text=\"Opportunity and growth for small merchants with eMitras\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|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=\"\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Fopportunity-growth-small-merchants-emitras%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1535623575523{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Aug, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" 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=\"\" css=\".vc_custom_1535623546451{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1521531052200{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"12641\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/tuning-sound-digital-transactions/\"][vc_custom_heading text=\"Tuning into the sound of digital transactions\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|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=\"\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Ftuning-sound-digital-transactions%2F||target:%20_blank|\" el_class=\"lnContainerTitle\" css=\".vc_custom_1521532474337{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Jan, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" 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=\"\" css=\".vc_custom_1521209607767{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1520668172942{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"12643\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/digital-good-business-adds-value-consumers/\"][vc_custom_heading text=\"Digital is good for business, adds value for consumers\" font_container=\"tag:h3|font_size:18px|text_align:left|color:%23040707|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=\"\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Fdigital-good-business-adds-value-consumers%2F|||\" el_class=\"lnContainerTitle stories-title\" css=\".vc_custom_1521545162510{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Jan, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" 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=\"\" css=\".vc_custom_1521209635727{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1535623707278{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"12642\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/age-just-number-comes-digital-payments/\"][vc_custom_heading text=\"Age just a number when it comes to digital payments\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|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=\"\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Fage-just-number-comes-digital-payments%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1520668128753{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Jan, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" 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=\"\" css=\".vc_custom_1521209625065{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][/vc_row_inner][vc_separator css=\".vc_custom_1523043741148{margin-left: -15px !important;}\"][vc_custom_heading text=\"Digitizing small merchants\" font_container=\"tag:h3|font_size:22px|text_align:left|color:%23d11e3c|line_height:30px\" 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_1523043992655{margin-left: -15px !important;padding-right: 5% !important;padding-bottom: 0px !important;padding-left: 0% !important;}\"][vc_row_inner equal_height=\"yes\" gap=\"30\" el_class=\"lnContainer\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1531488051886{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"24540\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/unlocking-finance-small-merchants-digital-data-digital-credit/\"][vc_custom_heading text=\"Unlocking finance for small merchants — from digital data to digital credit\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|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=\"\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Funlocking-finance-small-merchants-digital-data-digital-credit%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1531483887950{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"July, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" 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=\"\" css=\".vc_custom_1531483516928{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1531487725294{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"13293\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/in-bhim-we-trust\"][vc_custom_heading text=\"In BHIM we trust\" 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css=\".vc_custom_1523043741148{margin-left: -15px !important;}\"][vc_custom_heading text=\"Incubator\" font_container=\"tag:h3|font_size:22px|text_align:left|color:%23d11e3c|line_height:30px\" 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_1525830376563{margin-left: -15px !important;padding-right: 5% !important;padding-bottom: 0px !important;padding-left: 0% !important;}\"][vc_row_inner equal_height=\"yes\" gap=\"30\" el_class=\"lnContainer\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1520668008633{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"13755\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/kaleidofinadvancing-financial-inclusion-data-analytics/\"][vc_custom_heading text=\"Kaleidofin… advancing financial inclusion through data analytics \" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|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=\"\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Fkaleidofinadvancing-financial-inclusion-data-analytics%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1525831377648{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"May, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" 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=\"\" css=\".vc_custom_1525830797823{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1527852602192{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"13756\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/paybee-lets-buzz-payments/\"][vc_custom_heading text=\"PayBee… lets buzz payments \" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|line_height:24px\" 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css=\".vc_custom_1523043753078{margin-left: -15px !important;}\"][vc_custom_heading text=\"Mera Paper\" font_container=\"tag:h3|font_size:22px|text_align:left|color:%23d11e3c|line_height:30px\" 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_1523043981077{margin-left: -15px !important;padding-right: 5% !important;padding-bottom: 0px !important;padding-left: 0% !important;}\"][vc_row_inner equal_height=\"yes\" gap=\"30\" el_class=\"lnContainer\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1520668008633{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"13295\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/merapaper_story/\"][vc_custom_heading text=\"Digitising Khatta system - Journey of MeraPaper\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|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=\"\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Fmerapaper_story%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1521532184955{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"March, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" 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(11327, 1, '2017-09-12 07:37:58', '2017-09-12 07:37:58', '<div><iframe style=\"border: none; overflow: hidden;\" src=\"https://www.facebook.com/plugins/video.php?href=https%3A%2F%2Fwww.facebook.com%2FCashlessCatalyst%2Fvideos%2F425373454531093%2F&amp;show_text=0&amp;width=560\" width=\"560\" height=\"300\" frameborder=\"0\" scrolling=\"no\" allowfullscreen=\"allowfullscreen\"></iframe></div>', 'Viveks Video', '', 'publish', 'closed', 'closed', '', 'viveks-video', '', '', '2018-03-23 15:43:11', '2018-03-23 15:43:11', '', 0, 'http://cashlesscatalyst.org/?post_type=popup&#038;p=11327', 0, 'popup', '', 0),
(11335, 1, '2017-09-12 08:53:10', '2017-09-12 08:53:10', '[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> Odeon Social, New Delhi\r\n\r\nWith just about a week to go for the last date of submission for the <a href=\"http://cashlesscatalyst.org/incubator/\">Catalyst Incubator call</a>, a small but enthusiastic audience participated in a discussion to explore the opportunity and what makes it special. The venue was Odeon Social in New Delhi and the speaker for the day was <a href=\"http://cashlesscatalyst.org/author/vivek/\">Vivekdeep Gupta</a>, Associate Director Strategic Innovations at Catalyst.\r\n\r\nOn an overcast evening, the conversation began with the broader work that Catalyst does to enable low-income consumers and merchants to move to a less-cash ecosystem and towards financial inclusion.\r\n\r\nVivekdeep soon took the stage, drawing the line of conversation ahead to explain how the last mile digital transaction enablement is linked with the idea of the Incubator, and the future trajectory of #Fintech solutions to be supported through the incubator project.\r\nVivekdeep highlighted that solutions to enable and empower the last mile to access digital payments need to be supported and nurtured through funding, mentorship, and linkage to a vast network of partners working in the area.\r\n\r\n<img class=\"aligncenter size-full wp-image-11343\" src=\"http://cashlesscatalyst.org/wp-content/uploads/2017/09/Interaction-img.jpg\" alt=\"\" width=\"800\" height=\"450\" />\r\n\r\nAs the formal presentation came to a close, the cups of hot tea and biscuits drew the audience into small groups buzzing with conversations under the warm yellow incandescent lights.\r\n\r\nThe participants sought information about the long-term support, design and research inputs and mentorship that the shortlisted solutions will receive as a part of the journey with the Catalyst Incubator.\r\n\r\n<img class=\"aligncenter size-full wp-image-11351\" src=\"http://cashlesscatalyst.org/wp-content/uploads/2017/09/fccincu.jpg\" alt=\"\" width=\"800\" height=\"450\" />\r\n\r\nVivekdeep also threw in details as a sneak peak of the remarkable solution ideas that have already come in from companies and organizations. He added that the simplicity of solutions and context specific approach seems to be a cross-cutting and defining trait for most of these.\r\n\r\nThe entries range from newspaper bill payment digitization as a value-added service for vendors, with a potential to digitize consumers in large numbers to customized loan solutions for housewives who need to bridge the monthly budget with dynamic repayment options.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]', 'Fintech charcha on Catalyst Incubator', 'With just about a week to go for the last date of submission for the Catalyst Incubator call, a small but enthusiastic audience participated in a discussion to explore the opportunity and what makes it special.  ', 'publish', 'closed', 'open', '', 'fintech-charcha-catalyst-incubator', '', '', '2017-09-13 13:24:56', '2017-09-13 13:24:56', '', 0, 'http://cashlesscatalyst.org/?p=11335', 26, 'post', '', 0),
