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
(14748, 13, '2018-05-31 14:46:14', '2018-05-31 14:46:14', '[vc_row full_height=\"yes\" equal_height=\"yes\" content_placement=\"middle\" text_align=\"center\" type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"110\" padding_bottom=\"0\" bg_image=\"14749\"][vc_column][kleo_gap size=\"100px\"][vc_row_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][vc_column_inner el_class=\"uppercase\" width=\"2/3\"][vc_custom_heading text=\"Fingpay... fostering bare-pocket transactions\" font_container=\"tag:h2|font_size:48px|text_align:center|color:%23ffffff|line_height:54px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"130px\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"10\" padding_bottom=\"0\"][vc_column width=\"1/2\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"5/12\" css=\".vc_custom_1504265033147{padding-right: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1504265063058{padding-left: 0px !important;}\"][vc_column_text letter_spacing=\"\"][addtoany][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1504265782417{padding-right: 0px !important;padding-left: 0px !important;}\"][kleo_button title=\"Print this page\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/05/Fingpay_Story.pdf\" target=\"_blank\" style=\"custom\" position=\"left\" size=\"lg\" special=\"no\" border=\"no\" icon=\"print\" font_size=\"16px\" letter_spacing=\"\" el_class=\"grey-icon\" custom_text=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"14750\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1527777686732{padding-top: 17px !important;}\"][/vc_column_inner][vc_column_inner width=\"3/4\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]<em>As India continues its journey towards digitization of the economy, the payments space bears witness to rapidly evolving digital infrastructure, and innovative financial solutions. An intermediate objective of this journey is to ensure that every citizen should be able to transact digitally, with the same ease as cash.</em>\r\n\r\nWhile the benefits of digital payments are well documented at the  macroeconomic level, Pratyush Halen, founder of Fingpay is of the  view that each stakeholder derives unique benefits from transacting  digitally as well. Firstly, unbanked and underserved consumers who  begin to transact digitally create a transactions history that can be a  gateway to various other financial products such as credit and insurance. Secondly, as a result of this increased base of eligible consumers, financial service providers gain access to broader markets for their products. Lastly, this enables governments to bring informal transactions under the umbrella of the formal sector and provides them valuable data on the scale of economy activity in the country[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#0c0c0c\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"50\" padding_bottom=\"50\" el_class=\"uppercase\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"14753\" alignment=\"center\"][vc_custom_heading text=\"Biometrics payments are the need of the hour\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23ffffff|line_height:46px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1527777792591{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]With these factors in mind, Fingpay, a biometrics-based payments platform, envisages an economy where all transactions are possible bare-pocket - without the need for customers to carry cash, cards or phones on them. “Till a couple of years ago, approximately only 20 lakh of the nearly two crore merchants in India had the ability to accept digital payments. These low acceptance levels can in part be attributed to the inertia that stems from the issuance costs of credit and debit cards, and the security and monthly rentals on Point of Sale machines. To tackle this inertia, the need of the hour was a better digital payments solution which was cost-effective, secure, and mimics the ease of cash” says Pratyush. Fingpay utilises the Aadhaar number – bank account linkages in authenticating transactions via biometrics stored in the UIDAI database, thus enabling anyone with a bank account linked to their Aadhaar number to transact digitally[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]Adoption of digital payment solutions requires ownership of smartphones and fundamental knowledge about using the platform. In rural areas of India, where network coverage and signal strengths are weak, fintech companies such as Fingpay face an uphill task. With 68% of India’s population living in rural areas, where the choices of payment options are limited, the Fingpay team believes that their biggest challenges also offer them the opportunity to create impact at the last mile. Their Aadhaar Enabled Payment System (AEPS) aims to bring the rural economy at par with the digital progress made by the rest of the economy. The team adds “Once our platform proves to be successful, it can be scaled up across similar geographical locations.”[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"100\" padding_bottom=\"100\" el_class=\"uppercase\" bg_image=\"14758\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"14752\" alignment=\"center\"][vc_custom_heading text=\"Digital onboarding to increase platform uptake\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23ffffff|line_height:46px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1527777843373{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"image\" bg_image=\"7841\"][vc_column][vc_row_inner equal_height=\"yes\" content_placement=\"top\"][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]Fostering large-scale adoption of the Fingpay platform required a unique strategy. Pratyush elaborates, “Our process of on-boarding merchants remotely, using a digital interface, sets us apart from other players in this space and gives us an edge in pushing Fingpay at scale. The sign-up process is a detailed one and lets the merchants provide requisite details which are verified in real-time and enables them to start transacting immediately”.\r\n\r\nPratyush and his team acknowledge that their experience with the Catalyst Incubator* in Jaipur has provided them with valuable connections in the ecosystem, especially on the policy front. He adds “The incubator is designed to support start-ups which can re-imagine and reinvent fintech products for the masses in ways that optimize for specific needs and contexts through affordable channels.”\r\n\r\nAs is the case with all new solutions, Fingpay’s platform had to evolve and adapt in accordance with learnings in the initial stages. Pratyush says “The product had to be iterated a few times. It continues to evolve in response to various challenges on the field.” Some of the challenges that Fingpay continuously engages with include the absence of chargeback guidelines in case of fraudulent or disputed transactions and a clear refund policy for these transactions.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\" css=\".vc_custom_1527827845137{padding-top: 20px !important;}\"][vc_video link=\"https://www.youtube.com/watch?v=0QJQOsyrJwY\"][vc_column_text letter_spacing=\"\"]The team believes that cooperation between regulators, governments and companies can bridge these gaps. The Catalyst Incubator Program also enables the start-ups to execute their mission smoothly by facilitating partnerships with organisations that can complement or support their activities, and partnerships with other start-ups to promote cross-learning.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"100\" padding_bottom=\"100\" el_class=\"uppercase\" bg_image=\"14757\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"14751\" alignment=\"center\"][vc_custom_heading text=\"Product iteration an essential step\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23ffffff|line_height:46px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1527777880821{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: left;\">Where does Fingpay see itself five years down the line? Pratyush ambitiously says “We see ourselves embedded in all layers of transactions currently dominated by hard cash – with a deeper presence in rural areas of the country. We would like to diversify and offer our customers insurance and other financial products. In doing so, we will also be able to capture customer data which will provide valuable insights into their needs and financial lives, and can be leveraged to create customised financial solutions for them.”</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][kleo_divider][/vc_column][/vc_row][vc_row][vc_column][kleo_button title=\"Download\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/05/Fingpay_Story.pdf\" target=\"_blank\" position=\"center\" size=\"lg\" type=\"boxed-icon\" special=\"no\" icon=\"download\" font_size=\"14\" letter_spacing=\"\" el_class=\"pkirbtn\" icon_custom_background=\"#d11e3c\" icon_custom_text=\"#ffffff\"][/vc_column][/vc_row]', 'Fingpay... fostering bare-pocket transactions', '', 'publish', 'closed', 'closed', '', 'fingpay-fostering-bare-pocket-transactions', '', '', '2018-11-15 07:30:46', '2018-11-15 07:30:46', '', 0, 'http://cashlesscatalyst.org/?page_id=14748', 0, 'page', '', 0),
(14385, 13, '2018-05-24 09:10:00', '2018-05-24 09:10:00', '', 'cover-2', '', 'inherit', 'closed', 'closed', '', 'cover-2-2', '', '', '2018-05-24 09:10:00', '2018-05-24 09:10:00', '', 12168, 'http://cashlesscatalyst.org/wp-content/uploads/2018/02/cover-2.jpg', 0, 'attachment', 'image/jpeg', 0),
(38275, 20, '2018-11-02 18:45:39', '2018-11-02 18:45:39', '', 'tier3', '', 'inherit', 'closed', 'closed', '', 'tier3', '', '', '2018-11-02 18:45:39', '2018-11-02 18:45:39', '', 38222, 'https://cashlesscatalyst.org/wp-content/uploads/2018/11/tier3.jpg', 0, 'attachment', 'image/jpeg', 0),
(31066, 12, '2018-10-08 10:58:53', '2018-10-08 10:58:53', '', 'banner-2', '', 'inherit', 'closed', 'closed', '', 'banner-2-5', '', '', '2018-10-08 10:58:53', '2018-10-08 10:58:53', '', 31045, 'https://cashlesscatalyst.org/wp-content/uploads/2018/10/banner-2.jpg', 0, 'attachment', 'image/jpeg', 0),
(31067, 12, '2018-10-08 10:59:06', '2018-10-08 10:59:06', '', 'banner-3', '', 'inherit', 'closed', 'closed', '', 'banner-3-3', '', '', '2018-10-08 10:59:06', '2018-10-08 10:59:06', '', 31045, 'https://cashlesscatalyst.org/wp-content/uploads/2018/10/banner-3.jpg', 0, 'attachment', 'image/jpeg', 0),
(31068, 12, '2018-10-08 10:59:19', '2018-10-08 10:59:19', '', 'main-bnner', '', 'inherit', 'closed', 'closed', '', 'main-bnner-2', '', '', '2018-10-08 10:59:19', '2018-10-08 10:59:19', '', 31045, 'https://cashlesscatalyst.org/wp-content/uploads/2018/10/main-bnner.jpg', 0, 'attachment', 'image/jpeg', 0),
(31069, 12, '2018-10-08 11:00:12', '2018-10-08 11:00:12', '', 'jain', '', 'inherit', 'closed', 'closed', '', 'jain', '', '', '2018-10-08 11:00:12', '2018-10-08 11:00:12', '', 31045, 'https://cashlesscatalyst.org/wp-content/uploads/2018/10/jain.png', 0, 'attachment', 'image/png', 0),
(14736, 13, '2018-05-31 13:36:12', '2018-05-31 13:36:12', '', 'Paynearby_Story03', '', 'inherit', 'closed', 'closed', '', 'paynearby_story03', '', '', '2018-05-31 13:36:12', '2018-05-31 13:36:12', '', 14725, 'http://cashlesscatalyst.org/wp-content/uploads/2018/05/Paynearby_Story03.png', 0, 'attachment', 'image/png', 0),
(13756, 13, '2018-05-09 01:55:21', '2018-05-09 01:55:21', '', 'paybee-thumnail', '', 'inherit', 'closed', 'closed', '', 'paybee-thumnail', '', '', '2018-05-09 01:55:21', '2018-05-09 01:55:21', '', 12173, 'http://cashlesscatalyst.org/wp-content/uploads/2018/02/paybee-thumnail.jpg', 0, 'attachment', 'image/jpeg', 0),
(13777, 16, '2018-05-09 10:41:12', '2018-05-09 10:41:12', '[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=\"13793\"][vc_column][kleo_gap size=\"100px\"][vc_row_inner][vc_column_inner][vc_custom_heading text=\"INCUBATOR PROGRAM BY CATALYST- FINTECH FOR THE LAST MILE\" 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 Kanika Joshi, Catalyst at IFMR LEAD</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=\"https://cashlesscatalyst.org/wp-content/uploads/2018/05/incubator-program-by-catalyst.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][vc_column_inner][vc_custom_heading text=\"Digitization is inevitable for financial inclusion \" 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\"]In an era of unprecedented change, prior notions of ease, convenience, efficiency and innovation are being reimagined globally, by the increasing adoption of digitization in all facets of life. Prima facie, the idea of money has also progressed over time, and changed several forms- salt to cattle, then gold to paper, it has now evolved to electronic and plastic money with the advancement of technology and growing economy.While the digital revolution has tremendous implications for economic development and well-being, its potential remains considerably untapped. India ranks 91 of 139 countries in the World Economic Forumï¿½s Networked Readiness Index <a href=\"http://reports.weforum.org/global-information-technology-report-2016/networked-readiness-index/\">(WEF, 2016)</a>, ï¿½which is a key indicator of a countryï¿½s readiness and progress in leveraging Information and Communication Technology.[/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\"]The low rank is predominantly due to poor <div style=\"display:none\"><a href=\"http://academy-health.site/health-portal/trace-zinc-protection-of-our-body-from-all.html\" title=\"Trace Zinc\">Trace Zinc</a></div> coverage in terms of fundamental digital infrastructure. Some studies(<a href=\"https://www.orfonline.org/research/cashless-india-getting-incentives-right/#_edn18\">ORF,2017</a>) say that the use of digitization is certainly linked with levels of education/consumer income and hence the expanse of Indiaï¿½s informal economy reflects its stickiness to cash.\r\n\r\nIn the vision to help small businesses unlock the power of digital payments for greater financial inclusion the Government of India launched the Digital India Campaign, India Stack Initiative and various other enabling frameworks. To support and enable this ambitious vision, Catalyst is an initiative seeded by an alliance between the Government of India and USAID, to expand digital payments and financial inclusion in India, especially for small merchants and low-income consumers.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1521203333411{padding-top: 30px !important;padding-bottom: 30px !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=\"Incubator Program to support Fintech for the last mile \" 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\" content_placement=\"middle\" el_class=\"img-content\"][vc_column_inner][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]<img class=\"alignleft wp-image-13789 size-medium\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/05/Incuabtor-300x200.jpg\" alt=\"\" width=\"300\" height=\"200\">From a ï¿½kirana walaï¿½ to an ï¿½investment bankerï¿½, individuals across working classes and segments play a key role in driving Indiaï¿½s gradual shift to a digital, cashless economy. In the aim to reach every segment, one of Catalystï¿½s thrust was the launch of a unique <a href=\"https://cashlesscatalyst.org/incubator/\">Incubator program</a> with the theme ï¿½Fintech for the Last Mile\". The aim of the program is to focus on testing various innovative digital payment solutions for last-mile consumers by focussing on network effects.\r\n\r\nï¿½Through this program we identified Fintech start-ups and provided them with financial support of USD 50,000 to test their solutions with merchants, distributors and customers in Jaipur. In addition, we also offer them support services such as market access,ï¿½mentorship, technology infrastructure, and research and operational support for the experiments.ï¿½ says Sharon Buteau, Director at Catalyst.\r\n\r\nThe application process for the Incubator program kick-started in June 2017 with a two-month outreach drive, which resulted in submissions by 51 start-ups along with a flurry of enquiries. On receiving the applications, there was a rigorous three-phase selection process to choose the five finalists among the wide ranging submissions using innovative technology, data analytics, business models to reach the last mile consumer.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1521203673089{border-top-width: 30px !important;padding-bottom: 30px !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=\"Glimpse of all startups \" 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][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]The five shortlisted entities represent Catalystï¿½s vision to help small businesses and low-income consumers unlock the power of digital payments to gain access to broader financial services and create opportunities vital to their future prosperity. Here is a glimpse of them:[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"1/4\"][vc_single_image image=\"12966\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" el_class=\"startup-logo\" link=\"http://www.merapaper.com/\"][/vc_column_inner][vc_column_inner width=\"3/4\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]One of the incubatees, <a href=\"http://www.merapaper.com/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong><em>Merapaper</em></strong></a> aims to digitize billing processes of subscription-based small merchants, to ease their operational burden and improve transparency for the buyer by providing various options for bill payments. ï¿½I have been using Merapaper since August 2017. Earlier, I used to spend ten hours (per month) maintaining balance books. The bill books would cost me Rs.500. With this app, life has become much easier.ï¿½ says Shravan Kumar, a newspaper vendor in Vaishali centre, Jaipur, who echoes the sentiments of other vendors who have started using the application and feel the difference in their operations.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1521203673089{border-top-width: 30px !important;padding-bottom: 30px !important;}\"][vc_column_inner][vc_empty_space height=\"25px\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"1/4\"][vc_single_image image=\"12965\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" el_class=\"startup-logo\" link=\"https://paynearby.in/\"][/vc_column_inner][vc_column_inner width=\"3/4\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]Another incubatee, <a href=\"https://paynearby.in/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong><em>Paynearby</em></strong></a> is helping create hyperlocal fintech networks that will improve last mile connectivity of financial services, by enabling existing corner shops to become a digital financial services hub. Anand, the National Sales Head of Paynearby believes that in a micro sense, their fintech network facilitates transactions such as remittances by a domestic labourer to his family in a convenient manner.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1521203673089{border-top-width: 30px !important;padding-bottom: 30px !important;}\"][vc_column_inner][vc_empty_space height=\"25px\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"1/4\"][vc_single_image image=\"12969\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" el_class=\"startup-logo\" link=\"https://www.kaleidofin.com/\"][/vc_column_inner][vc_column_inner width=\"3/4\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]Reachingï¿½ a similar underserved segment, <a href=\"https://www.kaleidofin.com/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong><em>Kaleidofin</em></strong></a> is a platform that provides tailored financial services to the mass market including populations who are unbanked and have significant variability in their income. They leverage wealth advisory and management practices to improve the financial health of households from lower income and rural segments.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1521203673089{border-top-width: 30px !important;padding-bottom: 30px !important;}\"][vc_column_inner][vc_empty_space height=\"25px\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"1/4\"][vc_single_image image=\"12967\" alignment=\"center\" onclick=\"custom_link\" el_class=\"startup-logo\" link=\"https://paybee.io\"][/vc_column_inner][vc_column_inner width=\"3/4\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]Further, <a href=\"https://paybee.io/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong><em>PayBee</em></strong></a><strong><em>ï¿½s</em></strong> solution automates and digitizes B2B collections in the distributor-retailer supply chain. According to a leading pharmaceutical distributor in Rajasthan who was one of the first merchants to adopt PayBee ï¿½Adopting PayBee reduces our time to collect cash from retailers, the work force deployed to each and every retailer for payment collection, and protects us from risks associated with cheating on their part.ï¿½[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1521203673089{border-top-width: 30px !important;padding-bottom: 30px !important;}\"][vc_column_inner][vc_empty_space height=\"25px\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"1/4\"][vc_single_image image=\"12964\" alignment=\"center\" onclick=\"custom_link\" el_class=\"startup-logo\" link=\"https://fingpay.co.in/wp/\"][/vc_column_inner][vc_column_inner width=\"3/4\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]Finally, <a href=\"https://fingpay.co.in/wp/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong><em>Fingpay</em></strong></a> enables merchants to accept digital payments from customers through Aadhaar pay with just a fingerprint, thereby removing conventional barriers to digital financial inclusion such as access to mobile phones, debit cards and so on. ï¿½Catalystï¿½s Incubator program will help our product to reach the end customer, and will enable them to go digital. We sincerely look forward to this opportunity to collaborate with the team and build on our work in Jaipur.ï¿½, believes the team at Fingpay.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1521203705819{padding-top: 30px !important;padding-bottom: 30px !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=\"The way forward \" 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\"]In following months, the Incubator program will focus on providing strategic and operational support to the incubatees, and help them establish linkages with key stakeholders in the broader ecosystem. Along with this, Incubator team at Catalyst is dedicated to support them with customer connect, data assistance and mentor support to strengthen their base in Jaipur.[/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\"]Catalyst is very hopeful that these fintech champions have the potential to live up to its vision of enabling last-mile adoption of digital payments in India. We are now excited to see the digital impact that the startups will create in transforming Jaipur from a cash-based to a cashless economy using digital payments, in the years to come.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1521210432878{padding-top: 30px !important;padding-bottom: 30px !important;}\"][vc_column_inner][vc_separator color=\"custom\" accent_color=\"#626262\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"10px\" padding_bottom=\"10px\"][vc_column width=\"1/2\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"5/12\"][/vc_column_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1504265268713{padding-left: 0px !important;}\"][vc_column_text letter_spacing=\"\"][addtoany][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1504265795099{padding-right: 0px !important;padding-left: 0px !important;}\"][kleo_button title=\"Print this page\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/05/incubator-program-by-catalyst.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=16][/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]', 'Incubator Program by Catalyst - Fintech for the last mile', '', 'publish', 'open', 'open', '', 'incubator-program-by-catalyst', '', '', '2018-11-15 10:13:55', '2018-11-15 10:13:55', '', 0, 'http://cashlesscatalyst.org/?p=13777', 17, 'post', '', 0),
(24541, 13, '2018-07-13 12:27:31', '2018-07-13 12:27:31', '', 'Gen-Next', '', 'inherit', 'closed', 'closed', '', 'gen-next-3', '', '', '2018-07-13 12:27:31', '2018-07-13 12:27:31', '', 12173, 'http://cashlesscatalyst.org/wp-content/uploads/2018/02/Gen-Next.jpg', 0, 'attachment', 'image/jpeg', 0),
(24272, 13, '2018-07-11 12:49:16', '2018-07-11 12:49:16', '', 'registers', '', 'inherit', 'closed', 'closed', '', 'registers', '', '', '2018-07-11 12:49:16', '2018-07-11 12:49:16', '', 24269, 'http://cashlesscatalyst.org/wp-content/uploads/2018/07/registers.png', 0, 'attachment', 'image/png', 0),
(24270, 13, '2018-07-11 12:46:06', '2018-07-11 12:46:06', '', 'Gen-Next', '', 'inherit', 'closed', 'closed', '', 'gen-next', '', '', '2018-07-11 12:46:06', '2018-07-11 12:46:06', '', 24269, 'http://cashlesscatalyst.org/wp-content/uploads/2018/07/Gen-Next.png', 0, 'attachment', 'image/png', 0),
(24271, 13, '2018-07-11 12:46:21', '2018-07-11 12:46:21', '', 'chit_funds', '', 'inherit', 'closed', 'closed', '', 'chit_funds', '', '', '2018-07-11 12:46:21', '2018-07-11 12:46:21', '', 24269, 'http://cashlesscatalyst.org/wp-content/uploads/2018/07/chit_funds.png', 0, 'attachment', 'image/png', 0),
(22797, 13, '2018-07-03 13:36:48', '2018-07-03 13:36:48', '', 'banner-list02', '', 'inherit', 'closed', 'closed', '', 'banner-list02', '', '', '2018-07-03 13:36:48', '2018-07-03 13:36:48', '', 22688, 'http://cashlesscatalyst.org/wp-content/uploads/2018/07/banner-list02.jpg', 0, 'attachment', 'image/jpeg', 0),
(25005, 12, '2018-08-03 14:46:58', '2018-08-03 14:46:58', '[vc_row padding_top=\"0\" padding_bottom=\"0\"][vc_column][vc_row_inner][vc_column_inner][rev_slider_vc alias=\"home-new\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#8e172b\" padding_top=\"0\" padding_bottom=\"0\"][vc_column width=\"1/6\"][/vc_column][vc_column width=\"2/3\"][vc_single_image image=\"25921\" img_size=\"full\"][/vc_column][vc_column width=\"1/6\"][/vc_column][/vc_row][vc_row type=\"image\" padding_top=\"60px\" padding_bottom=\"30px\" bg_image=\"25922\"][vc_column width=\"1/2\"][/vc_column][vc_column width=\"1/2\"][vc_column_text text_color=\"#ffffff\" letter_spacing=\"\"]CATALYST has a broader mission to help small business ecosystems access the benefits of digital finance. The Catalyst Incubator — Fintech for the Last Mile promotes innovative and scalable fintech solutions that address the needs of traditionally underserved market segments. It offers innovative entrepreneurs technical and financial assistance in the form of performance-based financing, ground operational resources, research methodologies, broader ecosystem linkages, and domain expertise\r\n\r\nThe first round of selection of the incubatees took place in February 2018 where five applicants were selected.\r\n\r\n[/vc_column_text][/vc_column][/vc_row][vc_row type=\"image\" padding_top=\"50\" padding_bottom=\"50\" bg_image=\"25928\"][vc_column width=\"1/2\" el_class=\"inc-img\"][vc_single_image image=\"26357\" img_size=\"full\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner css=\".vc_custom_1536761334507{margin-bottom: 30px !important;}\"][vc_column_inner][vc_column_text font_size=\"21px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\"><strong>The five shortlisted Start-Ups </strong></p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1536763013113{margin-bottom: 20px !important;}\"][vc_single_image image=\"25997\" alignment=\"center\"][/vc_column_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1536763036990{margin-bottom: 20px !important;}\"][vc_single_image image=\"25998\" alignment=\"center\"][/vc_column_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1536763050875{margin-bottom: 20px !important;}\"][vc_single_image image=\"26000\" alignment=\"center\"][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner el_class=\"smallcol\" width=\"1/3\"][/vc_column_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1536763080410{margin-bottom: 20px !important;}\"][vc_single_image image=\"25999\" alignment=\"center\"][/vc_column_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1536763087673{margin-bottom: 20px !important;}\"][vc_single_image image=\"25996\" alignment=\"center\"][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1536775202148{margin-top: 30px !important;}\"][vc_column_inner][kleo_button title=\"Know More\" href=\"https://cashlesscatalyst.org/incubator/\" style=\"custom\" 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=\"image\" bg_image=\"7841\"][vc_column][vc_empty_space height=\"20px\"][vc_custom_heading text=\"RECENT ACTIVITIES\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23000000|line_height:36px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_empty_space height=\"35px\"][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"]\r\n\r\n[gallery tiles=\"yes\" columns=\"6\" size=\"full\" grids=\"RECENT ACTIVITIES\" small_screen_grid=\"Gallery-mobile\" image_size=\"full\" ids=\"40841,26376,32279,32246,32253,32252,32230,26511,32236,26374\"]\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"40px\"][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"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_1549447626486{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_1484047958306{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]', 'Home', '', 'publish', 'closed', 'closed', '', 'home-3', '', '', '2019-03-14 04:26:17', '2019-03-14 04:26:17', '', 0, 'http://cashlesscatalyst.org/?page_id=25005', 0, 'page', '', 0),
(41129, 0, '2019-04-07 14:53:25', '2019-04-07 14:53:25', 'A new comment on the post \"Incubator Program by Catalyst - Fintech for the last mile\" is waiting for your approval\r\nhttps://cashlesscatalyst.org/incubator-program-by-catalyst/\r\n\r\nAuthor: www.talkhelper.com (IP: 209.99.174.244, 209.99.174.244)\r\nEmail: georgia.friedmann@gmail.com\r\nURL: https://www.talkhelper.com/best-pdf-to-excel-converter-for-windows/\r\nComment: \r\nThanks to the excellent manual\r\n\r\nApprove it: https://cashlesscatalyst.org/wp-admin/comment.php?action=approve&amp;c=12104#wpbody-content\r\nTrash it: https://cashlesscatalyst.org/wp-admin/comment.php?action=trash&amp;c=12104#wpbody-content\r\nSpam it: https://cashlesscatalyst.org/wp-admin/comment.php?action=spam&amp;c=12104#wpbody-content\r\nCurrently 165 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', '[Catalyst] Please moderate: \"Incubator Program by Catalyst - Fintech for the last mile\"', 'Bad Request(invalid_grant)', 'private', 'closed', 'closed', '', 'catalyst-please-moderate-incubator-program-by-catalyst-fintech-for-the-last-mile', '', '', '2019-04-07 14:53:25', '2019-04-07 14:53:25', '', 0, 'https://cashlesscatalyst.org/postman_sent_mail/catalyst-please-moderate-incubator-program-by-catalyst-fintech-for-the-last-mile/', 0, 'postman_sent_mail', '', 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
(40333, 20, '2019-01-29 13:26:57', '2019-01-29 13:26:57', '[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=\"image\" bg_color=\"#ffffff\" bg_repeat=\"repeat\" bg_attachment=\"true\" enable_parallax=\"false\" padding_top=\"30\" bg_image=\"10448\"][vc_column][vc_row_inner equal_height=\"yes\" gap=\"30\" el_class=\"lnContainer\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1547534078347{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=\"39969\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2019/01/Regulation-Policy-Report-V4_Proofed-V2.pdf\"][vc_custom_heading text=\"Enabling dialogue between regulators and financial \ninnovators for financial inclusion\" 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%2FRegulation-Policy-Report-V4_Proofed-V2.pdf||target:%20_blank|\" el_class=\"lnContainerTitle\" css=\".vc_custom_1548768163437{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Seven use cases to test the waters\" 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_1547467771680{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_1547467965315{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1547534249955{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=\"12192\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2017/04/Catalyst-Niti-Ayog.pdf\"][vc_custom_heading text=\"Study to test incentives for onboarding merchants and consumers\" 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%2Fwp-content%2Fuploads%2F2017%2F04%2FCatalyst-Niti-Ayog.pdf||target:%20_blank|\" el_class=\"lnContainerTitle\" css=\".vc_custom_1519197325794{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"April, 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_1519205705279{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" gap=\"30\" el_class=\"lnContainer\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1547534179414{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;}\" offset=\"vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1519197273317{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;}\" offset=\"vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs\"][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=\"May 15, 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_1519195517043{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1519197259639{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;}\" offset=\"vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs\"][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=\"July 23, 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_1519195469339{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1519197284154{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;}\" offset=\"vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs\"][vc_single_image image=\"12147\" 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=\"\" 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_1519195554556{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\" padding_bottom=\"50px\" bg_image=\"9937\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1526060845058{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\n<p style=\"text-align: center;\">CATALYST is an initiative funded by USAID under the mSTAR Program, through funding provided to FHI 360. Housed within IFMR LEAD, the initiative aims to expand digital payments and financial inclusion in India, especially for small merchants and low-income consumers.</p>\n\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\n\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'Policy Briefs', '', 'inherit', 'closed', 'closed', '', '12159-autosave-v1', '', '', '2019-01-29 13:26:57', '2019-01-29 13:26:57', '', 12159, 'https://cashlesscatalyst.org/media/12159-autosave-v1/', 0, 'revision', '', 0),
(13807, 13, '2018-05-09 14:46:46', '2018-05-09 14:46:46', '', 'payments', '', 'inherit', 'closed', 'closed', '', 'payments-2', '', '', '2018-05-09 14:46:46', '2018-05-09 14:46:46', '', 13493, 'http://cashlesscatalyst.org/wp-content/uploads/2018/05/payments.jpg', 0, 'attachment', 'image/jpeg', 0),
(13789, 13, '2018-05-09 11:26:26', '2018-05-09 11:26:26', '', 'Incuabtor', '', 'inherit', 'closed', 'closed', '', 'incuabtor', '', '', '2018-05-09 11:26:26', '2018-05-09 11:26:26', '', 13777, 'http://cashlesscatalyst.org/wp-content/uploads/2018/05/Incuabtor.jpg', 0, 'attachment', 'image/jpeg', 0),
(13793, 13, '2018-05-09 11:32:57', '2018-05-09 11:32:57', '', 'digitization', '', 'inherit', 'closed', 'closed', '', 'digitization', '', '', '2018-05-09 11:32:57', '2018-05-09 11:32:57', '', 13777, 'http://cashlesscatalyst.org/wp-content/uploads/2018/05/digitization.jpg', 0, 'attachment', 'image/jpeg', 0),
(13814, 13, '2018-05-09 15:31:09', '2018-05-09 15:31:09', '', 'remote-payments-era', '', 'inherit', 'closed', 'closed', '', 'remote-payments-era', '', '', '2018-05-09 15:31:09', '2018-05-09 15:31:09', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/05/remote-payments-era.pdf', 0, 'attachment', 'application/pdf', 0),
(13822, 13, '2018-05-09 15:49:03', '2018-05-09 15:49:03', '', 'incubator-program-by-catalyst.pdf', '', 'inherit', 'closed', 'closed', '', 'incubator-program-by-catalyst-pdf', '', '', '2018-05-09 15:49:03', '2018-05-09 15:49:03', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/05/incubator-program-by-catalyst.pdf.pdf', 0, 'attachment', 'application/pdf', 0),
