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(286254, 41001, 'original_message', 'A new comment on the post \"The view from 10 months in..\" is waiting for your approval\r\nhttps://cashlesscatalyst.org/catalyst-blog/view-10-months-in/\r\n\r\nAuthor: SonjaCaf (IP: 178.137.17.255, 178-137-17-255.broadband.kyivstar.net)\r\nEmail: mattressh9@gmail.com\r\nURL: \r\nComment: \r\nbest way to use cbd oil for pain management [url=http://bookmarklive.ml/story.php?title=just-what-you-must-understand-about-cannabis-oil#discuss]view siteA…[/url] \r\ncbd oil for sale online american [url=http://tissuetherapies.info/]super fast reply[/url] \r\ncbd hemp oil for pain reviews [url=http://www.rusartist.org/vasily-ivanovich-surikov-1848-1916/]check this[/url] \r\ncbd oil sds [url=http://www.ignacioacosta.info/author/admin/]web[/url] \r\n \r\ncbd oil for dogs with cancer mercola <a href=\"https://www.liveinternet.ru/users/mcgregor_dogan/post451208532\" rel=\"nofollow\">go!!</a> \r\nbest cbd oil for dogs reviews <a href=\"http://wifiglobal.ru/\" rel=\"nofollow\">Get More Info</a> \r\nbest cbd oil for pain anxiety and sleep <a href=\"https://bestphotoguides.com/contact\" rel=\"nofollow\">read what he said</a> \r\nrecipes for using cbd oil for pain control <a href=\"http://minutersnc.ru/\" rel=\"nofollow\">at yahoo</a>\r\n\r\nApprove it: https://cashlesscatalyst.org/wp-admin/comment.php?action=approve&c=12074#wpbody-content\r\nTrash it: https://cashlesscatalyst.org/wp-admin/comment.php?action=trash&c=12074#wpbody-content\r\nSpam it: https://cashlesscatalyst.org/wp-admin/comment.php?action=spam&c=12074#wpbody-content\r\nCurrently 135 comments are waiting for approval. Please visit the moderation panel:\r\nhttps://cashlesscatalyst.org/wp-admin/edit-comments.php?comment_status=moderated#wpbody-content\r\n'),
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(286995, 41090, 'original_headers', 'From: info@cashlesscatalyst.org\nContent-Type: text/html\nX-WPCF7-Content-Type: text/html\nCc: parvinder@cashlesscatalyst.org\nBcc: avinash@inciteinteract.com, nitin@inciteinteract.com,info@cashlesscatalyst.org\nReply-To: atrayee.das-chaudhurii@azao-conseil.com\n'),
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(286983, 41089, 'original_headers', 'From: info@cashlesscatalyst.org\nContent-Type: text/html\nX-WPCF7-Content-Type: text/html\nCc: parvinder@cashlesscatalyst.org\nBcc: avinash@inciteinteract.com, nitin@inciteinteract.com,info@cashlesscatalyst.org\nReply-To: atrayee.das-chaudhurii@azao-conseil.com\n'),
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(286994, 41090, 'original_message', '<!doctype html>\n<html xmlns=\"http://www.w3.org/1999/xhtml\">\n<head>\n<title>Form Fill from Catalyst Website</title>\n</head>\n<body>\n<p>From: Atrayee Das Chaudhuri <atrayee.das-chaudhurii@azao-conseil.com><br />\nSubject: Form Fill from Catalyst Website</p>\n<p>Hi,</p>\n<p>Some cool, awesome person has filled out a form on the Catalyst website. Please take a look at the details filled out. </p>\n<p>Name: Atrayee Das Chaudhuri<br />\nOrganization: Archipel &amp; Co<br />\nEmail: atrayee.das-chaudhurii@azao-conseil.com<br />\nPhone No.: 9908357568<br />\nMessage: Hi Catalyst team,</p>\n<p>My name is Atrayee and I work for a French Consulting firm. We are currently doing a study to understand start-ups in India and other developing countries.</p>\n<p>We are inspired by Catalyst&#039;s journey and would like to discuss more to present you as a case study to several international clients.</p>\n<p>Please connect to discuss more.</p>\n<p>Best Regards,<br />\nAtrayee<br />\nFile: Digital-divide-and-opportunities-for-informal-sector-Azao.pdf</p>\n<p>--<br />\nHave an awesome day.<br />\nThe ghost in the system..</p>\n<p>This e-mail was sent from a contact form on Catalyst (https://cashlesscatalyst.org)</p>\n</body>\n</html>'),
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(12217, 1, '2018-02-28 11:05:53', '2018-02-28 11:05:53', '[vc_row equal_height=\"yes\" el_id=\"first-section\" inner_container=\"no\" type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" padding_bottom=\"0\" fixed_height=\"899px\" bg_image=\"10072\"][vc_column][vc_row_inner inner_container=\"yes\" min_height=\"899px\" bg_pos_h=\"center\" bg_pos_v=\"top\" css=\".vc_custom_1488466522945{background-position: 0 0 !important;background-repeat: no-repeat !important;}\" el_id=\"white-triangle1\"][vc_column_inner offset=\"vc_col-lg-4 vc_col-md-8 vc_col-xs-12\"][kleo_gap size=\"120px\" visibility=\"visible-xs\"][kleo_gap size=\"160px\" visibility=\"visible-sm\"][kleo_gap size=\"200px\" visibility=\"visible-md,visible-lg\"][vc_custom_heading text=\"MHARO DIGI JAIPUR\" font_container=\"tag:h1|font_size:36px|text_align:left|color:%23ffffff|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" letter-spacing=\"75\"]With a formal agreement with the Government of Rajasthan in place, Catalyst is set to operationalize its very first digital payments lab in Jaipur, a tier 2 city with a 3 million plus population, over 65,000 registered small merchants, and a likely equal number of informal ones. Using a combination of new technologies, business models, and institutional innovations, Catalyst seeks to help Jaipur’s small merchants and low-income consumers move towards a less cash economy.[/vc_column_text][kleo_button title=\"Watch Video\" href=\"https://www.youtube.com/watch?v=jOkQfM-05fI?rel=0\" style=\"custom\" border_width=\"1px\" position=\"left\" size=\"lg\" special=\"no\" icon=\"0\" font_size=\"14px\" letter_spacing=\"\" custom_background=\"#d01f3c\" custom_bg_hover=\"#ffffff\" custom_text=\"#ffffff\" custom_text_hover=\"#d01f3c\" custom_border=\"#d01f3c\" custom_border_hover=\"#d01f3c\"][/vc_column_inner][vc_column_inner offset=\"vc_col-lg-3\"][/vc_column_inner][vc_column_inner offset=\"vc_col-lg-4 vc_col-md-4 vc_col-xs-12\"][kleo_gap size=\"213px\" visibility=\"visible-xs,visible-sm\"][kleo_gap size=\"634px\" visibility=\"visible-md,visible-lg\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"services\" type=\"image\" bg_position_horizontal=\"center\" bg_repeat=\"repeat\" padding_top=\"\" padding_bottom=\"\" bg_image=\"12246\"][vc_column][vc_row_inner equal_height=\"yes\" css=\".vc_custom_1519804882519{margin-bottom: 20px !important;padding-top: 5% !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][vc_column_inner][vc_custom_heading text=\"ENABLING AN ECOSYSTEM APPROACH TO LAST MILE DIGITAL PAYMENTS\" font_container=\"tag:h2|font_size:36px|text_align:left|color:%23ffffff|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" el_class=\"text-uppercase\"][vc_column_text text_color=\"#ffffff\" font_size=\"24px\" letter_spacing=\"\" el_class=\"lh30\" letter-spacing=\"75\"]Under a partnership with the Government of Rajasthan, Catalyst has set up its very first digital payments lab in Jaipur, a tier 2 city with a 3 million plus population, over 65,000 registered small merchants, and a likely equal number of informal ones. Using a combination of new technologies, business models, and institutional innovations, Catalyst seeks to help Jaipur\'s small merchants and low-income consumers move towards a less cash economy.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" css=\".vc_custom_1519809533400{margin-bottom: 20px !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][vc_column_inner css=\".vc_custom_1519809472091{padding-top: 2% !important;padding-bottom: 2% !important;background-color: rgba(0,0,0,0.5) !important;*background-color: rgb(0,0,0) !important;}\"][vc_single_image image=\"12243\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519809482562{padding-top: 4% !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"24px\" letter_spacing=\"\" el_class=\"lh30\" letter-spacing=\"75\" css=\".vc_custom_1519809000448{padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\">Our focus is on solving coordination-based market failures through a local ecosystem approach to drive routine &amp; high-frequency payments and change behavior of small merchants and consumers</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_section css=\".vc_custom_1519812295582{background-image: url(http://cashlesscatalyst.org/wp-content/uploads/2018/02/digital-paymentlab-banner.jpg?id=12246) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][vc_row gap=\"30\" equal_height=\"yes\" disable_element=\"yes\" front_status=\"draft\" type=\"color\" bg_color=\"rgba(255,255,255,0.01)\" inline_style=\"background: transparent;\"][vc_column width=\"1/3\" css=\".vc_custom_1519813366617{padding-top: 20px !important;padding-right: 4% !important;padding-bottom: 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!important;}\"]\r\n<p style=\"text-align: center;\">Expanding reach and coverage to drive consumer demand for digital payment acceptance</p>\r\n[/vc_column_text][kleo_gap size=\"50px\"][vc_single_image image=\"12226\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519811022211{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Inclusive digital finance in low-income slums\" font_container=\"tag:h3|font_size:20px|text_align:center|color:%23373a3a|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\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1519811288264{margin-top: 0px !important;padding-right: 17% !important;padding-left: 17% !important;}\"][vc_single_image image=\"12235\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519811198270{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" letter-spacing=\"75\" css=\".vc_custom_1519811906477{margin-bottom: 0px !important;padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong style=\"font-weight: 500;\">Goal:</strong> Drive active banking and digital finance in a low income cluster and market cluster in Shastri Nagar, Jaipur</p>\r\n[/vc_column_text][kleo_button title=\"Learn More\" style=\"custom\" border_width=\"1px\" position=\"center\" special=\"no\" icon=\"0\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" custom_background=\"#d11e3c\" custom_bg_hover=\"rgba(255,255,255,0.01)\" custom_text=\"#ffffff\" custom_text_hover=\"#d11e3c\" custom_border=\"#d11e3c\" custom_border_hover=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" gap=\"35\"][vc_column_inner][kleo_gap size=\"50px\"][vc_single_image image=\"12229\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519813830235{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Wealth management for the poor\" font_container=\"tag:h3|font_size:20px|text_align:center|color:%23373a3a|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\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1519813851344{margin-top: 0px !important;}\"][vc_single_image image=\"12238\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519813900155{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" letter-spacing=\"75\" css=\".vc_custom_1519813926321{margin-bottom: 0px !important;padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong style=\"font-weight: 500;\">Goal:</strong> AI driven wealth management and digital financial services to reduce income volatility among poor communities in Jaipur</p>\r\n[/vc_column_text][kleo_button title=\"Learn More\" style=\"custom\" border_width=\"1px\" position=\"center\" special=\"no\" icon=\"0\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" custom_background=\"#d11e3c\" custom_bg_hover=\"rgba(255,255,255,0.01)\" custom_text=\"#ffffff\" custom_text_hover=\"#d11e3c\" custom_border=\"#d11e3c\" custom_border_hover=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" gap=\"35\"][vc_column_inner][kleo_gap size=\"50px\"][vc_single_image image=\"12232\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519814171328{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Transit payments\" font_container=\"tag:h3|font_size:20px|text_align:center|color:%23373a3a|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\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1519814181302{margin-top: 0px !important;}\"][vc_single_image image=\"12240\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519814207560{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" letter-spacing=\"75\" css=\".vc_custom_1519814231121{margin-bottom: 0px !important;padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong style=\"font-weight: 500;\">Goal:</strong> Digitize transport networks - metro, buses, parking and tourism through an open-loop, interoperable solution</p>\r\n[/vc_column_text][kleo_button title=\"Learn More\" style=\"custom\" border_width=\"1px\" position=\"center\" special=\"no\" icon=\"0\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" custom_background=\"#d11e3c\" custom_bg_hover=\"rgba(255,255,255,0.01)\" custom_text=\"#ffffff\" custom_text_hover=\"#d11e3c\" custom_border=\"#d11e3c\" custom_border_hover=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/3\" css=\".vc_custom_1519813321526{padding-top: 20px !important;padding-right: 4% !important;padding-bottom: 20px !important;padding-left: 4% !important;background-color: #e6e7e8 !important;}\"][vc_row_inner equal_height=\"yes\" gap=\"35\"][vc_column_inner][vc_single_image image=\"12224\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519810392555{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"MERCHANTS\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" el_class=\"text-uppercase\" css=\".vc_custom_1519810406546{margin-top: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\" letter-spacing=\"75\" css=\".vc_custom_1519810423248{padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\">Addressing deep, tangible and immediate sources of value to merchants through digital payment solutions</p>\r\n[/vc_column_text][kleo_gap size=\"50px\"][vc_single_image image=\"12227\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519811354411{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Consumer to Government payments (E-Mitra network)\" font_container=\"tag:h3|font_size:20px|text_align:center|color:%23373a3a|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\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1519812153726{margin-top: 0px !important;padding-right: 10% !important;padding-left: 10% !important;}\"][vc_single_image image=\"12236\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519811410804{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" letter-spacing=\"75\" css=\".vc_custom_1519811917927{margin-bottom: 0px !important;padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong style=\"font-weight: 500;\">Goal:</strong> Drive penetration of digital payment solutions (Aadhaar Pay) among e-mitra customers by onboarding merchants and rationalizing MDR charges</p>\r\n[/vc_column_text][kleo_button title=\"Learn More\" style=\"custom\" border_width=\"1px\" position=\"center\" special=\"no\" icon=\"0\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" custom_background=\"#d11e3c\" custom_bg_hover=\"rgba(255,255,255,0.01)\" custom_text=\"#ffffff\" custom_text_hover=\"#d11e3c\" custom_border=\"#d11e3c\" custom_border_hover=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" gap=\"35\"][vc_column_inner][kleo_gap size=\"50px\"][vc_single_image image=\"12230\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519813973849{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Hyperlocal digital financial services\" font_container=\"tag:h3|font_size:20px|text_align:center|color:%23373a3a|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\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1519813986472{margin-top: 0px !important;}\"][vc_single_image image=\"12239\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519814003652{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" letter-spacing=\"75\" css=\".vc_custom_1519814029207{margin-bottom: 0px !important;padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong style=\"font-weight: 500;\">Goal:</strong> Convert retail stores into financial supermarkets using Aadhaar enabled services, digital payment acceptance, cash in - cash out, and other business correspondent services</p>\r\n[/vc_column_text][kleo_button title=\"Learn More\" style=\"custom\" border_width=\"1px\" position=\"center\" special=\"no\" icon=\"0\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" custom_background=\"#d11e3c\" custom_bg_hover=\"rgba(255,255,255,0.01)\" custom_text=\"#ffffff\" custom_text_hover=\"#d11e3c\" custom_border=\"#d11e3c\" custom_border_hover=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" gap=\"35\"][vc_column_inner][kleo_gap size=\"50px\"][vc_single_image image=\"12233\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519814272126{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Collection for subscription-based vendors\r\n\" font_container=\"tag:h3|font_size:20px|text_align:center|color:%23373a3a|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\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1519814294270{margin-top: 0px !important;padding-right: 4% !important;padding-left: 4% !important;}\"][vc_single_image image=\"12241\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519814325090{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" letter-spacing=\"75\" css=\".vc_custom_1519814342960{margin-bottom: 0px !important;padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong style=\"font-weight: 500;\">Goal:</strong> Digitize customer collections for newspaper, tiffin, cable and milk distributors using a digital invoicing applications</p>\r\n[/vc_column_text][kleo_button title=\"Learn More\" style=\"custom\" border_width=\"1px\" position=\"center\" special=\"no\" icon=\"0\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" custom_background=\"#d11e3c\" custom_bg_hover=\"rgba(255,255,255,0.01)\" custom_text=\"#ffffff\" custom_text_hover=\"#d11e3c\" custom_border=\"#d11e3c\" custom_border_hover=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/3\" css=\".vc_custom_1519813418306{padding-top: 20px !important;padding-right: 4% !important;padding-bottom: 20px !important;padding-left: 4% !important;background-color: #ffffff !important;}\"][vc_row_inner equal_height=\"yes\" gap=\"35\"][vc_column_inner][vc_single_image image=\"12225\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519810752729{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"DISTRIBUTORS\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" el_class=\"text-uppercase\" css=\".vc_custom_1519810781123{margin-top: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\" letter-spacing=\"75\" css=\".vc_custom_1519810922100{padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\">Alleviating costs of cash incurred by distributors to influence their downstream merchant ecosystems</p>\r\n[/vc_column_text][kleo_gap size=\"50px\"][vc_single_image image=\"12228\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519811627979{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"FMCG supply chain\" font_container=\"tag:h3|font_size:20px|text_align:center|color:%23373a3a|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\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1519811642865{margin-top: 0px !important;}\"][vc_single_image image=\"12237\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519811662861{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" letter-spacing=\"75\" css=\".vc_custom_1519811929503{margin-bottom: 0px !important;padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong style=\"font-weight: 500;\">Goal:</strong> Digitize supply chain payments in the FMCG sector by providing sales incentives to retailers</p>\r\n[/vc_column_text][kleo_button title=\"Learn More\" style=\"custom\" border_width=\"1px\" position=\"center\" special=\"no\" icon=\"0\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" custom_background=\"#d11e3c\" custom_bg_hover=\"rgba(255,255,255,0.01)\" custom_text=\"#ffffff\" custom_text_hover=\"#d11e3c\" custom_border=\"#d11e3c\" custom_border_hover=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" gap=\"35\"][vc_column_inner][kleo_gap size=\"50px\"][vc_single_image image=\"12231\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519814079441{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Pharmaceutical supply chain\" font_container=\"tag:h3|font_size:20px|text_align:center|color:%23373a3a|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\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1519814089052{margin-top: 0px !important;}\"][vc_single_image image=\"12237\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519814103923{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" letter-spacing=\"75\" css=\".vc_custom_1519814125385{margin-bottom: 0px !important;padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong style=\"font-weight: 500;\">Goal:</strong> Digitize supply chain payments in the pharmaceutical sector by providing sales incentives to retailers</p>\r\n[/vc_column_text][kleo_button title=\"Learn More\" style=\"custom\" border_width=\"1px\" position=\"center\" special=\"no\" icon=\"0\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" custom_background=\"#d11e3c\" custom_bg_hover=\"rgba(255,255,255,0.01)\" custom_text=\"#ffffff\" custom_text_hover=\"#d11e3c\" custom_border=\"#d11e3c\" custom_border_hover=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" gap=\"35\"][vc_column_inner][kleo_gap size=\"50px\"][vc_single_image image=\"12234\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519814392378{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Dairy forward supply chain (distributor to retailer)\" font_container=\"tag:h3|font_size:20px|text_align:center|color:%23373a3a|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\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1519814403257{margin-top: 0px !important;}\"][vc_single_image image=\"12242\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519814418461{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" letter-spacing=\"75\" css=\".vc_custom_1519814442296{margin-bottom: 0px !important;padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong style=\"font-weight: 500;\">Goal:</strong> Digitize transport networks - metro, buses, parking and tourism through an open-loop, interoperable solution</p>\r\n[/vc_column_text][kleo_button title=\"Learn More\" style=\"custom\" border_width=\"1px\" position=\"center\" special=\"no\" icon=\"0\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" custom_background=\"#d11e3c\" custom_bg_hover=\"rgba(255,255,255,0.01)\" custom_text=\"#ffffff\" custom_text_hover=\"#d11e3c\" custom_border=\"#d11e3c\" custom_border_hover=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row disable_element=\"yes\" front_status=\"draft\" type=\"color\" inline_style=\"background: transparent;\"][vc_column][vc_row_inner equal_height=\"yes\" content_placement=\"middle\" css=\".vc_custom_1519815370703{padding-top: 30px !important;padding-bottom: 30px !important;background-color: #e6e7e8 !important;}\"][vc_column_inner