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(9346, 1, '2017-02-24 08:48:59', '2017-02-24 08:48:59', '[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=\"10060\"][vc_column][vc_row_inner inner_container=\"yes\" min_height=\"899px\" bg_pos_h=\"center\" bg_pos_v=\"top\" css=\".vc_custom_1483077947446{background-image: url(https://cashlesscatalyst.org/wp-content/uploads/2015/11/triangle-banner1.png?id=7987) !important;background-position: 0 0 !important;background-repeat: no-repeat !important;}\" el_id=\"white-triangle\"][vc_column_inner el_class=\"pzindex\" offset=\"vc_col-lg-6 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=\"ABOUT US\" font_container=\"tag:h1|font_size:36px|text_align:left|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\" vertical_separator=\"yes\" letter_spacing=\"\" letter-spacing=\"75\"]Catalyst is an initiative funded by United States Agency for International Development (USAID) under the mSTAR Program to increase adoption of digital payments in India, using a targeted ecosystem approach.\r\n\r\nOur vision is to realize an inclusive digital economy that meets the needs of all Indians.[/vc_column_text][/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=\"290px\" visibility=\"visible-xs,visible-sm\"][kleo_gap size=\"634px\" visibility=\"visible-md,visible-lg\"][vc_single_image image=\"7820\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"navigating-unchartered-waters\" type=\"image\" bg_color=\"#ffffff\" bg_repeat=\"repeat\" padding_top=\"\" padding_bottom=\"\"][vc_column][kleo_magic_container position=\"absolute\" top=\"0px\" left=\"50%\" min_height=\"521px\" width=\"2560px\" css=\".vc_custom_1486370275881{margin-left: -1145px !important;background-image: url(https://cashlesscatalyst.org/wp-content/uploads/2015/11/home-banner-triangle.png?id=7813) !important;background-position: 0 0 !important;background-repeat: no-repeat !important;}\"][/kleo_magic_container][vc_row_inner equal_height=\"yes\" css=\".vc_custom_1486361953253{margin-bottom: 20px !important;padding-top: 5% !important;padding-right: 5% !important;padding-left: 5% !important;background-color: #ffffff !important;}\"][vc_column_inner css=\".vc_custom_1486361714089{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"THE CONTEXT: NAVIGATING UNCHARTERED WATERS\" 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_1487929448061{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">India is just starting its digital payments journey. Currently, its performance trails other BRIC nations -- Brazil, Russia, and China. In 2014, just over 50 percent of Indian adults held an account with a financial institution compared with nearly 70 percent of adults in other BRIC economies.</p>\r\n[/vc_column_text][vc_empty_space height=\"20px\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text font_size=\"17px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1488780203409{padding-right: 5.5% !important;padding-left: 5.5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong>Digitization of person to merchant expenditure</strong></p>\r\n[/vc_column_text][vc_single_image image=\"12347\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1520528382671{margin-bottom: 10px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text font_size=\"17px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1488780103405{padding-right: 2.5% !important;padding-left: 2.5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong>Digitization of small retailer to supplier payments</strong></p>\r\n[/vc_column_text][vc_single_image image=\"8955\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1487930203111{margin-bottom: 10px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text font_size=\"17px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1487930070492{padding-right: 2.5% !important;padding-left: 2.5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong>Penetration of merchant digital payment acceptance</strong></p>\r\n[/vc_column_text][vc_single_image image=\"12591\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1521196337938{margin-bottom: 10px !important;}\"][/vc_column_inner][vc_column_inner][vc_column_text text_color=\"#1e73be\" font_size=\"14px\" letter_spacing=\"\"]\r\n<p style=\"text-align: right;\"><a style=\"color: #2b45d6;\" href=\"http://www.visa.co.in/aboutvisa/research/include/Digital_Payments_India.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Source</a></p>\r\n[/vc_column_text][kleo_gap size=\"40px\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<span style=\"color: #d11e3c;\"><a style=\"color: #d11e3c;\" href=\"https://www.globalinnovationexchange.org/beyond-cash\" target=\"_blank\" rel=\"noopener noreferrer\">Our own survey research</a></span> shows that 97 percent of retail transactions are conducted in cash or check; only 6 percent of merchants accept digital payments; and just over 10 percent consumers have used a debit card for payments in the last year in India.[/vc_column_text][vc_column_text font_size=\"16px\" letter_spacing=\"\"]However, Indians are now better financially and digitally connected than ever before. This reflects in the growth in Jan Dhan bank accounts for the poor, Aadhaar registrations which provide easy biometric authentication to access services and make transactions, mobile phone accounts, and Internet connectivity. In addition, several fiscal incentives and technology initiatives have been targeted at making India a less cash economy.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"12350\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1520528991452{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Jan Dhan bank accounts</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"9353\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1487932224593{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Aadhaar accounts</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"12352\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1520529246131{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Phone accounts</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"9356\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1487932239744{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Indians with Internet access</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"square-bullet-red\"]<strong>Nevertheless, the digital payments last mile remains fragmented due to several factors: </strong>\r\n<ul>\r\n 	<li><span style=\"color: #373a3a;\">There are far too few digital payment acceptance points for consumer comfort</span></li>\r\n 	<li><span style=\"color: #373a3a;\">From the merchants’ perspective, there is insufficient demand from consumers</span></li>\r\n 	<li><span style=\"color: #373a3a;\">Synergies across service providers (payment infrastructure companies, banks, fintech innovators) are under-tapped in the absence of market facilitation mechanisms</span></li>\r\n 	<li><span style=\"color: #373a3a;\">Regulation lags behind innovation; this imbalance prevents a degree of customer protection needed for the functioning of a healthy market</span></li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row disable_element=\"yes\" front_status=\"draft\"][vc_column][vc_row_inner css=\".vc_custom_1487942020748{margin-bottom: 50px !important;}\"][vc_column_inner][vc_custom_heading text=\"Our research into Indian consumer and merchant behavior has generated interesting insights on how to catalyze last mile payments.\" font_container=\"tag:h3|font_size:24px|text_align:center|color:%23d11e3c|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=\"\"][vc_column_text text_color=\"#373a3a\" font_size=\"24px\" font_weight=\"bold\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Key Insights for Consumers</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9365\" img_size=\"full\" css=\".vc_custom_1487934180340{margin-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<strong>Create opportunities for daily use</strong>\r\n\r\nHigh-frequency low-value transactions (such as managing loose change, tracking expenses, etc.) are a better catalyst than low-frequency high-value transactions for digital payments habit formation[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9366\" img_size=\"full\" css=\".vc_custom_1487934189037{margin-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<strong>Micro savings are a valuable hook</strong>\r\n\r\nPeople feel that they are unable to be disciplined about their spending targets and end up \"wasting money\" if there is free cash lying at home[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9367\" img_size=\"full\" css=\".vc_custom_1487934195985{margin-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<strong>Communicate and educate benefits</strong>\r\n\r\nMany consumers have limited awareness of digital payments, because they perceive it to be irrelevant; focusing communication on one sharply defined use case with a clear benefit can be an anchor for broader adoption[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9368\" img_size=\"full\" css=\".vc_custom_1487934203651{margin-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<strong>Assisted first time use is important</strong>\r\n\r\nFirst time use of a new digital payment method is tough for users and carries perceived financial risk; assisted first time payments can mitigate this hurdle[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9369\" img_size=\"full\" css=\".vc_custom_1487934209755{margin-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<strong>The payment instrument should match the purchase type\r\n</strong>\r\n\r\nLarger and formal-looking payment products are associated to expensive purchases; similarly, smaller &amp; informal artefacts may get associated to smaller purchases[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#373a3a\" font_size=\"24px\" font_weight=\"bold\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Key Insights for Merchants</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9372\" img_size=\"full\" css=\".vc_custom_1487934171416{margin-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<strong>No upfront costs can increase trials\r\n</strong>\r\n\r\nKeeping a minimum deposit in current accounts for obtaining a POS machine is an impediment to adoption; Merchants prefer models which are transaction linked[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9373\" img_size=\"full\" css=\".vc_custom_1487933926057{margin-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<strong>Consumer demand is the key catalyst</strong>\r\n\r\nMerchants cite lack of consumer demand as the key factor preventing adoption of digital payments; most merchants are willing to adopt payments technology if customers ask for it[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9374\" img_size=\"full\" css=\".vc_custom_1487933974562{margin-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<strong>Digital money + Physical proof</strong>\r\n\r\nA large proportion of users transact through non-digital methods and physical artefacts such as paper receipts help in instilling trust as opposed to non-solid digital receipts[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9375\" img_size=\"full\" css=\".vc_custom_1487935020088{margin-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<strong>Credit as a hook</strong>\r\n\r\nAccess to credit is a more severe pain point than the need to digitize cash, and therefore can be a powerful incentive to bring small merchants on digital payment platforms[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9376\" img_size=\"full\" css=\".vc_custom_1487935042651{margin-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<strong>Cash + Digital hybrids can be important</strong>\r\n\r\nManaging daily change is a significant pain point for merchants and they often have to waste time and money to arrange change[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner css=\".vc_custom_1487938697764{margin-top: 20px !important;}\"][kleo_button title=\"Learn More\" href=\"https://www.globalinnovationexchange.org/beyond-cash\" target=\"_blank\" style=\"custom\" border_width=\"2px\" position=\"center\" size=\"sm\" special=\"no\" border=\"no\" icon=\"0\" font_size=\"14px\" font_weight=\"400\" letter_spacing=\"\" box_shadow_color=\"rgba(43,33,47,0.15)\" box_shadow_x=\"6\" box_shadow_blur=\"18\" el_class=\"hidden\" custom_background=\"#d11e3c\" custom_bg_hover=\"#ffffff\" custom_text=\"#ffffff\" custom_text_hover=\"#d11e3c\" custom_border=\"#d11e3c\" custom_border_hover=\"#ffffff\"][vc_column_text letter_spacing=\"\"]\r\n<p style=\"text-align: center;\"><span class=\"learn-more\"><a style=\"text-decoration: none;\" href=\"https://www.globalinnovationexchange.org/beyond-cash\">Learn More <i class=\"fa fa-angle-right\"></i></a></span></p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][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=\"\"]\r\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>\r\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 disable_element=\"yes\" front_status=\"draft\" type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_row_inner css=\".vc_custom_1487942075495{margin-top: 35px !important;}\"][vc_column_inner css=\".vc_custom_1487942747395{margin-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"Catalyst is investing in three capabilities that can help scale the benefits of its Digital Payment Labs\" font_container=\"tag:h3|font_size:24px|text_align:left|color:%23373a3a|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][vc_single_image image=\"9805\" img_size=\"full\" alignment=\"center\"][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" el_class=\"numeric-points-red\"]\r\n<ol>\r\n 	<li><span style=\"color: #d11e3c;\">Fintech for the Bottom 80</span>\r\n<span style=\"color: #373a3a; font-size: 16px;\">As an incubator that helps visionary entrepreneurs to build new products, processes and interfaces that address the unique needs of hundreds of millions strong as yet underserved segments</span></li>\r\n 	<li><span style=\"color: #d11e3c;\">Data Sharing/Data Vault</span>\r\n<span style=\"color: #373a3a; font-size: 16px;\">As a public utility platform to ease data gathering for regulatory purposes and more efficient data exchange between front-end (e.g., points of sale) and back-end (e.g., digital lenders) players to deliver new and appropriate services (e.g., access to credit) to end users</span></li>\r\n 	<li><span style=\"color: #d11e3c;\">Regulatory Sandbox</span>\r\n<span style=\"color: #373a3a; font-size: 16px;\">As a mechanism for policymakers and regulators to more effectively engage with innovators in a controlled environment, simulate and study new policy environments, develop customer