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
(9548, 1, '2017-03-02 07:09:44', '2017-03-02 07:09:44', '[vc_row padding_top=\"0\" padding_bottom=\"0\"][vc_column][vc_row_inner][vc_column_inner][rev_slider_vc alias=\"home-banner\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" el_id=\"first-section\" disable_element=\"yes\" front_status=\"draft\" inner_container=\"no\" type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" padding_bottom=\"0\" fixed_height=\"899px\"][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=\"BRIDGING THE FINANCIAL DIVIDE THROUGH DIGITAL PAYMENTS\" font_container=\"tag:h1|font_size:36px|text_align:left|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text font_size=\"16px\" vertical_separator=\"yes\" letter_spacing=\"\" letter-spacing=\"75\"]Catalyst is working to help India’s small businesses and low-income consumers unlock the power of digital payments to gain access to broader financial services and create opportunities vital to their future prosperity.[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1488436513549{margin-left: 40px !important;}\"]\r\n<p style=\"text-align: left;\"><span class=\"learn-more\"><a style=\"text-decoration: none;\" href=\"https://cashlesscatalyst.org/about\">Learn More <i class=\"fa fa-angle-right\"></i></a></span></p>\r\n[/vc_column_text][vc_btn title=\"Learn More\" style=\"custom\" custom_background=\"\" custom_text=\"#000000\" shape=\"square\" size=\"lg\" i_align=\"right\" i_icon_fontawesome=\"fa fa-angle-right\" add_icon=\"true\" el_class=\"learn-more hidden\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Fbeta%2Fabout|title:Learn%20More||\"][/vc_column_inner][vc_column_inner offset=\"vc_col-lg-3\"][/vc_column_inner][vc_column_inner offset=\"vc_col-lg-4 vc_col-md-4 vc_col-xs-12\"][kleo_gap size=\"213px\" visibility=\"visible-xs,visible-sm\"][kleo_gap size=\"634px\" visibility=\"visible-md,visible-lg\"][vc_single_image image=\"7820\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"services\" type=\"image\" bg_color=\"#ffffff\" bg_repeat=\"repeat\" padding_top=\"\" padding_bottom=\"\"][vc_column][kleo_magic_container position=\"absolute\" top=\"0px\" left=\"50%\" min_height=\"521px\" width=\"2560px\" el_class=\"phide\" css=\".vc_custom_1504873033198{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 CURRENT INDIAN PAYMENT CONTEXT\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487844018271{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_empty_space height=\"20px\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_single_image image=\"12344\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1520527988267{margin-bottom: 10px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1488778066775{padding-right: 2.5% !important;padding-left: 2.5% !important;}\"]\r\n<p style=\"text-align: center;\">Digitization of person to merchant expenditure</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_single_image image=\"9539\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1488436279207{margin-bottom: 10px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<p style=\"text-align: center;\">Digitization of small retailer to supplier payments</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_single_image image=\"9795\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1488779580873{margin-bottom: 10px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<p style=\"text-align: center;\">Cost of cash as a share of GDP</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner][kleo_gap size=\"30px\"][vc_column_text letter_spacing=\"\"]\r\n<p style=\"text-align: center;\"><span class=\"learn-more\"><a style=\"text-decoration: none;\" href=\"https://cashlesscatalyst.org/about#navigating-unchartered-waters\">Learn More <i class=\"fa fa-angle-right\"></i></a></span></p>\r\n[/vc_column_text][kleo_gap size=\"40px\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"services\" disable_element=\"yes\" front_status=\"draft\" type=\"image\" bg_image=\"7841\"][vc_column][vc_row_inner inner_container=\"yes\" css=\".vc_custom_1488440272700{padding-right: 0px !important;padding-left: 0px !important;}\"][vc_column_inner css=\".vc_custom_1488440278733{padding-top: 20px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][vc_custom_heading text=\"OVERCOMING THE CHALLENGES OF LAST MILE FINANCIAL INCLUSION\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:36px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text font_size=\"18px\" letter_spacing=\"\" el_class=\"pcenter\" css=\".vc_custom_1488444536190{padding-right: 17% !important;padding-left: 17% !important;}\"]Catalyst aims to leverage recent advancements in digital payments technology as well as new policy and regulatory initiatives to build scalable and sustainable models to achieve last mile financial inclusion.