width=\"1/6\"][vc_single_image image=\"12273\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519814898644{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Credit as a hook\" font_container=\"tag:h3|font_size:20px|text_align:center|color:%23373a3a|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\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1519814921098{margin-top: 0px !important;padding-right: 4% !important;padding-left: 4% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/12\" css=\".vc_custom_1519815506820{padding-right: 0px !important;padding-left: 0px !important;}\" offset=\"vc_hidden-md vc_hidden-sm vc_hidden-xs\"][vc_separator color=\"custom\" accent_color=\"#5b5b5b\" el_class=\"r90\"][/vc_column_inner][vc_column_inner width=\"3/4\"][vc_single_image image=\"12275\" img_size=\"full\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519815096688{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" letter-spacing=\"75\" css=\".vc_custom_1519815443507{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: left;\"><strong style=\"font-weight: 500;\">Goal:</strong> Deploy business models which link merchant access to credit to digital payment usage milestones</p>\r\n[/vc_column_text][kleo_button title=\"Learn More\" style=\"custom\" border_width=\"1px\" position=\"left\" special=\"no\" icon=\"0\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" custom_background=\"#d11e3c\" custom_bg_hover=\"rgba(255,255,255,0.01)\" custom_text=\"#ffffff\" custom_text_hover=\"#d11e3c\" custom_border=\"#d11e3c\" custom_border_hover=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][/vc_section][vc_section css=\".vc_custom_1519812295582{background-image: url(http://cashlesscatalyst.org/wp-content/uploads/2018/02/digital-paymentlab-banner.jpg?id=12246) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\"][vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"color\" inline_style=\"background: transparent;\"][vc_column width=\"1/5\" css=\".vc_custom_1519816641993{padding-top: 20px !important;padding-right: 4% !important;padding-bottom: 20px !important;padding-left: 4% !important;background-color: #ffffff !important;}\"][vc_row_inner equal_height=\"yes\" gap=\"35\"][vc_column_inner][vc_single_image image=\"12223\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519810152473{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"CONSUMERS\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" el_class=\"text-uppercase\" css=\".vc_custom_1519810352340{margin-top: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\" letter-spacing=\"75\" css=\".vc_custom_1519810064981{padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\">Expanding reach and coverage to drive consumer demand for digital payment acceptance</p>\r\n[/vc_column_text][kleo_gap size=\"50px\"][vc_single_image image=\"12226\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519811022211{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Inclusive digital finance in low-income slums\" font_container=\"tag:h3|font_size:20px|text_align:center|color:%23373a3a|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\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1519811288264{margin-top: 0px !important;padding-right: 17% !important;padding-left: 17% !important;}\"][vc_single_image image=\"12235\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519811198270{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" letter-spacing=\"75\" css=\".vc_custom_1519811906477{margin-bottom: 0px !important;padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong style=\"font-weight: 500;\">Goal:</strong> Drive active banking and digital finance in a low income cluster and market cluster in Shastri Nagar, Jaipur</p>\r\n[/vc_column_text][kleo_button title=\"Learn More\" href=\"http://cashlesscatalyst.org/market-cluster/\" style=\"custom\" border_width=\"1px\" position=\"center\" special=\"no\" icon=\"0\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" custom_background=\"#d11e3c\" custom_bg_hover=\"rgba(255,255,255,0.01)\" custom_text=\"#ffffff\" custom_text_hover=\"#d11e3c\" custom_border=\"#d11e3c\" custom_border_hover=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" gap=\"35\"][vc_column_inner][kleo_gap size=\"50px\"][vc_single_image image=\"12229\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519813830235{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Wealth management for the poor\" font_container=\"tag:h3|font_size:20px|text_align:center|color:%23373a3a|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\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1519813851344{margin-top: 0px !important;}\"][vc_single_image image=\"12238\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519813900155{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" letter-spacing=\"75\" css=\".vc_custom_1519813926321{margin-bottom: 0px !important;padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong style=\"font-weight: 500;\">Goal:</strong> AI driven wealth management and digital financial services to reduce income volatility among poor communities in Jaipur</p>\r\n[/vc_column_text][kleo_button title=\"Learn More\" style=\"custom\" border_width=\"1px\" position=\"center\" special=\"no\" icon=\"0\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" custom_background=\"#d11e3c\" custom_bg_hover=\"rgba(255,255,255,0.01)\" custom_text=\"#ffffff\" custom_text_hover=\"#d11e3c\" custom_border=\"#d11e3c\" custom_border_hover=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" gap=\"35\"][vc_column_inner][kleo_gap size=\"50px\"][vc_single_image image=\"12232\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519814171328{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Transit payments\" font_container=\"tag:h3|font_size:20px|text_align:center|color:%23373a3a|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\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1519814181302{margin-top: 0px !important;}\"][vc_single_image image=\"12240\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519814207560{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" letter-spacing=\"75\" css=\".vc_custom_1519814231121{margin-bottom: 0px !important;padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong style=\"font-weight: 500;\">Goal:</strong> Digitize transport networks - metro, buses, parking and tourism through an open-loop, interoperable solution</p>\r\n[/vc_column_text][kleo_button title=\"Learn More\" style=\"custom\" border_width=\"1px\" position=\"center\" special=\"no\" icon=\"0\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" custom_background=\"#d11e3c\" custom_bg_hover=\"rgba(255,255,255,0.01)\" custom_text=\"#ffffff\" custom_text_hover=\"#d11e3c\" custom_border=\"#d11e3c\" custom_border_hover=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/12\" z_index=\"1\" css=\".vc_custom_1519819137171{margin-right: -7px !important;margin-left: -7px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"12293\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/5\" css=\".vc_custom_1519816662046{padding-top: 20px !important;padding-right: 4% !important;padding-bottom: 20px !important;padding-left: 4% !important;background-color: #e6e7e8 !important;}\"][vc_row_inner equal_height=\"yes\" gap=\"35\"][vc_column_inner][vc_single_image image=\"12224\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519810392555{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"MERCHANTS\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" el_class=\"text-uppercase\" css=\".vc_custom_1519810406546{margin-top: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\" letter-spacing=\"75\" css=\".vc_custom_1519810423248{padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\">Addressing deep, tangible and immediate sources of value to merchants through digital payment solutions</p>\r\n[/vc_column_text][kleo_gap size=\"50px\"][vc_single_image image=\"12227\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519811354411{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Consumer to Government payments (E-Mitra network)\" font_container=\"tag:h3|font_size:20px|text_align:center|color:%23373a3a|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\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1519812153726{margin-top: 0px !important;padding-right: 10% !important;padding-left: 10% !important;}\"][vc_single_image image=\"12236\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519811410804{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" letter-spacing=\"75\" css=\".vc_custom_1519811917927{margin-bottom: 0px !important;padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong style=\"font-weight: 500;\">Goal:</strong> Drive penetration of digital payment solutions (Aadhaar Pay) among e-mitra customers by onboarding merchants and rationalizing MDR charges</p>\r\n[/vc_column_text][kleo_button title=\"Learn More\" href=\"http://cashlesscatalyst.org/emitra/\" style=\"custom\" border_width=\"1px\" position=\"center\" special=\"no\" icon=\"0\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" custom_background=\"#d11e3c\" custom_bg_hover=\"rgba(255,255,255,0.01)\" custom_text=\"#ffffff\" custom_text_hover=\"#d11e3c\" custom_border=\"#d11e3c\" custom_border_hover=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" gap=\"35\"][vc_column_inner][kleo_gap size=\"50px\"][vc_single_image image=\"12230\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519813973849{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Hyperlocal digital financial services\" font_container=\"tag:h3|font_size:20px|text_align:center|color:%23373a3a|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\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1519813986472{margin-top: 0px !important;}\"][vc_single_image image=\"12239\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519814003652{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" letter-spacing=\"75\" css=\".vc_custom_1519814029207{margin-bottom: 0px !important;padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong style=\"font-weight: 500;\">Goal:</strong> Convert retail stores into financial supermarkets using Aadhaar enabled services, digital payment acceptance, cash in - cash out, and other business correspondent services</p>\r\n[/vc_column_text][kleo_button title=\"Learn More\" style=\"custom\" border_width=\"1px\" position=\"center\" special=\"no\" icon=\"0\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" custom_background=\"#d11e3c\" custom_bg_hover=\"rgba(255,255,255,0.01)\" custom_text=\"#ffffff\" custom_text_hover=\"#d11e3c\" custom_border=\"#d11e3c\" custom_border_hover=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" gap=\"35\"][vc_column_inner][kleo_gap size=\"50px\"][vc_single_image image=\"12233\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519814272126{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Collection for subscription-based vendors\r\n\" font_container=\"tag:h3|font_size:20px|text_align:center|color:%23373a3a|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\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1519814294270{margin-top: 0px !important;padding-right: 4% !important;padding-left: 4% !important;}\"][vc_single_image image=\"12241\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519814325090{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" letter-spacing=\"75\" css=\".vc_custom_1519814342960{margin-bottom: 0px !important;padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong style=\"font-weight: 500;\">Goal:</strong> Digitize customer collections for newspaper, tiffin, cable and milk distributors using a digital invoicing applications</p>\r\n[/vc_column_text][kleo_button title=\"Learn More\" href=\"http://cashlesscatalyst.org/mera-paper/\" style=\"custom\" border_width=\"1px\" position=\"center\" special=\"no\" icon=\"0\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" custom_background=\"#d11e3c\" custom_bg_hover=\"rgba(255,255,255,0.01)\" custom_text=\"#ffffff\" custom_text_hover=\"#d11e3c\" custom_border=\"#d11e3c\" custom_border_hover=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/12\" z_index=\"1\" css=\".vc_custom_1519819148582{margin-right: -7px !important;margin-left: -7px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"12293\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/5\" css=\".vc_custom_1519816675392{padding-top: 20px !important;padding-right: 4% !important;padding-bottom: 20px !important;padding-left: 4% !important;background-color: #ffffff !important;}\"][vc_row_inner equal_height=\"yes\" gap=\"35\"][vc_column_inner][vc_single_image image=\"12225\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519810752729{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"DISTRIBUTORS\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" el_class=\"text-uppercase\" css=\".vc_custom_1519810781123{margin-top: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\" letter-spacing=\"75\" css=\".vc_custom_1519810922100{padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\">Alleviating costs of cash incurred by distributors to influence their downstream merchant ecosystems</p>\r\n[/vc_column_text][kleo_gap size=\"50px\"][vc_single_image image=\"12228\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519811627979{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"FMCG supply chain\" font_container=\"tag:h3|font_size:20px|text_align:center|color:%23373a3a|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\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1519811642865{margin-top: 0px !important;}\"][vc_single_image image=\"12237\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519811662861{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" letter-spacing=\"75\" css=\".vc_custom_1519811929503{margin-bottom: 0px !important;padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong style=\"font-weight: 500;\">Goal:</strong> Digitize supply chain payments in the FMCG sector by providing sales incentives to retailers</p>\r\n[/vc_column_text][kleo_button title=\"Learn More\" href=\"http://cashlesscatalyst.org/supply-chain/\" style=\"custom\" border_width=\"1px\" position=\"center\" special=\"no\" icon=\"0\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" custom_background=\"#d11e3c\" custom_bg_hover=\"rgba(255,255,255,0.01)\" custom_text=\"#ffffff\" custom_text_hover=\"#d11e3c\" custom_border=\"#d11e3c\" custom_border_hover=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" gap=\"35\"][vc_column_inner][kleo_gap size=\"50px\"][vc_single_image image=\"12231\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519814079441{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Pharmaceutical supply chain\" font_container=\"tag:h3|font_size:20px|text_align:center|color:%23373a3a|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\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1519814089052{margin-top: 0px !important;}\"][vc_single_image image=\"12237\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519814103923{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" letter-spacing=\"75\" css=\".vc_custom_1519814125385{margin-bottom: 0px !important;padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong style=\"font-weight: 500;\">Goal:</strong> Digitize supply chain payments in the pharmaceutical sector by providing sales incentives to retailers</p>\r\n[/vc_column_text][kleo_button title=\"Learn More\" style=\"custom\" border_width=\"1px\" position=\"center\" special=\"no\" icon=\"0\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" custom_background=\"#d11e3c\" custom_bg_hover=\"rgba(255,255,255,0.01)\" custom_text=\"#ffffff\" custom_text_hover=\"#d11e3c\" custom_border=\"#d11e3c\" custom_border_hover=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" gap=\"35\"][vc_column_inner][kleo_gap size=\"50px\"][vc_single_image image=\"12234\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519814392378{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Dairy forward supply chain (distributor to retailer)\" font_container=\"tag:h3|font_size:20px|text_align:center|color:%23373a3a|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\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1519814403257{margin-top: 0px !important;}\"][vc_single_image image=\"12242\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519814418461{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" letter-spacing=\"75\" css=\".vc_custom_1519814442296{margin-bottom: 0px !important;padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong style=\"font-weight: 500;\">Goal:</strong> Digitize transport networks - metro, buses, parking and tourism through an open-loop, interoperable solution</p>\r\n[/vc_column_text][kleo_button title=\"Learn More\" href=\"http://cashlesscatalyst.org/dairy/\" style=\"custom\" border_width=\"1px\" position=\"center\" special=\"no\" icon=\"0\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" custom_background=\"#d11e3c\" custom_bg_hover=\"rgba(255,255,255,0.01)\" custom_text=\"#ffffff\" custom_text_hover=\"#d11e3c\" custom_border=\"#d11e3c\" custom_border_hover=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" padding_top=\"0\" inline_style=\"background: transparent;\"][vc_column][vc_row_inner equal_height=\"yes\" content_placement=\"middle\" css=\".vc_custom_1519815370703{padding-top: 30px !important;padding-bottom: 30px !important;background-color: #e6e7e8 !important;}\"][vc_column_inner width=\"1/6\"][vc_single_image image=\"12273\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519814898644{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Credit as a hook\" font_container=\"tag:h3|font_size:20px|text_align:center|color:%23373a3a|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\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1519814921098{margin-top: 0px !important;padding-right: 4% !important;padding-left: 4% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/12\" css=\".vc_custom_1519815506820{padding-right: 0px !important;padding-left: 0px !important;}\" offset=\"vc_hidden-md vc_hidden-sm vc_hidden-xs\"][vc_separator color=\"custom\" accent_color=\"#5b5b5b\" el_class=\"r90\"][/vc_column_inner][vc_column_inner width=\"3/4\"][vc_single_image image=\"12297\" img_size=\"full\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1519818999060{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" letter-spacing=\"75\" css=\".vc_custom_1519815443507{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: left;\"><strong style=\"font-weight: 500;\">Goal:</strong> Deploy business models which link merchant access to credit to digital payment usage milestones</p>\r\n[/vc_column_text][kleo_button title=\"Learn More\" href=\"http://cashlesscatalyst.org/digital-credit/\" style=\"custom\" border_width=\"1px\" position=\"left\" special=\"no\" icon=\"0\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" custom_background=\"#d11e3c\" custom_bg_hover=\"rgba(255,255,255,0.01)\" custom_text=\"#ffffff\" custom_text_hover=\"#d11e3c\" custom_border=\"#d11e3c\" custom_border_hover=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row padding_bottom=\"0\" inline_style=\"background: transparent;\"][vc_column][/vc_column][/vc_row][/vc_section][vc_row disable_element=\"yes\" 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!important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">CATALYST is an initiative seeded by an alliance between the Government of India &amp; USAID, to expand digital payments and financial inclusion in India, especially for small merchants and low-income consumers.</p>\r\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\r\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'Digital Payment Lab', '', 'draft', 'closed', 'closed', '', 'digital-payment-lab-2', '', '', '2018-02-28 12:08:46', '2018-02-28 12:08:46', '', 0, 'http://cashlesscatalyst.org/?page_id=12217', 0, 'page', '', 0);
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(12214, 1, '2018-02-27 11:49:51', '2018-02-27 11:49:51', '', 'Catalyst-Presentation-FINposium', '', 'inherit', 'closed', 'closed', '', 'catalyst-presentation-finposium', '', '', '2018-02-27 11:49:51', '2018-02-27 11:49:51', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/02/Catalyst-Presentation-FINposium.pdf', 0, 'attachment', 'application/pdf', 0),
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(12208, 1, '2018-02-27 10:41:48', '2018-02-27 10:41:48', '', 'finposium8-banner', '', 'inherit', 'closed', 'closed', '', 'finposium8-banner', '', '', '2018-02-27 10:41:48', '2018-02-27 10:41:48', '', 12207, 'http://cashlesscatalyst.org/wp-content/uploads/2018/02/finposium8-banner.jpg', 0, 'attachment', 'image/jpeg', 0),