protection systems, and promote policy design based on proof</span></li>\r\n</ol>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" disable_element=\"yes\" front_status=\"draft\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"\"][vc_column][vc_row_inner css=\".vc_custom_1487942075495{margin-top: 35px !important;}\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1489062433193{margin-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"Catalyst is investing in three capabilities that can help scale the benefits of its Digital Payment Labs\" font_container=\"tag:h3|font_size:24px|text_align:center|color:%23373a3a|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_1489059587620{margin-bottom: 40px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"1/3\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-align-right\"]<span style=\"color: #d11e3c;\">1. Fintech for the Bottom 80</span>\r\n<span style=\"color: #373a3a; font-size: 16px;\">As an incubator that helps visionary entrepreneurs to build new products, processes and interfaces that address the unique needs of hundreds of millions strong as yet underserved segments</span>[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\" offset=\"vc_hidden-xs\"][vc_single_image image=\"9899\" img_size=\"full\" alignment=\"center\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" el_class=\"numeric-points-red\"]<span style=\"color: #d11e3c;\">2. Data Sharing/Data Vault</span>\r\n<span style=\"color: #373a3a; font-size: 16px;\">As a public utility platform to ease data gathering for regulatory purposes and more efficient data exchange between front-end (e.g., points of sale) and back-end (e.g., digital lenders) players to deliver new and appropriate services (e.g., access to credit) to end users</span>[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1489060379488{margin-top: 2% !important;}\"][vc_column_inner width=\"1/3\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" el_class=\"numeric-points-red\"]<span style=\"color: #d11e3c;\">3. Regulatory Sandbox</span>\r\n<span style=\"color: #373a3a; font-size: 16px;\">As a mechanism for policymakers and regulators to more effectively engage with innovators in a controlled environment, simulate and study new policy environments, develop customer protection systems, and promote policy design based on proof</span>[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row content_placement=\"middle\" el_id=\"ecosystem-approach\" type=\"image\" bg_color=\"#eeeeee\" 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;}\"]\r\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>\r\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;}\"]\r\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>\r\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;}\"]\r\n<p style=\"text-align: justify;\">Policies and regulations that enable digital payments through analyses and recommendations based on success on the ground</p>\r\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;}\"]\r\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>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" el_id=\"ecosystem-approach\" disable_element=\"yes\" front_status=\"draft\" type=\"image\" bg_color=\"#eeeeee\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"CRACKING THE PAYMENTS CODE\" 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_1489122843037{margin-bottom: 40px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" el_class=\"ctpj-container\"][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"hexagon-white\" css=\".vc_custom_1489056661534{margin-bottom: 50px !important;}\"][vc_custom_heading text=\"Define\" font_container=\"tag:h6|font_size:24px|text_align:center|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_1489055767879{margin-bottom: 0px !important;}\" el_class=\"ctp-title\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-center\" css=\".vc_custom_1489055827674{margin-top: 0px !important;padding-top: 20px !important;}\"]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[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"hexagon-white\"][vc_custom_heading text=\"Test\" font_container=\"tag:h6|font_size:24px|text_align:center|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_1489055945604{margin-bottom: 0px !important;}\" el_class=\"ctp-title\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-center\" css=\".vc_custom_1489055851053{margin-top: 0px !important;padding-top: 20px !important;}\"]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[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner offset=\"vc_hidden-sm vc_hidden-xs\"][vc_single_image image=\"9772\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489048690467{margin-top: 35px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" el_class=\"ctpj-container\"][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"hexagon-white\" css=\".vc_custom_1489056673791{margin-bottom: 50px !important;}\"][vc_custom_heading text=\"Support\" font_container=\"tag:h6|font_size:24px|text_align:center|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_1489055926008{margin-bottom: 0px !important;}\" el_class=\"ctp-title\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-center\" css=\".vc_custom_1489055888329{margin-top: 0px !important;padding-top: 20px !important;}\"]Policies and regulations that enable digital payments through analyses and recommendations based on success on the ground[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"hexagon-white\"][vc_custom_heading text=\"Scale\" font_container=\"tag:h6|font_size:24px|text_align:center|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_1489055961372{margin-bottom: 0px !important;}\" el_class=\"ctp-title\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-center\" css=\".vc_custom_1489055869165{margin-top: 0px !important;padding-top: 20px !important;}\"]Successful digital payment initiatives across the country by leveraging strategic partnerships and government programs to inform and institutionalize[/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_row_inner equal_height=\"yes\" disable_element=\"yes\" el_class=\"phide\"][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9389\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1487937038779{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Thought Leadership\" font_container=\"tag:h6|font_size:24px|text_align:center|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_1487942197732{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Design project portfolios, partnerships, end-to-end solutions, enhanced interfaces and hypotheses to be tested on the ground</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9390\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1487937093162{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Targeted Funding\" font_container=\"tag:h6|font_size:24px|text_align:center|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_1487942212954{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Incubation grants and USAID credit guarantees to promote entrepreneurial efforts to solve market failures</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9391\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1487937124318{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Project Delivery\r\n\" font_container=\"tag:h6|font_size:24px|text_align:center|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_1487942246166{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">On-the-ground Project Management Unit to track progress and coordinate stakeholders</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9392\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1487937154277{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Knowledge Management\r\n\" font_container=\"tag:h6|font_size:24px|text_align:center|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_1487942282826{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Collaborative, multi-dimensional research on adoption and use of digital finance, and its long term impact</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9393\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1487937188914{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Advocacy Platform\" font_container=\"tag:h6|font_size:24px|text_align:center|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_1488891423771{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Multisector partnerships to address key challenges, disseminate learnings, scale successful initiatives, and advocate enabling policies</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 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 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_1549451304155{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]', 'About', '', 'publish', 'closed', 'closed', '', 'about', '', '', '2019-02-06 11:08:33', '2019-02-06 11:08:33', '', 0, 'http://cashlesscatalyst.org/?page_id=9346', 0, 'page', '', 0);
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(40454, 23, '2019-02-06 11:08:33', '2019-02-06 11:08:33', '[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=\"10060\"][vc_column][vc_row_inner inner_container=\"yes\" min_height=\"899px\" bg_pos_h=\"center\" bg_pos_v=\"top\" css=\".vc_custom_1483077947446{background-image: url(https://cashlesscatalyst.org/wp-content/uploads/2015/11/triangle-banner1.png?id=7987) !important;background-position: 0 0 !important;background-repeat: no-repeat !important;}\" el_id=\"white-triangle\"][vc_column_inner el_class=\"pzindex\" offset=\"vc_col-lg-6 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=\"ABOUT US\" font_container=\"tag:h1|font_size:36px|text_align:left|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\" vertical_separator=\"yes\" letter_spacing=\"\" letter-spacing=\"75\"]Catalyst is an initiative funded by United States Agency for International Development (USAID) under the mSTAR Program to increase adoption of digital payments in India, using a targeted ecosystem approach.\r\n\r\nOur vision is to realize an inclusive digital economy that meets the needs of all Indians.[/vc_column_text][/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=\"290px\" visibility=\"visible-xs,visible-sm\"][kleo_gap size=\"634px\" visibility=\"visible-md,visible-lg\"][vc_single_image image=\"7820\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"navigating-unchartered-waters\" type=\"image\" bg_color=\"#ffffff\" bg_repeat=\"repeat\" padding_top=\"\" padding_bottom=\"\"][vc_column][kleo_magic_container position=\"absolute\" top=\"0px\" left=\"50%\" min_height=\"521px\" width=\"2560px\" css=\".vc_custom_1486370275881{margin-left: -1145px !important;background-image: url(https://cashlesscatalyst.org/wp-content/uploads/2015/11/home-banner-triangle.png?id=7813) !important;background-position: 0 0 !important;background-repeat: no-repeat !important;}\"][/kleo_magic_container][vc_row_inner equal_height=\"yes\" css=\".vc_custom_1486361953253{margin-bottom: 20px !important;padding-top: 5% !important;padding-right: 5% !important;padding-left: 5% !important;background-color: #ffffff !important;}\"][vc_column_inner css=\".vc_custom_1486361714089{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"THE CONTEXT: NAVIGATING UNCHARTERED WATERS\" 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_1487929448061{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">India is just starting its digital payments journey. Currently, its performance trails other BRIC nations -- Brazil, Russia, and China. In 2014, just over 50 percent of Indian adults held an account with a financial institution compared with nearly 70 percent of adults in other BRIC economies.</p>\r\n[/vc_column_text][vc_empty_space height=\"20px\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text font_size=\"17px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1488780203409{padding-right: 5.5% !important;padding-left: 5.5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong>Digitization of person to merchant expenditure</strong></p>\r\n[/vc_column_text][vc_single_image image=\"12347\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1520528382671{margin-bottom: 10px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text font_size=\"17px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1488780103405{padding-right: 2.5% !important;padding-left: 2.5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong>Digitization of small retailer to supplier payments</strong></p>\r\n[/vc_column_text][vc_single_image image=\"8955\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1487930203111{margin-bottom: 10px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text font_size=\"17px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1487930070492{padding-right: 2.5% !important;padding-left: 2.5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong>Penetration of merchant digital payment acceptance</strong></p>\r\n[/vc_column_text][vc_single_image image=\"12591\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1521196337938{margin-bottom: 10px !important;}\"][/vc_column_inner][vc_column_inner][vc_column_text text_color=\"#1e73be\" font_size=\"14px\" letter_spacing=\"\"]\r\n<p style=\"text-align: right;\"><a style=\"color: #2b45d6;\" href=\"http://www.visa.co.in/aboutvisa/research/include/Digital_Payments_India.