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner el_class=\"row-no-gap pbtlm-container\" css=\".vc_custom_1488463745277{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_inner width=\"5/12\" css=\".vc_custom_1488462634730{margin-right: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;}\"][kleo_gap size=\"220px\" class=\"pheight150\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" css=\".vc_custom_1488462601539{padding-top: 10px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}\"]\r\n<table width=\"100%\" cellspacing=\"10\" cellpadding=\"10\" align=\"right\">\r\n<tbody>\r\n<tr>\r\n<td></td>\r\n<td align=\"left\" valign=\"top\" width=\"300\">\r\n<h3 style=\"text-align: right;\"><strong>Policy</strong></h3>\r\n<p style=\"text-align: right;\">Government initiatives such as Jan Dhan Yojana, Direct benefit Transfers, Small Finance and Payment Banks, and Incentives for a Less Cash Economy - to promote democratization of finance</p>\r\n</td>\r\n<td align=\"left\" valign=\"top\" width=\"113\"><img class=\"alignleft size-full wp-image-9546\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2015/11/home-icon-05.png\" alt=\"home-icon-05\" width=\"101\" height=\"114\" /></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"2/12\" css=\".vc_custom_1488463840016{margin-right: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}\"][kleo_gap size=\"45px\" class=\"pheight50\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1488464611366{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}\"]\r\n<div><img class=\"size-full wp-image-9676 aligncenter\" style=\"margin-bottm: 0; padding-bottom: 0;\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2017/03/time-line-1.png\" alt=\"time-line\" width=\"220\" height=\"391\" /></div>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"5/12\" css=\".vc_custom_1488462641546{margin-right: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" css=\".vc_custom_1488462617155{padding-top: 10px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}\"]\r\n<table width=\"100%\" cellspacing=\"10\" cellpadding=\"10\">\r\n<tbody>\r\n<tr>\r\n<td align=\"left\" valign=\"top\" width=\"113\"><img class=\"alignleft size-full wp-image-9545\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2015/11/home-icon-04.png\" alt=\"home-icon-04\" width=\"101\" height=\"114\" /></td>\r\n<td align=\"left\" valign=\"top\" width=\"300\">\r\n<h3><strong>Technology</strong></h3>\r\nOpen, interoperable platform technologies such as Aadhaar, Unified Payments Interface (UPI), and the ‘Indian Stack’ -- with an overarching layer of innovative apps</td>\r\n<td></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1488465033413{margin-top: 0px !important;padding-top: 0px !important;}\" el_class=\"row-no-gap pbtlm-container\"][vc_column_inner width=\"1/6\"][/vc_column_inner][vc_column_inner width=\"2/3\" css=\".vc_custom_1488463771273{margin-top: 0px !important;padding-top: 0px !important;}\"][vc_single_image image=\"9564\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1488463262951{margin-top: 0px !important;margin-bottom: 10px !important;padding-top: 0px !important;}\"][vc_custom_heading text=\"Last Mile\" font_container=\"tag:h3|font_size:22px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488463185634{padding-top: 5px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Coordinated motivation of small businesses, consumers and solution providers to drive high-frequency, low-value digital transactions and large scale adoption</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][vc_row_inner content_placement=\"middle\" inner_container=\"yes\" el_class=\"row-no-gap pbtlm-containerm\" css=\".vc_custom_1488465064371{padding-right: 0px !important;padding-bottom: 20px !important;padding-left: 0px !important;}\"][vc_column_inner css=\".vc_custom_1488465072961{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#ffffff\" letter_spacing=\"75\"]<img class=\"size-full wp-image-9545 