(13833, 13, '2018-05-09 16:25:35', '2018-05-09 16:25:35', '', 'remote-payments-era', '', 'inherit', 'closed', 'closed', '', 'remote-payments-era-2', '', '', '2018-05-09 16:25:35', '2018-05-09 16:25:35', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/05/remote-payments-era-1.pdf', 0, 'attachment', 'application/pdf', 0),
(13834, 13, '2018-05-09 16:25:47', '2018-05-09 16:25:47', '', 'incubator-program-by-catalyst', '', 'inherit', 'closed', 'closed', '', 'incubator-program-by-catalyst-2', '', '', '2018-05-09 16:25:47', '2018-05-09 16:25:47', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/05/incubator-program-by-catalyst.pdf', 0, 'attachment', 'application/pdf', 0),
(15082, 13, '2018-06-05 05:58:37', '2018-06-05 05:58:37', '', 'Ecosystem-Infograph', '', 'inherit', 'closed', 'closed', '', 'ecosystem-infograph', '', '', '2018-06-05 05:58:37', '2018-06-05 05:58:37', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/06/Ecosystem-Infograph.pdf', 0, 'attachment', 'application/pdf', 0),
(16456, 13, '2018-06-12 11:54:59', '2018-06-12 11:54:59', '', 'interview-mr-swamy', '', 'inherit', 'closed', 'closed', '', 'interview-mr-swamy', '', '', '2018-06-12 11:56:08', '2018-06-12 11:56:08', '', 9548, 'http://cashlesscatalyst.org/wp-content/uploads/2017/03/interview-mr-swamy.jpg', 0, 'attachment', 'image/jpeg', 0),
(13870, 12, '2018-05-11 11:44:52', '2018-05-11 11:44:52', '', 'incubator', '', 'inherit', 'closed', 'closed', '', 'incubator-2', '', '', '2018-05-11 11:46:46', '2018-05-11 11:46:46', '', 9548, 'http://cashlesscatalyst.org/wp-content/uploads/2017/03/incubator.jpg', 0, 'attachment', 'image/jpeg', 0),
(13871, 12, '2018-05-11 11:44:53', '2018-05-11 11:44:53', '', 'kaleidofin', '', 'inherit', 'closed', 'closed', '', 'kaleidofin-5', '', '', '2018-05-11 11:45:51', '2018-05-11 11:45:51', '', 9548, 'http://cashlesscatalyst.org/wp-content/uploads/2017/03/kaleidofin.jpg', 0, 'attachment', 'image/jpeg', 0),
(13872, 12, '2018-05-11 11:44:54', '2018-05-11 11:44:54', '', 'paybee', '', 'inherit', 'closed', 'closed', '', 'paybee-7', '', '', '2018-05-11 11:46:04', '2018-05-11 11:46:04', '', 9548, 'http://cashlesscatalyst.org/wp-content/uploads/2017/03/paybee.jpg', 0, 'attachment', 'image/jpeg', 0),
(13873, 12, '2018-05-11 11:44:55', '2018-05-11 11:44:55', '', 'remote-payments', '', 'inherit', 'closed', 'closed', '', 'remote-payments-3', '', '', '2018-05-11 11:46:27', '2018-05-11 11:46:27', '', 9548, 'http://cashlesscatalyst.org/wp-content/uploads/2017/03/remote-payments.jpg', 0, 'attachment', 'image/jpeg', 0),
(14807, 13, '2018-06-01 11:00:56', '2018-06-01 11:00:56', '', 'fingpay', '', 'inherit', 'closed', 'closed', '', 'fingpay-4', '', '', '2018-06-01 11:00:56', '2018-06-01 11:00:56', '', 12173, 'http://cashlesscatalyst.org/wp-content/uploads/2018/02/fingpay-1.jpg', 0, 'attachment', 'image/jpeg', 0),
(25153, 18, '2018-08-14 12:29:21', '2018-08-14 12:29:21', '[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=\"25451\"][vc_column][kleo_gap size=\"100px\"][vc_row_inner][vc_column_inner][vc_custom_heading text=\"BOB DYLAN, MONEYBALL AND SANDBOXES\r\nWHATï¿½S BREWING AT THE POLICY TEAM AT CATALYST\" font_container=\"tag:h2|font_size:48px|text_align:center|color:%23ffffff|line_height:54px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"130px\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"10\" padding_bottom=\"0\"][vc_column width=\"1/2\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"5/12\" css=\".vc_custom_1504265033147{padding-right: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1504265063058{padding-left: 0px !important;}\"][vc_column_text letter_spacing=\"\"][addtoany][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1504265782417{padding-right: 0px !important;padding-left: 0px !important;}\"][kleo_button title=\"Print this page\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/06/What-Cooking-in-our-Digital-Payments-Lab.pdf\" target=\"_blank\" style=\"custom\" position=\"left\" size=\"lg\" special=\"no\" border=\"no\" icon=\"print\" font_size=\"16px\" letter_spacing=\"\" el_class=\"grey-icon\" custom_text=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" padding_top=\"20\" padding_bottom=\"20\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner width=\"1/3\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text text_color=\"#0c0c0c\" font_size=\"20px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]<em>For the times they are a-changin\'</em>\r\n<em><span style=\"text-align: right; display: block;\">- Bob Dylan</span> </em>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#ffffff\"][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\"]Paul Volcker, the former head of the Federal Reserve once told American financial services executives that the ATM was the peak of innovation in the financial industry. While reasonable folks may disagree with Volcker, it is certain that the pace of innovation in the financial sector space is slow, in part, as an unintended consequence of entry-barriers and maze of regulations governing the sector. In the aftermath of the great financial crisis of 2008, regulatory caution is perhaps expected. Nonetheless, the absence of innovation in the financial sector may have consequential impact in terms of inhibiting the rate of financial inclusion for the poor. (There are structural/legal reasons for according stability a ï¿½first among equalsï¿½ treatment among the several regulatory goals. For example, the constituent statutes of most central banks make stability and controlling inflation as their main goals. Thus there is an Institutional bias in favor of preserving stability).\r\n\r\nIn recent years, starting with the Financial Conduct Authority (UK), regulators have attempted to intermediate the tension between innovation and stability through the construct of a regulatory sandbox.\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"] Simply put, a regulatory sandbox is a ï¿½safe spaceï¿½ in which businesses can test innovative products, services, business models and delivery mechanisms without incurring regulatory consequences of engaging in the activity in question.\r\n\r\nA controlled environment ensures that the businesses operate without any risk of enforcement actions from the regulators. (The actionable instrument here is in the form of a ï¿½No-action letterï¿½ that issues from the regulator to the entity experimenting for the duration of the experiment). Regulators from Australia, HK, Malaysia and Singapore have followed the template laid down by FCA and set up their own sandboxes. In fact, as a CGAP paper on the issue tells us, more than 20 countries from Abu Dhabi to Sierra Leone have adopted the concept. Closer home, an internal working group at the RBI also appears to be convinced of the potential of a sandbox to promote innovation and has recommended that it be housed at the IDRBT. <sup>2</sup>\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" padding_bottom=\"30\" bg_image=\"7841\"][vc_column][vc_column_text text_color=\"#0c0c0c\" font_size=\"20px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]<em>But why am I telling you all this? Because at Catalyst, continuing with our commitment to financial inclusion, we have embarked on a project that compliments the idea of regulatory sandbox. Jumping ahead of the regulatory sandbox curve if you will, we are presently documenting use-cases that remain constrained owing to regulatory, infrastructural or operational reasons. We have put together the first tranche of 7 such areas and propose to document a total of 15 scalable use-cases that are also relevant from a financial inclusion stand-point by the end of this exercise. We will disseminate the paper through a symposium and engage in concerted advocacy with the regulators along the way.</em>\r\n\r\n[/vc_column_text][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#ffffff\"][vc_column][vc_row_inner equal_height=\"yes\"][vc_column_inner][vc_column_text font_size=\"16px\" letter_spacing=\"\"]I am going to walk you through the first tranche in a bit but before that, recall the scene from Moneyball when Billy Beane (Pitt) meets John Henry of the Boston Red Sox. Beaneï¿½s unorthodox approach to Baseball and reliance on statistics instead of scouts to source players had the Oakland Aï¿½s on a 19 match unbeaten streak (that regrettably ended against Kansas in the playoffs). As John Henry told Beane:\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<em>ï¿½I know youï¿½ve taken it in the teeth out there, but the first guy through the wall?ï¿½?he always gets bloody. Always. Itï¿½s the threat of not just the way of doing business, but in their minds, itï¿½s threatening the game. But really what itï¿½s threatening is their livelihoods. Itï¿½s threatening their jobs. Itï¿½s threatening the way that they do things. And every time that happens, whether itï¿½s the government or a way of doing business or whatever it is, the people who are holding the reins?ï¿½?have their hands on the switch?ï¿½?they go batshit crazy.ï¿½</em>\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner][kleo_divider][/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\"]Fintech start-ups are the Billy Beane of our ecosystem. They invest capital and intellectual labor in a business idea motivated to solve for apparently difficult problems that society faces. As with Baseball the incumbents and the hard-coded legal rules and processes donï¿½t make their task any easier.\r\n\r\nIt is important therefore to create facilitative Institutional framework where they can test business cases with potentially consequential benefits for the society; like the use-case on enabling customized wealth management for the informal sector consumers that we have covered. It is common knowledge that they experience high cash-flow volatility and are often under/uninsured. Yet, we do not have a regulatory framework for offering customized portfolio management, based on their unique needs. We suggest some testable solutions.\r\n\r\nAadhaar-Pay is another use-case rich with potential given Indiaï¿½s poorly developed general card acquiring infrastructure. Aadhaar Pay can be used by merchants as an alternative to cost-intensive PoS infrastructure in areas where PoS penetration is poor. However, the current unit economics does not support banks to acquire merchants on Aadhaar Pay rails.\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]We propose, among other things, a change in the pricing model that compensates the acquiring bank that can proliferate the Aadhaar-Pay solution.\r\n\r\nFinally, there is the emergent form of lending on a non-recourse basis; a platform matches borrower to a group of lenders discovering the coupon on the loan through bidding on the platform. At present, RBIï¿½s regulatory framework has restricted the use-case by capping both the lender-side and borrower-side exposure. However, there is case for experimenting the use of these platforms for micro and small business credit. Equally, there is a case for experimenting scenarios where Institutional capital invests in these businesses and not merely natural persons. Likewise, these platforms can facilitate deepening of secondary market for loans on balance sheet of conventional originators. At present, the secondary market participants only include banks and ARCs. Testing if these platforms can buy, spread and manage that risk among their Institutional investors if successful can unlock another buyer group and move importantly, clean up the formal financial system of NPAs faster. More on this later!\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" padding_bottom=\"30\" bg_image=\"7841\"][vc_column][vc_row_inner equal_height=\"yes\"][vc_column_inner][vc_column_text text_color=\"#0c0c0c\" font_size=\"20px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]I will leave you all with a quote from Money Ball, (the book this time): <em>ï¿½If you challenge conventional wisdom, you will find ways to do things much better than they are currently done.ï¿½</em>\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"10px\" padding_bottom=\"10px\"][vc_column width=\"1/2\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"5/12\"][/vc_column_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1504265268713{padding-left: 0px !important;}\"][vc_column_text letter_spacing=\"\"][addtoany][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1504265795099{padding-right: 0px !important;padding-left: 0px !important;}\"][kleo_button title=\"Print this page\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/06/What-Cooking-in-our-Digital-Payments-Lab.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=18]\r\n\r\n[/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 <div style=\"display:none\"><a href=\"http://muscular-info.pro/build-your-muscles/sports-nutrition-benefits-and-harm-to-the-human.html\" title=\"Sports nutrition benefits and harm to the human body\">Sports nutrition benefits and harm to the human body</a></div> 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]', 'Bob Dylan, Moneyball and Sandboxes- What’s brewing at the Policy team at Catalyst', 'Paul Volcker, the former head of the Federal Reserve once told American financial services executives that the ATM was the peak of innovation in the financial industry.', 'publish', 'open', 'open', '', 'bob-dylan-moneyball-sandboxes-whats-brewing-policy-team-catalyst', '', '', '2018-11-15 10:21:50', '2018-11-15 10:21:50', '', 0, 'http://cashlesscatalyst.org/?p=25153', 9, 'post', '', 0),
(24870, 12, '2018-07-24 19:40:13', '2018-07-24 19:40:13', '', 'Building Hooks and Ladders Book', '', 'inherit', 'closed', 'closed', '', 'building-hooks-and-ladders-book', '', '', '2018-07-24 19:40:13', '2018-07-24 19:40:13', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/07/Building-Hooks-and-Ladders-Book.pdf', 0, 'attachment', 'application/pdf', 0),
(40584, 0, '2019-03-06 01:30:42', '2019-03-06 01:30:42', 'A new comment on the post \"Miles to go before we sleep, in our journey to a less-cash India\" is waiting for your approval\r\nhttps://cashlesscatalyst.org/catalyst-blog/miles-go-sleep-journey-less-cash-india/\r\n\r\nAuthor: atemude (IP: 62.210.83.206, 62.210.83.206)\r\nEmail: cawode@aserrpp.com\r\nURL: http://theprettyguineapig.com/amoxicillin/\r\nComment: \r\n[url=http://theprettyguineapig.com/amoxicillin/]Amoxicillin 500 Mg[/url] <a href=\"http://theprettyguineapig.com/amoxicillin/\" rel=\"nofollow\">Amoxicillin 500 Mg</a> http://theprettyguineapig.com/amoxicillin/\r\n\r\nApprove it: https://cashlesscatalyst.org/wp-admin/comment.php?action=approve&amp;c=12055#wpbody-content\r\nTrash it: https://cashlesscatalyst.org/wp-admin/comment.php?action=trash&amp;c=12055#wpbody-content\r\nSpam it: https://cashlesscatalyst.org/wp-admin/comment.php?action=spam&amp;c=12055#wpbody-content\r\nCurrently 116 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', '[Catalyst] Please moderate: \"Miles to go before we sleep, in our journey to a less-cash India\"', 'Bad Request(invalid_grant)', 'private', 'closed', 'closed', '', 'catalyst-please-moderate-miles-to-go-before-we-sleep-in-our-journey-to-a-less-cash-india-2', '', '', '2019-03-06 01:30:42', '2019-03-06 01:30:42', '', 0, 'https://cashlesscatalyst.org/postman_sent_mail/catalyst-please-moderate-miles-to-go-before-we-sleep-in-our-journey-to-a-less-cash-india-2/', 0, 'postman_sent_mail', '', 0),
(39592, 20, '2018-12-16 06:21:38', '2018-12-16 06:21:38', '', 'CC-playbook', '', 'inherit', 'closed', 'closed', '', 'cc-playbook', '', '', '2018-12-16 06:21:38', '2018-12-16 06:21:38', '', 0, 'https://cashlesscatalyst.org/wp-content/uploads/2018/12/CC-playbook.pdf', 0, 'attachment', 'application/pdf', 0);
INSERT INTO `in_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES
(39594, 20, '2018-12-16 06:36:51', '2018-12-16 06:36:51', '[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=\"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_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_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_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_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_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=\"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_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=\"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_1541412132179{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2018%2F10%2FSmall-Merchant-Report.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_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=\"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\" 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_1540569563533{padding-right: 5% !important;padding-bottom: 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_1540569176758{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 el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"9937\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1526060622063{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">CATALYST is an initiative funded by USAID under the mSTAR Program, through funding provided to FHI 360. Housed within IFMR LEAD, the initiative aims to expand digital payments and financial inclusion in India, especially for small merchants and low-income consumers.</p>\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]', 'Studies & Reports', '', 'inherit', 'closed', 'closed', '', '12168-revision-v1', '', '', '2018-12-16 06:36:51', '2018-12-16 06:36:51', '', 12168, 'https://cashlesscatalyst.org/media/12168-revision-v1/', 0, 'revision', '', 0),
(40583, 0, '2019-03-06 01:30:42', '2019-03-06 01:30:42', 'A new comment on the post \"Miles to go before we sleep, in our journey to a less-cash India\" is waiting for your approval\r\nhttps://cashlesscatalyst.org/catalyst-blog/miles-go-sleep-journey-less-cash-india/\r\n\r\nAuthor: atemude (IP: 62.210.83.206, 62.210.83.206)\r\nEmail: cawode@aserrpp.com\r\nURL: http://theprettyguineapig.com/amoxicillin/\r\nComment: \r\n[url=http://theprettyguineapig.com/amoxicillin/]Amoxicillin 500 Mg[/url] <a href=\"http://theprettyguineapig.com/amoxicillin/\" rel=\"nofollow\">Amoxicillin 500 Mg</a> http://theprettyguineapig.com/amoxicillin/\r\n\r\nApprove it: https://cashlesscatalyst.org/wp-admin/comment.php?action=approve&amp;c=12055#wpbody-content\r\nTrash it: https://cashlesscatalyst.org/wp-admin/comment.php?action=trash&amp;c=12055#wpbody-content\r\nSpam it: https://cashlesscatalyst.org/wp-admin/comment.php?action=spam&amp;c=12055#wpbody-content\r\nCurrently 116 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', '[Catalyst] Please moderate: \"Miles to go before we sleep, in our journey to a less-cash India\"', 'Bad Request(invalid_grant)', 'private', 'closed', 'closed', '', 'catalyst-please-moderate-miles-to-go-before-we-sleep-in-our-journey-to-a-less-cash-india', '', '', '2019-03-06 01:30:42', '2019-03-06 01:30:42', '', 0, 'https://cashlesscatalyst.org/postman_sent_mail/catalyst-please-moderate-miles-to-go-before-we-sleep-in-our-journey-to-a-less-cash-india/', 0, 'postman_sent_mail', '', 0),
(41157, 0, '2019-04-09 01:42:17', '2019-04-09 01:42:17', 'A new comment on the post \"The view from 10 months in..\" is waiting for your approval\r\nhttps://cashlesscatalyst.org/view-10-months-in/\r\n\r\nAuthor: sandyhr60 (IP: 109.70.100.19, tor-exit-anonymizer-02.appliedprivacy.net)\r\nEmail: lilianazt20@shiro48.downloadism.top\r\nURL: http://porn.backround.instasexyblog.com\r\nComment: \r\nNew super hot photo galleries, daily updated collections\r\nhttp://porn.audtion.xblognetwork.com/?delilah \r\n\r\n email me free porn porn star on tv elder porn video clips milf swinger porn movies ariel pink porn\r\n\r\nApprove it: https://cashlesscatalyst.org/wp-admin/comment.php?action=approve&amp;c=12118#wpbody-content\r\nTrash it: https://cashlesscatalyst.org/wp-admin/comment.php?action=trash&amp;c=12118#wpbody-content\r\nSpam it: https://cashlesscatalyst.org/wp-admin/comment.php?action=spam&amp;c=12118#wpbody-content\r\nCurrently 179 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', '[Catalyst] Please moderate: \"The view from 10 months in..\"', 'Bad Request(invalid_grant)', 'private', 'closed', 'closed', '', 'catalyst-please-moderate-the-view-from-10-months-in-99', '', '', '2019-04-09 01:42:17', '2019-04-09 01:42:17', '', 0, 'https://cashlesscatalyst.org/postman_sent_mail/catalyst-please-moderate-the-view-from-10-months-in-99/', 0, 'postman_sent_mail', '', 0),
(41160, 0, '2019-04-09 03:40:20', '2019-04-09 03:40:20', 'A new comment on the post \"The view from 10 months in..\" is waiting for your approval\r\nhttps://cashlesscatalyst.org/view-10-months-in/\r\n\r\nAuthor: joannbx4 (IP: 185.220.101.6, 185.220.101.6)\r\nEmail: sm69@itsuki27.toptorrents.top\r\nURL: http://free.hard.porn.hotblognetwork.com\r\nComment: \r\nBrowse over 500 000 of the best porn galleries, daily updated collections\r\nhttp://safelesbiansex.instakink.com/?alexys \r\n\r\n 3gp porn torrent free porn indian vids free college porn thumbs boat porn stories free amateur wife homemade porn mpegs\r\n\r\nApprove it: https://cashlesscatalyst.org/wp-admin/comment.php?action=approve&amp;c=12119#wpbody-content\r\nTrash it: https://cashlesscatalyst.org/wp-admin/comment.php?action=trash&amp;c=12119#wpbody-content\r\nSpam it: https://cashlesscatalyst.org/wp-admin/comment.php?action=spam&amp;c=12119#wpbody-content\r\nCurrently 180 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', '[Catalyst] Please moderate: \"The view from 10 months in..\"', 'Bad Request(invalid_grant)', 'private', 'closed', 'closed', '', 'catalyst-please-moderate-the-view-from-10-months-in-102', '', '', '2019-04-09 03:40:20', '2019-04-09 03:40:20', '', 0, 'https://cashlesscatalyst.org/postman_sent_mail/catalyst-please-moderate-the-view-from-10-months-in-102/', 0, 'postman_sent_mail', '', 0),
(40537, 0, '2019-02-21 00:13:30', '2019-02-21 00:13:30', '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: KevinFit (IP: 46.246.25.86, 46.246.25.86)\r\nEmail: cmirno.vvpa.v.v@gmail.com\r\nURL: http://bestpornuha.com/\r\nComment: \r\nПриветствую тебя наперсник для страницах сайта Лучшая Порнуха [url=http://bestpornuha.com/]http://bestpornuha.com/[/url], где ты постоянно можешь насладиться горячими видео роликами ради взрослых. Наша первенство ежедневный добавляет новое порно видео в hd качестве, для ты мог с удовольствием подрочить на сексуальных девушек в самых извращённых позах. \r\n \r\nТогда мы собираем отборную порнуху и раскладываем ее по категориям чтобы удобного поиска и выбора, интересующего секс видео. Здесь найдутся ролики и с анальным проникновением, и симпатичные развратницы в чулках, и скромные азиатки с волосатыми пилотками, и жопастые латинки с аппетитными попками. В общем подобрать себе видео для приятного век препровождения не составит труда. \r\n \r\nВыключая выбора категории с качественным видео, дозволительно отфильтровать ролики по порно студиям, которых для сайте в избытке. Из самых популярных позволительно выделить Insubordinate America, Brazzers, RealityKings, Collaborate Skeet, Modern Sensations, Blacked, Vixen, 21Sextury, Nubiles, Passion-HD, Mofos, Babes, SexArt, X-Art, DDF Network, BangBros, 21Naturals, Wow Porn Girls, Jules Jordan, Digital Playground и некоторый другие. \r\n \r\nОднако это доступно тут круглосуточно для всех желающих все бесплатно. Каждое порно http://bestpornuha.com/negro/ дозволительно не единственно посмотреть в режиме онлайн, только и скачать для свое уклад, воеже радоваться просмотром без доступа в интернет.\r\n\r\nApprove it: https://cashlesscatalyst.org/wp-admin/comment.php?action=approve&amp;c=12043#wpbody-content\r\nTrash it: https://cashlesscatalyst.org/wp-admin/comment.php?action=trash&amp;c=12043#wpbody-content\r\nSpam it: https://cashlesscatalyst.org/wp-admin/comment.php?action=spam&amp;c=12043#wpbody-content\r\nCurrently 104 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', '[Catalyst] Please moderate: \"The view from 10 months in..\"', 'Bad Request(invalid_grant)', 'private', 'closed', 'closed', '', 'catalyst-please-moderate-the-view-from-10-months-in-125', '', '', '2019-02-21 00:13:30', '2019-02-21 00:13:30', '', 0, 'https://cashlesscatalyst.org/postman_sent_mail/catalyst-please-moderate-the-view-from-10-months-in-125/', 0, 'postman_sent_mail', '', 0),
(15326, 13, '2018-06-07 13:36:47', '2018-06-07 13:36:47', '', 'cat-01', '', 'inherit', 'closed', 'closed', '', 'cat-01', '', '', '2018-06-07 13:36:47', '2018-06-07 13:36:47', '', 15315, 'http://cashlesscatalyst.org/wp-content/uploads/2018/06/cat-01.jpg', 0, 'attachment', 'image/jpeg', 0);
INSERT INTO `in_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES
(25009, 12, '2018-08-03 14:53:19', '2018-08-03 14:53:19', '[vc_row equal_height=\"yes\" el_id=\"first-section\" inner_container=\"no\" type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" padding_bottom=\"0\" fixed_height=\"899px\" bg_image=\"10060\"][vc_column][vc_row_inner inner_container=\"yes\" min_height=\"899px\" bg_pos_h=\"center\" bg_pos_v=\"top\" css=\".vc_custom_1483077947446{background-image: url(https://cashlesscatalyst.org/wp-content/uploads/2015/11/triangle-banner1.png?id=7987) !important;background-position: 0 0 !important;background-repeat: no-repeat !important;}\" el_id=\"white-triangle\"][vc_column_inner el_class=\"pzindex\" offset=\"vc_col-lg-6 vc_col-md-8 vc_col-xs-12\"][kleo_gap size=\"120px\" visibility=\"visible-xs\"][kleo_gap size=\"160px\" visibility=\"visible-sm\"][kleo_gap size=\"200px\" visibility=\"visible-md,visible-lg\"][vc_custom_heading text=\"ABOUT US\" font_container=\"tag:h1|font_size:36px|text_align:left|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text font_size=\"16px\" vertical_separator=\"yes\" letter_spacing=\"\" letter-spacing=\"75\"]Catalyst is an initiative funded by United States Agency for International Development (USAID) under the mSTAR Program to increase adoption of digital payments in India, using a targeted ecosystem approach.\r\n\r\nOur vision is to realize an inclusive digital economy that meets the needs of all Indians.[/vc_column_text][/vc_column_inner][vc_column_inner offset=\"vc_col-lg-3\"][/vc_column_inner][vc_column_inner offset=\"vc_col-lg-4 vc_col-md-4 vc_col-xs-12\"][kleo_gap size=\"290px\" visibility=\"visible-xs,visible-sm\"][kleo_gap size=\"634px\" visibility=\"visible-md,visible-lg\"][vc_single_image image=\"7820\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"navigating-unchartered-waters\" type=\"image\" bg_color=\"#ffffff\" bg_repeat=\"repeat\" padding_top=\"\" padding_bottom=\"\"][vc_column][kleo_magic_container position=\"absolute\" top=\"0px\" left=\"50%\" min_height=\"521px\" width=\"2560px\" css=\".vc_custom_1486370275881{margin-left: -1145px !important;background-image: url(https://cashlesscatalyst.org/wp-content/uploads/2015/11/home-banner-triangle.png?id=7813) !important;background-position: 0 0 !important;background-repeat: no-repeat !important;}\"][/kleo_magic_container][vc_row_inner equal_height=\"yes\" css=\".vc_custom_1486361953253{margin-bottom: 20px !important;padding-top: 5% !important;padding-right: 5% !important;padding-left: 5% !important;background-color: #ffffff !important;}\"][vc_column_inner css=\".vc_custom_1486361714089{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"THE CONTEXT: NAVIGATING UNCHARTERED WATERS\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487929448061{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">India is just starting its digital payments journey. Currently, its performance trails other BRIC nations -- Brazil, Russia, and China. In 2014, just over 50 percent of Indian adults held an account with a financial institution compared with nearly 70 percent of adults in other BRIC economies.</p>\r\n[/vc_column_text][vc_empty_space height=\"20px\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text font_size=\"17px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1488780203409{padding-right: 5.5% !important;padding-left: 5.5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong>Digitization of person to merchant expenditure</strong></p>\r\n[/vc_column_text][vc_single_image image=\"12347\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1520528382671{margin-bottom: 10px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text font_size=\"17px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1488780103405{padding-right: 2.5% !important;padding-left: 2.5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong>Digitization of small retailer to supplier payments</strong></p>\r\n[/vc_column_text][vc_single_image image=\"8955\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1487930203111{margin-bottom: 10px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text font_size=\"17px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1487930070492{padding-right: 2.5% !important;padding-left: 2.5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong>Penetration of merchant digital payment acceptance</strong></p>\r\n[/vc_column_text][vc_single_image image=\"12591\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1521196337938{margin-bottom: 10px !important;}\"][/vc_column_inner][vc_column_inner][vc_column_text text_color=\"#1e73be\" font_size=\"14px\" letter_spacing=\"\"]\r\n<p style=\"text-align: right;\"><a style=\"color: #2b45d6;\" href=\"http://www.visa.co.in/aboutvisa/research/include/Digital_Payments_India.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Source</a></p>\r\n[/vc_column_text][kleo_gap size=\"40px\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<span style=\"color: #d11e3c;\"><a style=\"color: #d11e3c;\" href=\"https://www.globalinnovationexchange.org/beyond-cash\" target=\"_blank\" rel=\"noopener noreferrer\">Our own survey research</a></span> shows that 97 percent of retail transactions are conducted in cash or check; only 6 percent of merchants accept digital payments; and just over 10 percent consumers have used a debit card for payments in the last year in India.[/vc_column_text][vc_column_text font_size=\"16px\" letter_spacing=\"\"]However, Indians are now better financially and digitally connected than ever before. This reflects in the growth in Jan Dhan bank accounts for the poor, Aadhaar registrations which provide easy biometric authentication to access services and make transactions, mobile phone accounts, and Internet connectivity. In addition, several fiscal incentives and technology initiatives have been targeted at making India a less cash economy.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"12350\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1520528991452{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Jan Dhan bank accounts</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"9353\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1487932224593{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Aadhaar accounts</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"12352\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1520529246131{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Phone accounts</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"9356\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1487932239744{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Indians with Internet access</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"square-bullet-red\"]<strong>Nevertheless, the digital payments last mile remains fragmented due to several factors: </strong>\r\n<ul>\r\n 	<li><span style=\"color: #373a3a;\">There are far too few digital payment acceptance points for consumer comfort</span></li>\r\n 	<li><span style=\"color: #373a3a;\">From the merchants’ perspective, there is insufficient demand from consumers</span></li>\r\n 	<li><span style=\"color: #373a3a;\">Synergies across service providers (payment infrastructure companies, banks, fintech innovators) are under-tapped in the absence of market facilitation mechanisms</span></li>\r\n 	<li><span style=\"color: #373a3a;\">Regulation lags behind innovation; this imbalance prevents a degree of customer protection needed for the functioning of a healthy market</span></li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row padding_bottom=\"0\"][vc_column][rev_slider_vc alias=\"keyinsights\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"color\" bg_color=\"#ffffff\" padding_bottom=\"0\"][vc_column][vc_empty_space height=\"30px\"][vc_row_inner equal_height=\"yes\"][vc_column_inner][vc_custom_heading text=\"CATALYST IS UNIQUELY POSITIONED TO PUSH THE NEEDLE\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Catalyst has three distinct engines of activity, coordinated in a manner in which we hope their sum will be greater than its parts. Our Digital Payments Lab involves implementing a set of coordinated initiatives in a local geographical ecosystem to shift consumer, merchant and supplier behavior from cash to digital payment transactions.</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner el_class=\"pup-container phide\" width=\"1/2\" css=\".vc_custom_1489065592080{padding-right: 5% !important;}\"][vc_custom_heading text=\"Phase 1\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23d11e3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<span style=\"color: #373a3a;\">Build digital payment labs in urban and rural geographies to test and to demonstrate workable cash-light systems for consumers, merchants and suppliers, targeting a 10x boost in payment digitization rates.</span>[/vc_column_text][/vc_column_inner][vc_column_inner el_class=\"pup-container phide\" width=\"1/2\" css=\".vc_custom_1489065582551{padding-right: 5% !important;}\"][vc_custom_heading text=\"Phase 2\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23d11e3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<span style=\"color: #373a3a;\">Institutionalize and scale successful initiatives in close partnership with public and private sector stakeholders, thus crystallizing replicable models for implementation.</span>[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1505396058573{margin-top: 30px !important;}\"][vc_column_inner][vc_single_image image=\"10959\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" el_class=\"phide\"][rev_slider_vc alias=\"about-dpl\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"100px\"][/vc_column][/vc_row][vc_row content_placement=\"middle\" el_id=\"ecosystem-approach\" type=\"image\" bg_color=\"#eeeeee\" visibility=\"hidden-xs,hidden-sm,hidden-md,hidden-lg,hidden-xlg,visible-xs,visible-sm,visible-md,visible-lg,visible-xlg\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner css=\".vc_custom_1505371881613{margin-bottom: 30px !important;}\"][vc_custom_heading text=\"CRACKING THE PAYMENTS JUGGERNAUT\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/3\"][vc_row_inner][vc_column_inner][vc_single_image image=\"11354\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1505369933736{margin-top: 35px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"2/3\"][vc_row_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/12\"][vc_custom_heading text=\"Define\" font_container=\"tag:h6|font_size:24px|text_align:left|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487943064167{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" css=\".vc_custom_1505370234140{margin-top: 0px !important;}\"]\r\n<p style=\"text-align: justify;\">Distinct economic geographies (cities, rural clusters or small towns) where local networks of merchants, consumers, distributors financial services providers, and governments transact with each other</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/12\"][vc_custom_heading text=\"Test\" font_container=\"tag:h6|font_size:24px|text_align:left|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487943105830{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" css=\".vc_custom_1505370286653{margin-top: 0px !important;}\"]\r\n<p style=\"text-align: justify;\">Technology and business models by rolling out initiatives and experiments that combine technologies, business models and institutional innovations to drive large-scale digital payments penetration</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/12\"][vc_custom_heading text=\"Support\" font_container=\"tag:h6|font_size:24px|text_align:left|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488553545187{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" css=\".vc_custom_1505370347290{margin-top: 0px !important;}\"]\r\n<p style=\"text-align: justify;\">Policies and regulations that enable digital payments through analyses and recommendations based on success on the ground</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/12\"][vc_custom_heading text=\"Scale\" font_container=\"tag:h6|font_size:24px|text_align:left|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487943122423{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" css=\".vc_custom_1505370397781{margin-top: 0px !important;}\"]\r\n<p style=\"text-align: justify;\">Successful digital payment initiatives across the country by leveraging strategic partnerships and government programs to inform and institutionalize</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row inner_container=\"no\"][vc_column][vc_row_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"10/12\"][vc_custom_heading text=\"OUR ROLE - BOTH THAT OF A SPEEDBOAT AND TUGBOAT\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488952925715{margin-top: 20px !important;margin-bottom: 50px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"1/6\" css=\".vc_custom_1489062234491{margin-right: 0px !important;margin-left: 0px !important;padding-right: .5% !important;padding-left: .5% !important;}\"][vc_single_image image=\"9906\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489061316397{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/6\" css=\".vc_custom_1489062247167{margin-right: 0px !important;margin-left: 0px !important;padding-right: .5% !important;padding-left: .5% !important;}\"][vc_single_image image=\"9907\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489061425616{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/6\" css=\".vc_custom_1489062292531{margin-right: 0px !important;margin-left: 0px !important;padding-right: .5% !important;padding-left: .5% !important;}\"][vc_single_image image=\"9908\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489061455908{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/6\" css=\".vc_custom_1489062271812{margin-right: 0px !important;margin-left: 0px !important;padding-right: .5% !important;padding-left: .5% !important;}\"][vc_single_image image=\"9948\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489123606295{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/6\" css=\".vc_custom_1489062283868{margin-right: 0px !important;margin-left: 0px !important;padding-right: .5% !important;padding-left: .5% !important;}\"][vc_single_image image=\"9910\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489061592414{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row full_height=\"yes\" content_placement=\"middle\" type=\"image\" bg_position_horizontal=\"center\" bg_repeat=\"repeat-y\" bg_attachment=\"true\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"70\" padding_bottom=\"0\" margin_top=\"40\" margin_bottom=\"0\" bg_image=\"10061\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#ffffff\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"][timeline-express][/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row][vc_column][vc_custom_heading text=\"OUR ECOSYSTEM APPROACH TO DRIVE DIGITAL PENETRATION\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1533298139864{margin-top: 20px !important;margin-bottom: 50px !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"9978\" img_size=\"full\" alignment=\"center\"][vc_empty_space height=\"40px\"][vc_column_text letter_spacing=\"\"]\r\n<p style=\"text-align: center;\"><span class=\"learn-more\"><a style=\"text-decoration: none;\" href=\"https://cashlesscatalyst.org/about/#ecosystem-approach\">Learn More <i class=\"fa fa-angle-right\"></i></a></span></p>\r\n[/vc_column_text][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"9937\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549447618452{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">[footer_copy]</p>\r\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\r\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'About-New', '', 'publish', 'closed', 'closed', '', 'about-new', '', '', '2019-02-06 10:12:02', '2019-02-06 10:12:02', '', 0, 'http://cashlesscatalyst.org/?page_id=25009', 0, 'page', '', 0),