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Source</a></p>\r\n[/vc_column_text][kleo_gap size=\"40px\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<span style=\"color: #d11e3c;\"><a style=\"color: #d11e3c;\" href=\"https://www.globalinnovationexchange.org/beyond-cash\" target=\"_blank\" rel=\"noopener noreferrer\">Our own survey research</a></span> shows that 97 percent of retail transactions are conducted in cash or check; only 6 percent of merchants accept digital payments; and just over 10 percent consumers have used a debit card for payments in the last year in India.[/vc_column_text][vc_column_text font_size=\"16px\" letter_spacing=\"\"]However, Indians are now better financially and digitally connected than ever before. This reflects in the growth in Jan Dhan bank accounts for the poor, Aadhaar registrations which provide easy biometric authentication to access services and make transactions, mobile phone accounts, and Internet connectivity. In addition, several fiscal incentives and technology initiatives have been targeted at making India a less cash economy.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"12350\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1520528991452{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Jan Dhan bank accounts</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"9353\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1487932224593{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Aadhaar accounts</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"12352\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1520529246131{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Phone accounts</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"9356\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1487932239744{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Indians with Internet access</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"square-bullet-red\"]<strong>Nevertheless, the digital payments last mile remains fragmented due to several factors: </strong>\r\n<ul>\r\n 	<li><span style=\"color: #373a3a;\">There are far too few digital payment acceptance points for consumer comfort</span></li>\r\n 	<li><span style=\"color: #373a3a;\">From the merchants’ perspective, there is insufficient demand from consumers</span></li>\r\n 	<li><span style=\"color: #373a3a;\">Synergies across service providers (payment infrastructure companies, banks, fintech innovators) are under-tapped in the absence of market facilitation mechanisms</span></li>\r\n 	<li><span style=\"color: #373a3a;\">Regulation lags behind innovation; this imbalance prevents a degree of customer protection needed for the functioning of a healthy market</span></li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row disable_element=\"yes\" front_status=\"draft\"][vc_column][vc_row_inner css=\".vc_custom_1487942020748{margin-bottom: 50px !important;}\"][vc_column_inner][vc_custom_heading text=\"Our research into Indian consumer and merchant behavior has generated interesting insights on how to catalyze last mile payments.\" font_container=\"tag:h3|font_size:24px|text_align:center|color:%23d11e3c|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=\"\"][vc_column_text text_color=\"#373a3a\" font_size=\"24px\" font_weight=\"bold\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Key Insights for Consumers</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9365\" img_size=\"full\" css=\".vc_custom_1487934180340{margin-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<strong>Create opportunities for daily use</strong>\r\n\r\nHigh-frequency low-value transactions (such as managing loose change, tracking expenses, etc.) are a better catalyst than low-frequency high-value transactions for digital payments habit formation[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9366\" img_size=\"full\" css=\".vc_custom_1487934189037{margin-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<strong>Micro savings are a valuable hook</strong>\r\n\r\nPeople feel that they are unable to be disciplined about their spending targets and end up \"wasting money\" if there is free cash lying at home[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9367\" img_size=\"full\" css=\".vc_custom_1487934195985{margin-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<strong>Communicate and educate benefits</strong>\r\n\r\nMany consumers have limited awareness of digital payments, because they perceive it to be irrelevant; focusing communication on one sharply defined use case with a clear benefit can be an anchor for broader adoption[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9368\" img_size=\"full\" css=\".vc_custom_1487934203651{margin-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<strong>Assisted first time use is important</strong>\r\n\r\nFirst time use of a new digital payment method is tough for users and carries perceived financial risk; assisted first time payments can mitigate this hurdle[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9369\" img_size=\"full\" css=\".vc_custom_1487934209755{margin-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<strong>The payment instrument should match the purchase type\r\n</strong>\r\n\r\nLarger and formal-looking payment products are associated to expensive purchases; similarly, smaller &amp; informal artefacts may get associated to smaller purchases[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#373a3a\" font_size=\"24px\" font_weight=\"bold\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Key Insights for Merchants</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9372\" img_size=\"full\" css=\".vc_custom_1487934171416{margin-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<strong>No upfront costs can increase trials\r\n</strong>\r\n\r\nKeeping a minimum deposit in current accounts for obtaining a POS machine is an impediment to adoption; Merchants prefer models which are transaction linked[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9373\" img_size=\"full\" css=\".vc_custom_1487933926057{margin-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<strong>Consumer demand is the key catalyst</strong>\r\n\r\nMerchants cite lack of consumer demand as the key factor preventing adoption of digital payments; most merchants are willing to adopt payments technology if customers ask for it[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9374\" img_size=\"full\" css=\".vc_custom_1487933974562{margin-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<strong>Digital money + Physical proof</strong>\r\n\r\nA large proportion of users transact through non-digital methods and physical artefacts such as paper receipts help in instilling trust as opposed to non-solid digital receipts[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9375\" img_size=\"full\" css=\".vc_custom_1487935020088{margin-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<strong>Credit as a hook</strong>\r\n\r\nAccess to credit is a more severe pain point than the need to digitize cash, and therefore can be a powerful incentive to bring small merchants on digital payment platforms[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9376\" img_size=\"full\" css=\".vc_custom_1487935042651{margin-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<strong>Cash + Digital hybrids can be important</strong>\r\n\r\nManaging daily change is a significant pain point for merchants and they often have to waste time and money to arrange change[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner css=\".vc_custom_1487938697764{margin-top: 20px !important;}\"][kleo_button title=\"Learn More\" href=\"https://www.globalinnovationexchange.org/beyond-cash\" target=\"_blank\" style=\"custom\" border_width=\"2px\" position=\"center\" size=\"sm\" special=\"no\" border=\"no\" icon=\"0\" font_size=\"14px\" font_weight=\"400\" letter_spacing=\"\" box_shadow_color=\"rgba(43,33,47,0.15)\" box_shadow_x=\"6\" box_shadow_blur=\"18\" el_class=\"hidden\" custom_background=\"#d11e3c\" custom_bg_hover=\"#ffffff\" custom_text=\"#ffffff\" custom_text_hover=\"#d11e3c\" custom_border=\"#d11e3c\" custom_border_hover=\"#ffffff\"][vc_column_text letter_spacing=\"\"]\r\n<p style=\"text-align: center;\"><span class=\"learn-more\"><a style=\"text-decoration: none;\" href=\"https://www.globalinnovationexchange.org/beyond-cash\">Learn More <i class=\"fa fa-angle-right\"></i></a></span></p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][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=\"\"]\r\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>\r\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 disable_element=\"yes\" front_status=\"draft\" type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_row_inner css=\".vc_custom_1487942075495{margin-top: 35px !important;}\"][vc_column_inner css=\".vc_custom_1487942747395{margin-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"Catalyst is investing in three capabilities that can help scale the benefits of its Digital Payment Labs\" font_container=\"tag:h3|font_size:24px|text_align:left|color:%23373a3a|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][vc_single_image image=\"9805\" img_size=\"full\" alignment=\"center\"][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" el_class=\"numeric-points-red\"]\r\n<ol>\r\n 	<li><span style=\"color: #d11e3c;\">Fintech for the Bottom 80</span>\r\n<span style=\"color: #373a3a; font-size: 16px;\">As an incubator that helps visionary entrepreneurs to build new products, processes and interfaces that address the unique needs of hundreds of millions strong as yet underserved segments</span></li>\r\n 	<li><span style=\"color: #d11e3c;\">Data Sharing/Data Vault</span>\r\n<span style=\"color: #373a3a; font-size: 16px;\">As a public utility platform to ease data gathering for regulatory purposes and more efficient data exchange between front-end (e.g., points of sale) and back-end (e.g., digital lenders) players to deliver new and appropriate services (e.g., access to credit) to end users</span></li>\r\n 	<li><span style=\"color: #d11e3c;\">Regulatory Sandbox</span>\r\n<span style=\"color: #373a3a; font-size: 16px;\">As a mechanism for policymakers and regulators to more effectively engage with innovators in a controlled environment, simulate and study new policy environments, develop customer protection systems, and promote policy design based on proof</span></li>\r\n</ol>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" disable_element=\"yes\" front_status=\"draft\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"\"][vc_column][vc_row_inner css=\".vc_custom_1487942075495{margin-top: 35px !important;}\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1489062433193{margin-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"Catalyst is investing in three capabilities that can help scale the benefits of its Digital Payment Labs\" font_container=\"tag:h3|font_size:24px|text_align:center|color:%23373a3a|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_1489059587620{margin-bottom: 40px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"1/3\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-align-right\"]<span style=\"color: #d11e3c;\">1. Fintech for the Bottom 80</span>\r\n<span style=\"color: #373a3a; font-size: 16px;\">As an incubator that helps visionary entrepreneurs to build new products, processes and interfaces that address the unique needs of hundreds of millions strong as yet underserved segments</span>[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\" offset=\"vc_hidden-xs\"][vc_single_image image=\"9899\" img_size=\"full\" alignment=\"center\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" el_class=\"numeric-points-red\"]<span style=\"color: #d11e3c;\">2. Data Sharing/Data Vault</span>\r\n<span style=\"color: #373a3a; font-size: 16px;\">As a public utility platform to ease data gathering for regulatory purposes and more efficient data exchange between front-end (e.g., points of sale) and back-end (e.g., digital lenders) players to deliver new and appropriate services (e.g., access to credit) to end users</span>[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1489060379488{margin-top: 2% !important;}\"][vc_column_inner width=\"1/3\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" el_class=\"numeric-points-red\"]<span style=\"color: #d11e3c;\">3. Regulatory Sandbox</span>\r\n<span style=\"color: #373a3a; font-size: 16px;\">As a mechanism for policymakers and regulators to more effectively engage with innovators in a controlled environment, simulate and study new policy environments, develop customer protection systems, and promote policy design based on proof</span>[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row content_placement=\"middle\" el_id=\"ecosystem-approach\" type=\"image\" bg_color=\"#eeeeee\" 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;}\"]\r\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>\r\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;}\"]\r\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>\r\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;}\"]\r\n<p style=\"text-align: justify;\">Policies and regulations that enable digital payments through analyses and recommendations based on success on the ground</p>\r\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;}\"]\r\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>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" el_id=\"ecosystem-approach\" disable_element=\"yes\" front_status=\"draft\" type=\"image\" bg_color=\"#eeeeee\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"CRACKING THE PAYMENTS CODE\" 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_1489122843037{margin-bottom: 40px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" el_class=\"ctpj-container\"][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"hexagon-white\" css=\".vc_custom_1489056661534{margin-bottom: 50px !important;}\"][vc_custom_heading text=\"Define\" font_container=\"tag:h6|font_size:24px|text_align:center|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_1489055767879{margin-bottom: 0px !important;}\" el_class=\"ctp-title\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-center\" css=\".vc_custom_1489055827674{margin-top: 0px !important;padding-top: 20px !important;}\"]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[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"hexagon-white\"][vc_custom_heading text=\"Test\" font_container=\"tag:h6|font_size:24px|text_align:center|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_1489055945604{margin-bottom: 0px !important;}\" el_class=\"ctp-title\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-center\" css=\".vc_custom_1489055851053{margin-top: 0px !important;padding-top: 20px !important;}\"]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[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner offset=\"vc_hidden-sm vc_hidden-xs\"][vc_single_image image=\"9772\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489048690467{margin-top: 35px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" el_class=\"ctpj-container\"][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"hexagon-white\" css=\".vc_custom_1489056673791{margin-bottom: 50px !important;}\"][vc_custom_heading text=\"Support\" font_container=\"tag:h6|font_size:24px|text_align:center|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_1489055926008{margin-bottom: 0px !important;}\" el_class=\"ctp-title\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-center\" css=\".vc_custom_1489055888329{margin-top: 0px !important;padding-top: 20px !important;}\"]Policies and regulations that enable digital payments through analyses and recommendations based on success on the ground[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"hexagon-white\"][vc_custom_heading text=\"Scale\" font_container=\"tag:h6|font_size:24px|text_align:center|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_1489055961372{margin-bottom: 0px !important;}\" el_class=\"ctp-title\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-center\" css=\".vc_custom_1489055869165{margin-top: 0px !important;padding-top: 20px !important;}\"]Successful digital payment initiatives across the country by leveraging strategic partnerships and government programs to inform and institutionalize[/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_row_inner equal_height=\"yes\" disable_element=\"yes\" el_class=\"phide\"][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9389\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1487937038779{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Thought Leadership\" font_container=\"tag:h6|font_size:24px|text_align:center|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_1487942197732{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Design project portfolios, partnerships, end-to-end solutions, enhanced interfaces and hypotheses to be tested on the ground</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9390\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1487937093162{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Targeted Funding\" font_container=\"tag:h6|font_size:24px|text_align:center|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_1487942212954{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Incubation grants and USAID credit guarantees to promote entrepreneurial efforts to solve market failures</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9391\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1487937124318{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Project Delivery\r\n\" font_container=\"tag:h6|font_size:24px|text_align:center|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_1487942246166{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">On-the-ground Project Management Unit to track progress and coordinate stakeholders</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9392\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1487937154277{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Knowledge Management\r\n\" font_container=\"tag:h6|font_size:24px|text_align:center|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_1487942282826{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Collaborative, multi-dimensional research on adoption and use of digital finance, and its long term impact</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9393\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1487937188914{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Advocacy Platform\" font_container=\"tag:h6|font_size:24px|text_align:center|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_1488891423771{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Multisector partnerships to address key challenges, disseminate learnings, scale successful initiatives, and advocate enabling policies</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 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 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_1549451304155{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 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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
(14725, 13, '2018-05-31 13:21:34', '2018-05-31 13:21:34', '[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=\"14729\"][vc_column][kleo_gap size=\"100px\"][vc_row_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][vc_column_inner el_class=\"uppercase\" width=\"2/3\"][vc_custom_heading text=\"PayNearby…towards a hyperlocal fintech network\" 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_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/2018/05/Paynearby_Story.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=\"#0c0c0c\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"50\" padding_bottom=\"50\" el_class=\"uppercase\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"14733\" alignment=\"center\"][vc_custom_heading text=\"Empowering local retailers is crucial\" font_container=\"tag:h2|font_size:36px|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_1527774393196{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"14728\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1527772710814{padding-top: 17px !important;}\"][/vc_column_inner][vc_column_inner width=\"3/4\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]<em>PayNearby is a start-up that aims to create the world’s largest hyperlocal fintech network in India, by enabling existing corner shops to become digital financial service hubs</em>\r\n\r\nPayNearby’s endeavor to provide digitally assisted financial services to the masses in such a way that every citizen can go to a nearby retailer to make digital payments and avail banking services with the same convenience that he/she experiences in purchasing ration, groceries, vegetables and fruits. “Customers avail financial services from people they trust.” says, Anand Kumar Bajaj, founder of PayNearby, an IIM Ahmedabad alumnus, ex Chief Innovation Officer of YES Bank and a Chartered Accountant with 17 years of experience in the digital payments space. With the advent of digitization, he believes that India is transitioning from a Krishi Pradhan nation into a Digi Pradhan nation. Riding on this digitisation wave, PayNearby has launched a campaign ‘Har Dukaan, Digital Pradhan’ which partners with local retailers to onboard them as digital financial service partners.[/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\" el_class=\"uppercase\" bg_image=\"14740\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"14734\" alignment=\"center\"][vc_custom_heading text=\"Financial transactions should be seamless, quick and easy\" font_container=\"tag:h2|font_size:36px|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_1527773678556{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" 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=\"\"]The startup operates on a B2B2C model, and provides services such as Aadhaar ATM and deposit, SMS payments, Khata services, utility bill payments, prepaid cards, mutual funds and insurance, money transfer,and payment services via Bharat QR and UPI using the PayNearby application. Their team has operations in 23 states of India and aspires to empower 20,00,000 retailers across Tier I, II cities and rural towns, where knowledge and awareness levels around technology are low and cash is the dominant mode of transaction.\r\n\r\nPayNearby’s resolve is to simplify, ‘sachetize’, and digitize high-end technologies and bring it to the common man. According to Anand “We are making banking easy by helping people save, invest, insure, remit and withdraw conveniently even after banking hours. Our facilities help wage labourers, factory workers, among others, to transfer money in times of urgency, and recharge bills easily at any time of the day. Our vision is to be an over-the-top organisation to ReBank India.”\r\n\r\n&nbsp;\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=\"\"]Digital Pradhans find that most customers who avail their services become repeat digital users at the store, as they can access all digital financial services under one roof. Amit, a Digital Pradhan from Sri Balaji Telecommunications speaks highly of the portal. “Using PayNearby’s portal, I can easily withdraw money, book bus tickets, pay utility bills and do mobile recharges for my customers. I have been using the application for the last two years and so far the rate of transaction failures has been low. In case of any technical issue, I receive assistance and requisite help from the company’s relationship manager who typically resolves issues within one working day.”\r\n\r\nSimilarly, Prashant, who runs his shop from 7 am to 9:30 pm feels that unlike other digital platforms no transaction gets stuck via PayNearby. “Thanks to PayNearby, I can offer customers services that are similar to the services provided by any bank. There has never been a technical issue with the application.” He further adds, “My sources of income have increased owing to PayNearby, and I can offer customers the convenience of transacting digitally with their Aadhaar number and a tap on my mobile phone.”[/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\" el_class=\"uppercase\" bg_image=\"14739\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"14736\" alignment=\"center\"][vc_custom_heading text=\"Excited for Jaipur plans with Catalyst ecosystem\" font_container=\"tag:h2|font_size:36px|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_1527773804791{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_image=\"7841\"][vc_column][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]PayNearby is one of the five startups selected by Catalyst as part of its ‘Fintech for the Last Mile Incubator program* in Jaipur. As part of the program, Catalyst is providing a conducive and collaborative workspace to PayNearby to operationalize its activities in Jaipur, without having to bear the burden of overhead costs in the initial stages of this journey. Along with this, Catalyst is providing feet on street support to the startup, wherein its representatives approach customers, pitch its products, gather feedback and also assist in the entire sales process.\r\n\r\nPayNearby is currently testing digital solutions to expand its retailer reach and has developed a newer, more comprehensive version of their application for Aadhaar Enabled Payment Systems, money transfer and khatta pay solutions.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_video link=\"https://www.youtube.com/watch?v=Jc0IQGnIiEA\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: left;\">So, what are their plans in Jaipur? Anand believes “We intend to digitize Jaipur as a role model for other cash sticky states with support from Department of Information Technology (Rajasthan) and Catalyst. We have smoothly launched our digital financial services here and are now excited to expand our retailer/customer reach via the ‘Har Dukaan, Digital Pradhan’ campaign. We are looking forward to reach the last mile retailers and learn from this experience in the months to come!”</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][kleo_divider][/vc_column][/vc_row][vc_row][vc_column][kleo_button title=\"Download\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/05/Paynearby_Story.pdf\" target=\"_blank\" position=\"center\" size=\"lg\" type=\"boxed-icon\" special=\"no\" icon=\"download\" font_size=\"14\" letter_spacing=\"\" el_class=\"pkirbtn\" icon_custom_background=\"#d11e3c\" icon_custom_text=\"#ffffff\"][/vc_column][/vc_row]', 'PayNearby…towards a hyperlocal fintech network', '', 'publish', 'closed', 'closed', '', 'paynearbytowards-hyperlocal-fintech-network', '', '', '2018-11-15 07:29:34', '2018-11-15 07:29:34', '', 0, 'http://cashlesscatalyst.org/?page_id=14725', 0, 'page', '', 0),