(12207, 1, '2018-02-27 11:12:10', '2018-02-27 11:12:10', '[vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"image\" bg_position_horizontal=\"center\" padding_top=\"65\" padding_bottom=\"65\" bg_image=\"12208\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner width=\"1/6\"][vc_single_image image=\"10108\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-visible\" css_animation=\"el-fade\"][/vc_column_inner][vc_column_inner width=\"5/6\"][vc_custom_heading text=\"Catalyst FINposium 9\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23ffffff|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1521210608413{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]<strong>Event:</strong> Workshop on Innovation Partnerships with Financial Institutions\r\n<strong>Date:</strong> October 26<sup>th</sup>, 2017\r\n<strong>Location:</strong> Jaipur, India\r\n<strong>Attendance:</strong> 57 participants representing 37 organisations [/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"INTRODUCTION\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23383b3b|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1519728201348{margin-top: 30px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]The 9th Catalyst FINposium was organised in association with the Department of Information Technology and Communications (DoITC), Government of Rajasthan (GoR), and brought together a confluence of government representatives, innovators, knowledge agencies for a deep-dive on enabling digital transactions between small merchants and low-to-middle income consumers.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_custom_heading text=\"OBJECTIVES\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23383b3b|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485501770323{margin-top: 30px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<ul class=\"pclist-red\">\r\n 	<li>Sharing insights, challenges and opportunities for digital</li>\r\n 	<li>Deepening insights on digital payment solutions and sharing work ​from the Catalyst Digital Payments Lab in Jaipur, where we have been co-creating business ideas, solutions and models.</li>\r\n 	<li>Providing a platform to various stakeholders for sharing insights, trends, challenges and implementation experiences from India’s digital finance and payment landscape especially for the last mile.</li>\r\n 	<li>Showcasing partnerships and with key stakeholders in the financial inclusion space.</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\" padding_top=\"0\"][vc_column][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"INAUGURAL SESSION\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23373a3a|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24 \"]The key dignitaries at the inaugural session included Mr. Fernando Maldonado, Director Digital Finance, USAID, Dr. Hansraj Yadav, Additional Director, DoIT, Ms. Sharon Buteau, Executive Director, IFMR Lead and Mr. Punit Shukla, NITI Aayog.\r\n\r\nMr. Fernando Maldonado inaugurated the FINposium by reiterating the need for coordinated efforts with a result-driven approach to create a formal economy and achieve financial inclusion in India. In the Keynote Address, Dr. Hansraj Yadav outlined ongoing Government of Rajasthan (GoR) initiatives to facilitate bringing 5 lakh merchants on digital payments by March 2018. Emphasizing on the state government’s commitment to building a strong database to record Direct Benefit Transfer (DBT) from the government to citizens as well as transactional information from a variety of distributors, Dr. Hansraj invited the partnership of lenders and solution providers in tapping into this data in the creation of targeted product and services.\r\n\r\nMr. Punit Shukla outlined NITI Aayog’s specific focus on creating a digital transformation index to identify how digitally enabled different states are in the current scenario, and the importance of this ranking in furthering e-governance and service distribution.\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"FOOD FOR THOUGHT\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23373a3a|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24 \"]An overview of business models featured in Government of Rajasthan &amp; Catalyst’s Digital Payments Lab partnership.\r\n\r\n<strong>Presenter: Badal Malick, CEO, Catalyst</strong>\r\n\r\nMaking a detailed presentation about Catalyst’s work in Jaipur through its Digital Payment’s Lab, Badal Malick, CEO, Catalyst, highlighted the need for developing value beyond just transaction by using it as a stepping stone for people to access value adds like credit. “Context plays a very big role in terms of the behaviour of customers and merchants. We need to be mindful of the distinct needs and challenges for each while developing solutions,” he added. “Our fundamental goal is to create broader access to financial services through an ecosystem-based approach, and eventually empower communities that have been underserved by financial services.”\r\n[/vc_column_text][/vc_column_inner][vc_column_inner][kleo_gap size=\"20px\"][vc_custom_heading text=\"PANEL DISCUSSIONS\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23373a3a|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24 \"]The event had exciting discussions centered around specific themes like merchant digitisation approaches, consumer digitisation through communication and engagement strategies, creative incentives, and relevant products to change behaviour and finance and technology solutions for the last mile.[/vc_column_text][kleo_gap size=\"20px\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"26px\" letter_spacing=\"\" el_class=\"lh32\"]\r\n<h3 class=\"fs26\"><span class=\"pred\">MOVING BEYOND THE TRANSACTION:</span> MERCHANT PANEL</h3>\r\n[/vc_column_text][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24 \"]The first panel discussion focused on sharing early insights from small merchant and distributor facing models rolled out in Jaipur by GoR, Catalyst and multiple partners. The discussion was centered around Merchant Digitisation approaches by targeting use cases to drive value and change behaviour. The panel included merchant-focused end users that shared the experience of their first-time use of different digital payment solutions\r\n\r\n<strong>Moderator: Mr. Ashish Aggarwal, Consultant, National Institute of Public Finance and Policy (NIPFP)</strong>\r\n\r\n<strong>Key Insights:</strong>\r\n<ul class=\"pclist-red\">\r\n 	<li>A key challenge to bringing retailers and distributors onto digital payment platforms are the concerns regarding security on linking bank account to an app and converting hard cash to digital.</li>\r\n 	<li>Initiatives such as workshops and programs in digital literacy, and provision of incentives play an important role in closing the gap and encouraging adoption.</li>\r\n 	<li>Merchants are now building their own credit history for customers to compensate for the lack of credible data from other players.</li>\r\n 	<li>There is a strong need for a credit-enabled payment solution that seamlessly integrates the backend and frontend of transactions.</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"26px\" letter_spacing=\"\" el_class=\"lh32\"]\r\n<h3 class=\"fs26\"><span class=\"pred\">FINTECH FOR THE LAST MILE:</span> INNOVATION PANEL</h3>\r\n[/vc_column_text][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]WIth all-star CEO panel, this session championed ‘#Fintech for the last mile’ solutions that addressed needs of underserved communities. Some of the shortlisted startups from the Catalyst Incubator ‘Fintech for the Last Mile’ incubator programme were showcased before the panel discussion, and interesting trends from the first cohort shared.\r\n\r\n<strong>Moderator: Mr. Vivekdeep Gupta, Associate Director- Innovation and Partnerships at Catalyst</strong>\r\n\r\n<strong>Key Insights:</strong>\r\n<ul class=\"pclist-red\">\r\n 	<li>Bank and insurance agents are important existing touch-points to leverage in reaching these households.</li>\r\n 	<li>Consent architecture is yet to be put in place; while the consumer should ideally own data or digital footprint created, it is currently ‘owned’ by the co-creating company or data storage owner.</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][kleo_gap size=\"20px\"][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"26px\" letter_spacing=\"\" el_class=\"lh32\"]\r\n<h3 class=\"fs26\"><span class=\"pred\">ALL ABOUT CONTEXT:</span> CONSUMER PANEL</h3>\r\n[/vc_column_text][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24 \"]This panel discussion focused on consumer digitisation through communication and engagement strategies, creative incentives, and relevant products to change behaviour.\r\nThe need for creating an awareness journey and handholding processes that are rooted in the hyper-local context of the community were highlighted as a cross-cutting theme during the panel discussion.\r\n\r\n<strong>Moderator: Mr. Parvinder Singh, Associate Director- Learning and Communications at Catalyst</strong>\r\n\r\n<strong>Key Insights:</strong>\r\n<ul class=\"pclist-red\">\r\n 	<li>There is a strong need for inculcating online banking and transaction behaviour, especially amongst women.</li>\r\n 	<li>Adoption and uptake of digital payments among the low income or underserved communities need a comprehensive campaign that informs and empowers early adopters to emerge as change agents.</li>\r\n 	<li>The digital transaction narrative needs to be linked with wider financial inclusion.</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"26px\" letter_spacing=\"\" el_class=\"lh32\"]\r\n<h3 class=\"fs26\">THE <span class=\"pred\">ROAD AHEAD</span></h3>\r\n[/vc_column_text][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]The event was brought to a close with a discussion on the road ahead; with a focus on strategies and partnerships to support, sustain and scale successful solutions and business models. This session engaged key local institutions and service providers as well as donors to pave the way towards a less-cash Jaipur- and Rajasthan.\r\n\r\n<strong>Moderators: Dr. Hansraj Yadav, Additional Director, Department of Information Technology, Govt. of Rajasthan, and Mr. Punit Shukla, NITI Aayog </strong>\r\n\r\n<strong>Key Insights:</strong>\r\n<ul class=\"pclist-red\">\r\n 	<li>As behaviour change is a long-term exercise and hand-holding is an important aspect, there is a strong need for a joint education program on digital payments by state governments, banks and NPCI.</li>\r\n 	<li>While the number of cheque and ATM transaction are plateauing, IMPS transactions are growing steadily and UPI platforms are witnessing exponential growth.</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_custom_heading text=\"RESOURCES\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23d11e3c|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488187188062{margin-top: 30px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<ul class=\"pclist-red\">\r\n 	<li><a href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/09/Catalyst_FINposium-Series-%E2%80%93-October.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Agenda</a></li>\r\n 	<li><a href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/02/Catalyst-Presentation-FINposium.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Presentation</a></li>\r\n 	<li><a href=\"https://www.facebook.com/CashlessCatalyst/videos/442457896155982/\" target=\"_blank\" rel=\"noopener noreferrer\">Video Recording</a></li>\r\n 	<li><a href=\"https://cashlesscatalyst.org/latest-news/8th-catalyst-finposium-jaipur/\">Media Coverage/ Press</a></li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"7886\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549449504016{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">[footer_copy]</p>\r\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\r\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'Partner Convening 9', '', 'publish', 'closed', 'closed', '', 'partner-convening-9', '', '', '2019-02-06 10:39:57', '2019-02-06 10:39:57', '', 0, 'http://cashlesscatalyst.org/?page_id=12207', 0, 'page', '', 0),
(40409, 23, '2019-02-06 10:39:57', '2019-02-06 10:39:57', '[vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"image\" bg_position_horizontal=\"center\" padding_top=\"65\" padding_bottom=\"65\" bg_image=\"12208\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner width=\"1/6\"][vc_single_image image=\"10108\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-visible\" css_animation=\"el-fade\"][/vc_column_inner][vc_column_inner width=\"5/6\"][vc_custom_heading text=\"Catalyst FINposium 9\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23ffffff|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1521210608413{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]<strong>Event:</strong> Workshop on Innovation Partnerships with Financial Institutions\r\n<strong>Date:</strong> October 26<sup>th</sup>, 2017\r\n<strong>Location:</strong> Jaipur, India\r\n<strong>Attendance:</strong> 57 participants representing 37 organisations [/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"INTRODUCTION\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23383b3b|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1519728201348{margin-top: 30px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]The 9th Catalyst FINposium was organised in association with the Department of Information Technology and Communications (DoITC), Government of Rajasthan (GoR), and brought together a confluence of government representatives, innovators, knowledge agencies for a deep-dive on enabling digital transactions between small merchants and low-to-middle income consumers.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_custom_heading text=\"OBJECTIVES\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23383b3b|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485501770323{margin-top: 30px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<ul class=\"pclist-red\">\r\n 	<li>Sharing insights, challenges and opportunities for digital</li>\r\n 	<li>Deepening insights on digital payment solutions and sharing work ​from the Catalyst Digital Payments Lab in Jaipur, where we have been co-creating business ideas, solutions and models.</li>\r\n 	<li>Providing a platform to various stakeholders for sharing insights, trends, challenges and implementation experiences from India’s digital finance and payment landscape especially for the last mile.</li>\r\n 	<li>Showcasing partnerships and with key stakeholders in the financial inclusion space.</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\" padding_top=\"0\"][vc_column][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"INAUGURAL SESSION\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23373a3a|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24 \"]The key dignitaries at the inaugural session included Mr. Fernando Maldonado, Director Digital Finance, USAID, Dr. Hansraj Yadav, Additional Director, DoIT, Ms. Sharon Buteau, Executive Director, IFMR Lead and Mr. Punit Shukla, NITI Aayog.\r\n\r\nMr. Fernando Maldonado inaugurated the FINposium by reiterating the need for coordinated efforts with a result-driven approach to create a formal economy and achieve financial inclusion in India. In the Keynote Address, Dr. Hansraj Yadav outlined ongoing Government of Rajasthan (GoR) initiatives to facilitate bringing 5 lakh merchants on digital payments by March 2018. Emphasizing on the state government’s commitment to building a strong database to record Direct Benefit Transfer (DBT) from the government to citizens as well as transactional information from a variety of distributors, Dr. Hansraj invited the partnership of lenders and solution providers in tapping into this data in the creation of targeted product and services.\r\n\r\nMr. Punit Shukla outlined NITI Aayog’s specific focus on creating a digital transformation index to identify how digitally enabled different states are in the current scenario, and the importance of this ranking in furthering e-governance and service distribution.\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"FOOD FOR THOUGHT\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23373a3a|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24 \"]An overview of business models featured in Government of Rajasthan &amp; Catalyst’s Digital Payments Lab partnership.\r\n\r\n<strong>Presenter: Badal Malick, CEO, Catalyst</strong>\r\n\r\nMaking a detailed presentation about Catalyst’s work in Jaipur through its Digital Payment’s Lab, Badal Malick, CEO, Catalyst, highlighted the need for developing value beyond just transaction by using it as a stepping stone for people to access value adds like credit. “Context plays a very big role in terms of the behaviour of customers and merchants. We need to be mindful of the distinct needs and challenges for each while developing solutions,” he added. “Our fundamental goal is to create broader access to financial services through an ecosystem-based approach, and eventually empower communities that have been underserved by financial services.”\r\n[/vc_column_text][/vc_column_inner][vc_column_inner][kleo_gap size=\"20px\"][vc_custom_heading text=\"PANEL DISCUSSIONS\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23373a3a|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24 \"]The event had exciting discussions centered around specific themes like merchant digitisation approaches, consumer digitisation through communication and engagement strategies, creative incentives, and relevant products to change behaviour and finance and technology solutions for the last mile.[/vc_column_text][kleo_gap size=\"20px\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"26px\" letter_spacing=\"\" el_class=\"lh32\"]\r\n<h3 class=\"fs26\"><span class=\"pred\">MOVING BEYOND THE TRANSACTION:</span> MERCHANT PANEL</h3>\r\n[/vc_column_text][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24 \"]The first panel discussion focused on sharing early insights from small merchant and distributor facing models rolled out in Jaipur by GoR, Catalyst and multiple partners. The discussion was centered around Merchant Digitisation approaches by targeting use cases to drive value and change behaviour. The panel included merchant-focused end users that shared the experience of their first-time use of different digital payment solutions\r\n\r\n<strong>Moderator: Mr. Ashish Aggarwal, Consultant, National Institute of Public Finance and Policy (NIPFP)</strong>\r\n\r\n<strong>Key Insights:</strong>\r\n<ul class=\"pclist-red\">\r\n 	<li>A key challenge to bringing retailers and distributors onto digital payment platforms are the concerns regarding security on linking bank account to an app and converting hard cash to digital.</li>\r\n 	<li>Initiatives such as workshops and programs in digital literacy, and provision of incentives play an important role in closing the gap and encouraging adoption.</li>\r\n 	<li>Merchants are now building their own credit history for customers to compensate for the lack of credible data from other players.</li>\r\n 	<li>There is a strong need for a credit-enabled payment solution that seamlessly integrates the backend and frontend of transactions.</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"26px\" letter_spacing=\"\" el_class=\"lh32\"]\r\n<h3 class=\"fs26\"><span class=\"pred\">FINTECH FOR THE LAST MILE:</span> INNOVATION PANEL</h3>\r\n[/vc_column_text][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]WIth all-star CEO panel, this session championed ‘#Fintech for the last mile’ solutions that addressed needs of underserved communities. Some of the shortlisted startups from the Catalyst Incubator ‘Fintech for the Last Mile’ incubator programme were showcased before the panel discussion, and interesting trends from the first cohort shared.\r\n\r\n<strong>Moderator: Mr. Vivekdeep Gupta, Associate Director- Innovation and Partnerships at Catalyst</strong>\r\n\r\n<strong>Key Insights:</strong>\r\n<ul class=\"pclist-red\">\r\n 	<li>Bank and insurance agents are important existing touch-points to leverage in reaching these households.</li>\r\n 	<li>Consent architecture is yet to be put in place; while the consumer should ideally own data or digital footprint created, it is currently ‘owned’ by the co-creating company or data storage owner.</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][kleo_gap size=\"20px\"][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"26px\" letter_spacing=\"\" el_class=\"lh32\"]\r\n<h3 class=\"fs26\"><span class=\"pred\">ALL ABOUT CONTEXT:</span> CONSUMER PANEL</h3>\r\n[/vc_column_text][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24 \"]This panel discussion focused on consumer digitisation through communication and engagement strategies, creative incentives, and relevant products to change behaviour.\r\nThe need for creating an awareness journey and handholding processes that are rooted in the hyper-local context of the community were highlighted as a cross-cutting theme during the panel discussion.\r\n\r\n<strong>Moderator: Mr. Parvinder Singh, Associate Director- Learning and Communications at Catalyst</strong>\r\n\r\n<strong>Key Insights:</strong>\r\n<ul class=\"pclist-red\">\r\n 	<li>There is a strong need for inculcating online banking and transaction behaviour, especially amongst women.</li>\r\n 	<li>Adoption and uptake of digital payments among the low income or underserved communities need a comprehensive campaign that informs and empowers early adopters to emerge as change agents.</li>\r\n 	<li>The digital transaction narrative needs to be linked with wider financial inclusion.</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"26px\" letter_spacing=\"\" el_class=\"lh32\"]\r\n<h3 class=\"fs26\">THE <span class=\"pred\">ROAD AHEAD</span></h3>\r\n[/vc_column_text][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]The event was brought to a close with a discussion on the road ahead; with a focus on strategies and partnerships to support, sustain and scale successful solutions and business models. This session engaged key local institutions and service providers as well as donors to pave the way towards a less-cash Jaipur- and Rajasthan.\r\n\r\n<strong>Moderators: Dr. Hansraj Yadav, Additional Director, Department of Information Technology, Govt. of Rajasthan, and Mr. Punit Shukla, NITI Aayog </strong>\r\n\r\n<strong>Key Insights:</strong>\r\n<ul class=\"pclist-red\">\r\n 	<li>As behaviour change is a long-term exercise and hand-holding is an important aspect, there is a strong need for a joint education program on digital payments by state governments, banks and NPCI.</li>\r\n 	<li>While the number of cheque and ATM transaction are plateauing, IMPS transactions are growing steadily and UPI platforms are witnessing exponential growth.</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_custom_heading text=\"RESOURCES\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23d11e3c|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488187188062{margin-top: 30px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<ul class=\"pclist-red\">\r\n 	<li><a href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/09/Catalyst_FINposium-Series-%E2%80%93-October.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Agenda</a></li>\r\n 	<li><a href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/02/Catalyst-Presentation-FINposium.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Presentation</a></li>\r\n 	<li><a href=\"https://www.facebook.com/CashlessCatalyst/videos/442457896155982/\" target=\"_blank\" rel=\"noopener noreferrer\">Video Recording</a></li>\r\n 	<li><a href=\"https://cashlesscatalyst.org/latest-news/8th-catalyst-finposium-jaipur/\">Media Coverage/ Press</a></li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"7886\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549449504016{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">[footer_copy]</p>\r\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\r\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'Partner Convening 9', '', 'inherit', 'closed', 'closed', '', '12207-revision-v1', '', '', '2019-02-06 10:39:57', '2019-02-06 10:39:57', '', 12207, 'https://cashlesscatalyst.org/media/12207-revision-v1/', 0, 'revision', '', 0);