(40393, 23, '2019-02-06 10:07:06', '2019-02-06 10:07:06', '[vc_row equal_height=\"yes\" el_id=\"first-section\" inner_container=\"no\" type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" padding_bottom=\"0\" fixed_height=\"899px\" bg_image=\"10060\"][vc_column][vc_row_inner inner_container=\"yes\" min_height=\"899px\" bg_pos_h=\"center\" bg_pos_v=\"top\" css=\".vc_custom_1483077947446{background-image: url(https://cashlesscatalyst.org/wp-content/uploads/2015/11/triangle-banner1.png?id=7987) !important;background-position: 0 0 !important;background-repeat: no-repeat !important;}\" el_id=\"white-triangle\"][vc_column_inner el_class=\"pzindex\" offset=\"vc_col-lg-6 vc_col-md-8 vc_col-xs-12\"][kleo_gap size=\"120px\" visibility=\"visible-xs\"][kleo_gap size=\"160px\" visibility=\"visible-sm\"][kleo_gap size=\"200px\" visibility=\"visible-md,visible-lg\"][vc_custom_heading text=\"ABOUT US\" font_container=\"tag:h1|font_size:36px|text_align:left|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text font_size=\"16px\" vertical_separator=\"yes\" letter_spacing=\"\" letter-spacing=\"75\"]Catalyst is an initiative funded by United States Agency for International Development (USAID) under the mSTAR Program to increase adoption of digital payments in India, using a targeted ecosystem approach.\r\n\r\nOur vision is to realize an inclusive digital economy that meets the needs of all Indians.[/vc_column_text][/vc_column_inner][vc_column_inner offset=\"vc_col-lg-3\"][/vc_column_inner][vc_column_inner offset=\"vc_col-lg-4 vc_col-md-4 vc_col-xs-12\"][kleo_gap size=\"290px\" visibility=\"visible-xs,visible-sm\"][kleo_gap size=\"634px\" visibility=\"visible-md,visible-lg\"][vc_single_image image=\"7820\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"navigating-unchartered-waters\" type=\"image\" bg_color=\"#ffffff\" bg_repeat=\"repeat\" padding_top=\"\" padding_bottom=\"\"][vc_column][kleo_magic_container position=\"absolute\" top=\"0px\" left=\"50%\" min_height=\"521px\" width=\"2560px\" css=\".vc_custom_1486370275881{margin-left: -1145px !important;background-image: url(https://cashlesscatalyst.org/wp-content/uploads/2015/11/home-banner-triangle.png?id=7813) !important;background-position: 0 0 !important;background-repeat: no-repeat !important;}\"][/kleo_magic_container][vc_row_inner equal_height=\"yes\" css=\".vc_custom_1486361953253{margin-bottom: 20px !important;padding-top: 5% !important;padding-right: 5% !important;padding-left: 5% !important;background-color: #ffffff !important;}\"][vc_column_inner css=\".vc_custom_1486361714089{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"THE CONTEXT: NAVIGATING UNCHARTERED WATERS\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487929448061{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">India is just starting its digital payments journey. Currently, its performance trails other BRIC nations -- Brazil, Russia, and China. In 2014, just over 50 percent of Indian adults held an account with a financial institution compared with nearly 70 percent of adults in other BRIC economies.</p>\r\n[/vc_column_text][vc_empty_space height=\"20px\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text font_size=\"17px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1488780203409{padding-right: 5.5% !important;padding-left: 5.5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong>Digitization of person to merchant expenditure</strong></p>\r\n[/vc_column_text][vc_single_image image=\"12347\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1520528382671{margin-bottom: 10px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text font_size=\"17px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1488780103405{padding-right: 2.5% !important;padding-left: 2.5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong>Digitization of small retailer to supplier payments</strong></p>\r\n[/vc_column_text][vc_single_image image=\"8955\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1487930203111{margin-bottom: 10px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text font_size=\"17px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1487930070492{padding-right: 2.5% !important;padding-left: 2.5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong>Penetration of merchant digital payment acceptance</strong></p>\r\n[/vc_column_text][vc_single_image image=\"12591\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1521196337938{margin-bottom: 10px !important;}\"][/vc_column_inner][vc_column_inner][vc_column_text text_color=\"#1e73be\" font_size=\"14px\" letter_spacing=\"\"]\r\n<p style=\"text-align: right;\"><a style=\"color: #2b45d6;\" href=\"http://www.visa.co.in/aboutvisa/research/include/Digital_Payments_India.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Source</a></p>\r\n[/vc_column_text][kleo_gap size=\"40px\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<span style=\"color: #d11e3c;\"><a style=\"color: #d11e3c;\" href=\"https://www.globalinnovationexchange.org/beyond-cash\" target=\"_blank\" rel=\"noopener noreferrer\">Our own survey research</a></span> shows that 97 percent of retail transactions are conducted in cash or check; only 6 percent of merchants accept digital payments; and just over 10 percent consumers have used a debit card for payments in the last year in India.[/vc_column_text][vc_column_text font_size=\"16px\" letter_spacing=\"\"]However, Indians are now better financially and digitally connected than ever before. This reflects in the growth in Jan Dhan bank accounts for the poor, Aadhaar registrations which provide easy biometric authentication to access services and make transactions, mobile phone accounts, and Internet connectivity. In addition, several fiscal incentives and technology initiatives have been targeted at making India a less cash economy.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"12350\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1520528991452{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Jan Dhan bank accounts</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"9353\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1487932224593{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Aadhaar accounts</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"12352\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1520529246131{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Phone accounts</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"9356\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1487932239744{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Indians with Internet access</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"square-bullet-red\"]<strong>Nevertheless, the digital payments last mile remains fragmented due to several factors: </strong>\r\n<ul>\r\n 	<li><span style=\"color: #373a3a;\">There are far too few digital payment acceptance points for consumer comfort</span></li>\r\n 	<li><span style=\"color: #373a3a;\">From the merchants’ perspective, there is insufficient demand from consumers</span></li>\r\n 	<li><span style=\"color: #373a3a;\">Synergies across service providers (payment infrastructure companies, banks, fintech innovators) are under-tapped in the absence of market facilitation mechanisms</span></li>\r\n 	<li><span style=\"color: #373a3a;\">Regulation lags behind innovation; this imbalance prevents a degree of customer protection needed for the functioning of a healthy market</span></li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row padding_bottom=\"0\"][vc_column][rev_slider_vc alias=\"keyinsights\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"color\" bg_color=\"#ffffff\" padding_bottom=\"0\"][vc_column][vc_empty_space height=\"30px\"][vc_row_inner equal_height=\"yes\"][vc_column_inner][vc_custom_heading text=\"CATALYST IS UNIQUELY POSITIONED TO PUSH THE NEEDLE\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Catalyst has three distinct engines of activity, coordinated in a manner in which we hope their sum will be greater than its parts. Our Digital Payments Lab involves implementing a set of coordinated initiatives in a local geographical ecosystem to shift consumer, merchant and supplier behavior from cash to digital payment transactions.</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner el_class=\"pup-container phide\" width=\"1/2\" css=\".vc_custom_1489065592080{padding-right: 5% !important;}\"][vc_custom_heading text=\"Phase 1\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23d11e3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<span style=\"color: #373a3a;\">Build digital payment labs in urban and rural geographies to test and to demonstrate workable cash-light systems for consumers, merchants and suppliers, targeting a 10x boost in payment digitization rates.</span>[/vc_column_text][/vc_column_inner][vc_column_inner el_class=\"pup-container phide\" width=\"1/2\" css=\".vc_custom_1489065582551{padding-right: 5% !important;}\"][vc_custom_heading text=\"Phase 2\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23d11e3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<span style=\"color: #373a3a;\">Institutionalize and scale successful initiatives in close partnership with public and private sector stakeholders, thus crystallizing replicable models for implementation.</span>[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1505396058573{margin-top: 30px !important;}\"][vc_column_inner][vc_single_image image=\"10959\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" el_class=\"phide\"][rev_slider_vc alias=\"about-dpl\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"100px\"][/vc_column][/vc_row][vc_row content_placement=\"middle\" el_id=\"ecosystem-approach\" type=\"image\" bg_color=\"#eeeeee\" visibility=\"hidden-xs,hidden-sm,hidden-md,hidden-lg,hidden-xlg,visible-xs,visible-sm,visible-md,visible-lg,visible-xlg\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner css=\".vc_custom_1505371881613{margin-bottom: 30px !important;}\"][vc_custom_heading text=\"CRACKING THE PAYMENTS JUGGERNAUT\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/3\"][vc_row_inner][vc_column_inner][vc_single_image image=\"11354\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1505369933736{margin-top: 35px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"2/3\"][vc_row_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/12\"][vc_custom_heading text=\"Define\" font_container=\"tag:h6|font_size:24px|text_align:left|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487943064167{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" css=\".vc_custom_1505370234140{margin-top: 0px !important;}\"]\r\n<p style=\"text-align: justify;\">Distinct economic geographies (cities, rural clusters or small towns) where local networks of merchants, consumers, distributors financial services providers, and governments transact with each other</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/12\"][vc_custom_heading text=\"Test\" font_container=\"tag:h6|font_size:24px|text_align:left|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487943105830{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" css=\".vc_custom_1505370286653{margin-top: 0px !important;}\"]\r\n<p style=\"text-align: justify;\">Technology and business models by rolling out initiatives and experiments that combine technologies, business models and institutional innovations to drive large-scale digital payments penetration</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/12\"][vc_custom_heading text=\"Support\" font_container=\"tag:h6|font_size:24px|text_align:left|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488553545187{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" css=\".vc_custom_1505370347290{margin-top: 0px !important;}\"]\r\n<p style=\"text-align: justify;\">Policies and regulations that enable digital payments through analyses and recommendations based on success on the ground</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/12\"][vc_custom_heading text=\"Scale\" font_container=\"tag:h6|font_size:24px|text_align:left|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487943122423{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" css=\".vc_custom_1505370397781{margin-top: 0px !important;}\"]\r\n<p style=\"text-align: justify;\">Successful digital payment initiatives across the country by leveraging strategic partnerships and government programs to inform and institutionalize</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row inner_container=\"no\"][vc_column][vc_row_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"10/12\"][vc_custom_heading text=\"OUR ROLE - BOTH THAT OF A SPEEDBOAT AND TUGBOAT\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488952925715{margin-top: 20px !important;margin-bottom: 50px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"1/6\" css=\".vc_custom_1489062234491{margin-right: 0px !important;margin-left: 0px !important;padding-right: .5% !important;padding-left: .5% !important;}\"][vc_single_image image=\"9906\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489061316397{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/6\" css=\".vc_custom_1489062247167{margin-right: 0px !important;margin-left: 0px !important;padding-right: .5% !important;padding-left: .5% !important;}\"][vc_single_image image=\"9907\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489061425616{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/6\" css=\".vc_custom_1489062292531{margin-right: 0px !important;margin-left: 0px !important;padding-right: .5% !important;padding-left: .5% !important;}\"][vc_single_image image=\"9908\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489061455908{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/6\" css=\".vc_custom_1489062271812{margin-right: 0px !important;margin-left: 0px !important;padding-right: .5% !important;padding-left: .5% !important;}\"][vc_single_image image=\"9948\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489123606295{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/6\" css=\".vc_custom_1489062283868{margin-right: 0px !important;margin-left: 0px !important;padding-right: .5% !important;padding-left: .5% !important;}\"][vc_single_image image=\"9910\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489061592414{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row full_height=\"yes\" content_placement=\"middle\" type=\"image\" bg_position_horizontal=\"center\" bg_repeat=\"repeat-y\" bg_attachment=\"true\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"70\" padding_bottom=\"0\" margin_top=\"40\" margin_bottom=\"0\" bg_image=\"10061\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#ffffff\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"][timeline-express][/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row][vc_column][vc_custom_heading text=\"OUR ECOSYSTEM APPROACH TO DRIVE DIGITAL PENETRATION\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1533298139864{margin-top: 20px !important;margin-bottom: 50px !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"9978\" img_size=\"full\" alignment=\"center\"][vc_empty_space height=\"40px\"][vc_column_text letter_spacing=\"\"]\r\n<p style=\"text-align: center;\"><span class=\"learn-more\"><a style=\"text-decoration: none;\" href=\"https://cashlesscatalyst.org/about/#ecosystem-approach\">Learn More <i class=\"fa fa-angle-right\"></i></a></span></p>\r\n[/vc_column_text][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"9937\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549447618452{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">[footer_copy]</p>\r\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\r\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'About-New', '', 'inherit', 'closed', 'closed', '', '25009-revision-v1', '', '', '2019-02-06 10:07:06', '2019-02-06 10:07:06', '', 25009, 'https://cashlesscatalyst.org/media/25009-revision-v1/', 0, 'revision', '', 0),
(14651, 13, '2018-05-29 05:50:44', '2018-05-29 05:50:44', '', 'India lags in digital payments adoption, races ahead on innovation: VCCircle Summit', '', 'publish', 'closed', 'open', '', 'india-lags-digital-payments-adoption-races-ahead-innovation-vccircle-summit', '', '', '2018-05-29 06:06:31', '2018-05-29 06:06:31', '', 0, 'http://cashlesscatalyst.org/?p=14651', 15, 'post', '', 0),
(14653, 13, '2018-05-29 05:52:31', '2018-05-29 05:52:31', '', 'vccircle-summit', '', 'inherit', 'closed', 'closed', '', 'vccircle-summit', '', '', '2018-05-29 05:52:31', '2018-05-29 05:52:31', '', 14651, 'http://cashlesscatalyst.org/wp-content/uploads/2018/05/vccircle-summit.jpg', 0, 'attachment', 'image/jpeg', 0),
(14656, 13, '2018-05-29 06:05:49', '2018-05-29 06:05:49', '', 'vccircle-summit', '', 'inherit', 'closed', 'closed', '', 'vccircle-summit-2', '', '', '2018-05-29 06:05:49', '2018-05-29 06:05:49', '', 14651, 'http://cashlesscatalyst.org/wp-content/uploads/2018/05/vccircle-summit-1.jpg', 0, 'attachment', 'image/jpeg', 0),
(24279, 13, '2018-07-11 13:17:15', '2018-07-11 13:17:15', '', 'bnner', '', 'inherit', 'closed', 'closed', '', 'bnner-3', '', '', '2018-07-11 13:17:15', '2018-07-11 13:17:15', '', 24269, 'http://cashlesscatalyst.org/wp-content/uploads/2018/07/bnner-1.jpg', 0, 'attachment', 'image/jpeg', 0),
(14991, 13, '2018-06-04 07:31:10', '2018-06-04 07:31:10', '', 'Incubator-Infograph', '', 'inherit', 'closed', 'closed', '', 'incubator-infograph', '', '', '2018-06-04 07:31:10', '2018-06-04 07:31:10', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/06/Incubator-Infograph.pdf', 0, 'attachment', 'application/pdf', 0),
(14387, 13, '2018-05-24 09:25:40', '2018-05-24 09:25:40', '', 'price_report-web', '', 'inherit', 'closed', 'closed', '', 'price_report-web', '', '', '2018-05-24 09:25:40', '2018-05-24 09:25:40', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/05/price_report-web.pdf', 0, 'attachment', 'application/pdf', 0),
(14395, 13, '2018-05-24 09:37:44', '2018-05-24 09:37:44', '', 'mapping-the-merchant-mind', '', 'inherit', 'closed', 'closed', '', 'mapping-the-merchant-mind', '', '', '2018-05-24 09:45:08', '2018-05-24 09:45:08', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/05/mapping-the-merchant-mind.jpg', 0, 'attachment', 'image/jpeg', 0),
(22810, 13, '2018-07-03 13:50:03', '2018-07-03 13:50:03', '', 'BHIM-Learning-Note', '', 'inherit', 'closed', 'closed', '', 'bhim-learning-note', '', '', '2018-07-03 13:50:03', '2018-07-03 13:50:03', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/07/BHIM-Learning-Note.pdf', 0, 'attachment', 'application/pdf', 0),
(14728, 13, '2018-05-31 13:18:22', '2018-05-31 13:18:22', '', 'PN_Founder_Anand', '', 'inherit', 'closed', 'closed', '', 'pn_founder_anand', '', '', '2018-05-31 13:18:22', '2018-05-31 13:18:22', '', 14725, 'http://cashlesscatalyst.org/wp-content/uploads/2018/05/PN_Founder_Anand.png', 0, 'attachment', 'image/png', 0),
(14729, 13, '2018-05-31 13:20:16', '2018-05-31 13:20:16', '', 'bnner', '', 'inherit', 'closed', 'closed', '', 'bnner', '', '', '2018-05-31 13:20:16', '2018-05-31 13:20:16', '', 14725, 'http://cashlesscatalyst.org/wp-content/uploads/2018/05/bnner.jpg', 0, 'attachment', 'image/jpeg', 0),
(25442, 12, '2018-08-21 11:47:33', '2018-08-21 11:47:33', '', 'F10-agenda', '', 'inherit', 'closed', 'closed', '', 'f10-agenda', '', '', '2018-08-21 11:47:33', '2018-08-21 11:47:33', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/08/F10-agenda.pdf', 0, 'attachment', 'application/pdf', 0),
(25216, 12, '2018-08-13 06:45:19', '2018-08-13 06:45:19', '', 'digitalpayment', '', 'inherit', 'closed', 'closed', '', 'digitalpayment', '', '', '2018-08-13 06:45:19', '2018-08-13 06:45:19', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/08/digitalpayment.jpg', 0, 'attachment', 'image/jpeg', 0);
INSERT INTO `in_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES
(24300, 13, '2018-07-11 13:49:57', '2018-07-11 13:49:57', '', 'hiigh-costs', '', 'inherit', 'closed', 'closed', '', 'hiigh-costs', '', '', '2018-07-11 13:49:57', '2018-07-11 13:49:57', '', 24294, 'http://cashlesscatalyst.org/wp-content/uploads/2018/07/hiigh-costs.png', 0, 'attachment', 'image/png', 0),
(24295, 13, '2018-07-11 13:44:44', '2018-07-11 13:44:44', '', 'bnner', '', 'inherit', 'closed', 'closed', '', 'bnner-4', '', '', '2018-07-11 13:44:44', '2018-07-11 13:44:44', '', 24294, 'http://cashlesscatalyst.org/wp-content/uploads/2018/07/bnner-2.jpg', 0, 'attachment', 'image/jpeg', 0),
(24296, 13, '2018-07-11 13:48:11', '2018-07-11 13:48:11', '', 'financing', '', 'inherit', 'closed', 'closed', '', 'financing', '', '', '2018-07-11 13:48:11', '2018-07-11 13:48:11', '', 24294, 'http://cashlesscatalyst.org/wp-content/uploads/2018/07/financing.png', 0, 'attachment', 'image/png', 0),
(24297, 13, '2018-07-11 13:48:29', '2018-07-11 13:48:29', '', 'inner-banner', '', 'inherit', 'closed', 'closed', '', 'inner-banner-2', '', '', '2018-07-11 13:48:29', '2018-07-11 13:48:29', '', 24294, 'http://cashlesscatalyst.org/wp-content/uploads/2018/07/inner-banner-1.jpg', 0, 'attachment', 'image/jpeg', 0),
(24692, 12, '2018-07-16 14:51:59', '2018-07-16 14:51:59', '', 'ICE360Logo', '', 'inherit', 'closed', 'closed', '', 'ice360logo', '', '', '2018-07-16 14:51:59', '2018-07-16 14:51:59', '', 24681, 'http://cashlesscatalyst.org/wp-content/uploads/2018/07/ICE360Logo.jpg', 0, 'attachment', 'image/jpeg', 0),
(14805, 13, '2018-06-01 10:37:11', '2018-06-01 10:37:11', '', 'fingpay', '', 'inherit', 'closed', 'closed', '', 'fingpay-3', '', '', '2018-06-01 10:37:11', '2018-06-01 10:37:11', '', 12173, 'http://cashlesscatalyst.org/wp-content/uploads/2018/02/fingpay.jpg', 0, 'attachment', 'image/jpeg', 0),
(14811, 13, '2018-06-01 11:26:09', '2018-06-01 11:26:09', '', 'paynearby', '', 'inherit', 'closed', 'closed', '', 'paynearby-2', '', '', '2018-06-01 11:26:09', '2018-06-01 11:26:09', '', 12173, 'http://cashlesscatalyst.org/wp-content/uploads/2018/02/paynearby.jpg', 0, 'attachment', 'image/jpeg', 0),
(14469, 13, '2018-05-25 05:49:48', '2018-05-25 05:49:48', '', 'video', '', 'inherit', 'closed', 'closed', '', 'video-3', '', '', '2018-05-25 05:50:36', '2018-05-25 05:50:36', '', 14466, 'http://cashlesscatalyst.org/wp-content/uploads/2018/05/video.jpg', 0, 'attachment', 'image/jpeg', 0);
INSERT INTO `in_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES
(15087, 13, '2018-06-05 08:20:04', '2018-06-05 08:20:04', '[vc_row type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/6\"][vc_custom_heading text=\"MEET THE TEAM\" 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\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<p style=\"text-align: center;\">We are a lean, entrepreneurial and motivated team of thinkers and doers.</p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#ffffff\" enable_parallax=\"false\" parallax_speed=\"0.4\" bg_image=\"7841\"][vc_column][vc_row_inner equal_height=\"yes\" el_class=\"pmember-container\" css=\".vc_custom_1529596111505{margin-top: 40px !important;margin-bottom: 40px !important;}\"][vc_column_inner el_class=\"pteam-inner-container\" width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1518614010448{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"sharon\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2016/12/Sharon.png\" alt=\"Sharon\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"sharon\"> SHARON BUTEAU </a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"DIRECTOR\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1518614043137{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\">Sharon has over 15 years of experience in the field of research and international development. As the Executive Director of IFMR LEAD, Sharon leads the strategic direction of the organization and provides oversight to research, policy and capacity building engagements.</p>\r\n\r\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\r\n<p class=\"pteam-social-link phide\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/sudhir181279?trk=nav_responsive_tab_profile\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner el_class=\"pteam-inner-container\" width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1486996932974{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"badal-malick\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2016/12/01.png\" alt=\"badal malick\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"badal-malick\"> BADAL MALICK </a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"PRINCIPAL INNOVATION OFFICER\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1517295221489{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\">Trained in physics and economics, Badal loves to tinker with big ideas. He is passionate about disruptive innovation and large-scale change, which is reflected in his professional trajectory.</p>\r\n\r\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\r\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://in.linkedin.com/in/badalmalick\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner el_class=\"pteam-inner-container\" width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529590589472{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"jayshree\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2018/06/Jayshree.png\" alt=\"Jayshree Venkatesan\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"jayshree\">JAYSHREE VENKATESAN</a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"LEAD, CUSTOMER CENTRICITY\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529585990865{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\">Jayshree is an experienced professional with a demonstrated history of working in the international development finance industry.</p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner el_class=\"pteam-inner-container\" width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529586207341{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"varinder\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2018/06/varinder.png\" alt=\"Varinder Kaur\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"varinder\">VARINDER KAUR</a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"LEAD, SOCIAL & BEHAVIORAL INSIGHTS\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529586254597{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\">Varinder has over 14 years of experience in brand strategy and social issues across India and UK.</p>\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" el_class=\"pmember-container\"][vc_column_inner el_class=\"pteam-inner-container\" width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1518586346804{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"preethi-rao\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2017/02/Preeti-Rao.png\" alt=\"Preeti-Rao\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"preethi-rao\"> PREETHI RAO </a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"LEAD, LAB PROJECTS\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529595576084{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\">Preethi holds a Master’s in Business Administration (MBA) from IFMR Business School, with a focus on finance and marketing. In her free time, Preethi likes to write poetry, read fiction and watch movies.</p>\r\n\r\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\r\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/preethi22/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner el_class=\"pteam-inner-container\" width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529586736076{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"john-arun\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2018/06/john.png\" alt=\"John Arun\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"john-arun\"> JOHN VICTOR ARUN KUMAR </a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"LEAD, INCUBATOR PROJECTS\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529586694470{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\">John manages the accelerator’s operations at Catalyst and also oversees the organization’s MSME and Entrepreneurship research.</p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner el_class=\"pteam-inner-container\" width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1518612943485{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"mandar\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2016/12/Mandar.png\" alt=\"mandar\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"mandar\"> MANDAR KAGADE </a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"LEAD, POLICY\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529587013594{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\">A policy wonk and a lawyer (in that order), Mandar Kagade is focussed on development of regulatory policy in connection with the payments ecosystem. He is passionate about exploring intersections of finance and policy.</p>\r\n\r\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\r\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/mandar-kagade-4a171333/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner el_class=\"pteam-inner-container\" width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1487055436382{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"vaisnavi\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2017/01/Vaisnavi-Gnanasekaran.png\" alt=\"VAISNAVI GNANASEKARAN\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"vaisnavi\"> VAISNAVI G </a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"MONITORING &amp; EVALUATION SPECIALIST\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485770270198{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\">Passionate about designing solutions that address the needs of the underserved sections of society, Vaisnavi’s journey in the development sector started through volunteer opportunities.</p>\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"]\r\n<div id=\"sharon\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">SHARON BUTEAU</h2>\r\n<h3 class=\"pteam-member-position\">DIRECTOR</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sharon\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nSharon has extensive experience in building important partnerships between academia, donor agencies, policymakers and practitioners to promote evidence-based policy making and practice at scale. She has hands-on experience in research and analytics, and is a Principal Investigator on several IFMR LEAD studies as well. Prior to joining IFMR LEAD, Sharon was an Economist with the Analysis Group in Montreal, Canada.\r\n\r\nSharon holds a Master’s Degree in Social Research Methods from the London School of Economics &amp; Political Science, and a Master’s Degree in Economics from the Université du Québec à Montréal.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"jayshree\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">JAYSHREE VENKATESAN</h2>\r\n<h3 class=\"pteam-member-position\">LEAD, CUSTOMER CENTRICITY</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sharon\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nPreviously, she has worked with CGAP and Accion on customer centric business models for low-income segments. As the CEO of IFMR Mezzanine Finance, Jayshree managed an investment portfolio of USD 2 million with zero default. A graduate from MDI Gurgaon, Jayshree is a Chevening Fellow from King\'s College, London.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"varinder\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">VARINDER KAUR</h2>\r\n<h3 class=\"pteam-member-position\">LEAD, SOCIAL &amp; BEHAVIORAL INSIGHTS</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sharon\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nPreviously, she has worked with BBC Media Action in India to lead their research on an HIV/AIDS project funded by the Bill and Melinda Gates Foundation. Varinder also has significant experience in strategy design and impact evaluations of corporate social responsibility projects, with organizations such as Unilever, Marico and Reliance.