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(9450, 1, '2017-02-27 09:29:34', '2017-02-27 09:29:34', '', 'Catalyst-Plan-bangalore', '', 'inherit', 'closed', 'closed', '', 'catalyst-plan-bangalore', '', '', '2017-02-27 09:29:34', '2017-02-27 09:29:34', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/02/Catalyst-Plan-bangalore.pdf', 0, 'attachment', 'application/pdf', 0),
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(9457, 1, '2017-02-27 10:15:12', '2017-02-27 10:15:12', '', 'IDFC-limited', '', 'inherit', 'closed', 'closed', '', 'idfc-limited', '', '', '2017-02-27 10:15:12', '2017-02-27 10:15:12', '', 8051, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/IDFC-limited.png', 0, 'attachment', 'image/png', 0),
(9459, 1, '2017-02-27 10:16:37', '2017-02-27 10:16:37', '', 'idea-cellular', '', 'inherit', 'closed', 'closed', '', 'idea-cellular', '', '', '2017-02-27 10:16:37', '2017-02-27 10:16:37', '', 8051, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/idea-cellular.png', 0, 'attachment', 'image/png', 0),
(9460, 1, '2017-02-27 10:17:00', '2017-02-27 10:17:00', '', 'bfa-logo', '', 'inherit', 'closed', 'closed', '', 'bfa-logo', '', '', '2017-02-27 10:17:00', '2017-02-27 10:17:00', '', 8051, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/bfa-logo.png', 0, 'attachment', 'image/png', 0),
(13251, 13, '2018-04-06 14:09:07', '2018-04-06 14:09:07', '[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=\"13273\"][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=\"In BHIM we trust\" 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_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/2018/04/BHIM_Story.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_image=\"7841\"][vc_column][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"1/2\"][vc_video link=\"https://www.youtube.com/watch?v=nX-1QfglxeU\"][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]“If we see monetary benefit in using a digital payment application, we download it. If we see customers demand digital payments, we learn more about them.” Sanjiv Kapoor’s sentiment on how transacting digitally has become inevitable resonates with several other small merchants across Barkat Nagar Market in Jaipur.\r\n\r\nSanjiv runs a garments store in the market, which was established in 1984. At any time of the day, this 51-year old can be seen dressed in his formals, attending to customers happily. A typical business day for Sanjiv starts at 11 am, and ends at 9 pm. His enthusiasm for the business is evident in the rapport that he shares with his customers, who often take his suggestions and consult him on matters. He considers himself a simple man who cares about his family and does all that he can to provide for them. His two children are a source of great pride for him. His son is currently pursuing a degree in computer science engineering, while his daughter is doing her Bachelor’s in business administration. His eyes gleam with pride when he talks about his wife, who runs her own children’s wear business, which he helped her set up in the same market a few years ago.[/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=\"13263\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"13255\" alignment=\"center\"][vc_custom_heading text=\"BHIM QR – A SYMBOL OF TRUST AND CREDIBILITY \" font_container=\"tag:h2|font_size:36px|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_1523023745022{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" 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=\" lh22\"]Akin to most other lower middle class families in the area, Sanjiv keeps himself updated with the latest happenings around the world by reading the newspaper and watching television. “I saw the launch of BHIM QR on television. The trust and credibility associated with government initiatives motivated me to want to use yet another mobile application. It is attractive to have the convenience of account-to-account transfer along with zero rental/ transaction costs,” says Sanjiv.[/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=\"lh22\"]The reassurance from Catalyst’s awareness camps* and representatives in the market also facilitated several merchants in the vicinity to successfully download the application for business use. After consulting with other merchants in the market, one gets the sense that there is a common perception of the BHIM QR code as being a convenient, low-cost medium for the acceptance of digital payments in the area.\r\n\r\n<em style=\"font-size: 13px; line-height: 13px;\">*In October 2017, Catalyst conducted a series of awareness initiatives and an on-boarding camp around Government of India’s BHIM application, and its QR code functionality. The intervention also introduced incentive schemes for merchants and customers, to test their impact on increasing adoption and usage.</em>[/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=\"13264\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"13256\" alignment=\"center\"][vc_custom_heading text=\"MERCHANTS AS POTENTIAL CHANGE AGENTS\" font_container=\"tag:h2|font_size:36px|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_1523023719710{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" 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=\" lh22\"]In residential markets such as Barkat Nagar, the relationship between a merchant and his customer is very important. In October 2017, Catalyst conducted a series of awareness camps around BHIM and its QR code functionality, and introduced incentive schemes for merchants and customers. From December 2017 to January 2018, Sanjiv reported nearly 60 transactions via BHIM QR code. Sanjiv has also nudged his customers to download and adopt the BHIM QR application after on-boarding them on the incentive schemes introduced by Catalyst.\r\n\r\n“Most customers want to download and understand digital payments, and I help them to do so. I have told all my customers to use the BHIM QR application and two of my customers even won a cash prize of Rs. 1,000 each as part of the incentive scheme introduced by Catalyst!”[/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=\" lh22\"]The only setback was that not all of his customers had the application installed on their phone or the time to download it. Nevertheless, Sanjiv’s experience reiterates the potential small merchants may have to act as change agents and digital influencers in their ecosystems. Experiments across a cross-section of merchants and across geographies may validate this hypothesis.\r\n\r\nSanjiv sees value in transacting digitally, as these payments can mitigate issues associated with cash such as fake currency in circulation. However, he believes that the ecosystem for universal BHIM QR payment acceptance needs to be strengthened. Penetration of digital payments among customers is still very low and the market ecosystem is unattractive.[/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=\"13265\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"13260\" alignment=\"center\"][vc_custom_heading text=\"CUSTOMER INCENTIVES MAY HOLD KEY\" font_container=\"tag:h2|font_size:36px|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_1523023988682{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" 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=\" lh22\"]Moreover, while all applications have similar features, the one that offers more lucrative cashback rewards to customers sees the widest usage.\r\n\r\nSanjiv believes that “Customers are more attracted to schemes. While they love cash, if a lucrative scheme is introduced for digital payments, they are ready to try it out and move out of their comfort zone. It is very important to keep the customer engaged.”[/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=\" lh22\"]On being asked what he thinks about the future of digital payments he says, “Digital payments will pick up exponentially in India and they will be beneficial to all. However, it is important to make digital transactions more attractive for customers and make them aware of these benefits.”[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row][vc_column][kleo_button title=\"Download\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/04/BHIM_Story.pdf\" target=\"_blank\" position=\"center\" size=\"lg\" type=\"boxed-icon\" special=\"no\" icon=\"download\" font_size=\"14\" letter_spacing=\"\" el_class=\"pkirbtn\" icon_custom_background=\"#d11e3c\" icon_custom_text=\"#ffffff\"][/vc_column][/vc_row]', 'In BHIM we trust', '', 'publish', 'closed', 'closed', '', 'in-bhim-we-trust', '', '', '2018-11-15 07:21:20', '2018-11-15 07:21:20', '', 0, 'http://cashlesscatalyst.org/?page_id=13251', 0, 'page', '', 0),
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(9480, 1, '2017-02-27 13:05:45', '2017-02-27 13:05:45', '', 'airtel-payments-bank', '', 'inherit', 'closed', 'closed', '', 'airtel-payments-bank', '', '', '2017-02-27 13:05:45', '2017-02-27 13:05:45', '', 8051, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/airtel-payments-bank.png', 0, 'attachment', 'image/png', 0),
(9501, 1, '2017-02-28 11:06:07', '2017-02-28 11:06:07', '', 'Digital Kirana', '', 'inherit', 'closed', 'closed', '', 'digital-kirana-5', '', '', '2017-02-28 11:06:07', '2017-02-28 11:06:07', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/02/Digital-Kirana.pdf', 0, 'attachment', 'application/pdf', 0),
(9503, 1, '2017-02-28 11:07:51', '2017-02-28 11:07:51', '', 'India Stack', '', 'inherit', 'closed', 'closed', '', 'india-stack-3', '', '', '2017-02-28 11:07:51', '2017-02-28 11:07:51', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/02/India-Stack.pdf', 0, 'attachment', 'application/pdf', 0),
(9505, 1, '2017-02-28 11:10:14', '2017-02-28 11:10:14', '', 'Alternative Lending', '', 'inherit', 'closed', 'closed', '', 'alternative-lending-2', '', '', '2017-02-28 11:10:14', '2017-02-28 11:10:14', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/02/Alternative-Lending.pdf', 0, 'attachment', 'application/pdf', 0),
(11267, 1, '2017-09-08 13:09:15', '2017-09-08 13:09:15', '[vc_row][vc_column][vc_custom_heading text=\"Alok Mittal\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23373a3a|line_height:30px\" use_theme_fonts=\"yes\" letter_spacing=\"\"][vc_column_text letter_spacing=\"\"]Alok is Co-founder and CEO of Indifi, a platform for enabling debt financing for small businesses. Alok is also an active angel investor, co-founder of Indian Angel Network, and on the board of TiE (The Indus Entrepreneurs) Delhi. Prior to starting Indifi, Alok setup and ran Canaan Partners\' operations in India, investing in high growth technology and internet startups. Earlier, Alok co-founded JobsAhead.com, a leading web-based recruitment business in India, which was acquired by Monster.com, the global leader in online recruitment.Alok earned a BE in computer science and engineering from the Indian Institute of Technology Delhi and a MS in computer science from UC Berkeley.[/vc_column_text][/vc_column][/vc_row]', 'Alok Mittal', '', 'publish', 'closed', 'closed', '', 'alok-mittal', '', '', '2017-09-11 06:36:20', '2017-09-11 06:36:20', '', 0, 'http://cashlesscatalyst.org/?post_type=popup&#038;p=11267', 0, 'popup', '', 0),