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(12205, 9, '2018-02-27 07:58:09', '2018-02-27 07:58:09', '[vc_row full_height=\"yes\" equal_height=\"yes\" content_placement=\"middle\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"110\" padding_bottom=\"0\" bg_image=\"11949\"][vc_column][kleo_gap size=\"100px\"][vc_row_inner][vc_column_inner][vc_custom_heading text=\"A TRYST WITH THE CHINESE DIGITAL FINANCE ECOSYSTEM\" font_container=\"tag:h2|font_size:48px|text_align:center|color:%23ffffff|line_height:54px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<p class=\"lh30\" style=\"text-align: center;\">By Badal Malick, Catalyst, New Delhi</p>\r\n[/vc_column_text][/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=\"http://cashlesscatalyst.org/wp-content/uploads/2018/02/Chinese-digital-finance-ecosystem-doc.pdf\" target=\"_blank\" style=\"custom\" position=\"left\" size=\"lg\" special=\"no\" border=\"no\" icon=\"print\" font_size=\"16px\" letter_spacing=\"\" el_class=\"grey-icon\" custom_text=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" padding_bottom=\"10\" bg_image=\"7841\"][vc_column][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]In December, I had the privilege of spending 5 days in Shenzhen and Beijing to immerse myself in the stupendous Chinese digital financial inclusion story, and draw some insightful parallels with the Indian experience.\r\n\r\nThe context of the trip was an invitation to present our work at a financial inclusion workshop organized by the World Savings and Banking Institute (WSBI) and China Postal Savings Bank in Beijing.\r\n\r\nThe event saw participation from banks, MFIs and grassroots organizations across several Asian and African countries. I happened to be the only representative from India.\r\n\r\nDuring my trip, I also had the opportunity to visit TenCent’s operations in Shenzhen as well as the Chinese Academy for Financial Inclusion (CAFI) at Renmin University and China Postal Savings Bank in Beijing.\r\n\r\nI was deeply struck by the divergent financial inclusion trajectories (and resultant outcomes) of our two neighboring countries, which really got me thinking about the underlying factors responsible for this chasm, and particularly how we in India can potentially learn from the Chinese experience.[/vc_column_text][vc_custom_heading text=\"VISIT TO CHINA POSTAL SAVINGS BANK R&amp;D CENTER\" font_container=\"tag:h2|font_size:20px|text_align:left|color:%2337373a|line_height:26px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\"][vc_single_image image=\"11950\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\"][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]A few upfront, context-setting statistics are notable:\r\n\r\n<strong>Bank account penetration:</strong> While both countries have seen widespread account creation amongst the poor, China is much better positioned in terms of actual usage of these accounts. According to the latest available FINDEX survey, 43% of new accounts lie dormant in India versus 8% in China. In fact, 52% of accounts in China are deemed “high use” - defined by at least 3 withdrawals per month or by a direct payment or savings deposit over the previous 12 months. Bank account creation in China has also significantly benefited the poor, the rural and women - which represent most of their 180 million strong “newly banked” segment.\r\n\r\n<strong>Mobile ownership:</strong> According to a 2016 Pew Research Center survey, 71% of Chinese reported having used the Internet or owning a smartphone, compared to one-fifth of Indians. Reported smartphone ownership itself is 68% compared to 18%. Overall mobile ownership is almost universal in China compared to 72% in India. More interestingly, these trends hold even among favorable demographic segments.  Comparative China vs. India smartphone penetration rates were 94% vs. 29% for ages 18-34, 89% vs. 38% for those having at least secondary education, and 87% vs. 24% for above median income levels. Almost 1 in 5 Chinese adults make payments from their bank accounts using mobile phones.\r\n\r\nThe above infrastructural disparities along with regulatory, as well as behavioral or cultural co-factors appear to be responsible for significantly different digital payment usage rates across countries. In 2015, China ranked third globally with 38.1 billion digital payment transactions. India clocked 4.5 billion. According to a recent CapGemini World Payments Report, 2016-2020 CAGR in digital payments growth is expected to be 36% for China and 25% for India.1 To the extent that broader access to digital finance rests upon a foundation of digital payments, the consequences are evident.\r\n\r\nIn this context, I see four broad lessons we can learn from China that should serve us well in building an inclusive digital finance ecosystem.\r\n[/vc_column_text][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\" css=\".vc_custom_1518599324056{margin-top: 70px !important;}\"]<em style=\"font-weight: 300; font-size: 14px; line-height: 20px; text-align: right;\"><sup>*</sup> 1. <a href=\"https://www.capgemini.com/service/world-payments-report-2017-from-capgemini-and-bnp-paribas/\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.capgemini.com/service/world-payments-report-2017-from-capgemini-and-bnp-paribas/</a></em>[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner content_placement=\"middle\" css=\".vc_custom_1518592917858{padding-top: 30px !important;padding-bottom: 30px !important;background-color: rgba(0,0,0,0.01) !important;*background-color: rgb(0,0,0) !important;}\"][vc_column_inner][vc_separator color=\"custom\" accent_color=\"#626262\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" padding_top=\"0\" padding_bottom=\"10\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"#1 A MORE PRAGMATIC AND INNOVATION FRIENDLY REGULATORY APPROACH\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23d11e3c|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\"][kleo_gap][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]The Chinese financial inclusion policy framework is broad, all-encompassing and flexible. It targets universal goals of extending coverage, availability, user satisfaction, and perceived gain for underserved groups including small and micro enterprises, farmers, urban poor, disabled, elderly and other special groups. It promotes affordable, convenient and safe use of financial products amongst the poor.\r\n\r\nIt also articulates the role for a variety of organizations – traditional financial institutions like banks, fin-techs, insurance companies, as well as decentralized and specialized institutions like rural cooperatives, financial leasing companies, wholesale financiers and credit guarantors.\r\n\r\nSimilarly, it defines the scope of what constitutes financial inclusion quite extensively, including micro-lending, online lending and borrowing, capital markets financing, insurance, e-payments, e-commerce, and crowd financing. It also provisions for the need for digital and existing brick &amp; mortar distribution channels to complement one another.\r\n\r\nOn the legal and regulatory side, it underscores the need to define norms, rights and obligations in service provision, systematic monitoring and evaluation, differential incentives, tax/ fiscal, as well as monetary credit policies, and digital financial literacy.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]Importantly, this flexible and non-interventionist framework allows for innovation to flourish across the financial services spectrum. This has greatly encouraged fin-tech innovation and enabled the private sector to develop sustainable business models without needing to worry too much about regulatory risk. Instead, the regulator has leveraged central and local monitoring agencies to track outcomes, manage risk, and only after achieving certain innovation thresholds have they retrofitted regulations where needed, as seen most notably perhaps in the micro-credit and payday lending sectors. Following predatory lending practices with APRs skyrocketing as high as 500%, the regulator capped interest rates charged by service providers (to 36%) for them to be able to avail regulatory safeguards. It’s of course another matter that this created widespread moral hazard that led a vast majority of providers to shut shop.\r\n\r\nIndia, which has adopted a far more prescriptive regulatory framework till date, could possibly benefit from a regulatory approach that tones and times its interventions in a way not to foreclose technology and business model innovation. India is poised to see future growth in areas like digital payments and digital micro-credit, where it could greatly benefit from the Chinese experience in regulating and legislating these domains. China’s central-to-local regulatory infrastructure is also something India can borrow given the similar need to balance innovation and customer protection under scale and complexity.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner content_placement=\"middle\" css=\".vc_custom_1518592917858{padding-top: 30px !important;padding-bottom: 30px !important;background-color: rgba(0,0,0,0.01) !important;*background-color: rgb(0,0,0) !important;}\"][vc_column_inner][vc_separator color=\"custom\" accent_color=\"#626262\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" padding_top=\"0\" padding_bottom=\"10\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"#2 RAPID INNOVATION CYCLES ACROSS PROVIDERS OF FINANCE\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23d11e3c|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\"][kleo_gap][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]The dizzying pace of innovation in China’s financial sector is clear to any lay person by a cursory look at their local newspapers. At the apex of digital finance innovation are two multi-licensed fin-tech giants – Ant Financial and TenCent – who have built massive digital payment ecosystems at break-neck speed on top of their respective e-commerce and social networking platforms, and are now rapidly increasing their footprint across lending, banking, wealth management, and micro-insurance. At over $210B in assets under management and across 370 million investors, Ant Financial’s Yu’e Bao has converted its customer account balances into the largest money market fund in the world, prompting its customers to transfer even more money to its platform. Ant, TenCent and Ping An have teamed up to establish ZhongAn, a company that uses artificial intelligence and big data to reimagine how to design, price, and distribute online-only insurance products (e.g., shipment returns, flight delay, cracked screen policies), and has already in three years sold 5.8 billion policies to 460 million customers.\r\n\r\nIt may be because and not despite the emergence of these two fintech giants and the lure of exits they can provide that the smaller scale fin-tech ecosystem has boomed although it’s far from clear if their dominance is good for local innovation. In 2016, investment in mainland Chinese and Hong Kong fintech ventures totaled $10.2 billion, exceeding North America. A web of JVs, aggressive acquisitions and strategic partnerships have also emerged to create innovative hybrid propositions at scale. Within three years of operations, WeBank, a TenCent JV with two other financial concerns, is serving about 50 million customers with an internet only product suite including micro-loans, wealth management and depository services by leveraging the 900 million strong WeChat online distribution platform.\r\n\r\nIt further uses its distribution channel and technology capabilities to partner with other banks with larger balance sheets and gain a business model advantage. The platform now offers sub-$10, 3-minute loans disbursed at APRs as low as 7% (compared to 22% offered by most credit card companies) and with flexible pre-payment terms.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]Fast-paced and tangible innovation however also extends to a broader list of more traditional financial institutions, which have embraced and aggressively invested in new technologies like cloud computing, big data, AI and blockchain, while continuing to leverage their traditional assets such as strategic partnerships, brick &amp; mortar presence, product breadth, and access to large/ deep customer insights. Many major banks and insurance companies have pledged at least 1% of annual pretax profit into development of fin-tech and online initiatives.\r\n\r\nChina Postal Bank, a first tier bank with retail operations spanning over 500 million customers, 1 billion accounts, and 40,000 branches, has an impressive record of integrated technology into their back-end and front-end systems. PSBC spends $300 million annually on its IT backbone transformation, and has deployed 130+ IT systems across all businesses in the last ten years to support its current scale of 100-150 million transactions per day.\r\n\r\nIt has invested in open, distributed architecture, which enables lower cost, continuous improvements, and has already migrated 60% of transactions to the cloud. PSBC has successfully used blockchain technologies to eliminate repeat verifications and cut sourcing time, and reduce transaction time through smart contracts, shared ledgers, and faster consensus with other partner institutions.\r\n\r\nThe use of AI has helped PSBC automate its customer support, introduce robo-advisory in its wealth management businesses, speeden its audit and authorizations, and enable smart, self-service interfaces using facial, voice and biometric recognition technologies. Branch operations also increasingly cater to young millennial segments by offering a more fun, engaging banking experience through the use of interactive digital technologies along with broader value propositions such as online grocery shopping &amp; pickup service to drive more user affinity, trust, and comfort with digital technology.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" padding_top=\"10\" padding_bottom=\"10\" bg_image=\"7841\"][vc_column][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"A CHINA POSTAL SAVINGS BANK BRANCH\" font_container=\"tag:h2|font_size:20px|text_align:left|color:%2337373a|line_height:26px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\"][vc_single_image image=\"11956\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\"][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"CHINESE BANKING CUSTOMERS USING FINTECH SERVICES\" font_container=\"tag:h2|font_size:20px|text_align:left|color:%2337373a|line_height:26px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\"][vc_single_image image=\"11957\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\"][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][kleo_gap size=\"20px\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]It’s important to note that the nature of fintech innovation in China has been local and context-specific, which has paid rich dividends in the form of massive user uptake – the rapid transformation of small ticket cash transactions to QR code in urban China being a prime example. The scale of digital transactions has only buttressed sustainable business models and a diversification of digital financial offerings. China has become a global leader in peer-to-peer lending accounting for 3% of retail lending versus just 0.7% in the US. According to a recent DBS study, 35% of Chinese customers use insure-tech versus just 2% in India.\r\n\r\nA recent E&amp;Y consumer study cited “more attractive rates and fees, better online experience and functionality, better quality of service and more innovative products” as top reasons why consumers were flocking to non-traditional banking &amp; finance services.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner content_placement=\"middle\" css=\".vc_custom_1518592917858{padding-top: 30px !important;padding-bottom: 30px !important;background-color: rgba(0,0,0,0.01) !important;*background-color: rgb(0,0,0) !important;}\"][vc_column_inner][vc_separator color=\"custom\" accent_color=\"#626262\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" padding_top=\"0\" padding_bottom=\"10\" bg_image=\"7841\"][vc_column][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"#3 FOCUS ON THE RIGHT ``HOOKS AND LADDERS``\" font_container=\"tag:h3|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:700%20bold%20regular%3A700%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]The economies of scale and scope attained by e-commerce and social networking platforms have provided thrust to the burgeoning digital finance ecosystem in China. Its $675 billion ecommerce sector touching close to a third of the population is impetus for widespread growth of digital payments as a natural concomitant, and has turned players like JD Finance and AliPay into financial supermarkets.\r\n\r\nTencent, on the other hand, has created consumer-oriented conversational commerce on top of a mobile-led social media platform, starting with mobile wallet payments and subsequently QR-code. Here it is critical to understand that WeChat and AliBaba users find enormous value in not having to leave these ecosystems to address their diverse financial needs. Being able to access a ‘one-stop-shop’ financial hub that provides a lower cost, engaging experience is what probably successfully changed end user behavior, especially from cash to digital payments, in a very short time.\r\n\r\nThese broader initial value propositions are often context specific. India has not restricted foreign Internet companies or fostered such domestic behemoths. It has perhaps prudently pursued a far more laissez-faire policy and also built public infrastructure that creates a far more even playing field for innovation. But its ‘digital payments first’ strategy needs to be rethought.\r\n\r\nFinding hooks that serve as more immediate sources of value be it access to affordable credit or streamlining new tax compliance requirements is required, as is creatively linking these to digital payments to drive more traction on the ground. Strategies need to be developed to enable Indian fin-techs to access these larger ecosystems through open developer platforms or strategic partnerships so that Indian users are best served through context appropriate products. This ‘demand side thinking’ needs to be instilled in supply side programs to digitize the nation.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"#4 MARKET CREATION AND EXPANSION IN SOURCES OF FUNDING\" font_container=\"tag:h3|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:700%20bold%20regular%3A700%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]Finally, the Indian fin-tech ecosystem needs the right signals and incentives for entrepreneurs to build the right products and – perhaps more importantly – for them to see light of day. In the absence of acquisition-hungry frontrunners, more established financial institutions – including ban ks, insurers, asset managers – should be encouraged to energize the innovation ecosystem at scale, although this is probably unlikely in today’s conservative environment, especially given stressed bank assets.\r\n\r\nThe Indian Government has done a good job in creating a base level of public good infrastructure – especially for authentication (Aadhaar), data governance (DigiLocker, Consent-based architecture), and payments (UPI, AEPS) – which is now collectively known as “India Stack”. India Stack probably ensures a more sustainable market development path by removing a ‘winner takes all’ scenario, but it does not necessarily address the need for rapid scaling to build deep value and change large system behavior. To do this, there may be room for more strategic government intervention in the form of supporting highly targeted, specialized incubation efforts and ‘middle-of-road’ venture funding (i.e., series A-C), which is currently broken in India today.[/vc_column_text][/vc_column_inner][/vc_row_inner][kleo_gap size=\"40px\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"10px\" padding_bottom=\"10px\"][vc_column width=\"1/2\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"5/12\"][/vc_column_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1504265268713{padding-left: 0px !important;}\"][vc_column_text letter_spacing=\"\"][addtoany][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1504265795099{padding-right: 0px !important;padding-left: 0px !important;}\"][kleo_button title=\"Print this page\" href=\"http://cashlesscatalyst.org/wp-content/uploads/2018/02/Chinese-digital-finance-ecosystem-doc.pdf\" target=\"_blank\" style=\"custom\" position=\"left\" size=\"lg\" special=\"no\" border=\"no\" icon=\"print\" font_size=\"16px\" letter_spacing=\"\" el_class=\"grey-icon\" custom_text=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row content_placement=\"middle\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"5\" padding_bottom=\"5\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"][starbox id=9][/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"footer_area\" disable_element=\"yes\" front_status=\"draft\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" column_gap=\"no\" padding_top=\"70px\" padding_bottom=\"50px\" margin_top=\"0px\" bg_image=\"9937\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1484826151396{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">CATALYST is an initiative seeded by an alliance between the Government of India &amp; USAID, to expand digital payments and financial inclusion in India, especially for small merchants and low-income consumers.</p>\r\n[/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]', 'A Tryst with the Chinese Digital Finance Ecosystem', 'In December, I had the privilege of spending 5 days in Shenzhen and Beijing to immerse myself in the stupendous Chinese digital financial inclusion story, and draw some insightful parallels with the Indian experience.', 'publish', 'open', 'open', '', 'a-tryst-with-the-chinese-digital-finance-ecosystem', '', '', '2018-03-21 06:51:56', '2018-03-21 06:51:56', '', 0, 'http://cashlesscatalyst.org/?p=12205', 24, 'post', '', 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