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"john-arun\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">JOHN VICTOR ARUN KUMAR</h2>\r\n<h3 class=\"pteam-member-position\">LEAD, INCUBATOR PROJECTS</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sharon\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nHis core areas of work are project design, implementation and monitoring & evaluation. John has 10 years of experience in the Development Sector and has worked at Tata Consultancy Services on an Entrepreneurship Development program. John holds a Master\'s degree from the Madras School of Social Work and a Bachelor\'s in Computer Science from the Madras university.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"badal-malick\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">BADAL MALICK</h2>\r\n<h3 class=\"pteam-member-position\">PRINCIPAL INNOVATION OFFICER</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"badal-malick\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nBadal has a deep industry background in financial services, digital payments and online commerce. Previously, he was a Vice President at Snapdeal where he built an Omnichannel business from ground up; a Group Product Head at Intuit’s Quickbooks business unit where he crafted new fintech products; an Engagement Manager at McKinsey’s financial services and payments practice where he advised Fortune 50 companies on innovation strategies; and an Economist at the World Bank\'s Water and Sanitation Program where he led a ground breaking a new initiative focused on public accountability in urban service delivery.\r\n\r\nHe is a technology enthusiast, an active angel investor, and once played for a NYC based rock band. He has an MBA from the Yale School of Management.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"alok\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">ALOK GUPTA</h2>\r\n<h3 class=\"pteam-member-position\">DIRECTOR, INCUBATION</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"alok\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nAlok has 22 years of global experience in fintech solutions. He was COO, India, at World Resources Institute where he set up global work in urban innovation and tools. Before that he was member of the startup team at UIDAI driving program strategy and implementation of Aadhaar – the world’s largest biometric-based online identity platform for 1.2 billion Indians -- enabling roll out of the Aadhaar-based payment platform and effective delivery of welfare services. Prior to UIDAI, he took two fintech ventures to the Indian market as a founding team member. Earlier, he worked in the U.S. for 10 years with Trend Micro, managing global IT strategy, and DiamondCluster, developing and executing digital strategies for Fortune 50 companies.\r\n\r\nHe has an Electronic Commerce management degree from Tepper School of Business, Carnegie Mellon University and Bachelors in Electrical Engineering from Delhi College of Engineering.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"sudhir\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">SUDHIR KUMAR</h2>\r\n<h3 class=\"pteam-member-position\">ECOSYSTEM OPERATIONS LEADER</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sudhir\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nPreviously, while with the Small Industries Development Bank of India (SIDBI), Sudhir headed its Financial Inclusion initiative (Poorest States Inclusive Growth program) in Madhya Pradesh and Uttar Pradesh, focusing on increasing access to financial services among poor households. As an entrepreneur, Sudhir initiated his own Urban Microfinance Company called MITRA in Rajasthan, providing financial services to urban poor. He has also worked closely with industry associations on policy and advocacy issues and with client-beneficiaries in urban and rural Rajasthan to generate linkages with livelihoods.\r\n\r\nHe is a postgraduate from the Indian Institute of Forest Management (IIFM).</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"parvinder\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">PARVINDER SINGH</h2>\r\n<h3 class=\"pteam-member-position\">ASSOCIATE DIRECTOR, LEARNING &amp; COMMUNICATIONS</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"parvinder\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nPassionate about evidence-based conversations and storytelling, he has co-created community media initiatives and digital platforms for public engagement for inclusion and social change. Parvinder has worked with some of the leading development organizations like ActionAid, Oxfam, Christian Aid International, Plan International and Landesa among others. He loves contributing to the on-going public discourses through his writings and has been published in academic journals and international news media.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"sapna\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">SAPNA BHARATH</h2>\r\n<h3 class=\"pteam-member-position\">MANAGER, PARTNERSHIPS &amp; IMPLEMENTATION</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sapna\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nSapna has been a pilot team member at global investment banks such as Goldman Sachs, Lehman Brothers and Nomura, and their set up and start up story in India. With over 11 years of experience across transition, operations and execution of large-scale business transformation programs, her noteworthy engagements involved the roll out of new bank branch set ups for equity and fixed income businesses in Mauritius, Singapore, Indonesia and China. In her last stint at Nomura, she was instrumental in front-to-back program management, business analysis and user-acceptance testing for projects such as delivery of India FII Proprietary Trading business roll-out. Prior to Nomura, Sapna was a business analyst at Goldman Sachs and established a center of excellence reconciliation platform for Lehman’s global businesses.\r\n\r\nSapna holds a Bachelor in Commerce Degree, an MBA from the Symbiosis University, Pune and is Six Sigma Green Belt certified.</div>\r\n</div>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#ffffff\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" bg_image=\"7841\"][vc_column][vc_row_inner equal_height=\"yes\" el_class=\"pmember-container\"][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1507728744809{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"aditya\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2016/12/aditya.png\" alt=\"ADITYA DESHPANDE\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"aditya\"> ADITYA DESHPANDE </a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"STRATEGY AND PRODUCT ARCHITECT\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1507728928331{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\">An Engineer and a Post-Graduate in management, Aditya is passionate about startups and has spent a large portion of his professional journey in the ecosystem.</p>\r\n\r\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\r\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/aditya-deshpande-083716a/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529594073143{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"gaurav-s\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2016/12/Gaurav.png\" alt=\"GAURAV SINGHAL \" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"gaurav-s\">GAURAV SINGHAL </a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"BUSINESS ANALYST\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529587612824{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\">Passionate about fintech and use of blockchain to improve regulation tech, Gaurav loves designing the efficient ways to streamline processes. prior catalyst he was a co-founder at Authentic – An India stack based E-KYC and authentication startup.</p>\r\n\r\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\r\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/gsinghal680/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529587858454{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"sunil\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2016/12/Sunil-Gurubhagwatla.png\" alt=\"sunil\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"sunil\"> SUNIL GURUBHAGWATLA </a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"SENIOR PROGRAM ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529587889025{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\">Sunil is an engineer turned management student. He has worked in the areas of brand alliance in ecommerce and as a Business Intelligence consultant for several domains.</p>\r\n\r\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\r\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/sunil-gurubhagwatla-42a9791a\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529588438599{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"tunisha\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2016/12/Tunisha-Kapoor-n.png\" alt=\"tunisha\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"tunisha\"> TUNISHA KAPOOR </a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"OPERATIONS ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529588466193{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\">Tunisha is passionate about policy and regulatory research and has had professional exposure in a diverse set of sectors including business responsibility, insurance and energy.</p>\r\n\r\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\r\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://in.linkedin.com/in/tunisha-kapoor-9a117851\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"]\r\n<div id=\"mandar\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">MANDAR KAGADE</h2>\r\n<h3 class=\"pteam-member-position\">POLICY CONSULTANT</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"mandar\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nBefore Catalyst, Mandar worked with the Finance Research Group at IGIDR (Mumbai) on a Paypal-funded assignment authoring and disseminating policy research, op-ed pieces and curating round tables towards policy advocacy. Earlier, he was at the Bharti Institute Of Public Policy (Indian School Of Business) where he published financial regulatory research in banking, payments and fintech. A graduate of Columbia Law School and Govt. Law College (Mumbai) he practiced Transaction Law in an earlier life, before the policy bug bit him. When he is not thinking about pushing payments, you would find him watching Ken Burns\' documentaries or Quentin Tarantino creations.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"aditya\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">ADITYA DESHPANDE</h2>\r\n<h3 class=\"pteam-member-position\">STRATEGY AND PRODUCT ARCHITECT</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"aditya\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nFor over 10 years, Aditya has handled a wide range of roles including consulting, academics and entrepreneurship. Previously, he was working with GREX as Associate Vice President and handled the ground-up development of debt products for the company. He was responsible for many key partnerships for GREX and also handled various special initiatives, as part of the PMO team earlier. After a brief stint with Satyam as WRAP consultant, he moved to academics and subsequently became part of the entrepreneurship ecosystem while working with a Pune based VC firm and later his own startup in the incubation space.\r\n\r\nHe is an Electronics Engineer and also has a PG Diploma in Management from IMT, Nagpur. He loves working on product ideas and building strong partnerships for organizational growth. Aditya enjoys reading and conquering difficult terrain with his prized 4×4 in his free time. He also enjoys traveling, photography and horse riding.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"arbind\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">ARBIND KUMAR</h2>\r\n<h3 class=\"pteam-member-position\">OPERATIONS ASSOCIATE</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"arbind\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nArbind has a post graduate degree in E-Governance from IIM Indore, and has an experience of over 6 years in business consulting and ICT Solutions for various Government Ministries and Departments. At his last held designation as a Consultant for Business Process &amp; IT and an Advisory Consultant, he has been a key driver of business strategy, transformation and operational improvement. He has also been associated with National Institute for Smart Government, Bluefrog mobile technologies Pvt. Ltd and IIM Indore. Prior to joining Catalyst, he has been a part of\r\n\r\nPrior to his association with Catalyst, he was a part of the National Institute for Smart Government (NISG) New Delhi, where he was associated with various Ministries and Govt. departments, which included Controller General of Defence (MoD), Department of Finance (Govt. of Bihar), Election Commission of India, Ministry of Labour and Employment, Punjab Governance Reforms and others. During his free time, Arbind enjoys cooking, designing, watching movies and trying new cuisines.\r\n\r\nHis involvement with various Ministries and Govt. Departments are in the area of Rural Development, Health and Treasury Management. As a consultant, Arbind was involved in designing workflow-based business processes for the Government to create transparency, and as a Management Consultant, he was a part of conceptualizing, designing, and monitoring the E- Governance Project.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"aparajita\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">APARAJITA BHARTI</h2>\r\n<h3 class=\"pteam-member-position\">COMMUNICATIONS AND MEDIA CONSULTANT</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"aparajita\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nAparajita was one of the four Indians selected for the Faiths Act Fellowship by the Tony Blair Faith Foundation. Prior to that, she was a LAMP Fellow and worked as a Legislative Assistant to Mr. N.K. Singh, Member of Parliament, Rajya Sabha. Most recently, she was Manager, Corporate Affairs and Communications at Snapdeal where she was responsible for media messaging and engagement, in addition to providing inputs on policy and legislative issues concerning the digital commerce sector. She also developed and managed partnerships with many state governments for Snapdeal.\r\n\r\nA street theatre artist in her undergraduate years, Aparajita was instrumental in seeding ‘Manthan’ – an annual congregation of street theatre student groups to spread social awareness across India. Manthan has now expanded to 15+ towns and cities.\r\n\r\nShe is an alumnus of Oxford University and College of Business Studies at Delhi University.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"rohit\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">ROHIT KUMAR</h2>\r\n<h3 class=\"pteam-member-position\">POLICY CONSULTANT</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"rohit\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">Rohit served as the Head of Policy and Research at the office of Mr. Baijayant ‘Jay’ Panda, Member of Parliament (MP) in Lok Sabha. Prior to that, he has worked for several years with PRS Legislative Research, the Indian think-tank that supports MPs across party lines with research on legislative and policy issues. At PRS, Rohit also developed ‘MP Track’, a tool that is widely used by civil society to track engagement of MPs in Parliament. Before shifting to policy, he was a strategy consultant with the Boston Consulting Group (BCG).Rohit is an alumnus of the Harvard Kennedy School of Government and Indian Institute of Technology-Bombay.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"vaisnavi\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">VAISNAVI GNANASEKARAN</h2>\r\n<h3 class=\"pteam-member-position\">MONITORING &amp; EVALUATION SPECIALIST</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"vaisnavi\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nVaisnavi has worked with various international organizations on research projects focused on the development sector while undertaking her Masters degree. She worked at the United Nations Population Fund Headquarters in New York where she was involved in designing and coordinating evaluation studies of global projects. During this time, she worked with UNICEF and UN Women on evaluation of a jointly operated project to address female genital mutilation in Sub-Saharan Africa. Prior to this, she worked with faculty at the University of Alberta on projects ranging from safe needle exchange programs for addicts to special after-school programs for at-risk children. As a volunteer, Vaisnavi worked with sex workers’ union and human rights activist groups. She specializes on solutions that have a strong data analytical backbone in the development sector.\r\n\r\nVaisnavi recently completed her Master degree in Public Health from University of Alberta, Canada.</div>\r\n</div>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#ffffff\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" bg_image=\"7841\"][vc_column][vc_row_inner equal_height=\"yes\" el_class=\"pmember-container\"][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529589323846{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"arbind\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2017/08/Arbind_kumar.png\" alt=\"arbind\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"arbind\"> ARBIND KUMAR </a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"OPERATIONS ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529589390712{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\">Passionate about developing and improving e- Governance systems across multiple levels of society, Arbind loves to design user friendly workflow-based business processes for the Government to create transparency.</p>\r\n\r\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\r\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/arbind-kumar-b0a5bb67/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529588667655{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"darshan\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2016/12/Darshan-singh.png\" alt=\"Darshan Singh\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"darshan\"> DARSHAN SINGH </a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"OPERATIONS ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529588692226{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\">Prior to Darshan\'s association with Catalyst, he was associated with Indian Institute of Management (Indore), for entrepreneurship and enterprise development programs.</p>\r\n\r\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\r\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"http://www.linkedin.com/in/darshan-singh-09907777181\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529588787401{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"siddharth\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2016/12/Siddhanth_Dhankhar.png\" alt=\"siddharth\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"siddharth\"> SIDDHARTH DHANKHAR </a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"PROGRAM ASSOCIATE \" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529588814331{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\">Siddharth enjoys mathematics and all things data. He joins Catalyst from the partnerships &amp; strategic initiatives team at Snapdeal. He loves swimming, squash and anything that gets him outdoors.</p>\r\n\r\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\r\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/siddharthdhankhar\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529591448130{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"preeti-bawa\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2016/12/Preeti-Bawa.png\" alt=\"preeti bawa\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"preeti-bawa\"> PREETI BAWA </a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"ADMIN MANAGER\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529591479636{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\">With flawless administrative skills, Preeti is passionate about her work; conducting events is her strength. She feels good to provide support to her teammates.</p>\r\n\r\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\r\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://in.linkedin.com/in/tunisha-kapoor-9a117851\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"]\r\n<div id=\"arindam\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">ARINDAM JANA</h2>\r\n<h3 class=\"pteam-member-position\">DATA SCIENTIST</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"arindam\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nArindam has developed analytical frameworks for problems ranging from performance and strategy evaluation in Twenty20 cricket, to identifying possible locations for the new capital of the bifurcated state of Andhra Pradesh, to assessing credit risk in data-poor lending networks, to proving cartel and monopolistic behaviour in markets. Arindam also has a keen interest in developing data pipelines, with a specific interest in data quality and value add – in his time with Indian Institute for Human Settlements, he was instrumental in developing a spatiotemporal database panning sources from Census of India to remote sensing imagery from NASA and ISRO. In his free time, Arindam loves following long form cricket from across the globe, cooking, and analysing films.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"preeti-bawa\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">PREETI BAWA</h2>\r\n<h3 class=\"pteam-member-position\">ADMINISTRATIVE OFFICER</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"preeti-bawa\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nPreeti previously worked with FHI360 where she gained exposure to the development sector. Earlier, at Jayanita Exports, she was exposed to work with global buyers for handicraft export and import. Before that, at Alar Impex Pvt. Ltd., she was working with the Belgian government on importing dredging machines from Belgium. Her first experience was interesting: she started her career with SSC as an invigilator for initial paper checks.\r\n\r\nShe has an Economics degree from Delhi University, and an Office Management and Secretarial Diploma from YMCA as well as an Operational Management diploma from MIT.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"sunil\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">SUNIL GURUBHAGWATLA</h2>\r\n<h3 class=\"pteam-member-position\">SENIOR PROGRAM ASSOCIATE</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sunil\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nSunil has worked with Snapdeal in the capacity of Brand Alliances Manager. He has also worked to pilot the Omni channel form of retail in the e-commerce space. Prior to that, he has worked with Cognizant as a Business Intelligence consultant for clients ranging from the publications to banks to telecom sectors.\r\n\r\nHe is an alumnus of Mudra Institute of Communications (MICA), Ahmedabad and National Institute of Technology, Raipur.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"tunisha\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">TUNISHA KAPOOR</h2>\r\n<h3 class=\"pteam-member-position\">OPERATIONS ASSOCIATE</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"tunisha\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nTunisha has valuable work experience in both the corporate as well as the development sector. She worked as a Senior Research Associate with Consumer Unity and Trust Society for two years handling policy and regulatory research. Prior to that she worked with IMRB International for three years and was responsible for end-to-end project management. She handled both quantitative as well as qualitative studies in the areas of brand health checks as well as communication evaluations.\r\n\r\nTunisha has a management degree from Mudra Institute of Communications, Ahmedabad (MICA).</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"darshan\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">DARSHAN SINGH</h2>\r\n<h3 class=\"pteam-member-position\">OPERATIONS ASSOCIATE</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"darshan\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nDuring Darshan\'s tenure at DA, he played a leadership role in the creation of ecosystem development for fly ash brick industry, enterprise development, creation of market linkages and integrated village development with HUL and Bharat Oman Refineries Limited. His business proposal on Rural Home Stays in Madhya Pradesh “Homes of India” was selected by IIM- Calcutta as a semi-finalist entry to TATA Social Enterprise Challenge and he was offered the Entrepreneurship Development Program at IIM-Calcutta on incubation. As an independent consultant, he has helped non-profit organizations with fundraising and marketing strategies. He has also independently conducted marketing activation campaigns for various corporates.\r\n\r\nDarshan’s education background is in economics and international business management.</div>\r\n</div>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"image\" bg_color=\"#ffffff\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" bg_image=\"7841\"][vc_column][vc_row_inner equal_height=\"yes\" el_class=\"pmember-container\"][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529591562226{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"allan\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2018/02/Allan.png\" alt=\"allan\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"allan\"> ALLAN ALFRED </a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"DESIGN AND BRANDING MANAGER\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529591584834{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\">A professional visual artist, Allan has dedicated over a decade to art and design. He is a graduate in Visual Communication and is passionate about creating and exploring the latest trends in visual art.</p>\r\n\r\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\r\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/allanalfred/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" offset=\"vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529589858786{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"allan\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2018/02/Allan.png\" alt=\"allan\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"allan\"> ALLAN ALFRED </a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"DESIGN AND BRANDING MANAGER\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529589878692{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\">A professional visual artist, Allan has dedicated over a decade to art and design. He is a graduate in Visual Communication and is passionate about creating and exploring the latest trends in visual art.</p>\r\n\r\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\r\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/allanalfred/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" offset=\"vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1488876627889{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"siddharth\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2016/12/Siddhanth_Dhankhar.png\" alt=\"siddharth\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"siddharth\"> SIDDHARTH DHANKHAR </a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"PROGRAM ASSOCIATE \" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1518612644484{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\">Siddharth enjoys mathematics and all things data. He joins Catalyst from the partnerships &amp; strategic initiatives team at Snapdeal. He loves swimming, squash and anything that gets him outdoors.</p>\r\n\r\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\r\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/siddharthdhankhar\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" offset=\"vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529588291472{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"allan\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2018/02/Allan.png\" alt=\"allan\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"allan\"> ALLAN ALFRED </a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"DESIGN AND BRANDING MANAGER\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529588316347{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\">A professional visual artist, Allan has dedicated over a decade to art and design. He is a graduate in Visual Communication and is passionate about creating and exploring the latest trends in visual art.</p>\r\n\r\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\r\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/allanalfred/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"]\r\n<div id=\"shagun\" class=\"team-profile-container\" style=\"style: z-index: 11;\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">SHAGUN NAGPAL</h2>\r\n<h3 class=\"pteam-member-position\">SENIOR COMMUNICATIONS MANAGER</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"shagun\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nAn Advertising &amp; Public Relations major from Indian Institute of Mass Communication; Shagun believes that effective communication leads to a positive change. Over the course of last 7 years she has worked in diverse work environments starting from Advertising agencies such as Ogilvy &amp; Mather to Humanitarian organisations such as Medecins Sans Frontieres/Doctors Without Borders. Her extensive experience, during which she has managed Press Relations as well as designed Experiential Marketing campaigns, has provided her with an opportunity to explore communication through varied lenses.\r\n\r\nShe has planned &amp; executed marketing campaigns for various audience profiles in India and South Asia. This background has given Shagun interesting insights into different cultures, along with teaching her skills like people\'s management, customer engagement and crisis management.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"anup\" class=\"team-profile-container\" style=\"style: z-index: 11;\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">ANUP KUMAR ROY</h2>\r\n<h3 class=\"pteam-member-position\">OPERATIONS LEADER, IFMR LEAD</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"anup\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nAnup joined IFMR Research in October 2005 as Research Associate and has worked in several research studies. Prior to IFMR, he worked with University of Delhi for four years, as well as the World Bank as Short Term Consultant for more than a year. At present, as COO, he is involved in IFMR’s international expansion, partnership and training, HR and administration, grant management, financial functions, effective data collection, data management and ethical compliance.\r\n\r\nAnup holds a Master degree in Social Work from the University of Delhi.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"preethi-rao\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">PREETHI RAO</h2>\r\n<h3 class=\"pteam-member-position\">LEAD, LAB PROJECTS</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"preethi-rao\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nIn addition to her role at Catalyst, Preethi heads the Innovation Vertical at IFMR LEAD. As an Innovation Champion, she drives new initiatives and is responsible for conceptualizing new areas of interest for the organization. A significant part of her role at IFMR LEAD is to identify improvements to existing processes, drive new research opportunities and develop capabilities for the same. She is also involved in developing and leading research studies and short term projects in open data, MSMEs, finance and healthcare. Her past roles include overseeing field data collection and digitization of operations.\r\n\r\nPreethi’s journey at IFMR began in 2006 as a researcher where she worked in the small enterprise finance and development space until 2012. During this time, she managed a pan India study on ROSCAs and their role in MSME financing, funded by the Bill &amp; Melinda Gates Foundation. The study was presented to and acknowledged by the then Hon. Finance Minister, Mr. Pranab Mukherjee.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"vivekdeep\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">VIVEKDEEP GUPTA</h2>\r\n<h3 class=\"pteam-member-position\">ASSOCIATE DIRECTOR, STRATEGIC INNOVATIONS</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"vivekdeep\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nVivekdeep Gupta graduated in 2014 with an MBA in Finance and Economics. Vivek has significant public policy experience, having worked at the Office of the Advisor to Prime Minister of India where he designed parts of the National Skill Development Policy and approved loans for skill development programs. He also worked with Mr. N Chandrababu Naidu, through the AP Economic Development Board, during his current tenure as Chief Minister of Andhra Pradesh. Vivek spent 4 years with the Tata Group as part of the Tata Administrative Services (TAS) in Africa, Israel and India. At TAS, he helped the Group set up multiple businesses including India’s first private sector military aerospace unit and micro-finance fund in South Africa.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"akanksha\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">AKANKSHA MITTAL</h2>\r\n<h3 class=\"pteam-member-position\">OPERATIONS ASSOCIATE</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"akanksha\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nAkanksha has worked with Accenture Strategy as a Business Consultant for close to years, in large scale implementation and strategy projects in areas of process efficiency and process integration with technological systems.\r\n\r\nShe completed her MBA from Indian Institute of Management, Bangalore and BSc (H) Mathematics from Lady Shri Ram College. She is passionate about the causes of Financial Inclusion, education for the blind and economic development and has contributed to these areas in her own small yet significant ways.\r\n\r\nShe likes watching plays more than movies and philosophy more than romance. Her height doesn’t justify her love and skill at basketball and she takes the job of restaurant critiquing quite seriously! Her bucket list includes travelling solo to Latin America and teaching kids there.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"ryan\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">RYAN TERRIBILINI</h2>\r\n<h3 class=\"pteam-member-position\">FELLOW</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"ryan\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nRyan has worked on numerous projects at the intersection of technology, policy, and operations. He spent four years at Google developing the Android hardware and software ecosystems by managing direct-to-consumer device support operations and creating policies for the world\'s biggest mobile app marketplace. At Ripple, Ryan served as Head of Developer Relations and Platform Partnerships. Through this role he engaged with numerous financial institutions and FinTech entrepreneurs building the payment systems of the future.\r\n\r\nRyan is a magna cum laude graduate of the University of California, Berkeley with a degree in Classical Civilizations. He is expected to graduate from the University of Oxford\'s Master of Public Policy program in Fall 2017. When he\'s not studying or playing with tech, you can find Ryan relaxing by watching and playing baseball.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"adiraju\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">BHARADWAJ ADIRAJU</h2>\r\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"adiraju\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">Bharadwaj is pursuing an M.A. in Economics from the University of Hyderabad. Driven by his desire to solve socio-economic injustices, he was part of a team that conducted a study on the reasons for the drop-out of differently-abled students from Delhi University. He intends to combine his interests in teaching and economics to pursue a career in teaching Currently, he is interested in investigating benefits of financial inclusion at the grass-roots and its impact on macroeconomic policies and indicators. In his free time, he enjoys relaxing and plays the Carnatic Classical violin and lawn tennis.