(11270, 1, '2017-09-08 13:12:01', '2017-09-08 13:12:01', '[vc_row][vc_column][vc_custom_heading text=\"Rakesh Mishra\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23373a3a|line_height:30px\" use_theme_fonts=\"yes\" letter_spacing=\"\"][vc_column_text letter_spacing=\"\"]Rakesh is an independent consultant working with various startup ecosystems in India and overseas. Rakesh comes with strong experience of building and scaling up one of India’s finest private incubators (Excubator) for tech startups.\r\n\r\nRakesh specializes in setting up effective startup incubator operations.\r\n\r\nRakesh brings 2 decades of industry experience cutting across wide spectrum of industries, technology platforms and geographies.\r\n\r\nRakesh has personally mentored more than 1500 startups, has incubated many startups in his early company (Excubator) and has taken large number of workshops on startup development topics. He is a recognized leader in the space of building startup ecosystem and supporting early stage start up ideas.\r\n\r\nRakesh also runs PAN IIT nation- building organization called ‘IIT Mentors’. He regularly engages with various IIT institutions and IIT alumni groups to support their entrepreneurship development initiatives.\r\n\r\nRakesh is recognized as one of the Top Gamification experts in India. He is an alumnus of IIT Kanpur. Rakesh is also an experienced life- coach; he runs a specialized life- rebuilding program called “Master Your Life with me” for senior corporate executives.\r\n[/vc_column_text][/vc_column][/vc_row]', 'Rakesh Mishra', '', 'publish', 'closed', 'closed', '', 'rakesh-mishra', '', '', '2017-09-08 13:14:08', '2017-09-08 13:14:08', '', 0, 'http://cashlesscatalyst.org/?post_type=popup&#038;p=11270', 0, 'popup', '', 0),
(11265, 1, '2017-09-08 13:05:49', '2017-09-08 13:05:49', '[vc_row][vc_column][vc_custom_heading text=\"Sanjay Swamy\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23373a3a|line_height:30px\" use_theme_fonts=\"yes\" letter_spacing=\"\"][vc_column_text letter_spacing=\"\"]Sanjay is well known for his founding role at ZipDial (now acquired by Twitter) and his role at mChek, the path breaking startup in secure payments. Sanjay has trodden the path of an entrepreneur all through his career. After completing his bachelor\'s degree in engineering, Sanjay headed to Paris where he earned his Master\'s degree.\r\n\r\nAfter a stint at Xerox PARC in Palo Alto, Sanjay embarked on a journey to build world class teams and products that took him through startups like Ketera and Portal Software, mChek, Zipdial &amp; Ezetap which he co‐founded in 2010.\r\n\r\nAn active member of the community, Sanjay is a Rotarian and a charter member of TiE, a volunteer at iSPIRT, and organizes the Fintech Panel at the Nasscom Product Conclave. He also played a prominent role on the UIDAI project under the leadership of Nandan Nilekani. He is a frequent speaker and evangelist in the entrepreneurship and payments circuits in the country. Sanjay loves to blog ‐ anything you say that is half‐way intelligent will turn into a subject for his blog.[/vc_column_text][/vc_column][/vc_row]', 'Sanjay Swamy', '', 'publish', 'closed', 'closed', '', 'sanjay-swamy', '', '', '2017-09-09 10:41:35', '2017-09-09 10:41:35', '', 0, 'http://cashlesscatalyst.org/?post_type=popup&#038;p=11265', 0, 'popup', '', 0),
(11262, 1, '2017-09-08 12:58:25', '2017-09-08 12:58:25', '[vc_row][vc_column][vc_custom_heading text=\"Rohan Angrish\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23373a3a|line_height:30px\" use_theme_fonts=\"yes\" letter_spacing=\"\"][vc_column_text letter_spacing=\"\"]Rohan has over a decade of experience in building large scale distributed solutions. He was at Oracle for 8 years in Silicon Valley and India before co-founding restaurant payments startup \'Chalo\' which was acquired by OpenTable. He was subsequently Chief Architect for Mobile Payments at OpenTable, based out of India. Rohan graduated from IIT Bombay with a B.Tech in Computer Science after which he went to Stanford where he got his M.S. in Computer Science.[/vc_column_text][/vc_column][/vc_row]', 'Rohan Angrish', '', 'publish', 'closed', 'closed', '', 'rohan-angrish', '', '', '2017-09-11 06:47:33', '2017-09-11 06:47:33', '', 0, 'http://cashlesscatalyst.org/?post_type=popup&#038;p=11262', 0, 'popup', '', 0),
(11258, 1, '2017-09-08 12:44:36', '2017-09-08 12:44:36', '', 'Rohan-Angrish', '', 'inherit', 'closed', 'closed', '', 'rohan-angrish', '', '', '2017-09-08 12:44:36', '2017-09-08 12:44:36', '', 11186, 'http://cashlesscatalyst.org/wp-content/uploads/2017/09/Rohan-Angrish.png', 0, 'attachment', 'image/png', 0),
(11259, 1, '2017-09-08 12:47:42', '2017-09-08 12:47:42', '', 'Sanjay-Swamy', '', 'inherit', 'closed', 'closed', '', 'sanjay-swamy', '', '', '2017-09-08 12:47:42', '2017-09-08 12:47:42', '', 11186, 'http://cashlesscatalyst.org/wp-content/uploads/2017/09/Sanjay-Swamy.png', 0, 'attachment', 'image/png', 0),
(11260, 1, '2017-09-08 12:50:42', '2017-09-08 12:50:42', '', 'Alok-Mittal', '', 'inherit', 'closed', 'closed', '', 'alok-mittal', '', '', '2017-09-08 12:50:42', '2017-09-08 12:50:42', '', 11186, 'http://cashlesscatalyst.org/wp-content/uploads/2017/09/Alok-Mittal.png', 0, 'attachment', 'image/png', 0),
(11256, 1, '2017-09-08 12:35:04', '2017-09-08 12:35:04', '', 'Rakesh-Mishra', '', 'inherit', 'closed', 'closed', '', 'rakesh-mishra', '', '', '2017-09-08 12:35:04', '2017-09-08 12:35:04', '', 11186, 'http://cashlesscatalyst.org/wp-content/uploads/2017/09/Rakesh-Mishra.png', 0, 'attachment', 'image/png', 0),
(11253, 1, '2017-09-08 12:09:54', '2017-09-08 12:09:54', '', 'home-banner-3', '', 'inherit', 'closed', 'closed', '', 'home-banner-3-2', '', '', '2017-09-08 12:09:54', '2017-09-08 12:09:54', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/09/home-banner-3.jpg', 0, 'attachment', 'image/jpeg', 0),
(11250, 1, '2017-09-08 10:59:53', '2017-09-08 10:59:53', '', 'home-banner-1', '', 'inherit', 'closed', 'closed', '', 'home-banner-1', '', '', '2017-09-08 10:59:53', '2017-09-08 10:59:53', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/09/home-banner-1.jpg', 0, 'attachment', 'image/jpeg', 0),
(9520, 1, '2017-03-02 05:52:22', '2017-03-02 05:52:22', '', 'home-banner', '', 'inherit', 'closed', 'closed', '', 'home-banner-2', '', '', '2017-03-02 05:52:22', '2017-03-02 05:52:22', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2015/11/home-banner-1.jpg', 0, 'attachment', 'image/jpeg', 0);
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(11248, 1, '2017-09-08 11:40:31', '2017-09-08 11:40:31', '[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=\"10056\"][vc_column][rev_slider_vc alias=\"home-banner\"][vc_row_inner inner_container=\"yes\" min_height=\"899px\" bg_pos_h=\"center\" bg_pos_v=\"top\" css=\".vc_custom_1483077947446{background-image: url(http://cashlesscatalyst.org/wp-content/uploads/2015/11/triangle-banner1.png?id=7987) !important;background-position: 0 0 !important;background-repeat: no-repeat !important;}\" el_id=\"white-triangle\"][vc_column_inner el_class=\"pzindex\" offset=\"vc_col-lg-6 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=\"BRIDGING THE FINANCIAL DIVIDE THROUGH DIGITAL PAYMENTS\" font_container=\"tag:h1|font_size:36px|text_align:left|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\" vertical_separator=\"yes\" letter_spacing=\"\" letter-spacing=\"75\"]Catalyst is working to help India’s small businesses and low-income consumers unlock the power of digital payments to gain access to broader financial services and create opportunities vital to their future prosperity.[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1488436513549{margin-left: 40px !important;}\"]\r\n<p style=\"text-align: left;\"><span class=\"learn-more\"><a style=\"text-decoration: none;\" href=\"http://cashlesscatalyst.org/about\">Learn More <i class=\"fa fa-angle-right\"></i></a></span></p>\r\n\r\n[/vc_column_text][vc_btn title=\"Learn More\" style=\"custom\" custom_background=\"\" custom_text=\"#000000\" shape=\"square\" size=\"lg\" i_align=\"right\" i_icon_fontawesome=\"fa fa-angle-right\" add_icon=\"true\" el_class=\"learn-more hidden\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Fbeta%2Fabout|title:Learn%20More||\"][/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_single_image image=\"7820\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"services\" type=\"image\" bg_color=\"#ffffff\" bg_repeat=\"repeat\" padding_top=\"\" padding_bottom=\"\"][vc_column][kleo_magic_container position=\"absolute\" top=\"0px\" left=\"50%\" min_height=\"521px\" width=\"2560px\" css=\".vc_custom_1486370275881{margin-left: -1145px !important;background-image: url(http://cashlesscatalyst.org/wp-content/uploads/2015/11/home-banner-triangle.png?id=7813) !important;background-position: 0 0 !important;background-repeat: no-repeat !important;}\"][/kleo_magic_container][vc_row_inner equal_height=\"yes\" css=\".vc_custom_1486361953253{margin-bottom: 20px !important;padding-top: 5% !important;padding-right: 5% !important;padding-left: 5% !important;background-color: #ffffff !important;}\"][vc_column_inner css=\".vc_custom_1486361714089{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"THE CURRENT INDIAN PAYMENT CONTEXT\" 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_1487844018271{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_empty_space height=\"20px\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_single_image image=\"9533\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1488435992061{margin-bottom: 10px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1488778066775{padding-right: 2.5% !important;padding-left: 2.5% !important;}\"]\r\n<p style=\"text-align: center;\">Digitization of person to merchant expenditure</p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_single_image image=\"9539\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1488436279207{margin-bottom: 10px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<p style=\"text-align: center;\">Digitization of small retailer to supplier payments</p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_single_image image=\"9795\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1488779580873{margin-bottom: 10px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<p style=\"text-align: center;\">Cost of cash as a share of GDP</p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner][kleo_gap size=\"30px\"][vc_column_text letter_spacing=\"\"]\r\n<p style=\"text-align: center;\"><span class=\"learn-more\"><a style=\"text-decoration: none;\" href=\"http://cashlesscatalyst.org/about#navigating-unchartered-waters\">Learn More <i class=\"fa fa-angle-right\"></i></a></span></p>\r\n\r\n[/vc_column_text][kleo_gap size=\"40px\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"services\" disable_element=\"yes\" front_status=\"draft\" type=\"image\" bg_image=\"7841\"][vc_column][vc_row_inner inner_container=\"yes\" css=\".vc_custom_1488440272700{padding-right: 0px !important;padding-left: 0px !important;}\"][vc_column_inner css=\".vc_custom_1488440278733{padding-top: 20px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][vc_custom_heading text=\"OVERCOMING THE CHALLENGES OF LAST MILE FINANCIAL INCLUSION\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:36px\" 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=\"18px\" letter_spacing=\"\" el_class=\"pcenter\" css=\".vc_custom_1488444536190{padding-right: 17% !important;padding-left: 17% !important;}\"]Catalyst aims to leverage recent advancements in digital payments technology as well as new policy and regulatory initiatives to build scalable and sustainable models to achieve last mile financial inclusion.