(12168, 1, '2018-02-21 07:26:22', '2018-02-21 07:26:22', '[vc_row content_placement=\"middle\" inner_container=\"no\" type=\"image\" bg_position_horizontal=\"center\" padding_top=\"96\" padding_bottom=\"96\" bg_image=\"12155\"][vc_column][vc_row_inner][vc_column_inner][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_repeat=\"repeat\" bg_attachment=\"true\" enable_parallax=\"false\" padding_bottom=\"0\" bg_image=\"10448\"][vc_column][vc_wp_custommenu nav_menu=\"63\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"30\"][vc_column][vc_custom_heading text=\"Use-Case Business Models\" 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_1547817098251{margin-left: -15px !important;padding-left: 0px !important;}\" el_class=\"tsubpage-title\"][vc_row_inner equal_height=\"yes\" gap=\"30\" el_class=\"lnContainer\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1544178772383{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=\"40211\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2019/01/consumers.pdf\" css=\".vc_custom_1548064214219{margin-bottom: 14px !important;padding-left: 0px !important;}\"][vc_custom_heading text=\"Consumers\r\n\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23161615|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=\"\" css=\".vc_custom_1547817818929{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2019%2F01%2Fconsumers.pdf||target:%20_blank|\"][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_1547469238208{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1541407673371{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=\"40213\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2019/01/Fixed-store.pdf\" css=\".vc_custom_1548064256175{margin-bottom: 14px !important;padding-left: 0px !important;}\"][vc_custom_heading text=\"Fixed Store\r\n\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23161615|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=\"\" css=\".vc_custom_1547817897872{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2019%2F01%2FFixed-store.pdf||target:%20_blank|\"][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_1547469238208{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1541408026593{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=\"40214\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2019/01/Roving-merchant.pdf\" css=\".vc_custom_1548064276574{margin-bottom: 14px !important;padding-left: 0px !important;}\"][vc_custom_heading text=\"Roving\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23161615|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=\"\" css=\".vc_custom_1547817993419{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2019%2F01%2FRoving.pdf||target:%20_blank|\"][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_1547469238208{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1546259314686{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=\"40215\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2019/01/supply-chain.pdf\" css=\".vc_custom_1548064296022{margin-bottom: 14px !important;padding-left: 0px !important;}\"][vc_custom_heading text=\"Supply Chain\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23161615|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=\"\" css=\".vc_custom_1547818093865{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2019%2F01%2Fsupply-chain.pdf||target:%20_blank|\"][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_1546410807878{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"30\"][vc_column][vc_custom_heading text=\"Playbook\" 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_1544941975604{margin-left: -15px !important;padding-left: 0px !important;}\" el_class=\"tsubpage-title\"][vc_row_inner equal_height=\"yes\" gap=\"30\" el_class=\"lnContainer\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1544178772383{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=\"39593\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2018/12/CC-playbook.pdf\" css=\".vc_custom_1544942127450{margin-bottom: 14px !important;padding-left: 0px !important;}\"][vc_custom_heading text=\"Reaching the last mile: Customer centricity for fintechs\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23161615|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=\"\" css=\".vc_custom_1544942320448{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2018%2F12%2FCC-playbook.pdf||target:%20_blank|\"][vc_custom_heading text=\"<strong>Authors: </strong>\r\nJayshree Venkatesan, Varinder Gambhir,\r\nSunanda Singhal and Myla Swallow\" 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_1544942223287{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"December, 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_1544178072680{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"30\"][vc_column][vc_custom_heading text=\"Studies\" 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=\"\" el_class=\"tsubpage-title\" css=\".vc_custom_1540574080475{margin-left: -15px !important;}\"][vc_row_inner equal_height=\"yes\" gap=\"30\" el_class=\"lnContainer\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1521590392480{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=\"39966\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2019/01/HBB-Report-14-Jan-2019.pdf\" css=\".vc_custom_1547533650379{margin-bottom: 14px !important;}\"][vc_custom_heading text=\"Decoding Home-Based Businesses :\r\nAn Analysis of Digital Payment Behaviors of Home-Based Business Owners in Jaipur\r\n\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23161615|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=\"\" css=\".vc_custom_1547560766141{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2019%2F01%2FHBB-Report-14-Jan-2019.pdf||target:%20_blank|\"][vc_custom_heading text=\"<strong>Principal Investigators : </strong>\r\nBadal Malick and Rajesh Shukla\" 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_1547466061490{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"<strong>Co-Investigators : </strong>\r\nPratibha Joshi and Megha Shree\" 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_1547466099608{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"<strong>Supporting Research Team : </strong>\r\nAnshuman Mehta, Ankur Gautam and Harsh Nisar\" 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_1547466172388{padding-right: 5% !important;padding-bottom: 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_1547466185494{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1538412153615{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=\"27417\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2018/10/catalyst_ethnography_report.pdf\" css=\".vc_custom_1538578800401{margin-bottom: 14px !important;}\"][vc_custom_heading text=\"Is Cash the King or do Digital Payment Solutions Lack Adequate Engagement of Potential Users?\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23161615|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=\"\" css=\".vc_custom_1538578812913{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2018%2F10%2Fcatalyst_ethnography_report.pdf||target:%20_blank|\"][vc_custom_heading text=\"<strong>Principal Investigators:</strong>\r\nShilpa Pandit\" 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_1538548167470{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"<strong>Researchers:</strong>\r\nPreethi Kannan, Ankur Gautam, Vedika Inamdar, Praveen\" 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_1538151959106{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"<strong>Technical Writer: </strong>\r\nDeepti Kc\" 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_1538584498785{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"September, 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_1538143685902{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1538151517318{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=\"27343\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2018/09/Bhatta-Basti-Report.pdf\" css=\".vc_custom_1538143384753{margin-bottom: 14px !important;}\"][vc_custom_heading text=\"Limitless Opportunities, Limiting Constraints: Livelihoods, Money Management Patterns, and Digital Readiness of\r\nLow-income Households in an Urban Slum Area\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23161615|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=\"\" css=\".vc_custom_1538551365924{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2018%2F09%2FBhatta-Basti-Report.pdf||target:%20_blank|\"][vc_custom_heading text=\"September, 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_1538143685902{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1527153512391{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=\"14385\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2018/07/Price-Report-Short-20-June-edited-min.pdf\" css=\".vc_custom_1532461737551{margin-bottom: 14px !important;}\"][vc_custom_heading text=\"Mapping the Merchant\'s Mind\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23161615|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=\"\" css=\".vc_custom_1538548045935{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2018%2F07%2FPrice-Report-Short-20-June-edited-min.pdf|||\"][vc_custom_heading text=\"<strong>Principal Investigators:</strong>\r\nBadal Malick and Rajesh Shukla\" 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_1538548187119{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"<strong>Co-investigators:</strong>\r\nMegha Shree and Vaisnavi Gnanasekaran\" 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_1538548198166{padding-right: 5% !important;padding-bottom: 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_1527153280067{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/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_1521590392480{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=\"12922\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2018/07/Building-Hooks-and-Ladders-Book.pdf\" css=\".vc_custom_1532461446263{margin-bottom: 14px !important;}\"][vc_custom_heading text=\"Building Hooks and Ladders:\r\nA Case for Integrating Digital Payments and Lending to Small Merchants\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23161615|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=\"\" css=\".vc_custom_1538548093287{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2018%2F07%2FBuilding-Hooks-and-Ladders-Book.pdf|||\"][vc_custom_heading text=\"<strong>Investigators:</strong>\r\nJohn Arun, Ankur Gautam, IFMR LEAD\" 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_1532461477104{padding-right: 5% !important;padding-bottom: 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\" letter_spacing=\"\" css=\".vc_custom_1523016048110{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1538412153615{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_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1538151517318{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_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1527153512391{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_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"30\"][vc_column][vc_custom_heading text=\"Technical reports\" 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_1540570135167{margin-left: -15px !important;padding-left: 0px !important;}\" el_class=\"tsubpage-title\"][vc_row_inner equal_height=\"yes\" gap=\"30\" el_class=\"lnContainer\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1544178772383{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=\"40115\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2019/01/BB-Tech-Report.pdf\" css=\".vc_custom_1547729660331{margin-bottom: 14px !important;padding-left: 0px !important;}\"][vc_custom_heading text=\"Digitizing Low-Income Clusters in An Urban Slum\r\n\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23161615|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=\"\" css=\".vc_custom_1547729771859{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2019%2F01%2FBB-Tech-Report.pdf||target:%20_blank|\"][vc_custom_heading text=\"<strong>Technical Writer: </strong>\r\nDeepti KC, Nithya Srinivasan and\r\nArbind Vishwakarma\" 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_1547729798458{padding-right: 5% !important;padding-bottom: 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_1547469238208{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1541407673371{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=\"40057\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2019/01/Technical-Report.pdf\" css=\".vc_custom_1547560112007{margin-bottom: 14px !important;padding-left: 0px !important;}\"][vc_custom_heading text=\"Digitising Payments for Government Services - The Case Emitras\r\n\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23161615|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=\"\" css=\".vc_custom_1547560122128{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2019%2F01%2FTechnical-Report.pdf||target:%20_blank|\"][vc_custom_heading text=\"<strong>Technical Writer: </strong>\r\nTunisha Kapoor, Preethi Rao\r\nand Ankur Gautam\" 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_1547560129502{padding-right: 5% !important;padding-bottom: 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_1547469238208{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1541408026593{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=\"40069\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2019/01/CH-Tech-Report.pdf\" css=\".vc_custom_1547560786275{margin-bottom: 14px !important;padding-left: 0px !important;}\"][vc_custom_heading text=\"Credit as a Hook : Building Digital Footprints for Credit Access\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23161615|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=\"\" css=\".vc_custom_1547560800715{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2019%2F01%2FCH-Tech-Report.pdf||target:%20_blank|\"][vc_custom_heading text=\"<strong>Technical Writer: </strong>\r\nShubhranka Mondal and John Victor Arun Kumar\" 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_1547469225403{padding-right: 5% !important;padding-bottom: 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_1547469238208{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1546259314686{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=\"40068\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2019/01/Dairy-Report.pdf\" css=\".vc_custom_1547560600505{margin-bottom: 14px !important;padding-left: 0px !important;}\"][vc_custom_heading text=\"Digitizing Payments\r\nin the Dairy Supply Chain\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23161615|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=\"\" css=\".vc_custom_1547560817896{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2019%2F01%2FDairy-Report.pdf||target:%20_blank|\"][vc_custom_heading text=\"<strong>Technical Writer: </strong>\r\nTunisha Kapoor, Preethi Rao and Ankur Gautam\" 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_1546408485546{padding-right: 5% !important;padding-bottom: 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_1546410807878{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/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_1547729948710{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=\"39852\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2018/12/Technical-Report.pdf\" css=\".vc_custom_1546259539215{margin-bottom: 14px !important;padding-left: 0px !important;}\"][vc_custom_heading text=\"Catalyst\'s Incubator Program\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23161615|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=\"\" css=\".vc_custom_1546259554759{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2018%2F12%2FTechnical-Report.pdf||target:%20_blank|\"][vc_custom_heading text=\"<strong>Technical Writer: </strong>\r\nGaurav Singhal, Kanika Joshi, Raghu Raman,\r\nJohn Victor Arun Kumar\" 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_1546259101151{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"December, 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_1544178072680{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1547560316425{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=\"39548\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2018/12/FMCG_Technical.pdf\" css=\".vc_custom_1544178610734{margin-bottom: 14px !important;padding-left: 0px !important;}\"][vc_custom_heading text=\"Driving uptake of digital payments down the supply chain\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23161615|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=\"\" css=\".vc_custom_1544178754079{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2018%2F12%2FFMCG_Technical.pdf||target:%20_blank|\"][vc_custom_heading text=\"<strong>Technical Writer: </strong>\r\nPreethi Rao and Gaurav Singhal\" 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_1544178412203{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"December, 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_1544178072680{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1547560242915{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=\"38883\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2018/11/technical-reports-v4.pdf\" css=\".vc_custom_1541401532113{margin-bottom: 14px !important;padding-left: 0px !important;}\"][vc_custom_heading text=\"Testing the Efficacy of Digital Payment Solutions for Subscription-based Distributor Collections: Learnings from a Pilot on Digitizing Newspaper Bill Payments\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23161615|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=\"\" css=\".vc_custom_1547530140813{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2018%2F11%2Ftechnical-reports-v4.pdf||target:%20_blank|\"][vc_custom_heading text=\"<strong>Technical Writer: </strong>\r\nPreethi Rao and Gaurav Singhal\" 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_1541401270934{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"November, 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_1541401413805{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1546259314686{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=\"36391\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2018/11/Small_Merchant_Report.pdf\" css=\".vc_custom_1541768777632{margin-bottom: 14px !important;padding-left: 0px !important;}\"][vc_custom_heading text=\"Accelerating Digital Payment Acceptance and Usage by Small Merchants: Testing the Usability of Digital Payments Solutions in a Market Cluster in Jaipur\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23161615|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=\"\" css=\".vc_custom_1541768823569{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2018%2F11%2FSmall_Merchant_Report.pdf||target:%20_blank|\"][vc_custom_heading text=\"<strong>Technical Writer: </strong>\r\nPreethi Rao and Sunanda Singhal\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" 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Ecosystem “Learning And Solving by Doing” Approach\" 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%2Fimplementing-innovation-ecosystem-learning-solving-approach%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1548743894265{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical Writers : Gaurav Singhal and Sharon Buteau\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" 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=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1547813554348{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_1547728753761{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1519195533112{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=\"40121\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2019/01/DFC-Learning-note.pdf\"][vc_custom_heading text=\"Using behavioral insights to improve digital financial capability (DFC) of customers\" 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%2Fwp-content%2Fuploads%2F2019%2F01%2FDFC-Learning-note.pdf|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1547734936845{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical Writers : Varinder Kaur Gambhir, Sunil Gurubhagwatla, Siddharth Dhankar, Nithya Srinivasan\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" 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=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1547744180750{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_1547728753761{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1519195448838{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=\"40108\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/markers-trust-recreating-digital-ecosystems-women-low-income-clusters/\"][vc_custom_heading text=\"Markers of Trust: Recreating Digital Ecosystems for Women in Low-Income Clusters\" 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%2Fmarkers-trust-recreating-digital-ecosystems-women-low-income-clusters%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1547728692611{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writers: Shilpa Pandit\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" 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=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1547728730882{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_1547728753761{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" gap=\"30\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1523434485038{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=\"40111\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2019/01/Learnin-by-doing-Learning-Note.pdf\"][vc_custom_heading text=\"Implementing Innovation Through An Ecosystem ``Learning and Solving by Doing`` Approach\" 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%2Fwp-content%2Fuploads%2F2019%2F01%2FLearnin-by-doing-Learning-Note.pdf|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1547729102121{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writers: Gaurav Singhal and Sharon Buteau\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" 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=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1547729123032{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_1547729136442{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1519195482884{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=\"40042\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/using-comic-books-increase-digital-financial-capabilities-low-income-clusters/\"][vc_custom_heading text=\"Using Comic Books to Increase Digital Financial Capabilities in Low-Income Clusters\" 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%2Fusing-comic-books-increase-digital-financial-capabilities-low-income-clusters%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1547616877305{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writers: Nithya Srinivasan\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" 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=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1547469646057{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"December, 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_1547469653452{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1523434422317{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=\"39803\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/strengthening-potential-digital-finance-women-bhatta-basti/\"][vc_custom_heading text=\"Strengthening the potential of digital finance for women in bhatta basti\" 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%2Fstrengthening-potential-digital-finance-women-bhatta-basti%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1545566539870{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writers: Deepti KC\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" 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=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1545895354180{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"December, 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_1545566609711{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1519195345948{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=\"39450\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/digital-lending-small-merchants-missing-road-last-mile/\"][vc_custom_heading text=\"Digital lending for small merchants: the missing road to the last mile\" 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-lending-small-merchants-missing-road-last-mile%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1542722764189{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writers: John Arun and Shubhranka Mondal\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" 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=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1542722803475{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"November, 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_1542723317626{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" gap=\"30\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1541408971675{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #dd3333 !