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"katyal\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">RAGHAV KATYAL</h2>\r\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"katyal\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">Raghav studies Political Science and Economics at Ashoka University. He believes policy enables markets to drive socio-economic development. An aspiring public policy professional, Raghav also enjoys writing opinion pieces on contemporary issues. Apart from his academic pursuits, he also steers the Consulting vertical of the Ashoka Business Club.\r\nBorn and brought up in New Delhi, he takes an avid interest in reading up on the city’s history, monuments, as well as the politics that is woven into its fabric. At Catalyst, he hopes to help create government regulation for payments which can unlock financial inclusion for India’s masses.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"khanna\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">SAMRUDHI KHANNA</h2>\r\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"khanna\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">With an undergraduate degree in financial markets and over two years of experience in investment banking research, Samrudhi has now decided to dive into a more impactful role within the space. She aims to contribute her time and skills towards helping Catalyst build a digitized national economy and promote financial inclusion at various levels. A firm believer in the bottom up theory of development, she has also worked on a number of field as well as analytical projects in behavioural finance, child labour, improving the scope of primary education in India etc.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"srinivasan\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">NITHYA SRINIVASAN</h2>\r\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"srinivasan\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">Nithya recently graduated in Economics from Miranda House, University of Delhi and is passionate about international development and economic research. Her academic interests include social entrepreneurship, women empowerment, and behavioural aspects of public policy formulation. In the past, Nithya has worked with research organisations, NGOs and the Delhi Government on women entrepreneurship, public health, education and law. She recently represented India at the South Asian Economics Students Meet, Bangladesh and was awarded ‘best paper’ for her research work on healthcare financing. Besides research, Nithya loves debating, travelling and meeting new people. She is a passionate singer and currently teaches with an organisation called Music Basti in Delhi.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"swallow\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">MYLA SWALLOW</h2>\r\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"swallow\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">Myla is interested in the intersection of normative philosophy and the realities of global economic development. She bridges a fascination for the theoretical with a desire to implement effective on-the-ground change, realising that these pursuits can often lead in divergent directions. She is now working on her undergraduate thesis investigating and evaluating the execution of financial services in low-income communities. Myla is originally from Sydney, Australia, but has spent the last 3 years as a Robertson Scholar at Duke University. She will be graduating from Duke in May 2019 with a double major in economics and philosophy.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"anupama\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">ANUPAMA MENON</h2>\r\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"anupama\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nAnupama is an undergraduate student of Electronics and Communication Engineering at the National Institute of Technology, Trichy, and was named a Cargill Global Scholar in 2017. She is driven by a desire to integrate technology with the development sector in India. She is interested in digitization and its impact on the Indian economy and is keen on using her technical and behavioral insights to fast-track this process.\r\n\r\nShe has worked extensively in the Public Health sector - having conducted research in Medical Imaging and developed an application for Breast Cancer Thermography. As a volunteer, she has taught English to primary-school goers in rural Trichy. She also takes an active interest in theatre, classical dance and writing.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"allan\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">ALLAN ALFRED</h2>\r\n<h3 class=\"pteam-member-position\">DESIGN AND BRANDING MANAGER</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"allan\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nFor over a decade, Allan has been dedicated to design and looking into global design trends. His passion for art, design and communication has helped him build a staggering array of visual art and concepts. During the last 13 years, Allan has been recognized as a change enthusiast and a trend setter.\r\n\r\nAfter graduating with a Degree in Visual Communication, Allan has worked in Malaysia and many parts of India. He is a well appreciated Team Leader and spends most of his leisure time interacting with like-minded creative professionals and exploring new realms of design.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"gaurav-s\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">GAURAV SINGHAL</h2>\r\n<h3 class=\"pteam-member-position\">BUSINESS ANALYST</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sharon\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nGaurav has been an active participant in startup ecosphere. He has worked with CIIE, IIM A where he worked on the bi-yearly Blpan competition Power of Ideas; as an intern at Dexter capital – a startup debt advisory and angel fund where he assisted in early due diligence and outreach; and as a Business development associate at CultureAlley, creator of HelloEnglish App where he worked on monetizing the app through multiple channels and upselling. In his free time, he loves to write short stories, follow cricket and prepare for marathon cycling.</div>\r\n</div>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"image\" bg_color=\"#ffffff\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" visibility=\"hidden-xs,hidden-sm,hidden-md,hidden-lg,hidden-xlg\" bg_image=\"7841\"][vc_column][vc_row_inner equal_height=\"yes\" el_class=\"pmember-container\"][vc_column_inner width=\"1/4\"][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][vc_column_inner el_class=\"phide\" width=\"1/4\" offset=\"vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1488521635859{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"sowmya\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2016/12/Sowmya-Nanjudaiah.png\" alt=\"sowmya\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"sowmya\"> SOWMYA NANJUNDAIAH </a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"MARKETING, INCITE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1486129377285{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\">Sowmya is CEO of INCITE, where she helps companies reimagine how they interact with their customers and manage their businesses in the digital economy.</p>\r\n\r\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\r\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/sowmya-nanjundaiah-4695b43\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"]\r\n<div id=\"shubham\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">SHUBHAM KULSHRESTHA</h2>\r\n<h3 class=\"pteam-member-position\">OPERATIONS ASSOCIATE</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"shubham\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nShubham recently graduated from Peking University HSBC Business School with a master degree in Management Science and has undertaken projects involving product portfolio establishment, market research, business analysis and project management during his study. He has worked on a joint venture under the guidance of senior leadership in Mahindra Intertrade to study the feasibility of new product establishment in the Indian market. Shubham brings to the table a rich experience of working with global MNCs like Mahindra &amp; Mahindra, Bosch &amp; JCB.\r\n\r\nHe has a Bachelors in Mechanical engineering from Manipal University. During his tenure of study at Manipal, he has lead teams in National level automotive events like BAJA &amp; National Go kart championship and has worked as a volunteer in social organizations like Gramiksha and AIESEC, India.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"smriti\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">SMRITI AGRAWAL</h2>\r\n<h3 class=\"pteam-member-position\">MANAGER, POLICY AND PARTNERSHIPS</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"smriti\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nA Harvard Law School and London School of Economics graduate, Smriti is a lawyer turned economist specializing in financial regulation, international and monetary economics. She has previously worked with Reserve Bank of India and Ministry of Finance and was involved in issues relating to fiscal policy and public finance. In this context, Smriti engaged in mobilization of small savings through market borrowings.\r\n\r\nPrior to this, she was assigned on projects with European Commission &amp; ESMA on improving involvement of retail users in the design of financial policies. Smriti is a trained Indian classical dancer who tries to engage and teach kids Kathak.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"pratap\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">PRATAP THUMBOOCHETTY</h2>\r\n<h3 class=\"pteam-member-position\">MARKETING, INCITE</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"pratap\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nPratap began his career as a research scientist at the Indian Institute of Science, Bengaluru. During his MBA program in the U.S., Pratap interned with the Federal Communications Commission, helping draft policy and legislation for the Satellite Communications division. Then, as a part of Capital One’s Small Business division, Pratap was instrumental in developing new products and creating and growing the Loyalty Program. He later led Capital One’s foray into the Indian consumer lending market. During this time, he was also invited to write an advisory paper to the Ministry of Finance, Government of India, on leveraging data analytics within the Income Tax department. As an independent consultant, Pratap mentored large corporations by offering strategic advice related to India entry.\r\n\r\nPratap has a degree in electrical engineering and an MBA from the Yale School of Management with a dual concentration in strategy and international finance.</div>\r\n</div>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" visibility=\"hidden-xs,hidden-sm,hidden-md,hidden-lg,hidden-xlg\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/6\"][vc_custom_heading text=\"SUMMER PROGRAM (BATCH OF 2017)\" 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\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<p style=\"text-align: center;\">Every year, we select a few passionately driven individuals with unique skills and interests that complement our current priorities.</p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"image\" bg_color=\"#ffffff\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" visibility=\"hidden-xs,hidden-sm,hidden-md,hidden-lg,hidden-xlg\" bg_image=\"7841\"][vc_column][vc_row_inner equal_height=\"yes\" el_class=\"pmember-container\"][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1494410553853{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"ryan\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2016/12/Ryan-terribilini.png\" alt=\"ryan\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"ryan\"> RYAN TERRIBILINI </a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"FELLOW\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494240914237{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\">Being born and raised right next to Silicon Valley, Ryan has always been inspired by the history of technology and its potential for the future.</p>\r\n\r\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\r\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/ryanterribilini/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1494241018144{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"maya\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2016/12/Maya-Durvasula.png\" alt=\"maya\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"maya\"> MAYA DURVASULA </a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494239528364{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\">Research and service in a diverse array of settings have augmented Maya’s commitment to poverty alleviation and economic development.</p>\r\n\r\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\r\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/maya-durvasula-7aaa9179/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1494240671749{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"priyanka\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2016/12/priyanka.png\" alt=\"priyanka\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"priyanka\"> PRIYANKA ROYCHOUDHURY </a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494240448187{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\">Priyanka is currently pursuing MSc Economics from London School of Economics and Political Science. Prior to joining LSE.</p>\r\n\r\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\r\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/priyanka-roychoudhury-15aa843b/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1494334037374{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"abhinav\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2016/12/Abhinav-Verma.png\" alt=\"abhinav\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"abhinav\"> ABHINAV VERMA </a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494334178467{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\">Abhinav is interested in social entrepreneurship and the potential of markets to promote economic development. He is a second-year undergrad studying Economics and Finance at Ashoka University.</p>\r\n\r\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\r\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/abhinav-verma-b2b74a10b/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" disable_element=\"yes\" el_class=\"pmember-container phide\" css=\".vc_custom_1517294658131{margin-top: 40px !important;}\"][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1504761827594{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"jennifer\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2017/09/Jennifer-Sung.png\" alt=\"jennifer\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"jennifer\"> JENNIFER SUNG </a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1504761858418{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\">Jennifer is a finance professional with a poetic heart, curious palate and wandering feet. Her diverse experiences have fueled her interests in financial technology, entrepreneurship and early stage investments.</p>\r\n\r\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\r\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/jennifer-sung-20b80162/?ppe=1\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" offset=\"vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1494241018144{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"maya\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2016/12/Maya-Durvasula.png\" alt=\"maya\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"maya\"> MAYA DURVASULA </a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494239528364{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\">Research and service in a diverse array of settings have augmented Maya’s commitment to poverty alleviation and economic development.</p>\r\n\r\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\r\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/maya-durvasula-7aaa9179/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" offset=\"vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1494240671749{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"priyanka\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2016/12/priyanka.png\" alt=\"priyanka\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"priyanka\"> PRIYANKA ROYCHOUDHURY </a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494240448187{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\">Priyanka is currently pursuing MSc Economics from London School of Economics and Political Science. Prior to joining LSE.</p>\r\n\r\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\r\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/priyanka-roychoudhury-15aa843b/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" offset=\"vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1494334037374{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"abhinav\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2016/12/Abhinav-Verma.png\" alt=\"abhinav\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"abhinav\"> ABHINAV VERMA </a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494334178467{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\">Abhinav is interested in social entrepreneurship and the potential of markets to promote economic development. He is a second-year undergrad studying Economics and Finance at Ashoka University.</p>\r\n\r\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\r\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/abhinav-verma-b2b74a10b/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"]\r\n<div id=\"jennifer\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">JENNIFER SUNG</h2>\r\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"jennifer\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nJennifer started her career as a Healthcare Investment Banker with Deutsche Bank. After working across a spectrum of transactions in M&amp;A and Equity markets across EMEA, she took up a Client Strategy role with the Global Capital Markets and Treasury Solutions team.\r\n\r\nAfter 3 years with Deutsche bank, Jennifer joined an early stage Fintech start-up Lendingkart as a Senior Manager in their Strategic Initiatives team. She was briefly the Chief of staff and was further promoted to AVP – Capital Markets responsible for raising debt capital and management of investor/external stakeholder relationships for the firm.\r\n\r\nJennifer graduated with an honours degree from Shri Ram College of Commerce and is an MBA candidate at INSEAD. In her free time, she likes to travel, recreate gourmet meals in her kitchen, and curl up with a good book.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"siddharth\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">SIDDHARTH DHANKHAR</h2>\r\n<h3 class=\"pteam-member-position\">PROGRAM ASSOCIATE</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"siddharth\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nSiddharth has a dual degree from BITS Pilani with bachelor\'s degree in electronics engineering and a master\'s degree in economics. He\'s previously interned at Morgan Stanley, KPMG, among other companies.\r\n\r\nPrior to joining Catalyst, he spent about two years at Snapdeal working on partnerships &amp; strategic initiative projects.\r\n\r\nIn his spare time, he can be found debating, planning detailed vacation itineraries and outdoors. He has spent a summer working in financial crime investigation with Gurgaon Police.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"anand\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">ANAND RAMAN</h2>\r\n<h3 class=\"pteam-member-position\">TECHNICAL ADVISOR</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"anand\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nAnand enjoys learning and has moved between sectors and domain in his professional life -- from IT to telecom to television and lastly financial services. He has written code, managed projects, delivered products, sold and marketed them with stints at companies including Tech Mahindra, Idea Cellular, Star TV, Eko and IDmission Solutions. He wants to remain curious and in hopefully bring some change. He has interests in diverse and often utterly unrelated subjects.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"sowmya\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">SOWMYA NANJUNDAIAH</h2>\r\n<h3 class=\"pteam-member-position\">MARKETING, INCITE</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sowmya\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nSince 2010, Sowmya has driven INCITE’s growth from a small startup into a full-service interactive agency operating out of the U.S., Europe and India. Earlier, she was responsible for corporate fund raising for the United Way in Massachusetts, helping America’s largest non-profit organization raise funds for outreach programs. On her return to India, Sowmya was part of the founding team of Nirvana, a Bengaluru-based BPO that services global clients. Here she defined the strategic vision and built key parts of the organization including product development and sales. As Head of the New York office, she was responsible for Nirvana’s expansion into the North American market. Sowmya then returned to India to co-found a successful wine company, Naka Wines. As CEO of Naka Wines, she was responsible for launching the brand across Karnataka and the USA.\r\n\r\nSowmya has an MBA from the prestigious University of Massachusetts.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"abhinav\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">ABHINAV VERMA</h2>\r\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"abhinav\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nAbhinav is a second-year undergrad pursuing a B.Sc. (Hons.) in Economics and Finance from Ashoka University. He is interested in social entrepreneurship and the potential of markets to promote economic development. His academic interests lie in financial inclusion and impact investing. Last winter, he organised a panel discussion at the Harvard-US India Conference to discuss the role of financial inclusion in Indian rural development.\r\n\r\nAbhinav is a budding entrepreneur. He started a e-commerce company to represent local manufacturers on e-commerce portals. On campus, he also started a food-delivery business. To relax, he enjoys swimming, photography, writing for his university’s newspaper, and trying new kinds of cuisine.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"priyanka\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">PRIYANKA ROYCHOUDHURY</h2>\r\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"priyanka\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nPriyanka worked with Centre for Policy Research in New Delhi in their project –Accountability Initiative- where she worked in the areas of public finance and public administration. As a Research Associate, she handled both quantitative and qualitative analytical work as well as worked on ground to implement PETS for the project.\r\n\r\nPriyanka holds a B.A. (Hons) Economics degree from Lady Shri Ram college for women and a PGD in Liberal Arts from Ashoka University. Apart from nurturing a career goal to step into policy work using her academic qualifications professionally, she continues to juggle her passion for community work through her community initiative- The WordsWorth Project- which engages youth volunteers to assist underprivileged kids with their English language development. She often uses the rest of her time to give life to her thoughts through blogging and doodling.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"maya\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">MAYA DURVASULA</h2>\r\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"maya\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nMaya combines academic interests in economic development and poverty alleviation with a wide array of experiences in research and multi-sectoral policy development &amp; implementation. Most recently, she co-led two nationwide behavioral economics experiments on HIV test uptake with a public health and social entrepreneurship laboratory in Guangzhou, China. She is interested in the ways in which microeconomic theory and behavioral insights can be used to design informal and formal social programs and institutions.\r\n\r\nMaya studies economics and mathematics as a Robertson Scholar at Duke University and will graduate in May 2018. She was named a 2017 United States Truman Scholar. In her free time, she can usually be found wandering through mountains and canyons in the American Southwest.</div>\r\n</div>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/6\"][vc_custom_heading text=\"SUMMER PROGRAM (BATCH OF 2018)\" 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\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<p style=\"text-align: center;\">Every year, we select a few passionately driven individuals with unique skills and interests that complement our current priorities.</p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" el_class=\"pmember-container\"][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1528191247772{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"adiraju\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2018/06/bharadwaj_adiraju.png\" alt=\"adiraju\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"adiraju\"> BHARADWAJ ADIRAJU</a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1528186523821{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Bharadwaj is pursuing an M.A. in Economics from the University of Hyderabad. Driven by his desire to solve socio-economic injustices, he was part of a team that conducted a study on the reasons for the drop-out of differently-abled students from Delhi University. </span></p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1528187251568{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"katyal\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2018/06/raghav_katyal.png\" alt=\"katyal\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"katyal\"> RAGHAV KATYAL </a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494239528364{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Raghav studies Political Science and Economics at Ashoka University. He believes policy enables markets to drive socio-economic development.</span></p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1528191661212{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"khanna\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2018/06/samrudhi_khanna.png\" alt=\"khanna\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"khanna\">SAMRUDHI KHANNA </a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494240448187{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">With an undergraduate degree in financial markets and over two years of experience in investment banking research, Samrudhi has now decided to dive into a more impactful role within the space.</span></p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1528191710557{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"srinivasan\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2018/06/nithya.png\" alt=\"srinivasan\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"srinivasan\"> NITHYA SRINIVASAN</a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494334178467{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Nithya recently graduated in Economics from Miranda House, University of Delhi and is passionate about international development and economic research.</span></p>\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" el_class=\"pmember-container\"][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1528192317705{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"swallow\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2018/06/myla_swallow.png\" alt=\"swallow\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"swallow\"> MYLA SWALLOW\r\n</a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1528186523821{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Myla is interested in the intersection of normative philosophy and the realities of global economic development.</span></p>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1528208150929{margin-bottom: 0px !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n\r\n<a class=\"toggle\" data-target=\"anupama\"><img src=\"http://cashlesscatalyst.org/wp-content/uploads/2018/06/photos06.png\" alt=\"anupama\" /></a></div>\r\n<div>\r\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"anupama\"> ANUPAMA MENON</a></h2>\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494239528364{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\r\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Anupama is an undergraduate student of Electronics and Communication Engineering at the National Institute of Technology, Trichy, and was named a Cargill Global Scholar in 2017.</span></p>\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"image\" bg_color=\"#ffffff\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" visibility=\"visible-xs,visible-sm,visible-md,visible-lg,visible-xlg\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"]\r\n<div id=\"adiraju\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">BHARADWAJ ADIRAJU</h2>\r\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"adiraju\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">Bharadwaj is pursuing an M.A. in Economics from the University of Hyderabad. Driven by his desire to solve socio-economic injustices, he was part of a team that conducted a study on the reasons for the drop-out of differently-abled students from Delhi University. He intends to combine his interests in teaching and economics to pursue a career in teaching Currently, he is interested in investigating benefits of financial inclusion at the grass-roots and its impact on macroeconomic policies and indicators. In his free time, he enjoys relaxing and plays the Carnatic Classical violin and lawn tennis.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"siddharth\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">SIDDHARTH DHANKHAR</h2>\r\n<h3 class=\"pteam-member-position\">PROGRAM ASSOCIATE</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"siddharth\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nSiddharth has a dual degree from BITS Pilani with bachelor\'s degree in electronics engineering and a master\'s degree in economics. He\'s previously interned at Morgan Stanley, KPMG, among other companies.\r\n\r\nPrior to joining Catalyst, he spent about two years at Snapdeal working on partnerships &amp; strategic initiative projects.\r\n\r\nIn his spare time, he can be found debating, planning detailed vacation itineraries and outdoors. He has spent a summer working in financial crime investigation with Gurgaon Police.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"anand\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">ANAND RAMAN</h2>\r\n<h3 class=\"pteam-member-position\">TECHNICAL ADVISOR</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"anand\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nAnand enjoys learning and has moved between sectors and domain in his professional life -- from IT to telecom to television and lastly financial services. He has written code, managed projects, delivered products, sold and marketed them with stints at companies including Tech Mahindra, Idea Cellular, Star TV, Eko and IDmission Solutions. He wants to remain curious and in hopefully bring some change. He has interests in diverse and often utterly unrelated subjects.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"sowmya\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">SOWMYA NANJUNDAIAH</h2>\r\n<h3 class=\"pteam-member-position\">MARKETING, INCITE</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sowmya\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nSince 2010, Sowmya has driven INCITE’s growth from a small startup into a full-service interactive agency operating out of the U.S., Europe and India. Earlier, she was responsible for corporate fund raising for the United Way in Massachusetts, helping America’s largest non-profit organization raise funds for outreach programs. On her return to India, Sowmya was part of the founding team of Nirvana, a Bengaluru-based BPO that services global clients. Here she defined the strategic vision and built key parts of the organization including product development and sales. As Head of the New York office, she was responsible for Nirvana’s expansion into the North American market. Sowmya then returned to India to co-found a successful wine company, Naka Wines. As CEO of Naka Wines, she was responsible for launching the brand across Karnataka and the USA.\r\n\r\nSowmya has an MBA from the prestigious University of Massachusetts.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"abhinav\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">ABHINAV VERMA</h2>\r\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"abhinav\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nAbhinav is a second-year undergrad pursuing a B.Sc. (Hons.) in Economics and Finance from Ashoka University. He is interested in social entrepreneurship and the potential of markets to promote economic development. His academic interests lie in financial inclusion and impact investing. Last winter, he organised a panel discussion at the Harvard-US India Conference to discuss the role of financial inclusion in Indian rural development.\r\n\r\nAbhinav is a budding entrepreneur. He started a e-commerce company to represent local manufacturers on e-commerce portals. On campus, he also started a food-delivery business. To relax, he enjoys swimming, photography, writing for his university’s newspaper, and trying new kinds of cuisine.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"priyanka\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">PRIYANKA ROYCHOUDHURY</h2>\r\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"priyanka\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nPriyanka worked with Centre for Policy Research in New Delhi in their project –Accountability Initiative- where she worked in the areas of public finance and public administration. As a Research Associate, she handled both quantitative and qualitative analytical work as well as worked on ground to implement PETS for the project.\r\n\r\nPriyanka holds a B.A. (Hons) Economics degree from Lady Shri Ram college for women and a PGD in Liberal Arts from Ashoka University. Apart from nurturing a career goal to step into policy work using her academic qualifications professionally, she continues to juggle her passion for community work through her community initiative- The WordsWorth Project- which engages youth volunteers to assist underprivileged kids with their English language development. She often uses the rest of her time to give life to her thoughts through blogging and doodling.</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"maya\" class=\"team-profile-container\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\">MAYA DURVASULA</h2>\r\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"maya\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\">\r\n\r\nMaya combines academic interests in economic development and poverty alleviation with a wide array of experiences in research and multi-sectoral policy development &amp; implementation. Most recently, she co-led two nationwide behavioral economics experiments on HIV test uptake with a public health and social entrepreneurship laboratory in Guangzhou, China. She is interested in the ways in which microeconomic theory and behavioral insights can be used to design informal and formal social programs and institutions.