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner el_class=\"row-no-gap pbtlm-container\" css=\".vc_custom_1488463745277{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_inner width=\"5/12\" css=\".vc_custom_1488462634730{margin-right: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;}\"][kleo_gap size=\"220px\" class=\"pheight150\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" css=\".vc_custom_1488462601539{padding-top: 10px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}\"]\r\n<table width=\"100%\" cellspacing=\"10\" cellpadding=\"10\" align=\"right\">\r\n<tbody>\r\n<tr>\r\n<td></td>\r\n<td align=\"left\" valign=\"top\" width=\"300\">\r\n<h3 style=\"text-align: right;\"><strong>Policy</strong></h3>\r\n<p style=\"text-align: right;\">Government initiatives such as Jan Dhan Yojana, Direct benefit Transfers, Small Finance and Payment Banks, and Incentives for a Less Cash Economy - to promote democratization of finance</p>\r\n</td>\r\n<td align=\"left\" valign=\"top\" width=\"113\"><img class=\"alignleft size-full wp-image-9546\" src=\"http://cashlesscatalyst.org/wp-content/uploads/2015/11/home-icon-05.png\" alt=\"home-icon-05\" width=\"101\" height=\"114\" /></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"2/12\" css=\".vc_custom_1488463840016{margin-right: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}\"][kleo_gap size=\"45px\" class=\"pheight50\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1488464611366{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}\"]\r\n<div><img class=\"size-full wp-image-9676 aligncenter\" style=\"margin-bottm: 0; padding-bottom: 0;\" src=\"http://cashlesscatalyst.org/wp-content/uploads/2017/03/time-line-1.png\" alt=\"time-line\" width=\"220\" height=\"391\" /></div>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"5/12\" css=\".vc_custom_1488462641546{margin-right: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" css=\".vc_custom_1488462617155{padding-top: 10px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}\"]\r\n<table width=\"100%\" cellspacing=\"10\" cellpadding=\"10\">\r\n<tbody>\r\n<tr>\r\n<td align=\"left\" valign=\"top\" width=\"113\"><img class=\"alignleft size-full wp-image-9545\" src=\"http://cashlesscatalyst.org/wp-content/uploads/2015/11/home-icon-04.png\" alt=\"home-icon-04\" width=\"101\" height=\"114\" /></td>\r\n<td align=\"left\" valign=\"top\" width=\"300\">\r\n<h3><strong>Technology</strong></h3>\r\nOpen, interoperable platform technologies such as Aadhaar, Unified Payments Interface (UPI), and the ‘Indian Stack’ -- with an overarching layer of innovative apps</td>\r\n<td></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1488465033413{margin-top: 0px !important;padding-top: 0px !important;}\" el_class=\"row-no-gap pbtlm-container\"][vc_column_inner width=\"1/6\"][/vc_column_inner][vc_column_inner width=\"2/3\" css=\".vc_custom_1488463771273{margin-top: 0px !important;padding-top: 0px !important;}\"][vc_single_image image=\"9564\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1488463262951{margin-top: 0px !important;margin-bottom: 10px !important;padding-top: 0px !important;}\"][vc_custom_heading text=\"Last Mile\" font_container=\"tag:h3|font_size:22px|text_align:center|color:%23d01f3c|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_1488463185634{padding-top: 5px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Coordinated motivation of small businesses, consumers and solution providers to drive high-frequency, low-value digital transactions and large scale adoption</p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][vc_row_inner content_placement=\"middle\" inner_container=\"yes\" el_class=\"row-no-gap pbtlm-containerm\" css=\".vc_custom_1488465064371{padding-right: 0px !important;padding-bottom: 20px !important;padding-left: 0px !important;}\"][vc_column_inner css=\".vc_custom_1488465072961{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#ffffff\" letter_spacing=\"75\"]<img class=\"size-full wp-image-9545 aligncenter\" src=\"http://cashlesscatalyst.org/wp-content/uploads/2015/11/home-icon-04.png\" alt=\"home-icon-04\" width=\"101\" height=\"114\" />[/vc_column_text][vc_custom_heading text=\"Technology\" font_container=\"tag:h6|font_size:24px|text_align:center|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_1488464879416{padding-top: 5px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Open, interoperable platform technologies such as Aadhaar, Unified Payments Interface (UPI), and the ‘Indian Stack’ -- with an overarching layer of innovative apps</p>\r\n\r\n[/vc_column_text][kleo_gap size=\"20px\"][vc_column_text letter_spacing=\"\"]<img class=\"size-full wp-image-9546 aligncenter\" src=\"http://cashlesscatalyst.org/wp-content/uploads/2015/11/home-icon-05.png\" alt=\"home-icon-05\" width=\"101\" height=\"114\" />[/vc_column_text][vc_custom_heading text=\"Policy\" font_container=\"tag:h6|font_size:24px|text_align:center|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_1488464902446{padding-top: 5px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Government initiatives such as Jan Dhan Yojana, Direct benefit Transfers, Small Finance and Payment Banks, and Incentives for a Less Cash Economy - to promote democratization of finance</p>\r\n\r\n[/vc_column_text][kleo_gap size=\"20px\"][vc_column_text letter_spacing=\"\"]<img class=\"size-full wp-image-9564 aligncenter\" src=\"http://cashlesscatalyst.org/wp-content/uploads/2017/03/home-icon-06.png\" alt=\"home-icon-06\" width=\"101\" height=\"114\" />[/vc_column_text][vc_custom_heading text=\"Last Mile\" font_container=\"tag:h6|font_size:24px|text_align:center|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_1488464926557{padding-top: 5px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Coordinated motivation of small businesses, consumers and solution providers to drive high-frequency, low-value digital transactions and large scale adoption</p>\r\n\r\n[/vc_column_text][kleo_gap size=\"20px\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" visibility=\"hidden-xs,hidden-sm,hidden-md,visible-lg,visible-xlg\" bg_image=\"10057\"][vc_column][vc_row_inner inner_container=\"yes\" css=\".vc_custom_1488440272700{padding-right: 0px !important;padding-left: 0px !important;}\"][vc_column_inner css=\".vc_custom_1488440278733{padding-top: 20px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][vc_custom_heading text=\"NEGOTIATING THE CHALLENGES OF THE LAST MILE\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23ffffff|line_height:36px\" 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=\"pcenter\" css=\".vc_custom_1504598529461{padding-right: 17% !important;padding-left: 17% !important;}\"]Catalyst aims to build on recent advancements in digital payments technology and policy to create scalable and sustainable models to achieve last mile financial inclusion[/vc_column_text][vc_empty_space height=\"40px\"][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1488465033413{margin-top: 0px !important;padding-top: 0px !important;}\" el_class=\"row-no-gap pbtlm-container\"][vc_column_inner][vc_single_image image=\"9992\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1491920995715{margin-top: 0px !important;margin-bottom: 10px !important;padding-top: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" visibility=\"hidden-lg,hidden-xlg\" bg_image=\"10057\"][vc_column][vc_row_inner inner_container=\"yes\" css=\".vc_custom_1488440272700{padding-right: 0px !important;padding-left: 0px !important;}\"][vc_column_inner css=\".vc_custom_1488440278733{padding-top: 20px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][vc_custom_heading text=\"NEGOTIATING THE CHALLENGES OF THE LAST MILE\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23ffffff|line_height:36px\" 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=\"pcenter\" css=\".vc_custom_1489497140001{padding-right: 17% !important;padding-left: 17% !important;}\"]Catalyst aims to build on recent advancements in digital payments technology and policy to create scalable and sustainable models to achieve last mile financial inclusion.[/vc_column_text][vc_empty_space height=\"40px\"][/vc_column_inner][/vc_row_inner][vc_row_inner content_placement=\"middle\" inner_container=\"yes\" el_class=\"row-no-gap pbtlm-containerm\" css=\".vc_custom_1488465064371{padding-right: 0px !important;padding-bottom: 20px !important;padding-left: 0px !important;}\"][vc_column_inner css=\".vc_custom_1488465072961{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#ffffff\" letter_spacing=\"75\"]<img class=\"size-full wp-image-9545 aligncenter\" src=\"http://cashlesscatalyst.org/wp-content/uploads/2015/11/home-icon-04.png\" alt=\"home-icon-04\" width=\"101\" height=\"114\" />[/vc_column_text][vc_custom_heading text=\"Technology\" font_container=\"tag:h6|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=\"\" css=\".vc_custom_1488551459544{padding-top: 5px !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Open, interoperable platform technologies such as Aadhaar, Unified Payments Interface (UPI), and the ‘India Stack’ -- with an overarching layer of innovative apps</p>\r\n\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]<img class=\"size-full wp-image-9546 aligncenter\" src=\"http://cashlesscatalyst.org/wp-content/uploads/2015/11/home-icon-05.png\" alt=\"home-icon-05\" width=\"101\" height=\"114\" />[/vc_column_text][vc_custom_heading text=\"Policy\" font_container=\"tag:h6|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=\"\" css=\".vc_custom_1488551377939{padding-top: 5px !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Government initiatives such as Jan Dhan Yojana, Direct benefit Transfers, Small Finance and Payment Banks, and Incentives for a Less Cash Economy - to promote democratization of finance</p>\r\n\r\n[/vc_column_text][kleo_gap size=\"20px\"][kleo_gap size=\"20px\"][vc_column_text letter_spacing=\"\"]<img class=\"aligncenter size-full wp-image-9986\" src=\"http://cashlesscatalyst.org/wp-content/uploads/2017/03/lastmile-icon.png\" alt=\"\" width=\"100\" height=\"113\" />[/vc_column_text][vc_custom_heading text=\"Last Mile\" font_container=\"tag:h6|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=\"\" css=\".vc_custom_1488551407248{padding-top: 5px !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Coordinating small businesses, consumers and solution providers to drive high-frequency, low-value digital transactions and large scale adoption</p>\r\n\r\n[/vc_column_text][kleo_gap size=\"20px\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" visibility=\"hidden-xs,hidden-sm,visible-md,visible-lg,visible-xlg\"][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_1501664101325{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][kleo_gap size=\"60px\"][vc_row_inner css=\".vc_custom_1488458926941{background-color: #ffffff !important;}\"][vc_column_inner][vc_single_image image=\"9978\" img_size=\"full\" alignment=\"center\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"40px\"][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"]\r\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>\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" visibility=\"hidden-md,hidden-lg,hidden-xlg,visible-xs,visible-sm\"][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_1501663979800{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][kleo_gap size=\"40px\"][vc_row_inner equal_height=\"yes\" css=\".vc_custom_1486562584420{background-color: #ffffff !important;}\"][vc_column_inner width=\"1/4\"][vc_single_image image=\"9972\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489155741994{margin-bottom: 10px !important;}\"][vc_custom_heading text=\"Define\" font_container=\"tag:h6|font_size:24px|text_align:center|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_1487845176242{padding-top: 5px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1487845511877{padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\">Distinct economic geographies</p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"9973\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489155771257{margin-bottom: 10px !important;}\"][vc_custom_heading text=\"Test\" font_container=\"tag:h6|font_size:24px|text_align:center|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_1487845204067{padding-top: 5px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1487845496370{padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\">Technology and business models</p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"9979\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489484311056{margin-bottom: 10px !important;}\"][vc_custom_heading text=\"Support\" font_container=\"tag:h6|font_size:24px|text_align:center|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_1489484237352{padding-top: 5px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1487845475351{padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\">Policy and regulation</p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"9974\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489155800651{margin-bottom: 10px !important;}\"][vc_custom_heading text=\"Scale\" font_container=\"tag:h6|font_size:24px|text_align:center|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=\"\" 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onclick=\"custom_link\" img_link_target=\"_blank\" full_width=\"yes\" el_class=\"pwag-height\" link=\"http://cashlesscatalyst.org/wp-content/uploads/2017/01/watal_report-27-12-16.pdf\"][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_single_image image=\"9234\" img_size=\"large\" alignment=\"center\" full_width=\"yes\" el_class=\"pwag-height\" css=\".vc_custom_1487849681448{margin-bottom: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][kleo_button title=\"Read More\" href=\"http://cashlesscatalyst.org/alternative-lending/\" target=\"_blank\" style=\"custom\" border_width=\"2px\" position=\"left\" size=\"sm\" special=\"no\" icon=\"0\" font_size=\"14px\" letter_spacing=\"\" el_class=\"pdp-btn\" custom_background=\"rgba(208,31,60,0.85)\" custom_bg_hover=\"#ffffff\" custom_text=\"#ffffff\" custom_text_hover=\"#d01f3c\" custom_border=\"#d01f3c\" custom_border_hover=\"#ffffff\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"9235\" 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