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"38891\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/segmenting-low-income-cluster-digital-payment-solutions/\"][vc_custom_heading text=\"Segmenting low-income cluster for 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%2Fsegmenting-low-income-cluster-digital-payment-solutions%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1541403176185{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writer : Deepti Kc\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" 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=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1547744194418{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"October, 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_1541402650943{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1537956108157{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #dd3333 !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"26507\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/digitizing-dairy-b2b-supply-chain/\"][vc_custom_heading text=\"Digitizing Dairy B2B Supply Chain\" 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%2Fdigitizing-dairy-b2b-supply-chain%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1537956128919{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writers: Tunisha Kapoor and Preethi Rao\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" 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=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1537955384156{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"September, 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_1537523993141{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1537954927172{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #dd3333 !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"26362\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/leveragin-gst-for-digital-payments/\"][vc_custom_heading text=\"Leveraging GST for 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:https%3A%2F%2Fcashlesscatalyst.org%2Fleveragin-gst-for-digital-payments%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1537523945584{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writers: Mandar Kagade, Raghav Katyal, Janak Priyani, and Diksha Singh\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" 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=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1537523972346{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"September, 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_1537523993141{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1537524096448{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=\"23078\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/merchant-perspectives-bhim-experience/\"][vc_custom_heading text=\"Merchant perspectives on the BHIM experience\" 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%2Fmerchant-perspectives-bhim-experience%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1530709959894{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writers: Mandar Kagade, Janak Priyani, Diksha Singh and Raghav Katyal.\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" 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=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1530785894602{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_1530709001912{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" gap=\"30\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1547728319090{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #dd3333 !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"13249\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/a-small-business-go-to-guide-for-going-cashless\"][vc_custom_heading text=\"A Small Business Go-To Guide for Going Cashless\" 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%2Fa-small-business-go-to-guide-for-going-cashless|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1523434075142{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writers : Sapna Bharath and Gaurav Singhal\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" 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=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1531132318660{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"April, 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_1523434039462{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1537956108157{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #dd3333 !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"12146\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/women-in-ultra-poor-communities/\"][vc_custom_heading text=\"Women in ultra-poor communities &amp; their role in household financial decision making and digital participation\" 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%2Fwomen-in-ultra-poor-communities%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1519211203629{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writers: Maya Durvasula, Mridulya Narasimhan, NIdhi Punmia &amp; Vaisnavi Gnanasekaran\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" 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=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1519212224650{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"February, 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_1519205277484{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1537954927172{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #dd3333 !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"12152\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/how-digitally-ready-are-the-urban-ultra-poor/\"][vc_custom_heading text=\"How digitally ready are the urban ultra-poor?\" 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%2Fhow-digitally-ready-are-the-urban-ultra-poor%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1519196000899{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writers: Mridulya Narasimhan &amp; Nidhi Punmia\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" 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=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1519212249177{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"February, 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_1519205377288{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1537524096448{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=\"10808\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/catalyst-blog/catalysts-digital-payment-journey-jaipur-first-stop-barkat-nagar/\"][vc_custom_heading text=\"Catalyst\'s digital payment journey in jaipur first stop - Barkat Nagar\" 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%2Fcatalyst-blog%2Fcatalysts-digital-payment-journey-jaipur-first-stop-barkat-nagar%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1519195492063{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writer: Sapna Bharath\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" 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=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1519212273062{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"July, 2017\" 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_1519205296777{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" gap=\"30\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1547813901006{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #dd3333 !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"10470\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/catalyst-blog/decoding-jaipur-digital-payments-landscape/\"][vc_custom_heading text=\"Decoding Jaipur’s Digital Payments Landscape\" 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%2Fcatalyst-blog%2Fdecoding-jaipur-digital-payments-landscape%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1519195501591{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writer: Vinaina Suri\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" 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=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1519212423207{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"May, 2017\" 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_1519205312907{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1547813876671{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #dd3333 !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"12190\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/india-stack/\"][vc_custom_heading text=\"India Stack\" 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%2Findia-stack%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1519195545508{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writer: Catalyst &amp; Dalberg Social Advisors\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" 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=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1521211013662{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"January, 2017\" 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_1519211213311{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1547734543614{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #dd3333 !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"12149\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/alternative-lending/\"][vc_custom_heading text=\"Alternative Lending\" 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%2Falternative-lending%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1519195884538{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writer: Dalberg Social Advisors\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" 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=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1519212314365{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"January, 2017\" 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_1519205362026{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1537956108157{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #dd3333 !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"12148\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/digital-kirana/\"][vc_custom_heading text=\"Digital Kirana\" 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%2Fdigital-kirana%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1519195812190{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writer: Dalberg Social Advisors\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" 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=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1519212314365{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"January, 2017\" 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_1519205352303{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" 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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
(7900, 1, '2016-12-28 11:53:21', '2016-12-28 11:53:21', '[vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"110\" padding_bottom=\"0\" bg_image=\"10068\"][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=\"PILOT PROJECT\" font_container=\"tag:h2|font_size:28px|text_align:center|color:%23ffffff|line_height:34px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_custom_heading text=\"ASSISTED E-COMMERCE THROUGH\r\n“DIGITAL KIRANA”\" font_container=\"tag:h2|font_size:48px|text_align:center|color:%23ffffff|line_height:54px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"24px\" letter_spacing=\"\"]\r\n<p class=\"lh30\" style=\"text-align: center;\">The pilot project conducted by the Janalakshmi and Snapdeal teams generated extremely rich consumer insights which helped to cement learnings on ecommerce models for low income households</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"140px\"][kleo_gap size=\"50px\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" padding_bottom=\"0\"][vc_column width=\"1/2\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"5/12\"][/vc_column_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1488531456733{padding-right: 0px !important;}\"][vc_column_text letter_spacing=\"\"][addtoany][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1488531444909{padding-left: 0px !important;}\"][kleo_button title=\"Print this page\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/02/Digital-Kirana.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=\"color\" bg_color=\"#ffffff\"][vc_column][vc_row_inner][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"ABOUT THE PROJECT\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23000000|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]<strong>Period: </strong>September 2015 – Mar 2016\r\n<strong>Partners:</strong> Janalakshmi Financial Services (kirana store network) and Snapdeal (ecommerce service provider)[/vc_column_text][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]<strong>Objective:</strong> To use e-commerce as a hook to bring neighborhood ‘kirana’ stores in low-income communities onto a digital payment platform, to accelerate merchant acceptance and increase digital payment adoption amongst consumers in these communities.\r\n\r\n<strong>Project Overview:</strong> Neighborhood store owners (Janalakshmi agents) serve as order, payment and delivery agents for Snapdeal’s e-commerce services. Agents pre-pay for the e-commerce purchases digitally through their ‘Jana Cash’ (mobile) wallet, digitizing what would otherwise have been a cash-on-delivery payment, strengthening the local digital payments ecosystem.\r\n\r\nThrough this pilot, Janalakshmi selected seven to eight agents from its network and on-boarded them as Snapdeal agents. These agents were each given a tablet, with which they could order products from the Snapdeal product catalogue and also carry out business as Janalakshmi agents (mobile recharges, DTH recharges through the Jana wallet). The agents helped consumers browse and order Snapdeal products. They collected cash from consumers and prepaid for the products on Snapdeal’s website through the Jana wallet. Snapdeal delivered the products to the agent and consumers collected the product from the agent.\r\n\r\nAt the end of a predetermined cycle, Snapdeal paid Janalakshmi a commission for the transactions conducted by the agents. The commission amount was a percentage of the sales values. Janalakshmi then passed the commissions to the agent.\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"PROBLEM STATEMENT\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23000000|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]Only 6% of retail establishments in India currently accept electronic payments.\r\n\r\nThis lack of widespread merchant acceptance networks is a critical missing link in India’s digital financial inclusion journey. With a wider network of available merchants accepting digital payments, more users will become aware and potentially switch to digital payment options for various transactions.\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\" bg_image=\"10069\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"OVERVIEW OF\r\nTHE MODEL OF PLAYERS\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23ffffff|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_single_image image=\"10091\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_custom_heading text=\"KEY LEARNINGS\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23000000|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]<strong>User Experience</strong>\r\n\r\n<span class=\"pred\">Most agents did not find the opportunity cost of running the assisted e-commerce business very high. </span>\r\nThis was especially true of merchants who ran mobile repair shops or clothing shops, since these businesses did not see a constant traffic of consumers throughout the day. Also, despite the time-consuming nature of the transaction which could take up to half an hour per customer, merchants were willing participants. A variance in performance of merchants was observed which may be attributed to the inherent selling skills and agility of merchants. One merchant was far more successful, because he was able to tap into demand among the low-income migrants in his community despite their lower digital literacy and smart phone use.\r\n\r\n<span class=\"pred\">Making advance digital payments did not seem to be an area of concern for agents, especially as sales volumes were limited.</span>\r\nThe agents did not find paying digitally for products to be an issue. They generally kept a minimum balance in their account for mobile top-ups and other bill payments. They could also top up their account easily by calling the distributor. This is remarkable in the Indian e-commerce space, where 60-80 percent of orders tend to be cash on delivery (CoD).\r\n\r\n<span class=\"pred\">Even for first time ecommerce consumers, making advance payments for the product did not pose a significant challenge.</span>\r\nConsumers interviewed often knew and trusted the agent to complete the transaction on their behalf. In fact, in instances where the agent could not complete the transaction immediately (e.g., insufficient balance in the account, slow internet speed), consumers were comfortable leaving cash with the agent and trusting he would make the purchase at a later time.\r\n\r\n<span class=\"pred\">Merchants were comfortable with the stages of the e-commerce process. </span>\r\nNone had trouble with the ordering and payment process. The initial training imparted to them on using the tablet for placing orders and making payments was critical in adding to their comfort in carrying out the transaction.\r\n\r\n<span class=\"pred\">Overall, while the pilot demonstrated potential to improve agents’ comfort with digital payments, it may be too soon to draw inferences about the ability of the model to drive broader digital payment adoption.</span>\r\nThis is because e-commerce remained a small part of the agent’s overall revenue. Agents themselves seemed comfortable receiving cash from consumers as opposed to receiving payments digitally.[/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 ptext-justify\"]<strong>Model and Process</strong>\r\n\r\n<span class=\"pred\">Access to data/ connectivity:</span>\r\nThe assisted e-commerce model worked well in communities with limited smartphone access. The most successful agent in our sample was able to tap into a relatively lower-income migrant community (which had no access to smartphones) in his locality. However, this could also be due to agents’ selling prowess, for example, the most successful agents tended to be in “push businesses” such as gift or dress shops as opposed to the traditional grocery/kirana stores.\r\n\r\n<span class=\"pred\">Price sensitivity:</span>\r\nConsumers were attracted to the assisted ecommerce concept, but preferred to reach out to someone in their community to compare the offering to Snapdeal’s online portal and other websites. Upon finding that the discounts were no greater than what was already available online, consumer’s interest in the channel weakened. This underscores the importance for retailers to create a differentiated offering such as a curated product portfolio.\r\n\r\n<span class=\"pred\">Returns &amp; cancellations:</span>\r\nProblems with returns and cancellations were a key pain-point and affected merchant and consumer experience and likely uptake. During the pilot, we found that many of these consumers were first-time ecommerce users. For lower-income consumers, delayed refunds and returns can be financially burdensome. Customers who faced issues with product functioning were not keen to repeat the ecommerce experience, highlighting the important role of a seamless first experience in retaining customers.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner offset=\"vc_col-lg-2 vc_col-md-offset-0 vc_col-md-3 vc_col-sm-offset-1 vc_col-xs-12\"][kleo_gap size=\"30px\"][kleo_button title=\"Download full report\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/01/Digital-Kirana-Learning-Note-Dalberg-vs.pdf\" target=\"_blank\" position=\"left\" size=\"lg\" type=\"boxed-icon\" special=\"no\" icon=\"download\" font_size=\"14px\" letter_spacing=\"\" el_class=\"pkirbtn\" icon_custom_background=\"#d11e3c\" icon_custom_text=\"#ffffff\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"7886\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549455811724{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]', 'Digital Kirana', '', 'publish', 'closed', 'closed', '', 'digital-kirana', '', '', '2019-02-06 12:23:40', '2019-02-06 12:23:40', '', 0, 'http://cashlesscatalyst.org/?page_id=7900', 0, 'page', '', 0),