\r\n\r\nMaya studies economics and mathematics as a Robertson Scholar at Duke University and will graduate in May 2018. She was named a 2017 United States Truman Scholar. In her free time, she can usually be found wandering through mountains and canyons in the American Southwest.</div>\r\n</div>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#ffffff\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" bg_image=\"7841\"][vc_column][vc_row_inner css=\".vc_custom_1483453346740{margin-bottom: 30px !important;}\"][vc_column_inner][vc_custom_heading text=\"ADVISORS\" 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=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24 ptitle-border-red\"]Catalyst\'s advisors being deep sector expertise and thought leadership to guide our strategy and implementation.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1483514478888{margin-bottom: 30px !important;}\"][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"ALLEN WEINBERG\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1486445347167{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fwww.linkedin.com%2Fin%2Fallen-weinberg-0155%3Ftrk%3Dprof-samename-name||target:%20_blank|\"][vc_custom_heading text=\"Partner/Co-Founder\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487851713182{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"Glenbrook Partners\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1486444189952{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"LEORA KLAPPER\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1498630768489{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fwww.linkedin.com%2Fin%2Fleora-klapper-24105478||target:%20_blank|\"][vc_custom_heading text=\"Lead Economist\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1498630865051{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"World Bank\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1498630903695{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"NITIN MANTRI\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488797685329{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fwww.linkedin.com%2Fmessaging%2Fthread%2F6242557045191606272%2F||target:%20_blank|\"][vc_custom_heading text=\"CEO\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488797709804{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"Avian Media\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488797719470{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"PAWAN BAKHSHI\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1498735370480{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fwww.linkedin.com%2Fin%2Fpawan-bakhshi-ph-d-7461411%2F||target:%20_blank|\"][vc_custom_heading text=\"India Lead - Financial Services for the Poor\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488797833022{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"Bill &amp; Melinda Gates Foundation\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488797847586{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1486444525955{margin-bottom: 30px !important;}\"][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"PRAVEEN KHANDELWAL\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1486445418505{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fin.linkedin.com%2Fin%2Fpraveen-khandelwal-95b68614||target:%20_blank|\"][vc_custom_heading text=\"Secretary-General\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487851739567{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"Confederation of All India Traders\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1486444491047{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"RAJESH BANSAL\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1486445506996{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fwww.linkedin.com%2Fin%2Frajesh-bansal-b81b8655||target:%20_blank|\"][vc_custom_heading text=\"Senior Partner\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487851763311{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\" Bankable Frontier Associates\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487852170655{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"RENANA JHABVALA\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487851646864{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"National Coordinator\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487851685527{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"SEWA Bank\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487851730358{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"SMITA AGGARWAL\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488797535842{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fwww.linkedin.com%2Fin%2Fsmitaaggarwal0%2F||target:%20_blank|\"][vc_custom_heading text=\"Director - Investments\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488805228673{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"Omidyar Networks\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488805290165{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1486444525955{margin-bottom: 30px !important;}\"][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"VARAD PANDE\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485524261697{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fin.linkedin.com%2Fin%2Fvarad-pande||target:%20_blank|\"][vc_custom_heading text=\"Financial Inclusion Partner\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487851790538{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"Dalberg Social Advisors\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:26px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1486448801652{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"VIVEK WADHWA\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1497429263011{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fwww.linkedin.com%2Fin%2Fvwadhwa%2F||target:%20_blank|\"][vc_custom_heading text=\"Distinguished Fellow\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1497432554753{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"Carnegie Mellon University\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:26px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1497432533660{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#ffffff\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" bg_image=\"7841\"][vc_column][vc_row_inner disable_element=\"yes\" css=\".vc_custom_1507546027858{margin-bottom: 30px !important;}\" el_class=\"phide\"][vc_column_inner][vc_custom_heading text=\"STEERING COMMITTEE\" 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_1488897245055{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24 ptitle-border-red\"]Catalyst\'s Steering Committee represents current donors and IFMR to provide governance and oversight.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner disable_element=\"yes\" css=\".vc_custom_1507546058003{margin-bottom: 30px !important;}\" el_class=\"phide\"][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"CATHERINE HIGHET\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485524574339{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fwww.linkedin.com%2Fin%2Fcatherine-highet-a924094||target:%20_blank|\"][vc_custom_heading text=\"Technical Advisor\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485524589333{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"mSTAR at FHI 360\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487851957847{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"MATTHEW HOMER\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485524352186{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fwww.linkedin.com%2Fin%2Fmatthomer||target:%20_blank|\"][vc_custom_heading text=\"Senior Policy Advisor, Digital Finance\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485524369704{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"USAID (Washington, D.C.)\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487851977845{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"MUKESH SADANA\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1486124189989{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fin.linkedin.com%2Fin%2Fmukeshsadana||target:%20_blank|\"][vc_custom_heading text=\"Project Management Specialist\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485524452125{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"USAID (New Delhi)\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487851994689{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"SHARON BUTEAU\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485524505107{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fin.linkedin.com%2Fin%2Fsharon-buteau-25b0452||target:%20_blank|\"][vc_custom_heading text=\"Executive Director\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485524522184{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"IFMR Lead\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487852009309{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][vc_row_inner disable_element=\"yes\" css=\".vc_custom_1507546070393{margin-bottom: 30px !important;}\" el_class=\"phide\"][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"BADAL MALICK\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488897412786{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fwww.linkedin.com%2Fin%2Fbadalmalick||target:%20_blank|\"][vc_custom_heading text=\"CEO\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488897426669{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"Catalyst\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488897458812{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner el_class=\"phide\" width=\"1/4\"][vc_custom_heading text=\"MATTHEW HOMER\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485524352186{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fwww.linkedin.com%2Fin%2Fmatthomer||target:%20_blank|\"][vc_custom_heading text=\"Senior Policy Advisor, Digital Finance\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485524369704{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"USAID (Washington, D.C.)\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487851977845{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner el_class=\"phide\" width=\"1/4\"][vc_custom_heading text=\"MUKESH SADANA\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1486124189989{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fin.linkedin.com%2Fin%2Fmukeshsadana||target:%20_blank|\"][vc_custom_heading text=\"Project Management Specialist\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485524452125{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"USAID (New Delhi)\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487851994689{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][/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=\"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_1526060498257{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">CATALYST is an initiative funded by USAID under the mSTAR Program, through funding provided to FHI 360. Housed within IFMR LEAD, the initiative aims to expand digital payments and financial inclusion in India, especially for small merchants and low-income consumers.</p>\r\n\r\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\r\n\r\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'People-1', '', 'pending', 'closed', 'closed', '', 'people-2', '', '', '2018-06-29 10:29:05', '2018-06-29 10:29:05', '', 0, 'http://cashlesscatalyst.org/?page_id=15087', 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
(24294, 13, '2018-07-11 13:54:39', '2018-07-11 13:54:39', '[vc_row full_height=\"yes\" equal_height=\"yes\" content_placement=\"middle\" text_align=\"center\" type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"110\" padding_bottom=\"0\" bg_image=\"24295\"][vc_column][kleo_gap size=\"100px\"][vc_row_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][vc_column_inner el_class=\"uppercase\" width=\"2/3\"][vc_custom_heading text=\"UNLOCKING FINANCE FOR SMALL MERCHANTS - FROM DIGITAL DATA TO DIGITAL CREDIT\" font_container=\"tag:h2|font_size:48px|text_align:center|color:%23ffffff|line_height:54px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"130px\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"10\" padding_bottom=\"0\"][vc_column width=\"1/2\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"5/12\" css=\".vc_custom_1504265033147{padding-right: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1504265063058{padding-left: 0px !important;}\"][vc_column_text letter_spacing=\"\"][addtoany][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1504265782417{padding-right: 0px !important;padding-left: 0px !important;}\"][kleo_button title=\"Print this page\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/09/unlocking-finance-small-merchants.pdf\" target=\"_blank\" style=\"custom\" position=\"left\" size=\"lg\" special=\"no\" border=\"no\" icon=\"print\" font_size=\"16px\" letter_spacing=\"\" el_class=\"grey-icon\" custom_text=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"24312\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1531318139818{padding-top: 17px !important;}\"][/vc_column_inner][vc_column_inner width=\"3/4\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]Kamal Singh, a 40-year-old tea vendor in the walled city area of Jaipur has been running his family’s tea shop for two generations. As we arrive, Kamal is busy serving tea and biscuits to office-goers who are sitting on a row in a small iron bench outside the shop. Rakesh Singh, his 70-year-old father, is mixing milk and tea in a burning aluminum vessel in a corner in the shop.\r\n\r\nThe visible inventory in the shop is scant – a couple of big glass jars filled with biscuits, a few packets of plastic tea cups and some freshly bought sachets of milk from the local diary. Early on in our conversation, Kamal tells us that he needs around one lakh rupees to expand his business. While he did apply for a loan from a formal financial institution, his application was rejected.\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"100\" padding_bottom=\"100\" el_class=\"uppercase\" bg_image=\"24303\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"24296\" alignment=\"center\"][vc_custom_heading text=\"FINANCING THE ‘MISSING MIDDLE’ \" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23ffffff|line_height:46px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1533035782314{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]Millions of microentrepreneurs such as Kamal are unable to access working capital loans from banks and financial institutions due to lack of formal financial histories. In such a scenario, digitizing merchant payments generate data trails that can be used by a financial service provider to assess the credit worthiness of small merchants and extend loans.\r\n\r\nAs part of a pilot initiative to test this hypothesis, Catalyst has partnered with a financial service provider to provide a sample of small merchants with a Point of Sale (PoS) machine to digitize payments by customers. During the onboarding process for the pilot, we demonstrate the PoS machine to Kamal and help him with instructions on how to operate it. We also tell him that if he encourages his customers to pay by card even for small transactions – a lending agency will be able to see his monthly transaction data, and offer him a formal loan. Once a small ticket size loan is disbursed by the lender, the daily interest payment due on the loan can be deducted directly from the payments received from the card swipes at the POS. Kamal is intrigued by the proposition and seems convinced that using the POS machine can help him get a loan.\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\"][vc_column][vc_single_image image=\"24305\" alignment=\"center\"][vc_custom_heading text=\"HIGH COSTS - A BARRIER TO GOING DIGITAL \" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23000000|line_height:46px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1533035845782{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]Following the onboarding to the machine, we explain to Kamal the upfront cost and the rental cost of buying and maintaining a PoS machine. At this stage, we see a hesitation on Kamal’s face. The upfront cost of buying the machine is upwards of Rs. 2000 and he needs to pay an additional rental fee of Rs. 250 per month to maintain this machine. These costs are over and above the daily interest on the loan amount that he wishes to borrow.\r\n\r\n“The cost of buying and renting the machine is quite high for me. It is also challenging to convince my customers to pay digitally for small transactions.”\r\n\r\nHearing about the various indirect costs associated with acquiring and using the PoS machine, Kamal’s interest in the loan product has visibly dwindled. Moreover, his customers undertake transactions of small ticket sizes and he is doubtful about nudging them to pay him digitally.\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"100\" padding_bottom=\"100\" el_class=\"uppercase\" bg_image=\"24297\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"24308\" alignment=\"center\"][vc_custom_heading text=\"LEARNING BY ITERATING\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23ffffff|line_height:46px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1533035881798{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]\r\nOur conversations with Kamal gives us important insights into the operational challenges related to testing our hypotheses of bundling digital payments with credit propositions. We are back to the drawing board and are working on an iteration of the pilot.\r\n\r\nIn the next phase, we will introduce a no/low cost payment alternative for small merchants such as Unified Payments Interface (UPI) to help them overcome the cost barriers associated with purchasing and renting a PoS machine. Using our iterative design and learning process, we will also continue to gather deeper insights into the factors that influence merchants and the customer’s willingness to adopt digital payments for small transactions at retail shops such as the one run by Kamal and his family.\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row][vc_column][kleo_button title=\"Download\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/09/unlocking-finance-small-merchants.pdf\" target=\"_blank\" position=\"center\" size=\"lg\" type=\"boxed-icon\" special=\"no\" icon=\"download\" font_size=\"14\" letter_spacing=\"\" el_class=\"pkirbtn\" icon_custom_background=\"#d11e3c\" icon_custom_text=\"#ffffff\"][/vc_column][/vc_row]', 'Unlocking finance for small merchants — from digital data to digital credit', '', 'publish', 'closed', 'closed', '', 'unlocking-finance-small-merchants-digital-data-digital-credit', '', '', '2018-11-15 08:14:09', '2018-11-15 08:14:09', '', 0, 'http://cashlesscatalyst.org/?page_id=24294', 0, 'page', '', 0),
(14564, 13, '2018-05-25 12:57:01', '2018-05-25 12:57:01', ' ', '', '', 'publish', 'closed', 'closed', '', '14564', '', '', '2019-11-07 07:39:36', '2019-11-07 07:39:36', '', 0, 'http://cashlesscatalyst.org/?p=14564', 22, 'nav_menu_item', '', 0),
(16375, 13, '2018-06-12 07:09:36', '2018-06-12 07:09:36', '', 'These five startups are taking fintech to the last mile', '', 'publish', 'closed', 'open', '', 'five-startups-taking-fintech-last-mile', '', '', '2018-06-12 07:16:03', '2018-06-12 07:16:03', '', 0, 'http://cashlesscatalyst.org/?p=16375', 12, 'post', '', 0),
(16376, 13, '2018-06-12 07:09:23', '2018-06-12 07:09:23', '', 'five-startups-taking-fintech-last-mile', '', 'inherit', 'closed', 'closed', '', 'five-startups-taking-fintech-last-mile', '', '', '2018-06-12 07:09:23', '2018-06-12 07:09:23', '', 16375, 'http://cashlesscatalyst.org/wp-content/uploads/2018/06/five-startups-taking-fintech-last-mile.jpg', 0, 'attachment', 'image/jpeg', 0),
(15358, 13, '2018-06-07 15:47:23', '2018-06-07 15:47:23', '', '1-(33)', '', 'inherit', 'closed', 'closed', '', '1-33', '', '', '2018-06-07 15:47:23', '2018-06-07 15:47:23', '', 15315, 'http://cashlesscatalyst.org/wp-content/uploads/2018/06/1-33.jpg', 0, 'attachment', 'image/jpeg', 0),
(15359, 13, '2018-06-07 15:49:57', '2018-06-07 15:49:57', '', 'cooking', '', 'inherit', 'closed', 'closed', '', 'cooking', '', '', '2018-06-07 15:49:57', '2018-06-07 15:49:57', '', 15315, 'http://cashlesscatalyst.org/wp-content/uploads/2018/06/cooking.jpg', 0, 'attachment', 'image/jpeg', 0),
(15362, 13, '2018-06-07 15:54:34', '2018-06-07 15:54:34', '', 'What-Cooking-in-our-Digital-Payments-Lab', '', 'inherit', 'closed', 'closed', '', 'what-cooking-in-our-digital-payments-lab', '', '', '2018-06-07 15:54:34', '2018-06-07 15:54:34', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/06/What-Cooking-in-our-Digital-Payments-Lab.pdf', 0, 'attachment', 'application/pdf', 0),
(24292, 13, '2018-07-11 13:38:47', '2018-07-11 13:38:47', '', 'Gen-Next', '', 'inherit', 'closed', 'closed', '', 'gen-next-2', '', '', '2018-07-11 13:38:47', '2018-07-11 13:38:47', '', 24269, 'http://cashlesscatalyst.org/wp-content/uploads/2018/07/Gen-Next-1.png', 0, 'attachment', 'image/png', 0),
(15085, 13, '2018-06-05 10:51:42', '2018-06-05 10:51:42', '[vc_row <div style=\"display:none\"><a href=\"http://wiki-strength.pro/strength-and-muscle-blog/shoulder-exercises.html\" title=\"Shoulder exercises\">Shoulder exercises</a></div> content_placement=\"top\" padding_top=\"0\" padding_bottom=\"0\"][vc_column][vc_row_inner content_placement=\"top\"][vc_column_inner][vc_single_image image=\"15123\" img_size=\"full\" alignment=\"center\" full_width=\"yes\" animation=\"animate-when-almost-visible\" css_animation=\"left-to-right\" css=\".vc_custom_1528195972333{margin-bottom: 0px !important;padding-bottom: 10px !important;}\"][vc_custom_heading text=\"Mr. Sanjay Swamy\" font_container=\"tag:h2|font_size:20px|text_align:center|color:%23d01f3c|line_height:26px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1528195880850{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: <div style=\"display:none\"><a href=\"http://info-health.best/health-articles/cracks-in-the-heels-causes-and-treatment-at-home.html\" title=\"Cracks in the heels\">Cracks in the heels</a></div> 0px !important;}\"][vc_column_text text_color=\"#555555\" font_size=\"16px\" letter_spacing=\"\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" el_class=\"lh22\" css=\".vc_custom_1528195838838{margin-top: -10px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\"><em>Managing Partner &amp; Co-Founder Prime Venture Partners</em></p>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]<em>Catalyst <div style=\"display:none\"><a href=\"http://blog-workout.com/workout-blog/gymnastics-stretching-and-fitball-exercises.html\" title=\"Gymnastics\">Gymnastics</a></div> recently caught up with Mr. Sanjay Swamy on the promising innovations in the fintech and payments space in India.</em>[/vc_column_text][vc_empty_space height=\"20px\"][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#555555\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1528196385697{margin-top: 0px !important;padding-top: 0px !important;}\"]\r\n<div class=\"pred\"><strong>Merchant digital payment acceptance in India is still low at less than 5%. Why is small merchants / business digitisation particularly thorny? Is there a silver bullet here?</strong></div>\r\nDigital Payments have been slow to find adoption in the offline world in India. Three key reasons have come in the way of digital payment acceptance for small merchants.\r\nFirst, the friction to be included in the system - merchant acquirers have fairly complex requirements for the same\r\nSecond, post the one-time onboarding effort, there are several fundamental attributes of cash that digital payments do not have. This includes realization of full value - vs. transaction costs, instant settlement vs. next-day or T+2 settlements, anonymity vs. identified users - consumers often do not want to disclose their name or mobile number to merchants, and finally, traceability of transactions for merchants not wanting to report - though this is made out to be a lot bigger than I believe it is.\r\nThe third big reason for the slow uptake has been the inability and unwillingness of the payments service providers to invest in acquisition or education of the small merchant eco-system - largely because of the high costs of on-boarding and low relative ROI. Simplified KYC and/or restricting acceptance to debit-like instruments could make it possible to streamline the same and make it easy for one to start accept digital payments.\r\n\r\n&nbsp;\r\n<div class=\"pred\"><strong>With sales of feature phones on the upswing, how critical is the need for non-smartphone friendly solutions? How do we devise efficient workflows for feature phone driven payment solutions? Are there any exciting innovations here to look out for?</strong></div>\r\nNon-SmartPhone solutions are an ice-cube in the sun - it is clear that in the next two years the market will move entirely to smartphones and I for one am dubious about any innovations in the feature phone area having any meaningful adoption. I personally am not looking to invest in feature phone-based solutions in banking and payments. The Smartphone is the #1 aspirational product that non-smartphone users have today. I strongly advise entrepreneurs to ignore the current feature-phone market as it is not here to stay. I may be entirely wrong, but that is my view of the world.\r\n\r\n&nbsp;\r\n<div class=\"pred\"><strong>We have seen UPI overtake PPIs in uptake, on the other hand, the full-KYC mandate has affected <div style=\"display:none\"><a href=\"http://erektil-dysfunktion-specialist.net/sildenafil/kobe-sildigra-100mg-i-danmark-online.html\">Kobe Sildigra 100mg I Danmark Online</a></div> an erosion of user-base for PPIs with less than 10% of users updating to full KYC. Where do you see PPIs going from here? Is there a business case for PPIs even now, or is it the end of the road for them?</strong></div>\r\nUPI by itself isnï¿½t the threat to PPIï¿½s - it actually brings PPIï¿½s on par with the banks from an interoperability perspective. However, it is clear that this is the end-of-the-road for vanilla PPIï¿½s, as the benefit over a traditional savings bank account has gone away. However, Iï¿½m glad to see the more successful PPIï¿½s innovating rapidly and bringing a differentiated experience, becoming marketplaces for credit. The ongoing success of a PPI will be a result of their ability to continue to innovate ahead of banks.\r\n\r\n&nbsp;\r\n<div class=\"pred\"><strong>UPI and Aadhaar Pay are powerful but still relatively nascent technologies that are growing and improving rapidly. At this stage, what are the key macro strategies to accelerate this growth?</strong></div>\r\nUPI is off to a rollicking start in the P2P payments space as it is a friction-free, zero-cost real-time solution. Aadhaar Pay on the other hand has a long-way to go before it hits any critical mass. The key to the success of both these technologies is investment in acceptance, and as these get universally accepted, you will see a lot more adoption.\r\n\r\n&nbsp;\r\n<div class=\"pred\"><strong>Prime Ventures has invested in several Fintech startups (for instance, Niyo) which digitize different elements of business activity such as payroll management, invoice discounting etc. Thus far, innovation has been restricted largely to the formal economy. How do you suggest innovation for the much larger informal sector be incentivised?</strong></div>\r\nFinancial Inclusion has been a key focus area for startups. However viable business models have yet to emerge. We are continuously evaluating such companies for investment, and Iï¿½m guessing we will start seeing viable companies emerge soon. The formal economy is very innovation ready, which is why we have backed several companies that are making financial services more accessible and providing a better experience for end-users - whether consumers or businesses.\r\n\r\n&nbsp;\r\n<div class=\"pred\"><strong>Outside your own portfolio, what are the two fintech companies to look out for? And whatï¿½s the next biggest payments idea that you are placing bets on? </strong></div>\r\nRather than name anyone, at Prime Venture Partners, weï¿½re constantly on the lookout for fintech entrepreneurs who have a differentiated understanding of the market, have a product innovation that is valuable to a large customer base, and have a distribution strategy that is cleverly scalable - at least over time. The next big payments idea Iï¿½m looking to back is hopefully the one the reader of this is working on, and Iï¿½m always happy to chat, brainstorm and if possible invest![/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]', 'A conversation with \'The Swamy\', Managing Partner & Co-Founder Prime Venture Partners', 'What are the two biggest hits and misses respectively in the recent development of India’s digital payments ecosystem from your vantage point, as they relate to financial inclusion?', 'publish', 'closed', 'open', '', 'tete-tete-mr-sanjay-swamy-managing-partner-co-founder-prime-venture-partners', '', '', '2018-06-08 14:45:13', '2018-06-08 14:45:13', '', 0, 'http://cashlesscatalyst.org/?p=15085', 14, 'post', '', 0),
(15091, 13, '2018-06-05 08:26:22', '2018-06-05 08:26:22', '', 'bharadwaj_adiraju', '', 'inherit', 'closed', 'closed', '', 'bharadwaj_adiraju', '', '', '2018-06-05 08:26:22', '2018-06-05 08:26:22', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/06/bharadwaj_adiraju.png', 0, 'attachment', 'image/png', 0),
(15092, 13, '2018-06-05 08:26:23', '2018-06-05 08:26:23', '', 'myla_swallow', '', 'inherit', 'closed', 'closed', '', 'myla_swallow', '', '', '2018-06-05 08:26:23', '2018-06-05 08:26:23', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/06/myla_swallow.png', 0, 'attachment', 'image/png', 0),
(15093, 13, '2018-06-05 08:26:24', '2018-06-05 08:26:24', '', 'nithya', '', 'inherit', 'closed', 'closed', '', 'nithya', '', '', '2018-06-05 08:26:24', '2018-06-05 08:26:24', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/06/nithya.png', 0, 'attachment', 'image/png', 0),
(15094, 13, '2018-06-05 08:26:25', '2018-06-05 08:26:25', '', 'raghav_katyal', '', 'inherit', 'closed', 'closed', '', 'raghav_katyal', '', '', '2018-06-05 08:26:25', '2018-06-05 08:26:25', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/06/raghav_katyal.png', 0, 'attachment', 'image/png', 0),
(15095, 13, '2018-06-05 08:26:26', '2018-06-05 08:26:26', '', 'samrudhi_khanna', '', 'inherit', 'closed', 'closed', '', 'samrudhi_khanna', '', '', '2018-06-05 08:26:26', '2018-06-05 08:26:26', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/06/samrudhi_khanna.png', 0, 'attachment', 'image/png', 0),
(23078, 13, '2018-07-04 13:07:14', '2018-07-04 13:07:14', '', 'BHIM', '', 'inherit', 'closed', 'closed', '', 'bhim', '', '', '2018-07-04 13:07:14', '2018-07-04 13:07:14', '', 12122, 'http://cashlesscatalyst.org/wp-content/uploads/2018/02/BHIM.jpg', 0, 'attachment', 'image/jpeg', 0),
(15123, 13, '2018-06-05 10:52:44', '2018-06-05 10:52:44', '', 'sanjay', '', 'inherit', 'closed', 'closed', '', 'sanjay', '', '', '2018-06-05 10:52:44', '2018-06-05 10:52:44', '', 15085, 'http://cashlesscatalyst.org/wp-content/uploads/2018/06/sanjay.jpg', 0, 'attachment', 'image/jpeg', 0),
(15148, 13, '2018-06-05 14:05:26', '2018-06-05 14:05:26', '', 'photos06', '', 'inherit', 'closed', 'closed', '', 'photos06', '', '', '2018-06-05 14:05:26', '2018-06-05 14:05:26', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/06/photos06.png', 0, 'attachment', 'image/png', 0),
(24311, 13, '2018-07-11 14:05:00', '2018-07-11 14:05:00', '', 'unlocking-finance-small-merchants', '', 'inherit', 'closed', 'closed', '', 'unlocking-finance-small-merchants', '', '', '2018-07-11 14:05:00', '2018-07-11 14:05:00', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/07/unlocking-finance-small-merchants.pdf', 0, 'attachment', 'application/pdf', 0),
(24312, 13, '2018-07-11 14:08:51', '2018-07-11 14:08:51', '', 'kamal_singh', '', 'inherit', 'closed', 'closed', '', 'kamal_singh', '', '', '2018-07-11 14:08:51', '2018-07-11 14:08:51', '', 24294, 'http://cashlesscatalyst.org/wp-content/uploads/2018/07/kamal_singh.png', 0, 'attachment', 'image/png', 0),
(31170, 12, '2018-10-08 15:49:00', '2018-10-08 15:49:00', '', 'shabana', '', 'inherit', 'closed', 'closed', '', 'shabana', '', '', '2018-10-08 15:49:00', '2018-10-08 15:49:00', '', 31075, 'https://cashlesscatalyst.org/wp-content/uploads/2018/10/shabana.jpg', 0, 'attachment', 'image/jpeg', 0),
(18634, 12, '2018-06-21 12:37:42', '2018-06-21 12:37:42', '', 'Jayshree', '', 'inherit', 'closed', 'closed', '', 'jayshree', '', '', '2018-06-21 12:37:42', '2018-06-21 12:37:42', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/06/Jayshree.png', 0, 'attachment', 'image/png', 0),
(18635, 12, '2018-06-21 12:37:44', '2018-06-21 12:37:44', '', 'john', '', 'inherit', 'closed', 'closed', '', 'john', '', '', '2018-06-21 12:37:44', '2018-06-21 12:37:44', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/06/john.png', 0, 'attachment', 'image/png', 0),
(39899, 12, '2019-01-04 07:56:00', '2019-01-04 07:56:00', '', 'inter-6', '', 'inherit', 'closed', 'closed', '', 'inter-6', '', '', '2019-01-04 07:56:00', '2019-01-04 07:56:00', '', 39883, 'https://cashlesscatalyst.org/wp-content/uploads/2019/01/inter-6.jpg', 0, 'attachment', 'image/jpeg', 0),
(24872, 12, '2018-07-24 19:47:37', '2018-07-24 19:47:37', '', 'Price Report Short 20 June edited-min', '', 'inherit', 'closed', 'closed', '', 'price-report-short-20-june-edited-min', '', '', '2018-07-24 19:47:37', '2018-07-24 19:47:37', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/07/Price-Report-Short-20-June-edited-min.pdf', 0, 'attachment', 'application/pdf', 0),
(25652, 12, '2018-08-30 16:23:08', '2018-08-30 16:23:08', '', 'merchants-with-eMitras', '', 'inherit', 'closed', 'closed', '', 'merchants-with-emitras', '', '', '2018-08-30 16:23:08', '2018-08-30 16:23:08', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/08/merchants-with-eMitras.pdf', 0, 'attachment', 'application/pdf', 0),
(25141, 12, '2018-08-07 11:16:25', '2018-08-07 11:16:25', '', 'a8ff04e0-30a0-4c19-b989-d4255cbe2967', '', 'inherit', 'closed', 'closed', '', 'a8ff04e0-30a0-4c19-b989-d4255cbe2967', '', '', '2018-08-07 11:16:25', '2018-08-07 11:16:25', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/08/a8ff04e0-30a0-4c19-b989-d4255cbe2967.jpg', 0, 'attachment', 'image/jpeg', 0),
(24290, 13, '2018-07-11 13:33:12', '2018-07-11 13:33:12', '', 'gen_next_chit_funds_from_dusty_dabbas', '', 'inherit', 'closed', 'closed', '', 'gen_next_chit_funds_from_dusty_dabbas', '', '', '2018-07-11 13:33:12', '2018-07-11 13:33:12', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/07/gen_next_chit_funds_from_dusty_dabbas.pdf', 0, 'attachment', 'application/pdf', 0),
(26346, 12, '2018-09-21 05:58:43', '2018-09-21 05:58:43', '', 'inner-banner-2', '', 'inherit', 'closed', 'closed', '', 'inner-banner-2-5', '', '', '2018-09-21 05:58:43', '2018-09-21 05:58:43', '', 26240, 'https://cashlesscatalyst.org/wp-content/uploads/2018/09/inner-banner-2-3.jpg', 0, 'attachment', 'image/jpeg', 0),
(26347, 12, '2018-09-21 05:58:56', '2018-09-21 05:58:56', '', 'inner-banner-3', '', 'inherit', 'closed', 'closed', '', 'inner-banner-3-2', '', '', '2018-09-21 05:58:56', '2018-09-21 05:58:56', '', 26240, 'https://cashlesscatalyst.org/wp-content/uploads/2018/09/inner-banner-3.jpg', 0, 'attachment', 'image/jpeg', 0),
(26348, 12, '2018-09-21 05:59:07', '2018-09-21 05:59:07', '', 'inner-banner-4', '', 'inherit', 'closed', 'closed', '', 'inner-banner-4', '', '', '2018-09-21 05:59:07', '2018-09-21 05:59:07', '', 26240, 'https://cashlesscatalyst.org/wp-content/uploads/2018/09/inner-banner-4.jpg', 0, 'attachment', 'image/jpeg', 0),
(26349, 12, '2018-09-21 05:59:19', '2018-09-21 05:59:19', '', 'inner-banner-5', '', 'inherit', 'closed', 'closed', '', 'inner-banner-5', '', '', '2018-09-21 05:59:19', '2018-09-21 05:59:19', '', 26240, 'https://cashlesscatalyst.org/wp-content/uploads/2018/09/inner-banner-5.jpg', 0, 'attachment', 'image/jpeg', 0),