(40482, 23, '2019-02-06 12:23:40', '2019-02-06 12:23:40', '[vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"110\" padding_bottom=\"0\" bg_image=\"10068\"][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=\"PILOT PROJECT\" font_container=\"tag:h2|font_size:28px|text_align:center|color:%23ffffff|line_height:34px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_custom_heading text=\"ASSISTED E-COMMERCE THROUGH\r\n“DIGITAL KIRANA”\" font_container=\"tag:h2|font_size:48px|text_align:center|color:%23ffffff|line_height:54px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"24px\" letter_spacing=\"\"]\r\n<p class=\"lh30\" style=\"text-align: center;\">The pilot project conducted by the Janalakshmi and Snapdeal teams generated extremely rich consumer insights which helped to cement learnings on ecommerce models for low income households</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"140px\"][kleo_gap size=\"50px\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" padding_bottom=\"0\"][vc_column width=\"1/2\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"5/12\"][/vc_column_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1488531456733{padding-right: 0px !important;}\"][vc_column_text letter_spacing=\"\"][addtoany][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1488531444909{padding-left: 0px !important;}\"][kleo_button title=\"Print this page\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/02/Digital-Kirana.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=\"color\" bg_color=\"#ffffff\"][vc_column][vc_row_inner][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"ABOUT THE PROJECT\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23000000|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]<strong>Period: </strong>September 2015 – Mar 2016\r\n<strong>Partners:</strong> Janalakshmi Financial Services (kirana store network) and Snapdeal (ecommerce service provider)[/vc_column_text][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]<strong>Objective:</strong> To use e-commerce as a hook to bring neighborhood ‘kirana’ stores in low-income communities onto a digital payment platform, to accelerate merchant acceptance and increase digital payment adoption amongst consumers in these communities.\r\n\r\n<strong>Project Overview:</strong> Neighborhood store owners (Janalakshmi agents) serve as order, payment and delivery agents for Snapdeal’s e-commerce services. Agents pre-pay for the e-commerce purchases digitally through their ‘Jana Cash’ (mobile) wallet, digitizing what would otherwise have been a cash-on-delivery payment, strengthening the local digital payments ecosystem.\r\n\r\nThrough this pilot, Janalakshmi selected seven to eight agents from its network and on-boarded them as Snapdeal agents. These agents were each given a tablet, with which they could order products from the Snapdeal product catalogue and also carry out business as Janalakshmi agents (mobile recharges, DTH recharges through the Jana wallet). The agents helped consumers browse and order Snapdeal products. They collected cash from consumers and prepaid for the products on Snapdeal’s website through the Jana wallet. Snapdeal delivered the products to the agent and consumers collected the product from the agent.\r\n\r\nAt the end of a predetermined cycle, Snapdeal paid Janalakshmi a commission for the transactions conducted by the agents. The commission amount was a percentage of the sales values. Janalakshmi then passed the commissions to the agent.\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"PROBLEM STATEMENT\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23000000|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]Only 6% of retail establishments in India currently accept electronic payments.\r\n\r\nThis lack of widespread merchant acceptance networks is a critical missing link in India’s digital financial inclusion journey. With a wider network of available merchants accepting digital payments, more users will become aware and potentially switch to digital payment options for various transactions.\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\" bg_image=\"10069\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"OVERVIEW OF\r\nTHE MODEL OF PLAYERS\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23ffffff|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_single_image image=\"10091\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_custom_heading text=\"KEY LEARNINGS\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23000000|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]<strong>User Experience</strong>\r\n\r\n<span class=\"pred\">Most agents did not find the opportunity cost of running the assisted e-commerce business very high. </span>\r\nThis was especially true of merchants who ran mobile repair shops or clothing shops, since these businesses did not see a constant traffic of consumers throughout the day. Also, despite the time-consuming nature of the transaction which could take up to half an hour per customer, merchants were willing participants. A variance in performance of merchants was observed which may be attributed to the inherent selling skills and agility of merchants. One merchant was far more successful, because he was able to tap into demand among the low-income migrants in his community despite their lower digital literacy and smart phone use.\r\n\r\n<span class=\"pred\">Making advance digital payments did not seem to be an area of concern for agents, especially as sales volumes were limited.</span>\r\nThe agents did not find paying digitally for products to be an issue. They generally kept a minimum balance in their account for mobile top-ups and other bill payments. They could also top up their account easily by calling the distributor. This is remarkable in the Indian e-commerce space, where 60-80 percent of orders tend to be cash on delivery (CoD).\r\n\r\n<span class=\"pred\">Even for first time ecommerce consumers, making advance payments for the product did not pose a significant challenge.</span>\r\nConsumers interviewed often knew and trusted the agent to complete the transaction on their behalf. In fact, in instances where the agent could not complete the transaction immediately (e.g., insufficient balance in the account, slow internet speed), consumers were comfortable leaving cash with the agent and trusting he would make the purchase at a later time.\r\n\r\n<span class=\"pred\">Merchants were comfortable with the stages of the e-commerce process. </span>\r\nNone had trouble with the ordering and payment process. The initial training imparted to them on using the tablet for placing orders and making payments was critical in adding to their comfort in carrying out the transaction.\r\n\r\n<span class=\"pred\">Overall, while the pilot demonstrated potential to improve agents’ comfort with digital payments, it may be too soon to draw inferences about the ability of the model to drive broader digital payment adoption.</span>\r\nThis is because e-commerce remained a small part of the agent’s overall revenue. Agents themselves seemed comfortable receiving cash from consumers as opposed to receiving payments digitally.[/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 ptext-justify\"]<strong>Model and Process</strong>\r\n\r\n<span class=\"pred\">Access to data/ connectivity:</span>\r\nThe assisted e-commerce model worked well in communities with limited smartphone access. The most successful agent in our sample was able to tap into a relatively lower-income migrant community (which had no access to smartphones) in his locality. However, this could also be due to agents’ selling prowess, for example, the most successful agents tended to be in “push businesses” such as gift or dress shops as opposed to the traditional grocery/kirana stores.\r\n\r\n<span class=\"pred\">Price sensitivity:</span>\r\nConsumers were attracted to the assisted ecommerce concept, but preferred to reach out to someone in their community to compare the offering to Snapdeal’s online portal and other websites. Upon finding that the discounts were no greater than what was already available online, consumer’s interest in the channel weakened. This underscores the importance for retailers to create a differentiated offering such as a curated product portfolio.\r\n\r\n<span class=\"pred\">Returns &amp; cancellations:</span>\r\nProblems with returns and cancellations were a key pain-point and affected merchant and consumer experience and likely uptake. During the pilot, we found that many of these consumers were first-time ecommerce users. For lower-income consumers, delayed refunds and returns can be financially burdensome. Customers who faced issues with product functioning were not keen to repeat the ecommerce experience, highlighting the important role of a seamless first experience in retaining customers.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner offset=\"vc_col-lg-2 vc_col-md-offset-0 vc_col-md-3 vc_col-sm-offset-1 vc_col-xs-12\"][kleo_gap size=\"30px\"][kleo_button title=\"Download full report\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/01/Digital-Kirana-Learning-Note-Dalberg-vs.pdf\" target=\"_blank\" position=\"left\" size=\"lg\" type=\"boxed-icon\" special=\"no\" icon=\"download\" font_size=\"14px\" letter_spacing=\"\" el_class=\"pkirbtn\" icon_custom_background=\"#d11e3c\" icon_custom_text=\"#ffffff\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"7886\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549455811724{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]', 'Digital Kirana', '', 'inherit', 'closed', 'closed', '', '7900-revision-v1', '', '', '2019-02-06 12:23:40', '2019-02-06 12:23:40', '', 7900, 'https://cashlesscatalyst.org/media/7900-revision-v1/', 0, 'revision', '', 0),
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(7937, 1, '2016-12-29 07:16:43', '2016-12-29 07:16:43', '[vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"110\" padding_bottom=\"0\" bg_image=\"10064\"][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=\"PILOT PROJECT\" font_container=\"tag:h2|font_size:28px|text_align:center|color:%23ffffff|line_height:34px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_custom_heading text=\"ALTERNATIVE LENDING PROJECT\" font_container=\"tag:h2|font_size:48px|text_align:center|color:%23ffffff|line_height:54px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"24px\" letter_spacing=\"\"]\r\n<p class=\"lh30\" style=\"text-align: center;\">Using transaction data trails from digital payments, the project tested if digital remittance data can be used to appraise credit-worthiness of financially excluded small business owners and provide them loans of small ticket size over shorter durations</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"140px\"][kleo_gap size=\"50px\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" padding_bottom=\"0\"][vc_column width=\"1/2\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"5/12\"][/vc_column_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1488531456733{padding-right: 0px !important;}\"][vc_column_text letter_spacing=\"\"][addtoany][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1488531444909{padding-left: 0px !important;}\"][kleo_button title=\"Print this page\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/02/Alternative-Lending.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=\"color\" bg_color=\"#ffffff\"][vc_column][vc_row_inner][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"ABOUT THE PROJECT\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23383b3b|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]<strong>Period: </strong>September 2015 - March 2016\r\n<strong>Partners:</strong> YES BANK (data provider) and Lendingkart (lender)[/vc_column_text][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]<strong>Objective:</strong> To test if digital remittance data are a viable source for credit appraisal and loan provision to financially underserved small businesses and entrepreneurs\r\n\r\n<strong>Project overview:</strong> Yes Bank runs a remittance service business called Yes Money, which commissions a network of agents called Yes Money Agents. These agents require working capital to maintain sufficient balance in their Yes Bank wallets, which are used to complete remittance transactions for their customers. As part of this project, Yes Bank shared its agents’ remittance data with Lendingkart, who, in turn, analyzed these data to assess agents’ credit worthiness, and offered them working capital loans.\r\n\r\nIn this pilot, Yes Bank shared a six-month remittance data history for 639 of its remittance agents (carrying out remittance transactions of a minimum total value of INR 5 lakh per month) with Lendingkart. Specific data points included frequency of deposits made, amount transferred and number of transactions completed.\r\n\r\nLendingkart used the remittance data to assess the credit worthiness of the agents, and reached out to the identified agents to enquire about their credit need. Agents who expressed interest, and met the predefined criteria, were offered working capital loans (of tenure as short as three months) and of ticket sizes as low as INR 25,000, based on their business turnover and financial discipline. Lendingkart disbursed a total of seven loans over the course of this project.\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"PROBLEM STATEMENT\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23383b3b|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]Vijay, a Mumbai-based small business owner, operates a remittance business as a Yes Money agent, and carries out remittance transactions of ~INR 1.5 lakh (US$2,000) on average per week. This accounts for nearly 10 percent of his total income. With the trust he enjoys from his community, Vijay believes he can transact about double of his current volumes. However, at the end of every month, he finds himself strapped -- with a low balance on his Yes Money wallet and limited means to access working capital from external sources.\r\n\r\nVijay seeks a small business loan of INR 25,000 (~ US$375) to maintain a higher wallet balance so that he can increase the number of remittance-based transactions that he currently carries out. He expects to pay this back in three or four months, but he faces two key challenges in accessing formal credit -\r\n<ul class=\"pclist-red\">\r\n 	<li>His inability to meet banks’ standardized lending criteria (e.g., robust credit history, collateral, etc.); and</li>\r\n 	<li>A mismatch between his credit need, and terms offered by traditional financial institutions (e.g., small amounts of credit over varying durations of time that he needs, as opposed to bigger ticket sized loans with a long repayment period that banks typically offer).</li>\r\n</ul>\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\" bg_image=\"10066\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"ROLE OF STAKEHOLDERS IN THE ALTERNATIVE LENDING PILOT\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23ffffff|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_single_image image=\"7944\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1484055459261{margin-top: 40px !important;margin-bottom: 40px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\" padding_bottom=\"0\"][vc_column][vc_custom_heading text=\"DETAILS OF LOANS DISBURSED\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23373a3a|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_row_inner equal_height=\"yes\"][vc_column_inner][vc_single_image image=\"8865\" img_size=\"full\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_custom_heading text=\"KEY LEARNINGS\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23373a3a|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]<strong>User Experience</strong>\r\n<span class=\"pred\">The remittance data-based lending model helped meet a significant unmet need for credit.</span> Traditional lenders usually do not cater to small ticket, short tenure loans. With its specialized working capital offering (low ticket size loans for three to nine months), Lendingkart was able to meet this need. For example, six out of seven merchants took loans in the range of INR 25,000 to INR 60,000 (while one agent received INR 700,000).\r\n\r\n<span class=\"pred\">Remittance data helped Lendingkart reach out to a different segment of merchants</span> such as small and medium offline merchants with lower annual revenues (INR 1,000,000 to 1,200,000 per annum). Lendingkart traditionally provides working capital and short-term business loans in the range of INR 50,000 to INR 10 million to online and large offline merchants with annual turnovers of INR 1,800,000 to 2,400,000. It significantly altered its product to suit the needs of this new customer segment and provided loans of much smaller ticket sizes.\r\n\r\n<span class=\"pred\">Remittance data were helpful in identifying a new potential set of borrowers.</span> However, these data alone were not sufficient to make a lending decision. This is because income from remittance-based transactions is not an accurate indicator of the agents’ total income. Supplemental data – such as bank statements – facilitated the loan underwriting process, enabling the actual lending decision as they more accurately reflect borrowers’ financial discipline and capability to pay back the loan.[/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 ptext-justify\"]<span class=\"pred\">The Lendingkart loan took a fraction of the time for processing and required far less documentation</span> than loans from traditional lenders. Loans offered by Lendingkart took under seven days to process. No collaterals or other paperwork in the form of house ownership documents, business ownership documents, insurance policies, etc., were needed to approve the loan. On the net promoter score scale of 0 to 10, the agents gave Lendingkart an average of about 8.56.\r\n\r\n<span class=\"pred\">Agents recognized that they were getting the loan based on their transaction data, but they were not able to establish a relationship between digital payments and their ability to access the loan.</span> Agents were unable to recognize the role played by digital payments in creating their transaction data trails, which formed the basis for the loans from Lendingkart. Proactive communication will be required to emphasize this link to drive greater adoption of digital payments by these agents (including accepting digital payments for C2B transactions).[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][kleo_gap size=\"30px\"][kleo_button title=\"Download full report\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/01/usaid-alternative-lending-case-study.pdf\" target=\"_blank\" position=\"left\" size=\"lg\" type=\"boxed-icon\" special=\"no\" icon=\"download\" font_size=\"14px\" letter_spacing=\"\" el_class=\"pkirbtn\" icon_custom_background=\"#d11e3c\" icon_custom_text=\"#ffffff\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"7886\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549455177934{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]', 'Alternative Lending', '', 'publish', 'closed', 'closed', '', 'alternative-lending', '', '', '2019-02-06 12:13:03', '2019-02-06 12:13:03', '', 0, 'http://cashlesscatalyst.org/?page_id=7937', 0, 'page', '', 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
(40474, 23, '2019-02-06 12:13:03', '2019-02-06 12:13:03', '[vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"110\" padding_bottom=\"0\" bg_image=\"10064\"][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=\"PILOT PROJECT\" font_container=\"tag:h2|font_size:28px|text_align:center|color:%23ffffff|line_height:34px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_custom_heading text=\"ALTERNATIVE LENDING PROJECT\" font_container=\"tag:h2|font_size:48px|text_align:center|color:%23ffffff|line_height:54px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"24px\" letter_spacing=\"\"]\r\n<p class=\"lh30\" style=\"text-align: center;\">Using transaction data trails from digital payments, the project tested if digital remittance data can be used to appraise credit-worthiness of financially excluded small business owners and provide them loans of small ticket size over shorter durations</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"140px\"][kleo_gap size=\"50px\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" padding_bottom=\"0\"][vc_column width=\"1/2\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"5/12\"][/vc_column_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1488531456733{padding-right: 0px !important;}\"][vc_column_text letter_spacing=\"\"][addtoany][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1488531444909{padding-left: 0px !important;}\"][kleo_button title=\"Print this page\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/02/Alternative-Lending.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=\"color\" bg_color=\"#ffffff\"][vc_column][vc_row_inner][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"ABOUT THE PROJECT\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23383b3b|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]<strong>Period: </strong>September 2015 - March 2016\r\n<strong>Partners:</strong> YES BANK (data provider) and Lendingkart (lender)[/vc_column_text][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]<strong>Objective:</strong> To test if digital remittance data are a viable source for credit appraisal and loan provision to financially underserved small businesses and entrepreneurs\r\n\r\n<strong>Project overview:</strong> Yes Bank runs a remittance service business called Yes Money, which commissions a network of agents called Yes Money Agents. These agents require working capital to maintain sufficient balance in their Yes Bank wallets, which are used to complete remittance transactions for their customers. As part of this project, Yes Bank shared its agents’ remittance data with Lendingkart, who, in turn, analyzed these data to assess agents’ credit worthiness, and offered them working capital loans.\r\n\r\nIn this pilot, Yes Bank shared a six-month remittance data history for 639 of its remittance agents (carrying out remittance transactions of a minimum total value of INR 5 lakh per month) with Lendingkart. Specific data points included frequency of deposits made, amount transferred and number of transactions completed.\r\n\r\nLendingkart used the remittance data to assess the credit worthiness of the agents, and reached out to the identified agents to enquire about their credit need. Agents who expressed interest, and met the predefined criteria, were offered working capital loans (of tenure as short as three months) and of ticket sizes as low as INR 25,000, based on their business turnover and financial discipline. Lendingkart disbursed a total of seven loans over the course of this project.\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"PROBLEM STATEMENT\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23383b3b|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]Vijay, a Mumbai-based small business owner, operates a remittance business as a Yes Money agent, and carries out remittance transactions of ~INR 1.5 lakh (US$2,000) on average per week. This accounts for nearly 10 percent of his total income. With the trust he enjoys from his community, Vijay believes he can transact about double of his current volumes. However, at the end of every month, he finds himself strapped -- with a low balance on his Yes Money wallet and limited means to access working capital from external sources.\r\n\r\nVijay seeks a small business loan of INR 25,000 (~ US$375) to maintain a higher wallet balance so that he can increase the number of remittance-based transactions that he currently carries out. He expects to pay this back in three or four months, but he faces two key challenges in accessing formal credit -\r\n<ul class=\"pclist-red\">\r\n 	<li>His inability to meet banks’ standardized lending criteria (e.g., robust credit history, collateral, etc.); and</li>\r\n 	<li>A mismatch between his credit need, and terms offered by traditional financial institutions (e.g., small amounts of credit over varying durations of time that he needs, as opposed to bigger ticket sized loans with a long repayment period that banks typically offer).</li>\r\n</ul>\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\" bg_image=\"10066\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"ROLE OF STAKEHOLDERS IN THE ALTERNATIVE LENDING PILOT\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23ffffff|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_single_image image=\"7944\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1484055459261{margin-top: 40px !important;margin-bottom: 40px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\" padding_bottom=\"0\"][vc_column][vc_custom_heading text=\"DETAILS OF LOANS DISBURSED\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23373a3a|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_row_inner equal_height=\"yes\"][vc_column_inner][vc_single_image image=\"8865\" img_size=\"full\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_custom_heading text=\"KEY LEARNINGS\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23373a3a|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]<strong>User Experience</strong>\r\n<span class=\"pred\">The remittance data-based lending model helped meet a significant unmet need for credit.</span> Traditional lenders usually do not cater to small ticket, short tenure loans. With its specialized working capital offering (low ticket size loans for three to nine months), Lendingkart was able to meet this need. For example, six out of seven merchants took loans in the range of INR 25,000 to INR 60,000 (while one agent received INR 700,000).\r\n\r\n<span class=\"pred\">Remittance data helped Lendingkart reach out to a different segment of merchants</span> such as small and medium offline merchants with lower annual revenues (INR 1,000,000 to 1,200,000 per annum). Lendingkart traditionally provides working capital and short-term business loans in the range of INR 50,000 to INR 10 million to online and large offline merchants with annual turnovers of INR 1,800,000 to 2,400,000. It significantly altered its product to suit the needs of this new customer segment and provided loans of much smaller ticket sizes.\r\n\r\n<span class=\"pred\">Remittance data were helpful in identifying a new potential set of borrowers.</span> However, these data alone were not sufficient to make a lending decision. This is because income from remittance-based transactions is not an accurate indicator of the agents’ total income. Supplemental data – such as bank statements – facilitated the loan underwriting process, enabling the actual lending decision as they more accurately reflect borrowers’ financial discipline and capability to pay back the loan.[/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 ptext-justify\"]<span class=\"pred\">The Lendingkart loan took a fraction of the time for processing and required far less documentation</span> than loans from traditional lenders. Loans offered by Lendingkart took under seven days to process. No collaterals or other paperwork in the form of house ownership documents, business ownership documents, insurance policies, etc., were needed to approve the loan. On the net promoter score scale of 0 to 10, the agents gave Lendingkart an average of about 8.56.\r\n\r\n<span class=\"pred\">Agents recognized that they were getting the loan based on their transaction data, but they were not able to establish a relationship between digital payments and their ability to access the loan.</span> Agents were unable to recognize the role played by digital payments in creating their transaction data trails, which formed the basis for the loans from Lendingkart. Proactive communication will be required to emphasize this link to drive greater adoption of digital payments by these agents (including accepting digital payments for C2B transactions).[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][kleo_gap size=\"30px\"][kleo_button title=\"Download full report\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/01/usaid-alternative-lending-case-study.pdf\" target=\"_blank\" position=\"left\" size=\"lg\" type=\"boxed-icon\" special=\"no\" icon=\"download\" font_size=\"14px\" letter_spacing=\"\" el_class=\"pkirbtn\" icon_custom_background=\"#d11e3c\" icon_custom_text=\"#ffffff\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"7886\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549455177934{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]', 'Alternative Lending', '', 'inherit', 'closed', 'closed', '', '7937-revision-v1', '', '', '2019-02-06 12:13:03', '2019-02-06 12:13:03', '', 7937, 'https://cashlesscatalyst.org/media/7937-revision-v1/', 0, 'revision', '', 0),
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(7945, 1, '2016-12-29 08:21:42', '2016-12-29 08:21:42', '', 'role-of-stake-holders-banner', '', 'inherit', 'open', 'closed', '', 'role-of-stake-holders-banner', '', '', '2016-12-29 08:21:42', '2016-12-29 08:21:42', '', 7937, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/role-of-stake-holders-banner.jpg', 0, 'attachment', 'image/jpeg', 0),
(7950, 1, '2016-12-29 09:31:46', '2016-12-29 09:31:46', '[[\"\",\"<span class=\\\"pred\\\">Skylark solutions(Delhi)<\\/span>\",\"<span class=\\\"pred\\\">Square media solution (Mumbai)<\\/span>\",\"<span class=\\\"pred\\\">Vishwakarma promoters and realtors (Pune)<\\/span>\",\"<span class=\\\"pred\\\">Royale enterprises (Mumbai)<\\/span>\",\"<span class=\\\"pred\\\">Appu cyber enterprises (Bangalore)<\\/span>\",\"<span class=\\\"pred\\\">Precious enterprises Mumbai)<\\/span>\",\"<span class=\\\"pred\\\">Sri Samurth Krupa (Mumbai)<\\/span>\"],[\"<span class=\\\"pred\\\">Ticket size<\\/span>(INR)\",\"50,000\",\"60,000\",\"50,000\",\"25,000\",\"50,000\",\"70,000\",\"25,000\"],[\"<span class=\\\"pred\\\">Ticket size<\\/span>(USD)\",\"750\",\"890\",\"750\",\"375\",\"750\",\"10,500\",\"375\"],[\"<span class=\\\"pred\\\">Interest (monthly)<\\/span>\",\"2%\",\"2.5%\",\"2.1%\",\"2.4%\",\"2.1%\",\"1.5%\",\"2.1%\"],[\"<span class=\\\"pred\\\">Duration (months)<\\/span>\",\"3\",\"3\",\"3\",\"3\",\"3\",\"9\",\"3\"],[\"<span class=\\\"pred\\\">Repayment terms<\\/span>\",\"Monthly\",\"Bi-weekly\",\"Monthly\",\"Monthly\",\"Bi-weekly\",\"Monthly\",\"Bi-weekly\"]]', 'Details of Loans Disbured', '', 'publish', 'closed', 'closed', '', 'details-of-loans-disbured', '', '', '2016-12-29 09:48:31', '2016-12-29 09:48:31', '', 0, 'http://cashlesscatalyst.org/?post_type=tablepress_table&#038;p=7950', 0, 'tablepress_table', 'application/json', 0),
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(7959, 1, '2016-12-29 10:45:47', '2016-12-29 10:45:47', '', 'partners-img1', '', 'inherit', 'open', 'closed', '', 'partners-img1', '', '', '2016-12-29 10:45:47', '2016-12-29 10:45:47', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/partners-img1.jpg', 0, 'attachment', 'image/jpeg', 0),
(7960, 1, '2016-12-29 10:53:17', '2016-12-29 10:53:17', '[vc_row type=\"image\" padding_top=\"60\" padding_bottom=\"60\" bg_image=\"7841\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner width=\"1/2\"][vc_single_image image=\"10101\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-visible\" css_animation=\"el-fade\"][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#555555\" font_size=\"18px\" letter_spacing=\"\" el_class=\"plh28 ptext-align-justify\"]\r\n\r\nCatalyst has launched <strong>Catalyst FINposiums</strong>, a series of invite-only half-a-day events, aimed at creating meaningful conversations between policymakers, fintech companies, and knowledge partners to address current issues. These discussions will be grounded in learnings from Catalyst’s Digital Payment Labs and its attempts to democratize digital payments &amp; finance for small merchants and low-to-mid income populations. They will serve as a forum to obtain key stakeholder inputs and germinate new solutions based on real, experienced challenges in last mile ecosystem digitization whether related to policy &amp; regulatory, business models or product relevance.\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" inner_container=\"no\" padding_top=\"0\" padding_bottom=\"0\"][vc_column][vc_column_text letter_spacing=\"\"][accordion_slider id=\"7\"]\r\n\r\n[/vc_column_text][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"7886\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549455023573{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]', 'Catalyst FINposiums', '', 'publish', 'closed', 'closed', '', 'catalyst-finposiums', '', '', '2019-02-06 12:10:30', '2019-02-06 12:10:30', '', 0, 'http://cashlesscatalyst.org/?page_id=7960', 0, 'page', '', 0),
(40473, 23, '2019-02-06 12:10:30', '2019-02-06 12:10:30', '[vc_row type=\"image\" padding_top=\"60\" padding_bottom=\"60\" bg_image=\"7841\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner width=\"1/2\"][vc_single_image image=\"10101\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-visible\" css_animation=\"el-fade\"][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#555555\" font_size=\"18px\" letter_spacing=\"\" el_class=\"plh28 ptext-align-justify\"]\r\n\r\nCatalyst has launched <strong>Catalyst FINposiums</strong>, a series of invite-only half-a-day events, aimed at creating meaningful conversations between policymakers, fintech companies, and knowledge partners to address current issues. These discussions will be grounded in learnings from Catalyst’s Digital Payment Labs and its attempts to democratize digital payments &amp; finance for small merchants and low-to-mid income populations. They will serve as a forum to obtain key stakeholder inputs and germinate new solutions based on real, experienced challenges in last mile ecosystem digitization whether related to policy &amp; regulatory, business models or product relevance.\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" inner_container=\"no\" padding_top=\"0\" padding_bottom=\"0\"][vc_column][vc_column_text letter_spacing=\"\"][accordion_slider id=\"7\"]\r\n\r\n[/vc_column_text][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"7886\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549455023573{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]', 'Catalyst FINposiums', '', 'inherit', 'closed', 'closed', '', '7960-revision-v1', '', '', '2019-02-06 12:10:30', '2019-02-06 12:10:30', '', 7960, 'https://cashlesscatalyst.org/media/7960-revision-v1/', 0, 'revision', '', 0),
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(7962, 1, '2016-12-29 10:48:32', '2016-12-29 10:48:32', '', 'partners-img6', '', 'inherit', 'open', 'closed', '', 'partners-img6', '', '', '2016-12-29 10:48:32', '2016-12-29 10:48:32', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/partners-img6.jpg', 0, 'attachment', 'image/jpeg', 0),
(7963, 1, '2016-12-29 10:48:47', '2016-12-29 10:48:47', '', 'partners-img3', '', 'inherit', 'open', 'closed', '', 'partners-img3', '', '', '2016-12-29 10:48:47', '2016-12-29 10:48:47', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/partners-img3.jpg', 0, 'attachment', 'image/jpeg', 0),
(7964, 1, '2016-12-29 10:49:01', '2016-12-29 10:49:01', '', 'partners-img4', '', 'inherit', 'open', 'closed', '', 'partners-img4', '', '', '2016-12-29 10:49:01', '2016-12-29 10:49:01', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/partners-img4.jpg', 0, 'attachment', 'image/jpeg', 0),
(7965, 1, '2016-12-29 10:49:17', '2016-12-29 10:49:17', '', 'partners-img5', '', 'inherit', 'open', 'closed', '', 'partners-img5', '', '', '2016-12-29 10:49:17', '2016-12-29 10:49:17', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2016/12/partners-img5.jpg', 0, 'attachment', 'image/jpeg', 0),
(7969, 1, '2016-12-29 12:59:37', '2016-12-29 12:59:37', '[vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"image\" bg_gradient=\"yes\" bg_position=\"center\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"65\" padding_bottom=\"65\" bg_image=\"10502\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner width=\"1/6\"][vc_single_image image=\"10108\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-visible\" css_animation=\"el-fade\"][/vc_column_inner][vc_column_inner width=\"5/6\"][vc_custom_heading text=\"Catalyst FINposium 4\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23ffffff|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494245845442{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]<strong>Event:</strong> Workshop on Innovation Partnerships with Financial Institutions\r\n<strong>Date:</strong> November 15<sup>th</sup>, 2016\r\n<strong>Location:</strong> Mumbai\r\n<strong>Attendance:</strong> 28 participants representing 24 organizations[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"OBJECTIVES\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23383b3b|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485501813246{margin-top: 30px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<ul class=\"pclist-red\">\r\n 	<li>Introduce Catalyst’s plan &amp; team to the core partner base,</li>\r\n 	<li>Validate the “ecosystem” approach that defines Catalyst’s strategy and plan, and</li>\r\n 	<li>Engage Mumbai based stakeholders including banks, payment infrastructure players, fin-tech companies, telcos, banking correspondents, VCs and consumer brands on ecosystem-based innovation partnerships for roll out in Catalyst’s Digital Payment Labs.</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\" padding_top=\"0\"][vc_column][vc_custom_heading text=\"KEY OUTCOMES\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23373a3a|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]<strong>Innovation Partnerships: </strong>\r\n\r\nPartners combined forces to flesh out two or three interesting partnership ideas, including linking wage digitization with payment use cases, combining a cash management network and digital credit facility to digitize a brand supply chain, and QR code technologies to enable mass transit payments and other retail categories (e.g., Pharmacies).[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]<strong>Approach Validation:</strong>\r\n\r\nA panel discussion on the \"relevance of an ecosystem approach\" elicited broad support for Catalyst\'s ecosystem approach as a means to solve coordination based market failures and exploit network effects across consumers, merchants and suppliers to accelerate digital payments adoption and use. Interoperability (of both payments and data) as a priority theme was endorsed, as was the need for demand creation mechanisms such as financial literacy campaigns and some assisted onboarding, especially since the cost of cash is not internalized by small merchants. The other key areas discussed were the need to liberalize merchant acquiring, business models that drive merchant trials, controlled experiments for evidence based policy design (e.g., single factor authentication for low ticket transactions, eKYC norms), and the critical role of monetary (especially tax breaks) and non-monetary incentives to change behavior.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_custom_heading text=\"RESOURCES\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23d11e3c|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488186395373{margin-top: 30px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<ul class=\"pclist-red\">\r\n 	<li><a href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/02/mumbai-agenda.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Agenda</a></li>\r\n 	<li><a href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/02/Catalyst_Plan_Presentation_18_nov_mumbai.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Presentation: Introduction to Catalyst, Approach and Way Forward, by Badal Malick (CEO, Catalyst) </a></li>\r\n 	<li><a href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/02/Mumbai-Concept-note-for-theme-1-break-out-session-Engaging-Consumers-to-use-digital.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Concept Note 1 (Engaging Consumers to use Digital)</a></li>\r\n 	<li><a href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/02/Mumbai-Concept-note-for-theme-2-breakout-session-Powering-Merchant-Acceptance.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Concept Note 2 (Powering Merchant Acceptance)</a></li>\r\n 	<li><a href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/02/Mumbai-Concept-note-for-theme-3-breakout-session-Digitising-Merchant-Supply-Chains.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Concept Note 3 (Digitizing Merchant Supply Chains)</a></li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"7886\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549454869122{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">[footer_copy]</p>\r\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\r\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'Partner Convening 4', '', 'publish', 'closed', 'closed', '', 'partner-convening-4', '', '', '2019-02-06 12:07:57', '2019-02-06 12:07:57', '', 0, 'http://cashlesscatalyst.org/?page_id=7969', 0, 'page', '', 0),
(40472, 23, '2019-02-06 12:07:57', '2019-02-06 12:07:57', '[vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"image\" bg_gradient=\"yes\" bg_position=\"center\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"65\" padding_bottom=\"65\" bg_image=\"10502\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner width=\"1/6\"][vc_single_image image=\"10108\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-visible\" css_animation=\"el-fade\"][/vc_column_inner][vc_column_inner width=\"5/6\"][vc_custom_heading text=\"Catalyst FINposium 4\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23ffffff|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494245845442{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]<strong>Event:</strong> Workshop on Innovation Partnerships with Financial Institutions\r\n<strong>Date:</strong> November 15<sup>th</sup>, 2016\r\n<strong>Location:</strong> Mumbai\r\n<strong>Attendance:</strong> 28 participants representing 24 organizations[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"OBJECTIVES\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23383b3b|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485501813246{margin-top: 30px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<ul class=\"pclist-red\">\r\n 	<li>Introduce Catalyst’s plan &amp; team to the core partner base,</li>\r\n 	<li>Validate the “ecosystem” approach that defines Catalyst’s strategy and plan, and</li>\r\n 	<li>Engage Mumbai based stakeholders including banks, payment infrastructure players, fin-tech companies, telcos, banking correspondents, VCs and consumer brands on ecosystem-based innovation partnerships for roll out in Catalyst’s Digital Payment Labs.</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\" padding_top=\"0\"][vc_column][vc_custom_heading text=\"KEY OUTCOMES\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23373a3a|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]<strong>Innovation Partnerships: </strong>\r\n\r\nPartners combined forces to flesh out two or three interesting partnership ideas, including linking wage digitization with payment use cases, combining a cash management network and digital credit facility to digitize a brand supply chain, and QR code technologies to enable mass transit payments and other retail categories (e.g., Pharmacies).[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]<strong>Approach Validation:</strong>\r\n\r\nA panel discussion on the \"relevance of an ecosystem approach\" elicited broad support for Catalyst\'s ecosystem approach as a means to solve coordination based market failures and exploit network effects across consumers, merchants and suppliers to accelerate digital payments adoption and use. Interoperability (of both payments and data) as a priority theme was endorsed, as was the need for demand creation mechanisms such as financial literacy campaigns and some assisted onboarding, especially since the cost of cash is not internalized by small merchants. The other key areas discussed were the need to liberalize merchant acquiring, business models that drive merchant trials, controlled experiments for evidence based policy design (e.g., single factor authentication for low ticket transactions, eKYC norms), and the critical role of monetary (especially tax breaks) and non-monetary incentives to change behavior.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_custom_heading text=\"RESOURCES\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23d11e3c|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488186395373{margin-top: 30px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<ul class=\"pclist-red\">\r\n 	<li><a href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/02/mumbai-agenda.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Agenda</a></li>\r\n 	<li><a href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/02/Catalyst_Plan_Presentation_18_nov_mumbai.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Presentation: Introduction to Catalyst, Approach and Way Forward, by Badal Malick (CEO, Catalyst) </a></li>\r\n 	<li><a href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/02/Mumbai-Concept-note-for-theme-1-break-out-session-Engaging-Consumers-to-use-digital.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Concept Note 1 (Engaging Consumers to use Digital)</a></li>\r\n 	<li><a href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/02/Mumbai-Concept-note-for-theme-2-breakout-session-Powering-Merchant-Acceptance.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Concept Note 2 (Powering Merchant Acceptance)</a></li>\r\n 	<li><a href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/02/Mumbai-Concept-note-for-theme-3-breakout-session-Digitising-Merchant-Supply-Chains.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Concept Note 3 (Digitizing Merchant Supply Chains)</a></li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"7886\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549454869122{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">[footer_copy]</p>\r\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\r\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'Partner Convening 4', '', 'inherit', 'closed', 'closed', '', '7969-revision-v1', '', '', '2019-02-06 12:07:57', '2019-02-06 12:07:57', '', 7969, 'https://cashlesscatalyst.org/media/7969-revision-v1/', 0, 'revision', '', 0),
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