(32277, 12, '2018-10-11 20:57:35', '2018-10-11 20:57:35', '', 'urbanjpg', '', 'inherit', 'closed', 'closed', '', 'urbanjpg', '', '', '2018-10-11 20:58:18', '2018-10-11 20:58:18', '', 0, 'https://cashlesscatalyst.org/wp-content/uploads/2018/10/urbanjpg.jpg', 0, 'attachment', 'image/jpeg', 0),
(29259, 12, '2018-10-03 07:28:03', '2018-10-03 07:28:03', '', 'digital_payment', '', 'inherit', 'closed', 'closed', '', 'digital_payment', '', '', '2018-10-03 07:58:33', '2018-10-03 07:58:33', '', 0, 'https://cashlesscatalyst.org/wp-content/uploads/2018/10/digital_payment.jpg', 0, 'attachment', 'image/jpeg', 0),
(25907, 12, '2018-09-11 12:01:40', '2018-09-11 12:01:40', '', 'gaurav-raina', '', 'inherit', 'closed', 'closed', '', 'gaurav-raina', '', '', '2018-09-11 12:01:40', '2018-09-11 12:01:40', '', 25905, 'https://cashlesscatalyst.org/wp-content/uploads/2018/09/gaurav-raina.jpg', 0, 'attachment', 'image/jpeg', 0),
(24307, 13, '2018-07-11 13:59:40', '2018-07-11 13:59:40', '', 'Learning', '', 'inherit', 'closed', 'closed', '', 'learning-3', '', '', '2018-07-11 13:59:40', '2018-07-11 13:59:40', '', 24294, 'http://cashlesscatalyst.org/wp-content/uploads/2018/07/Learning-1.png', 0, 'attachment', 'image/png', 0),
(24308, 13, '2018-07-11 14:00:36', '2018-07-11 14:00:36', '', 'Learning', '', 'inherit', 'closed', 'closed', '', 'learning-4', '', '', '2018-07-11 14:00:36', '2018-07-11 14:00:36', '', 24294, 'http://cashlesscatalyst.org/wp-content/uploads/2018/07/Learning-2.png', 0, 'attachment', 'image/png', 0),
(24976, 12, '2018-08-02 11:00:12', '2018-08-02 11:00:12', '', 'puneet-gupta', '', 'inherit', 'closed', 'closed', '', 'puneet-gupta', '', '', '2018-08-02 11:00:12', '2018-08-02 11:00:12', '', 24681, 'http://cashlesscatalyst.org/wp-content/uploads/2018/07/puneet-gupta.png', 0, 'attachment', 'image/png', 0),
(25430, 12, '2018-08-21 06:21:13', '2018-08-21 06:21:13', '', 'bnner', '', 'inherit', 'closed', 'closed', '', 'bnner-5', '', '', '2018-08-21 06:21:13', '2018-08-21 06:21:13', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/08/bnner.jpg', 0, 'attachment', 'image/jpeg', 0),
(25431, 12, '2018-08-21 06:22:11', '2018-08-21 06:22:11', '', 'finposium-10-banner', '', 'inherit', 'closed', 'closed', '', 'finposium-10-banner', '', '', '2018-08-21 06:22:11', '2018-08-21 06:22:11', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/08/finposium-10-banner.jpg', 0, 'attachment', 'image/jpeg', 0),
(18636, 12, '2018-06-21 12:37:45', '2018-06-21 12:37:45', '', 'varinder', '', 'inherit', 'closed', 'closed', '', 'varinder', '', '', '2018-06-21 12:37:45', '2018-06-21 12:37:45', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/06/varinder.png', 0, 'attachment', 'image/png', 0),
(24683, 12, '2018-07-16 14:27:40', '2018-07-16 14:27:40', '', 'inner-banner-new', '', 'inherit', 'closed', 'closed', '', 'inner-banner-new', '', '', '2018-07-16 14:27:40', '2018-07-16 14:27:40', '', 24681, 'http://cashlesscatalyst.org/wp-content/uploads/2018/07/inner-banner-new.jpg', 0, 'attachment', 'image/jpeg', 0),
(25084, 12, '2018-08-06 14:26:32', '2018-08-06 14:26:32', '[vc_row inner_container=\"no\"][vc_column][vc_row_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"10/12\"][vc_custom_heading text=\"OUR ROLE - BOTH THAT OF A SPEEDBOAT AND TUGBOAT\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488952925715{margin-top: 20px !important;margin-bottom: 50px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"1/6\" css=\".vc_custom_1489062234491{margin-right: 0px !important;margin-left: 0px !important;padding-right: .5% !important;padding-left: .5% !important;}\"][vc_single_image image=\"9906\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489061316397{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/6\" css=\".vc_custom_1489062247167{margin-right: 0px !important;margin-left: 0px !important;padding-right: .5% !important;padding-left: .5% !important;}\"][vc_single_image image=\"9907\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489061425616{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/6\" css=\".vc_custom_1489062292531{margin-right: 0px !important;margin-left: 0px !important;padding-right: .5% !important;padding-left: .5% !important;}\"][vc_single_image image=\"9908\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489061455908{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/6\" css=\".vc_custom_1489062271812{margin-right: 0px !important;margin-left: 0px !important;padding-right: .5% !important;padding-left: .5% !important;}\"][vc_single_image image=\"9948\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489123606295{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/6\" css=\".vc_custom_1489062283868{margin-right: 0px !important;margin-left: 0px !important;padding-right: .5% !important;padding-left: .5% !important;}\"][vc_single_image image=\"9910\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489061592414{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row full_height=\"yes\" content_placement=\"middle\" type=\"image\" bg_position_horizontal=\"center\" bg_repeat=\"repeat-y\" bg_attachment=\"true\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"70\" padding_bottom=\"0\" margin_top=\"40\" margin_bottom=\"0\" bg_image=\"10061\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#ffffff\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"][timeline-express][/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"9937\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549447378124{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]', 'OUR ROLE - BOTH THAT OF A SPEEDBOAT AND TUGBOAT', '', 'publish', 'closed', 'closed', '', 'role-speedboat-tugboat', '', '', '2019-02-06 10:03:01', '2019-02-06 10:03:01', '', 0, 'http://cashlesscatalyst.org/?page_id=25084', 0, 'page', '', 0),
(40389, 23, '2019-02-06 10:03:01', '2019-02-06 10:03:01', '[vc_row inner_container=\"no\"][vc_column][vc_row_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"10/12\"][vc_custom_heading text=\"OUR ROLE - BOTH THAT OF A SPEEDBOAT AND TUGBOAT\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488952925715{margin-top: 20px !important;margin-bottom: 50px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"1/6\" css=\".vc_custom_1489062234491{margin-right: 0px !important;margin-left: 0px !important;padding-right: .5% !important;padding-left: .5% !important;}\"][vc_single_image image=\"9906\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489061316397{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/6\" css=\".vc_custom_1489062247167{margin-right: 0px !important;margin-left: 0px !important;padding-right: .5% !important;padding-left: .5% !important;}\"][vc_single_image image=\"9907\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489061425616{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/6\" css=\".vc_custom_1489062292531{margin-right: 0px !important;margin-left: 0px !important;padding-right: .5% !important;padding-left: .5% !important;}\"][vc_single_image image=\"9908\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489061455908{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/6\" css=\".vc_custom_1489062271812{margin-right: 0px !important;margin-left: 0px !important;padding-right: .5% !important;padding-left: .5% !important;}\"][vc_single_image image=\"9948\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489123606295{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/6\" css=\".vc_custom_1489062283868{margin-right: 0px !important;margin-left: 0px !important;padding-right: .5% !important;padding-left: .5% !important;}\"][vc_single_image image=\"9910\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489061592414{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row full_height=\"yes\" content_placement=\"middle\" type=\"image\" bg_position_horizontal=\"center\" bg_repeat=\"repeat-y\" bg_attachment=\"true\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"70\" padding_bottom=\"0\" margin_top=\"40\" margin_bottom=\"0\" bg_image=\"10061\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#ffffff\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"][timeline-express][/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"9937\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549447378124{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]', 'OUR ROLE - BOTH THAT OF A SPEEDBOAT AND TUGBOAT', '', 'inherit', 'closed', 'closed', '', '25084-revision-v1', '', '', '2019-02-06 10:03:01', '2019-02-06 10:03:01', '', 25084, 'https://cashlesscatalyst.org/media/25084-revision-v1/', 0, 'revision', '', 0),
(24540, 13, '2018-07-13 12:12:03', '2018-07-13 12:12:03', '', 'UNLOCKING', '', 'inherit', 'closed', 'closed', '', 'unlocking', '', '', '2018-07-13 12:12:03', '2018-07-13 12:12:03', '', 12173, 'http://cashlesscatalyst.org/wp-content/uploads/2018/02/UNLOCKING.jpg', 0, 'attachment', 'image/jpeg', 0);
INSERT INTO `in_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES
(40084, 12, '2019-01-17 07:50:53', '2019-01-17 07:50:53', '[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=\"40095\"][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=\"MARKERS OF TRUST: RECREATING DIGITAL ECOSYSTEMS FOR WOMEN IN LOW-INCOME CLUSTERS\" font_container=\"tag:h2|font_size:48px|text_align:center|color:%23ffffff|line_height:54px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"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/2019/01/MoT-Learning-Note.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 css=\".vc_custom_1537456868816{margin-bottom: 35px !important;}\"][vc_column_inner][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]Ecosystems, by definition, are living systems of relationships. To create enabling digital ecosystems, the nuts and bolts of living relationships must be recreated digitally. While most efforts aimed at promotion of digital payments focus on the more tangible aspects such as digital infrastructure, payment solutions, gadget ownership, and internet penetration, among others, there is a soft aspect that more often than not goes unexplored. Efforts at financial inclusion in the past decade focused on getting these soft aspects right, and similar concerns remain relevant in the context of digital financial inclusion today.\r\n\r\nCATALYST, a user-centric digital finance innovation platform for the underserved last mile, carried out a program of research projects and operational initiatives centered on a low-income cluster, Bhatta Basti (Shastri Nagar) in Jaipur where infrastructure and financial capabilities were low and the role of informal community institutions strong, compared to other low-income market clusters where CATALYST carried out its operations. A part of immersive qualitative research focusing on women who work across four employment categories – old clothes vendors, bangle makers, tie &amp; dye workers, and domestic workers – helped unpack existing ecosystems that these women operate in. This note focuses on markers of trust that would help in recreating a more inclusive and enabling digital ecosystem.\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#c9213b\" enable_parallax=\"false\" padding_top=\"150\" padding_bottom=\"150\" inline_style=\"font-style: normal;\" bg_image=\"40098\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"WOMEN IN BHATTA BASTI: THE CONTEXT\r\n\" font_container=\"tag:h2|font_size:26px|text_align:center|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=\"\" el_class=\"normal-style \"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\" inline_style=\"font-style: normal;\"][vc_column][vc_row_inner][vc_column_inner el_class=\"normal-style \"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]Bhatta Basti comprises women (and households) who belong to the lower socioeconomic strata of society – about 70 percent of the 190 surveyed women belonged to the scheduled castes/tribes or other backward castes, while 13 percent were categorized as minorities. At an average age of 35 and most of them married, these women support their household incomes through their employment in the four categories mentioned above. The average Bhatta Basti woman is literate without formal schooling; the education level is fairly comparable to their male counterparts in the locality.\r\n\r\nAadhaar penetration in the surveyed sample was almost universal at 99 percent, followed by 87 percent coverage of voter IDs and 74 percent Bhamashah (the Government of Rajasthan benefits program) card holders. Eighty-nine percent respondents reported having bank accounts with 87 percent of those linked to Aadhaar numbers. While bank account access and linkage was high, consistent usage was low; more than half of the respondents indicated not using their accounts in the past month and very few using banks to deposit their own savings. Very limited information was available on receipt of government benefits due to poor recall and/or privacy concerns of respondents.\r\n\r\nWomen in Bhatta Basti actively engaged in the economic lives of their families. While access to cash for household payments varies by purchase type, most women reported making payments on their own for daily household items, while some women even made payments for big utility items, including refrigerators and electronics. These women also indicated their willingness to use their own mobile phones, and also adopt digital payments. However, all reported payments use cases so far remained cash-based.\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#373b3c\" padding_top=\"150\" padding_bottom=\"150\" inline_style=\"font-style: normal;\" bg_image=\"40100\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"ECOSYSTEM RELATIONSHIPS AND MARKERS OF TRUST\" font_container=\"tag:h2|font_size:26px|text_align:center|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=\"\" el_class=\"normal-style \"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"normal-style\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]In this context of women in lower-income households who earn a considerable income and make day-to-day financial decisions, gender dynamics also come into play as these groups tend to follow traditionally patriarchal customs. Certain norms and implicit rules preserve the fabric of their socioeconomic lifestyle which has to be taken into account if the prevalent ecosystem has to be recreated digitally. Two important heuristics relevant to the digital payment context, based on qualitative insights, are described below.\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_custom_heading text=\"Heuristic 1: Ownership matters\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23da4a62|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\"]Since digital payments rely on digital infrastructure – bank accounts, smartphones and internet connection, primarily. Digital financial inclusion at an individual level means individual ownership of these.\r\n\r\nAs one would expect, going higher up on the economic ladder, the ownership of products and services becomes individual centered. Lower income means shared ownership to cut costs. Power comes into play and, typically, even if the household as a group owns two gadgets, it is clear that the member who holds more agency and autonomy will own the smartphone. It was found that this was not about gender alone but also dependent on occupations. Women selling old clothes, for example, held equal (if not more) agency and autonomy than men in the family than their counterparts who make bangles. This was because of the former had more independence in carrying out their businesses while the latter and were completely dependent on their agents.\r\n\r\n[/vc_column_text][vc_custom_heading text=\"Implications\" 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\"]\r\n<ul>\r\n 	<li>The gender context: If all digital products and services were, by default, centered on the use of smartphones and smartphone ownership was with men, the first step would be to strongly incentivize co-ownership for transactions alone. The man in the household, who might have ownership of the phone, needs to be convinced that he is a partner in progress of the household when the woman is able to use the phone for making digital payments through her accounts.</li>\r\n 	<li>The occupation context: In occupations where women hold equal agency and autonomy, a targeted intensive handholding approach could be devised. Since women showed an overwhelming willingness to learn, identifying women who could be champions of digital payments and handhold others could be the way forward to gain trust and manage cultural sensitivity.</li>\r\n</ul>\r\n[/vc_column_text][vc_custom_heading text=\"Heuristic 2: Employer-employee relationships\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23da4a62|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\"]There are also subtle but powerful dynamics between these women and their employers, particularly in cases where agency of the employee is important for the employer, for example, domestic workers. In a domestic worker-employer relationship, the pain-points for the employer, in most instances, are inconsistent patterns of leave and delay in work times. The pain-point for domestic workers lies in communicating about work delays and/or leave on time. The domestic workers earn an average of about INR 3,000 from about three to five employers. A digital solution can allow these women to consolidate payments from their employers, keep track of their schedules and leave, at the same time, keeping the employers informed about potential delays or leave.\r\n\r\n[/vc_column_text][vc_custom_heading text=\"Implications\" 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\"]\r\n<ul>\r\n 	<li>Rather than a narrow focus on digital payments, think of the employer-employee relationship as an opportunity for a bundle of services. Incentivize the employers, to encourage them to make digital payments to domestic workers. Incentivize workers by giving them talk time reimbursements, or variable pay based on leave taken or any such mutually fair benefit.</li>\r\n 	<li>Link all payments and government transfers to the account being used for salary transfers. Many government benefit transfers go unnoticed and unused in the bank accounts because the beneficiaries do not use their accounts and are unaware of their balance.</li>\r\n</ul>\r\n[/vc_column_text][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#c9213b\" padding_top=\"150\" padding_bottom=\"150\" inline_style=\"font-style: normal;\" bg_image=\"40101\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"MARKERS OF TRUST\" font_container=\"tag:h2|font_size:26px|text_align:center|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=\"\" el_class=\"normal-style \"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"normal-style\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]Looping back to the initial idea of an ecosystem as a system of living relationships, it is observed that even though these relationships are marked with inequality, the norms and variations are consistent and known to all the parties. Trust is therefore vital to the survival and growth of the ecosystem. In attempting to create a digital ecosystem, it is essential to recreate the markers of trust digitally as they are on the ground.\r\n\r\nThe first marker of trust is that all the parties in an existing relationship dynamic are equally invested. Otherwise they would not embrace an unknown system. In the case of working women, the dynamic not only includes men and the household, but also their employers, agents and the other economic actors that they interact with in the value chain. The two tricks of the trade above highlight how this dynamic works.\r\n\r\nThe second marker of trust would be an assurance against fear of the unknown. This could be achieved by intensive handholding and proactive grievance redressal. CATALYST’s efforts in Bhatta Basti with opening bank accounts and ATM pin generation were a good example of how this becomes an effective strategy in including the financially underserved.\r\n\r\nThe third marker of trust comes from incentivizing the early adopters in the community to become champions and role models where they help their peers through the digital journey. Information and communication from known and trusted sources would be a far more easy-sell for digital solutions than from the marketing and promotion activities of the solution itself.\r\n\r\nThe fourth marker of trust would be a process of community legitimization or validation. Since the community itself is a key stakeholder, the community should benefit. Public good or value must be created, in collective public terms, so as to not only endorse the digital ecosystem, but encourage it.\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][kleo_button title=\"Download full report\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2019/01/MoT-Learning-Note.pdf\" target=\"_blank\" position=\"center\" 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][/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_1549445060846{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]', 'MARKERS OF TRUST: RECREATING DIGITAL ECOSYSTEMS FOR WOMEN IN LOW-INCOME CLUSTERS', '', 'publish', 'closed', 'closed', '', 'markers-trust-recreating-digital-ecosystems-women-low-income-clusters', '', '', '2019-02-06 09:24:23', '2019-02-06 09:24:23', '', 0, 'https://cashlesscatalyst.org/?page_id=40084', 0, 'page', '', 0),
(25073, 12, '2018-08-06 13:57:29', '2018-08-06 13:57:29', '[vc_row padding_bottom=\"0\"][vc_column][rev_slider_vc alias=\"keyinsights\"][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"9937\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549447417446{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]', 'Key Insights for Consumers and Merchants', '', 'publish', 'closed', 'closed', '', 'key-insights-consumers-merchants', '', '', '2019-02-06 10:03:41', '2019-02-06 10:03:41', '', 0, 'http://cashlesscatalyst.org/?page_id=25073', 0, 'page', '', 0),
(40391, 23, '2019-02-06 10:03:41', '2019-02-06 10:03:41', '[vc_row padding_bottom=\"0\"][vc_column][rev_slider_vc alias=\"keyinsights\"][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"9937\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549447417446{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]', 'Key Insights for Consumers and Merchants', '', 'inherit', 'closed', 'closed', '', '25073-revision-v1', '', '', '2019-02-06 10:03:41', '2019-02-06 10:03:41', '', 25073, 'https://cashlesscatalyst.org/media/25073-revision-v1/', 0, 'revision', '', 0),
(22752, 13, '2018-07-03 11:53:31', '2018-07-03 11:53:31', '', 'Conversion-of-leads', '', 'inherit', 'closed', 'closed', '', 'conversion-of-leads', '', '', '2018-07-03 11:53:31', '2018-07-03 11:53:31', '', 22688, 'http://cashlesscatalyst.org/wp-content/uploads/2018/07/Conversion-of-leads.jpg', 0, 'attachment', 'image/jpeg', 0),
(24269, 13, '2018-07-11 13:19:09', '2018-07-11 13:19:09', '[vc_row full_height=\"yes\" equal_height=\"yes\" content_placement=\"middle\" text_align=\"center\" type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"110\" padding_bottom=\"0\" bg_image=\"24279\"][vc_column][kleo_gap size=\"100px\"][vc_row_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][vc_column_inner el_class=\"uppercase\" width=\"2/3\"][vc_column_text text_color=\"#ffffff\" font_size=\"48px\" letter_spacing=\"\" el_class=\"title_blog\"]<h2 style=\"text-align: center;\">GEN-NEXT CHIT FUNDS — FROM DUSTY <em>DABBAS</em> TO DIGITAL <em>KHAATAS</em></h2>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"130px\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"10\" padding_bottom=\"0\"][vc_column width=\"1/2\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"5/12\" css=\".vc_custom_1504265033147{padding-right: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1504265063058{padding-left: 0px !important;}\"][vc_column_text letter_spacing=\"\"][addtoany][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1504265782417{padding-right: 0px !important;padding-left: 0px !important;}\"][kleo_button title=\"Print this page\" href=\"http://cashlesscatalyst.org/wp-content/uploads/2018/08/Gen-Next_Chit_Funds_From_Dusty_Dab_as_to_Digital_Khaatas.pdf\" target=\"_blank\" style=\"custom\" position=\"left\" size=\"lg\" special=\"no\" border=\"no\" icon=\"print\" font_size=\"16px\" letter_spacing=\"\" el_class=\"grey-icon\" custom_text=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"24292\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1531316335980{padding-top: 17px !important;}\"][/vc_column_inner][vc_column_inner width=\"3/4\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]<p>The narrow streets of Bandha Basti meander as they lead up to the bright blue dwelling that houses the neighbourhood hero. A flight of concrete stairs leads to a vast space on the terrace where Farida Ben is seated on a large mattress - regal, yet welcoming as ever. </p>\r\n<p>A conversation quickly ensues over the tireless bleating of the family goat. From being a helper at a local anganwadi twelve years ago, to starting one of her own two years ago, Farida Ben was stirred by the socio-economic inequalities that she saw around her. She believes that these often result from a lack of awareness and literacy. After passing her class 10 examinations with her daughter Anam, there has been no turning back. Farida Ben took it upon herself to spread awareness about the benefits of literacy, financial literacy in particular, within her community and beyond.</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"100\" padding_bottom=\"100\" el_class=\"uppercase\" bg_image=\"24280\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"24271\" alignment=\"center\"][vc_custom_heading text=\"CHIT FUNDS FOR COMMUNITY SAVING AND BORROWING\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23ffffff|line_height:46px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1531313255374{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]<p>Having been a part of a few small chit funds* herself, Farida Ben started her own chit fund with a group of twenty members, and monthly installments of Rs. 100. She collects these installments diligently and stores the cash in an old dabba (box) in her house. In the middle of our conversation, she disappears for a few minutes and returns with a dusty old register. She flips the pages to show us the manual entries she has made pertaining to the transactions in the six chit funds she has organized so far. When asked what her primary motivation for starting the chit funds was, she explains that she believes it is a brilliant way to inculcate a habit of money-handling and saving in the community.</p>\r\n[/vc_column_text][vc_column_text text_color=\"#383b3b\" font_size=\"14px\" letter_spacing=\"\"]<p style=\"text-align: left;\"><em>*Chit funds are a savings-cum-borrowing scheme prevalent in India that are based on community trust. Members from a community come together and make monthly deposits for a period of months equal to the number of members. Every month, a reverse auction is held wherein the member with the lowest bid - and hence, in dire need of the money wins. The remaining amount is distributed among all the members. Each member can only win a bid once in the duration of the chit fund.</em></p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\"][vc_column][vc_single_image image=\"24272\" alignment=\"center\"][vc_custom_heading text=\"OLD REGISTERS, TORN NOTES, AND ASSOCIATED PERILS\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23000000|line_height:46px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1531380495396{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]<p>When asked whether she believes that keeping all that cash in a dabba at home is dangerous, she nods and tells us that she has often felt that way. Apart from that, she informs us that quite a few of her clients have lied about making payments. She would turn to her dusty register to deal with such fraudulent cases, but this consumes a lot of her time. Sometimes, she has to go door-to-door to collect money from the members who do not make their payments on time. There have also been instances when she would find torn and taped Rs. 500 notes in her stash. She has had to personally get these exchanged from a bank branch, which is quite far away.</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"100\" padding_bottom=\"100\" el_class=\"uppercase\" bg_image=\"24281\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"24412\" alignment=\"center\"][vc_custom_heading text=\"KYEPOT LEADS THE WAY\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23ffffff|line_height:46px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1531381239733{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]<p>Farida Ben is delighted to hear that there is now a quicker way for these payments to reach her. This delight is doubled when she hears that the money will go straight to her Khaata (account) on a timely basis. She beams excitedly at the prospect of Kyepot - a fintech startup that aims to digitize the entire chit fund process by creating a mobile application-based platform for chit funds and related transactions. This seems to be the one-stop solution for her hassles with managing cash and maintaining manual accounts and registers.</p>\r\n<p>She eagerly beckons her adolescents, Anam and Anas, to share this news. Anas already has a smartphone and Farida Ben promises Anam that she will get her one as well. She believes that youth are the face of digital transactions and that if given time, they will be able to assist some of her older group members to make the transition to digital.</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]<p style=\"text-align: left;\">Two weeks later, Anam and Anas are on a Skype conference call with Shradha Kampani, Head of Products at Kyepot. Anam’s brand new smartphone has arrived and been unboxed. The girls follow Shradha’s instructions as they install and explore the Kyepot application, so they can onboard the rest of their community. They are also taught how to download the BHIM application and make their first transaction using the Unified Payments Interface (UPI). This will enable them to organize transactions within the chit funds they will be managing on the Kyepot application.</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"24322\" alignment=\"center\"][vc_custom_heading text=\"OPENING DOORS TO DIGITAL PAYMENTS\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23000000|line_height:46px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1531326097605{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]<p>Are Anam and Anas going to use BHIM for purposes other than undertaking transactions on Kyepot? “Certainly!” - is the unanimous reply - “It is so convenient!”. They have just begun their exploration of the UPI world but are already enthusiastic about using it to make payments for healthcare services, payments at petrol pumps and even to pay their college fees. They are confident about propelling a similar adoption of digital payments among their peers.</p>\r\n<p>Farida Ben looks on proudly. She has clearly faced her fair share of hurdles - with stern opposition from her family in the beginning for organizing the chit funds in her home. But she is not one for excuses. She believes in action.</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][kleo_divider][/vc_column][/vc_row][vc_row][vc_column][kleo_button title=\"Download\" href=\"http://cashlesscatalyst.org/wp-content/uploads/2018/08/Gen-Next_Chit_Funds_From_Dusty_Dab_as_to_Digital_Khaatas.pdf\" target=\"_blank\" position=\"center\" size=\"lg\" type=\"boxed-icon\" special=\"no\" icon=\"download\" font_size=\"14\" letter_spacing=\"\" el_class=\"pkirbtn\" icon_custom_background=\"#d11e3c\" icon_custom_text=\"#ffffff\"][/vc_column][/vc_row]', 'Gen-Next Chit Funds - From Dusty Dabbas to Digital Khaatas', '', 'publish', 'closed', 'closed', '', 'gen-next-chit-funds-dusty-dabbas-digital-khaatas', '', '', '2018-08-13 07:17:15', '2018-08-13 07:17:15', '', 0, 'http://cashlesscatalyst.org/?page_id=24269', 0, 'page', '', 0),
(24275, 13, '2018-07-11 12:51:13', '2018-07-11 12:51:13', '', 'kyepot', '', 'inherit', 'closed', 'closed', '', 'kyepot-2', '', '', '2018-07-11 12:51:13', '2018-07-11 12:51:13', '', 24269, 'http://cashlesscatalyst.org/wp-content/uploads/2018/07/kyepot.png', 0, 'attachment', 'image/png', 0),
(29387, 12, '2018-10-03 16:16:48', '2018-10-03 16:16:48', '', 'Accepting_Mobile_Based_Payments', '', 'inherit', 'closed', 'closed', '', 'accepting_mobile_based_payments', '', '', '2018-10-03 16:16:48', '2018-10-03 16:16:48', '', 0, 'https://cashlesscatalyst.org/wp-content/uploads/2018/10/Accepting_Mobile_Based_Payments.pdf', 0, 'attachment', 'application/pdf', 0),
(24301, 13, '2018-07-11 13:52:02', '2018-07-11 13:52:02', '', 'Learning', '', 'inherit', 'closed', 'closed', '', 'learning-2', '', '', '2018-07-11 13:52:02', '2018-07-11 13:52:02', '', 24294, 'http://cashlesscatalyst.org/wp-content/uploads/2018/07/Learning.png', 0, 'attachment', 'image/png', 0),
(40555, 0, '2019-02-26 06:24:55', '2019-02-26 06:24:55', '\n\n\n<title>Form Fill from Catalyst Website</title>\n\n\n<p>From: Sheral Shah <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: Sheral Shah<br />\nOrganization: N/A<br />\nEmail: sheral26shah@gmail.com<br />\nPhone No.: 9166160160<br />\nMessage: Hi, I am Sheral Shah. I am an MSc Economics graduate from the University of Warwick. I am looking for research oriented jobs in Jaipur. Would you have such an opportunity for me?<br />\nFile: Catalyst-Resume.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\n', 'Form Fill from Catalyst Website', 'Bad Request(invalid_grant)', 'private', 'closed', 'closed', '', 'form-fill-from-catalyst-website-13', '', '', '2019-02-26 06:24:55', '2019-02-26 06:24:55', '', 0, 'https://cashlesscatalyst.org/postman_sent_mail/form-fill-from-catalyst-website-13/', 0, 'postman_sent_mail', '', 0),
(25549, 12, '2018-08-24 13:38:37', '2018-08-24 13:38:37', '', 'Reg-sandbox', '', 'inherit', 'closed', 'closed', '', 'reg-sandbox', '', '', '2018-08-24 13:38:37', '2018-08-24 13:38:37', '', 25153, 'http://cashlesscatalyst.org/wp-content/uploads/2018/08/Reg-sandbox.jpg', 0, 'attachment', 'image/jpeg', 0);
INSERT INTO `in_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES
(25550, 12, '2018-08-24 13:38:52', '0000-00-00 00:00:00', '[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=\"25451\"][vc_column][kleo_gap size=\"100px\"][vc_row_inner][vc_column_inner][vc_custom_heading text=\"BOB DYLAN, MONEYBALL AND SANDBOXES\r\nWHAT’S BREWING AT THE POLICY TEAM AT CATALYST\" font_container=\"tag:h2|font_size:48px|text_align:center|color:%23ffffff|line_height:54px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][/vc_column_inner][/vc_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/2018/06/What-Cooking-in-our-Digital-Payments-Lab.pdf\" target=\"_blank\" style=\"custom\" position=\"left\" size=\"lg\" special=\"no\" border=\"no\" icon=\"print\" font_size=\"16px\" letter_spacing=\"\" el_class=\"grey-icon\" custom_text=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" padding_top=\"20\" padding_bottom=\"20\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner width=\"1/3\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text text_color=\"#0c0c0c\" font_size=\"20px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]<em>For the times they are a-changin\'</em>\r\n<em><span style=\'text-align:right;display:block;\'>- Bob Dylan</span> </em>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#ffffff\"][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\"]Paul Volcker, the former head of the Federal Reserve once told American financial services executives that the ATM was the peak of innovation in the financial industry. While reasonable folks may disagree with Volcker, it is certain that the pace of innovation in the financial sector space is slow, in part, as an unintended consequence of entry-barriers and maze of regulations governing the sector. In the aftermath of the great financial crisis of 2008, regulatory caution is perhaps expected. Nonetheless, the absence of innovation in the financial sector may have consequential impact in terms of inhibiting the rate of financial inclusion for the poor. (There are structural/legal reasons for according stability a “first among equals” treatment among the several regulatory goals. For example, the constituent statutes of most central banks make stability and controlling inflation as their main goals. Thus there is an Institutional bias in favor of preserving stability).\r\n\r\nIn recent years, starting with the Financial Conduct Authority (UK), regulators have attempted to intermediate the tension between innovation and stability through the construct of a regulatory sandbox.\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"] Simply put, a regulatory sandbox is a “safe space” in which businesses can test innovative products, services, business models and delivery mechanisms without incurring regulatory consequences of engaging in the activity in question.\r\n\r\nA controlled environment ensures that the businesses operate without any risk of enforcement actions from the regulators. (The actionable instrument here is in the form of a “No-action letter” that issues from the regulator to the entity experimenting for the duration of the experiment). Regulators from Australia, HK, Malaysia and Singapore have followed the template laid down by FCA and set up their own sandboxes.  In fact, as a CGAP paper on the issue tells us, more than 20 countries from Abu Dhabi to Sierra Leone have adopted the concept. Closer home, an internal working group at the RBI also appears to be convinced of the potential of a sandbox to promote innovation and has recommended that it be housed at the IDRBT.  <sup>2</sup>\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" padding_bottom=\"30\" bg_image=\"7841\"][vc_column][vc_column_text text_color=\"#0c0c0c\" font_size=\"20px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]<em>But why am I telling you all this? Because at Catalyst, continuing with our commitment to financial inclusion, we have embarked on a project that compliments the idea of regulatory sandbox. Jumping ahead of the regulatory sandbox curve if you will, we are presently documenting use-cases that remain constrained owing to regulatory, infrastructural or operational reasons. We have put together the first tranche of 7 such areas and propose to document a total of 15 scalable use-cases that are also relevant from a financial inclusion stand-point by the end of this exercise. We will disseminate the paper through a symposium and engage in concerted advocacy with the regulators along the way.</em>\r\n\r\n[/vc_column_text][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#ffffff\"][vc_column][vc_row_inner equal_height=\"yes\"][vc_column_inner][vc_column_text font_size=\"16px\" letter_spacing=\"\"]I am going to walk you through the first tranche in a bit but before that, recall the scene from Moneyball when Billy Beane (Pitt) meets John Henry of the Boston Red Sox. Beane’s unorthodox approach to Baseball and reliance on statistics instead of scouts to source players had  the Oakland A’s on a 19 match unbeaten streak (that regrettably ended against Kansas in the playoffs). As John Henry told Beane:\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<em>“I know you’ve taken it in the teeth out there, but the first guy through the wall — he always gets bloody. Always. It’s the threat of not just the way of doing business, but in their minds, it’s threatening the game. But really what it’s threatening is their livelihoods. It’s threatening their jobs. It’s threatening the way that they do things. And every time that happens, whether it’s the government or a way of doing business or whatever it is, the people who are holding the reins — have their hands on the switch — they go batshit crazy.”</em>\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner][kleo_divider][/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\"]Fintech start-ups are the Billy Beane of our ecosystem. They invest capital and intellectual labor in a business idea motivated to solve for apparently difficult problems that society faces. As with Baseball the incumbents and the hard-coded legal rules and processes don’t make their task any easier.\r\n\r\nIt is important therefore to create facilitative Institutional framework where they can test business cases with potentially consequential benefits for the society; like the use-case on enabling customized wealth management for the informal sector consumers that we have covered. It is common knowledge that they experience high cash-flow volatility and are often under/uninsured. Yet, we do not have a regulatory framework for offering customized portfolio management, based on their unique needs. We suggest some testable solutions.\r\n\r\nAadhaar-Pay is another use-case rich with potential given India’s poorly developed general card acquiring infrastructure. Aadhaar Pay can be used by merchants as an alternative to cost-intensive PoS infrastructure in areas where PoS penetration is poor. However, the current unit economics does not support banks to acquire merchants on Aadhaar Pay rails.\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]We propose, among other things, a change in the pricing model that compensates the acquiring bank that can proliferate the Aadhaar-Pay solution.\r\n\r\nFinally, there is the emergent form of lending on a non-recourse basis; a platform matches borrower to a group of lenders discovering the coupon on the loan through bidding on the platform. At present, RBI’s regulatory framework has restricted the use-case by capping both the lender-side and borrower-side exposure.  However, there is case for experimenting the use of these platforms for micro and small business credit. Equally, there is a case for experimenting scenarios where Institutional capital invests in these businesses and not merely natural persons. Likewise, these platforms can facilitate deepening of  secondary market for loans on balance sheet of conventional originators. At present, the secondary market participants only include banks and ARCs. Testing if these platforms can buy, spread and manage that risk among their Institutional investors if successful can unlock another buyer group and move importantly, clean up the formal financial system of NPAs faster. More on this later!\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" padding_bottom=\"30\" bg_image=\"7841\"][vc_column][vc_row_inner equal_height=\"yes\"][vc_column_inner][vc_column_text text_color=\"#0c0c0c\" font_size=\"20px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]I will leave you all with a quote from Money Ball, (the book this time): <em>“If you challenge conventional wisdom, you will find ways to do things much better than they are currently done.”</em>\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"10px\" padding_bottom=\"10px\"][vc_column width=\"1/2\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"5/12\"][/vc_column_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1504265268713{padding-left: 0px !important;}\"][vc_column_text letter_spacing=\"\"][addtoany][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1504265795099{padding-right: 0px !important;padding-left: 0px !important;}\"][kleo_button title=\"Print this page\" href=\"http://cashlesscatalyst.org/wp-content/uploads/2018/06/What-Cooking-in-our-Digital-Payments-Lab.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=18]\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"footer_area\" disable_element=\"yes\" front_status=\"draft\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" column_gap=\"no\" padding_top=\"70px\" padding_bottom=\"50px\" margin_top=\"0px\" bg_image=\"9937\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1484826151396{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">CATALYST is an initiative seeded by an alliance between the Government of India &amp; USAID, to expand digital payments and financial inclusion in India, especially for small merchants and low-income consumers.</p>\r\n\r\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\r\n\r\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'Bob Dylan, Moneyball and Sandboxes- What’s brewing at the Policy team at Catalyst', '', 'draft', 'open', 'open', '', '', '', '', '2018-08-24 13:38:52', '0000-00-00 00:00:00', '', 0, 'http://cashlesscatalyst.org/?p=25550', 6, 'post', '', 0),
(24989, 12, '2018-08-03 05:10:59', '2018-08-03 05:10:59', '', 'chit_funds', '', 'inherit', 'closed', 'closed', '', 'chit_funds-2', '', '', '2018-08-03 05:10:59', '2018-08-03 05:10:59', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/08/chit_funds.png', 0, 'attachment', 'image/png', 0),
(25068, 12, '2018-08-06 13:48:45', '2018-08-06 13:48:45', '[vc_row el_id=\"navigating-unchartered-waters\" type=\"image\" bg_color=\"#ffffff\" bg_repeat=\"repeat\" padding_top=\"\" padding_bottom=\"\"][vc_column][vc_row_inner equal_height=\"yes\" css=\".vc_custom_1486361953253{margin-bottom: 20px !important;padding-top: 5% !important;padding-right: 5% !important;padding-left: 5% !important;background-color: #ffffff !important;}\"][vc_column_inner css=\".vc_custom_1486361714089{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"THE CONTEXT: NAVIGATING UNCHARTERED WATERS\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487929448061{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">India is just starting its digital payments journey. Currently, its performance trails other BRIC nations -- Brazil, Russia, and China. In 2014, just over 50 percent of Indian adults held an account with a financial institution compared with nearly 70 percent of adults in other BRIC economies.</p>\r\n[/vc_column_text][vc_empty_space height=\"20px\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text font_size=\"17px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1488780203409{padding-right: 5.5% !important;padding-left: 5.5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong>Digitization of person to merchant expenditure</strong></p>\r\n[/vc_column_text][vc_single_image image=\"12347\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1520528382671{margin-bottom: 10px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text font_size=\"17px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1488780103405{padding-right: 2.5% !important;padding-left: 2.5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong>Digitization of small retailer to supplier payments</strong></p>\r\n[/vc_column_text][vc_single_image image=\"8955\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1487930203111{margin-bottom: 10px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text font_size=\"17px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1487930070492{padding-right: 2.5% !important;padding-left: 2.5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong>Penetration of merchant digital payment acceptance</strong></p>\r\n[/vc_column_text][vc_single_image image=\"12591\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1521196337938{margin-bottom: 10px !important;}\"][/vc_column_inner][vc_column_inner][vc_column_text text_color=\"#1e73be\" font_size=\"14px\" letter_spacing=\"\"]\r\n<p style=\"text-align: right;\"><a style=\"color: #2b45d6;\" href=\"http://www.visa.co.in/aboutvisa/research/include/Digital_Payments_India.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Source</a></p>\r\n[/vc_column_text][kleo_gap size=\"40px\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<span style=\"color: #d11e3c;\"><a style=\"color: #d11e3c;\" href=\"https://www.globalinnovationexchange.org/beyond-cash\" target=\"_blank\" rel=\"noopener noreferrer\">Our own survey research</a></span> shows that 97 percent of retail transactions are conducted in cash or check; only 6 percent of merchants accept digital payments; and just over 10 percent consumers have used a debit card for payments in the last year in India.[/vc_column_text][vc_column_text font_size=\"16px\" letter_spacing=\"\"]However, Indians are now better financially and digitally connected than ever before. This reflects in the growth in Jan Dhan bank accounts for the poor, Aadhaar registrations which provide easy biometric authentication to access services and make transactions, mobile phone accounts, and Internet connectivity. In addition, several fiscal incentives and technology initiatives have been targeted at making India a less cash economy.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"12350\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1520528991452{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Jan Dhan bank accounts</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"9353\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1487932224593{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Aadhaar accounts</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"12352\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1520529246131{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Phone accounts</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"9356\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1487932239744{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Indians with Internet access</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"square-bullet-red\"]<strong>Nevertheless, the digital payments last mile remains fragmented due to several factors: </strong>\r\n<ul>\r\n 	<li><span style=\"color: #373a3a;\">There are far too few digital payment acceptance points for consumer comfort</span></li>\r\n 	<li><span style=\"color: #373a3a;\">From the merchants’ perspective, there is insufficient demand from consumers</span></li>\r\n 	<li><span style=\"color: #373a3a;\">Synergies across service providers (payment infrastructure companies, banks, fintech innovators) are under-tapped in the absence of market facilitation mechanisms</span></li>\r\n 	<li><span style=\"color: #373a3a;\">Regulation lags behind innovation; this imbalance prevents a degree of customer protection needed for the functioning of a healthy market</span></li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"9937\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549447611165{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]', 'THE CONTEXT: NAVIGATING UNCHARTERED WATERS', '', 'publish', 'closed', 'closed', '', 'context-navigating-unchartered-waters', '', '', '2019-02-06 10:11:59', '2019-02-06 10:11:59', '', 0, 'http://cashlesscatalyst.org/?page_id=25068', 0, 'page', '', 0),
(40392, 23, '2019-02-06 10:06:59', '2019-02-06 10:06:59', '[vc_row el_id=\"navigating-unchartered-waters\" type=\"image\" bg_color=\"#ffffff\" bg_repeat=\"repeat\" padding_top=\"\" padding_bottom=\"\"][vc_column][vc_row_inner equal_height=\"yes\" css=\".vc_custom_1486361953253{margin-bottom: 20px !important;padding-top: 5% !important;padding-right: 5% !important;padding-left: 5% !important;background-color: #ffffff !important;}\"][vc_column_inner css=\".vc_custom_1486361714089{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"THE CONTEXT: NAVIGATING UNCHARTERED WATERS\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487929448061{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">India is just starting its digital payments journey. Currently, its performance trails other BRIC nations -- Brazil, Russia, and China. In 2014, just over 50 percent of Indian adults held an account with a financial institution compared with nearly 70 percent of adults in other BRIC economies.</p>\r\n[/vc_column_text][vc_empty_space height=\"20px\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text font_size=\"17px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1488780203409{padding-right: 5.5% !important;padding-left: 5.5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong>Digitization of person to merchant expenditure</strong></p>\r\n[/vc_column_text][vc_single_image image=\"12347\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1520528382671{margin-bottom: 10px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text font_size=\"17px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1488780103405{padding-right: 2.5% !important;padding-left: 2.5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong>Digitization of small retailer to supplier payments</strong></p>\r\n[/vc_column_text][vc_single_image image=\"8955\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1487930203111{margin-bottom: 10px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text font_size=\"17px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1487930070492{padding-right: 2.5% !important;padding-left: 2.5% !important;}\"]\r\n<p style=\"text-align: center;\"><strong>Penetration of merchant digital payment acceptance</strong></p>\r\n[/vc_column_text][vc_single_image image=\"12591\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1521196337938{margin-bottom: 10px !important;}\"][/vc_column_inner][vc_column_inner][vc_column_text text_color=\"#1e73be\" font_size=\"14px\" letter_spacing=\"\"]\r\n<p style=\"text-align: right;\"><a style=\"color: #2b45d6;\" href=\"http://www.visa.co.in/aboutvisa/research/include/Digital_Payments_India.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Source</a></p>\r\n[/vc_column_text][kleo_gap size=\"40px\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<span style=\"color: #d11e3c;\"><a style=\"color: #d11e3c;\" href=\"https://www.globalinnovationexchange.org/beyond-cash\" target=\"_blank\" rel=\"noopener noreferrer\">Our own survey research</a></span> shows that 97 percent of retail transactions are conducted in cash or check; only 6 percent of merchants accept digital payments; and just over 10 percent consumers have used a debit card for payments in the last year in India.[/vc_column_text][vc_column_text font_size=\"16px\" letter_spacing=\"\"]However, Indians are now better financially and digitally connected than ever before. This reflects in the growth in Jan Dhan bank accounts for the poor, Aadhaar registrations which provide easy biometric authentication to access services and make transactions, mobile phone accounts, and Internet connectivity. In addition, several fiscal incentives and technology initiatives have been targeted at making India a less cash economy.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"12350\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1520528991452{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Jan Dhan bank accounts</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"9353\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1487932224593{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Aadhaar accounts</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"12352\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1520529246131{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Phone accounts</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"9356\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1487932239744{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Indians with Internet access</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"square-bullet-red\"]<strong>Nevertheless, the digital payments last mile remains fragmented due to several factors: </strong>\r\n<ul>\r\n 	<li><span style=\"color: #373a3a;\">There are far too few digital payment acceptance points for consumer comfort</span></li>\r\n 	<li><span style=\"color: #373a3a;\">From the merchants’ perspective, there is insufficient demand from consumers</span></li>\r\n 	<li><span style=\"color: #373a3a;\">Synergies across service providers (payment infrastructure companies, banks, fintech innovators) are under-tapped in the absence of market facilitation mechanisms</span></li>\r\n 	<li><span style=\"color: #373a3a;\">Regulation lags behind innovation; this imbalance prevents a degree of customer protection needed for the functioning of a healthy market</span></li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"9937\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549447611165{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]', 'THE CONTEXT: NAVIGATING UNCHARTERED WATERS', '', 'inherit', 'closed', 'closed', '', '25068-revision-v1', '', '', '2019-02-06 10:06:59', '2019-02-06 10:06:59', '', 25068, 'https://cashlesscatalyst.org/media/25068-revision-v1/', 0, 'revision', '', 0),
(38269, 20, '2018-11-02 18:26:24', '2018-11-02 18:26:24', '', 'tier', '', 'inherit', 'closed', 'closed', '', 'tier', '', '', '2018-11-02 18:26:24', '2018-11-02 18:26:24', '', 38222, 'https://cashlesscatalyst.org/wp-content/uploads/2018/11/tier.jpg', 0, 'attachment', 'image/jpeg', 0),
(40548, 0, '2019-02-24 10:54:14', '2019-02-24 10:54:14', 'Autoptimize\'s cache size is getting big, consider purging the cache. Have a look at https://wordpress.org/plugins/autoptimize/faq/ to see how you can keep the cache size under control. (site: https://cashlesscatalyst.org)', 'Autoptimize cache size warning (https://cashlesscatalyst.org)', 'Bad Request(invalid_grant)', 'private', 'closed', 'closed', '', 'autoptimize-cache-size-warning-httpscashlesscatalyst-org-15', '', '', '2019-02-24 10:54:14', '2019-02-24 10:54:14', '', 0, 'https://cashlesscatalyst.org/postman_sent_mail/autoptimize-cache-size-warning-httpscashlesscatalyst-org-15/', 0, 'postman_sent_mail', '', 0),
(40547, 0, '2019-02-23 19:09:16', '2019-02-23 19:09:16', '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: CecilDob (IP: 90.188.255.142, 90.188.255.142)\r\nEmail: aristarhyudin95@mail.ru\r\nURL: \r\nComment: \r\nЖелезнодорожные перевозки. Анналы возникновения и развития \r\nНыне грузовые железнодорожные перевозки представляют собой симбиоз инженерных достижений в области средств передвижения и оптимального процесса управления продвижением товаров и услуг через поставщиков к потребителям. Железнодорожные превозки. ТК БИРТРАНСЖелезнодорожные перевозки грузов по-прежнему считаются самым быстрым, удобным и наименее затратным способом доставки различных грузов – от тяжелой строительной техники до скоро портящихся продуктов питания.Объясняется это в первую очередь тем, что железнодорожные перевозки находятся вне конкуренции, если филиппика соглашаться о транспортировке тяжелых и негабаритных грузов: строительной техники (кранов, экскаваторов, самосвалов), крупногабаритных технических изделий (предположим, опор ЛЭП, железобетонных плит, перекрытий и т.п.). Железнодорожные превозки. ТК БИРТРАНС Присутствие этом размеры данных грузов ограничены чуть размерами самого подвижного состава, который будет исполнять железнодорожную перевозку. Более того - современная строительная техника целенаправленно проектируется именно с расчетом для то, сколько ее доставка довольно осуществляться железнодорожным транспортом. \r\nДля всем протяжении цивилизации личность издревле задумывался, чем ему перетащить или перевезти тяжеловесный, крупногабаритный, да и весь всякий багаж, кто он лично не в состоянии перенести. Так были изобретены простые транспортные средства, ровно сани, повозка, плот, лодка. Если усилие человека в качестве тяговой силы уже было не достаточно, люди стали пользоваться животных: волов, верблюдов и, очевидно же, лошадей. \r\nСнова в Древней Греции существовала необходимость перевозки тяжеловесного и негабаритного груза. Ради сокращения водного пути из Саронического залива в Коринфский существовал каменный способ, называемый Диолком с глубокими желобами в качестве направляющих и который служил чтобы перемещения волоком тяжелых кораблей. \r\n \r\n[url=http://sounds-park.com/index.php?p=/discussion/112529/perevozka-gruzov-zheleznodorozhnym-transportom?new=1]правила железнодорожных перевозок	[/url]\r\n[url=http://www.so0912.com/home.php?mod=space&amp;uid=144466]железнодорожные перевозки вагонами	[/url]\r\n[url=https://vw88vn.com/forum/profile.php?section=personality&amp;id=76501]правила железнодорожных перевозок	[/url]\r\n[url=http://www.supratraderonline.com/author/porchnfear28/]правила железнодорожных перевозок грузов	[/url]\r\n[url=http://wafironline.com/author/malikmoore28/]перевозки железнодорожным транспортом	[/url]\r\n\r\nApprove it: https://cashlesscatalyst.org/wp-admin/comment.php?action=approve&amp;c=12046#wpbody-content\r\nTrash it: https://cashlesscatalyst.org/wp-admin/comment.php?action=trash&amp;c=12046#wpbody-content\r\nSpam it: https://cashlesscatalyst.org/wp-admin/comment.php?action=spam&amp;c=12046#wpbody-content\r\nCurrently 107 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', '[Catalyst] Please moderate: \"The view from 10 months in..\"', 'Bad Request(invalid_grant)', 'private', 'closed', 'closed', '', 'catalyst-please-moderate-the-view-from-10-months-in-31', '', '', '2019-02-23 19:09:16', '2019-02-23 19:09:16', '', 0, 'https://cashlesscatalyst.org/postman_sent_mail/catalyst-please-moderate-the-view-from-10-months-in-31/', 0, 'postman_sent_mail', '', 0),
(39515, 12, '2018-12-04 11:45:06', '2018-12-04 11:45:06', '[vc_row][vc_column][vc_column_text letter_spacing=\"\"]<p style=\"color: #d06728;\"><strong>Innovative Digital Payment Business Models for Small Merchants and Low-income Households</strong></p>\r\n<p><strong style=\"color: #d06728;\">A closed-door session on ï¿½Innovative Digital Payment Business Models for Small Merchants and Low-income Householdsï¿½ was held as a break-out session at the Inclusive Finance India Summit 2018, at Hotel Ashok, New </strong></p><div style=\"display:none\"><strong style=\"color: #d06728;\"><a href=\"http://iron-info.biz/iron-bodybuilding-blog/ascorbic-acid-vitamin-c-functions-in-the-body-and.html\" title=\"Ascorbic acid (Vitamin C) functions in the body and in which foods\">Ascorbic acid (Vitamin C) functions in the body and in which foods</a></strong></div><strong style=\"color: #d06728;\"> Delhi, on 12 December, at 12:30pm.</strong><p></p>\r\n<p>The session accentuated how </p><div style=\"display:none\"><a href=\"https://pfckebab.co.uk/pfc/\" title=\"Cialis 20mg preise\">Cialis 20mg preise</a></div> to responsibly transition small business ecosystems (i.e. merchants, low income customers, suppliers) to a digital payment platform. It covered series of interventions undertaken by CATALYST in Jaipur across the low-income ecosystems to understand the opportunities for digitizing payments.<p></p>\r\n<p>While digital finance has increased significantly in India in recent years, there exist significant gaps in reaching out to the last mile. Micro-merchants and low-income households, in particular, remain an under-served segment in digital finance. Building on a set of experiments facilitated by CATALYST in Jaipur, the discussions provided insights for solution frameworks and business models by implementing a learning-by-doing approach. The speakers presented major insights from four types of business models:</p>\r\n<ol>\r\n<li>Distributors and their merchant networks in dairy, pharmaceutical, and FMCG supply chains</li>\r\n<li>Low-income households in urban slums,</li>\r\n<li>Payment collections for subscription-based services, and</li>\r\n<li>Fixed store <div style=\"display:none\"><a href=\"http://info-pull.xyz/health-care-blog/toothache-than-remove-at-home-in-an-adult-health.html\" title=\"Toothache than remove at home in an adult Health Blog\">Toothache than remove at home in an adult Health Blog</a></div> kirana merchants</li>\r\n</ol>\r\n<p>The session brought together practitioners, policy influencers, and financial service providers. </p><div style=\"display:none\"><a href=\"http://info-health.best/health-articles/signs-of-cirrhosis-in-men-and-women-treatment.html\" title=\"Signs of cirrhosis in men and women\">Signs of cirrhosis in men and women</a></div> The presentation <div style=\"display:none\"><a href=\"http://hammer-wiki.com/fitness-is-training-proper-nutrition-and/mahi-kick-back-with-the-simulator-lever.html\" title=\"Mahi kick back with the simulator lever\">Mahi kick back with the simulator lever</a></div> was facilitated by Jayshree Venkatesan (Financial Sector Specialist) and Ayush Chauhan (Design Strategy and Innovation Specialist).<p></p>\r\n[/vc_column_text][/vc_column][/vc_row]', 'Break-out session at Inclusive Finance India Summit 2018', 'Break-out session at Inclusive Finance India Summit 2018</br>\r\nDate: 12 December 2018\r\n', 'publish', 'closed', 'open', '', 'discussion-ifi-summit-2018', '', '', '2018-12-17 10:57:05', '2018-12-17 10:57:05', '', 0, 'https://cashlesscatalyst.org/?p=39515', 0, 'post', '', 0),
(39516, 12, '2018-12-04 11:45:06', '2018-12-04 11:45:06', '[vc_row][vc_column][vc_column_text letter_spacing=\"\"]<p style=\"color: #d06728;\"><strong>Attendance:</strong>Innovative Digital Payment Business Models for Small Merchants and Low-income Households</p>\r\n<p style=\"color: #d06728;\"><strong>Date:</strong>12 December 2018</p>\r\n<p style=\"color: #d06728;\"><strong>Location:</strong>Hotel Ashok, New Delhi</p>\r\n<p style=\"color: #d06728;\"><strong>A closed-door session on \'Innovative Digital Payment Business Models for Small Merchants and Low-income Households\' is being held as a break-out session at the Inclusive Finance India Summit 2018, at Hotel Ashok, New Delhi, on 12 December, at 12:30pm.</strong></p>\r\n<p style=\"color: #d06728;\"><strong>About the session</strong></p>\r\n<p>While digital finance has increased significantly in India in recent years, there exist significant gaps in reaching out to the last mile. Micro-merchants and low-income households, in particular, remain an under-served segment in digital finance. CATALYST has facilitated a set of experiments that provide insights for solution frameworks and business models by implementing a learning-by-doing approach.</p>\r\n<p>This session will present major insights from four types of business models that have emerged:</p>\r\n<ul>\r\n<li>Distributors and their merchant networks in dairy, pharmaceutical, and FMCG supply chains</li>\r\n<li>Low-income households in urban slums,</li>\r\n<li>Payment collections for subscription-based services, and</li>\r\n<li>Fixed store kirana merchants</li>\r\n</ul>\r\n<p>The session will be highly interactive and will bring together practitioners, policy influencers, and financial service providers to brainstorm on ideas on how to responsibly transition small business ecosystems (i.e. merchants, low income customers, suppliers) to a digital payment platform, while building on CATALYST insights. </p>\r\n<p style=\"color: #d06728;\">The  session will be facilitated by Ayush Chauhan (Design Strategy and Innovation Specialist) and Jayshree Venkatesan (Financial Sector Specialist).</p>[/vc_column_text][/vc_column][/vc_row]', 'Discussion at IFI Summit 2018', '', 'inherit', 'closed', 'closed', '', '39515-revision-v1', '', '', '2018-12-04 11:45:06', '2018-12-04 11:45:06', '', 39515, 'https://cashlesscatalyst.org/media/39515-revision-v1/', 0, 'revision', '', 0),
(40538, 0, '2019-02-21 00:13:31', '2019-02-21 00:13:31', '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: KevinFit (IP: 46.246.25.86, 46.246.25.86)\r\nEmail: cmirno.vvpa.v.v@gmail.com\r\nURL: http://bestpornuha.com/\r\nComment: \r\nПриветствую тебя наперсник для страницах сайта Лучшая Порнуха [url=http://bestpornuha.com/]http://bestpornuha.com/[/url], где ты постоянно можешь насладиться горячими видео роликами ради взрослых. Наша первенство ежедневный добавляет новое порно видео в hd качестве, для ты мог с удовольствием подрочить на сексуальных девушек в самых извращённых позах. \r\n \r\nТогда мы собираем отборную порнуху и раскладываем ее по категориям чтобы удобного поиска и выбора, интересующего секс видео. Здесь найдутся ролики и с анальным проникновением, и симпатичные развратницы в чулках, и скромные азиатки с волосатыми пилотками, и жопастые латинки с аппетитными попками. В общем подобрать себе видео для приятного век препровождения не составит труда. \r\n \r\nВыключая выбора категории с качественным видео, дозволительно отфильтровать ролики по порно студиям, которых для сайте в избытке. Из самых популярных позволительно выделить Insubordinate America, Brazzers, RealityKings, Collaborate Skeet, Modern Sensations, Blacked, Vixen, 21Sextury, Nubiles, Passion-HD, Mofos, Babes, SexArt, X-Art, DDF Network, BangBros, 21Naturals, Wow Porn Girls, Jules Jordan, Digital Playground и некоторый другие. \r\n \r\nОднако это доступно тут круглосуточно для всех желающих все бесплатно. Каждое порно http://bestpornuha.com/negro/ дозволительно не единственно посмотреть в режиме онлайн, только и скачать для свое уклад, воеже радоваться просмотром без доступа в интернет.\r\n\r\nApprove it: https://cashlesscatalyst.org/wp-admin/comment.php?action=approve&amp;c=12043#wpbody-content\r\nTrash it: https://cashlesscatalyst.org/wp-admin/comment.php?action=trash&amp;c=12043#wpbody-content\r\nSpam it: https://cashlesscatalyst.org/wp-admin/comment.php?action=spam&amp;c=12043#wpbody-content\r\nCurrently 104 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', '[Catalyst] Please moderate: \"The view from 10 months in..\"', 'Bad Request(invalid_grant)', 'private', 'closed', 'closed', '', 'catalyst-please-moderate-the-view-from-10-months-in-126', '', '', '2019-02-21 00:13:31', '2019-02-21 00:13:31', '', 0, 'https://cashlesscatalyst.org/postman_sent_mail/catalyst-please-moderate-the-view-from-10-months-in-126/', 0, 'postman_sent_mail', '', 0),
(39522, 12, '2018-12-04 12:35:19', '2018-12-04 12:35:19', '[vc_row][vc_column][vc_column_text letter_spacing=\"\"]<p style=\"color: #d06728;\">Fintech for Inclusion of the Last Mile: Experiences from the frontline of innovation</p>\r\n<p style=\"color: #d06728;\"><strong>Date:</strong>December 12, 2018</p>\r\n<p style=\"color: #d06728;\"><strong>Location:</strong>Hotel Ashok, New delhi</p>\r\n<p>While the infrastructure to build inclusive financial services has recently been upgraded with the roll-out of Unified Payments Interface (UPI), Aadhaar and India Stack, we are yet to see the power of these systems delivered to end users at scale. Innovations in both digital products and mechanisms to distribute them are needed. There also remains scope to build deeper and more targeted workflows on top of an increasingly commoditized transaction layer. These software, hardware or, in certain cases, operational solutions can generate tangible and immediate value to users – be it through analytics, access to financing, new revenue generating opportunities, or streamlined business processes.</p>\r\n<p>As part of its mission to identify sustainable templates for small business ecosystems to access the benefits of digital finance, CATALYST set up a pioneering incubator program to promote companies that have reimagined financial solutions for the underserved. The program provided these companies with financial, technical and operational support, and integrated their work into its \'Digital Payment Lab\' in Jaipur.</p>\r\n<p>This session will present the five unique companies that participated in the first batch of this program, highlighting the opportunities and barriers associated with addressing the needs of this segment. The companies jointly span different segments – including merchants, their suppliers, and their customers – as well as different payment types (e.g., UPI, Aadhaar Pay, Immediate Payment Service (IMPS)) and value-added services.</p>\r\n<p style=\"color: #d06728;\"><strong>The five startups -  </strong></p>\r\n<p><strong>PayNearby</strong> enables existing corner shops to become digital financial service hubs, thereby creating the world’s largest hyperlocal fintech network.</p>\r\n<p><strong>Fingpay</strong> is a payment and collection solution that enables merchants to accept digital payments from customers who do not have either a card, wallet, or mobile.</p>\r\n<p><strong>Merapaper</strong> provides a micro-ERP to digitize the customer lifecycle, billing, and payments for small B2C merchants.</p>\r\n<p><strong>PayBee’s</strong> solution automates and digitizes B2B collections in the distributor-retailer value chain.<strong>Kaleidofin</strong> is a platform that provides tailored financial services to the mass market including populations who are un/under-banked and have significant variability in their income.</p>\r\n<p><strong>Kaleidofin</strong> is a platform that provides tailored financial services to the mass market including populations who are un/under-banked and have significant variability in their income.</p>\r\n[/vc_column_text][/vc_column][/vc_row]', 'Technical Session at Inclusive Finance India Summit 2018', '', 'inherit', 'closed', 'closed', '', '39512-revision-v1', '', '', '2018-12-04 12:35:19', '2018-12-04 12:35:19', '', 39512, 'https://cashlesscatalyst.org/media/39512-revision-v1/', 0, 'revision', '', 0);