aligncenter\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2015/11/home-icon-04.png\" alt=\"home-icon-04\" width=\"101\" height=\"114\" />[/vc_column_text][vc_custom_heading text=\"Technology\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488464879416{padding-top: 5px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Open, interoperable platform technologies such as Aadhaar, Unified Payments Interface (UPI), and the ‘Indian Stack’ -- with an overarching layer of innovative apps</p>\r\n[/vc_column_text][kleo_gap size=\"20px\"][vc_column_text letter_spacing=\"\"]<img class=\"size-full wp-image-9546 aligncenter\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2015/11/home-icon-05.png\" alt=\"home-icon-05\" width=\"101\" height=\"114\" />[/vc_column_text][vc_custom_heading text=\"Policy\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488464902446{padding-top: 5px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Government initiatives such as Jan Dhan Yojana, Direct benefit Transfers, Small Finance and Payment Banks, and Incentives for a Less Cash Economy - to promote democratization of finance</p>\r\n[/vc_column_text][kleo_gap size=\"20px\"][vc_column_text letter_spacing=\"\"]<img class=\"size-full wp-image-9564 aligncenter\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2017/03/home-icon-06.png\" alt=\"home-icon-06\" width=\"101\" height=\"114\" />[/vc_column_text][vc_custom_heading text=\"Last Mile\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488464926557{padding-top: 5px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Coordinated motivation of small businesses, consumers and solution providers to drive high-frequency, low-value digital transactions and large scale adoption</p>\r\n[/vc_column_text][kleo_gap size=\"20px\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" visibility=\"hidden-xs,hidden-sm,hidden-md,visible-lg,visible-xlg\" bg_image=\"10057\"][vc_column][vc_row_inner inner_container=\"yes\" css=\".vc_custom_1488440272700{padding-right: 0px !important;padding-left: 0px !important;}\"][vc_column_inner css=\".vc_custom_1488440278733{padding-top: 20px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][vc_custom_heading text=\"NEGOTIATING THE CHALLENGES OF THE LAST MILE\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23ffffff|line_height:36px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"18px\" letter_spacing=\"\" el_class=\"pcenter\" css=\".vc_custom_1504598529461{padding-right: 17% !important;padding-left: 17% !important;}\"]Catalyst aims to build on recent advancements in digital payments technology and policy to create scalable and sustainable models to achieve last mile financial inclusion[/vc_column_text][vc_empty_space height=\"40px\"][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1488465033413{margin-top: 0px !important;padding-top: 0px !important;}\" el_class=\"row-no-gap pbtlm-container\"][vc_column_inner][vc_single_image image=\"9992\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1491920995715{margin-top: 0px !important;margin-bottom: 10px !important;padding-top: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" visibility=\"hidden-lg,hidden-xlg\" bg_image=\"10057\"][vc_column][vc_row_inner inner_container=\"yes\" css=\".vc_custom_1488440272700{padding-right: 0px !important;padding-left: 0px !important;}\"][vc_column_inner css=\".vc_custom_1488440278733{padding-top: 20px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][vc_custom_heading text=\"NEGOTIATING THE CHALLENGES OF THE LAST MILE\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23ffffff|line_height:36px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"18px\" letter_spacing=\"\" el_class=\"pcenter\" css=\".vc_custom_1489497140001{padding-right: 17% !important;padding-left: 17% !important;}\"]Catalyst aims to build on recent advancements in digital payments technology and policy to create scalable and sustainable models to achieve last mile financial inclusion.[/vc_column_text][vc_empty_space height=\"40px\"][/vc_column_inner][/vc_row_inner][vc_row_inner content_placement=\"middle\" inner_container=\"yes\" el_class=\"row-no-gap pbtlm-containerm\" css=\".vc_custom_1488465064371{padding-right: 0px !important;padding-bottom: 20px !important;padding-left: 0px !important;}\"][vc_column_inner css=\".vc_custom_1488465072961{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#ffffff\" letter_spacing=\"75\"]<img class=\"size-full wp-image-9545 aligncenter\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2015/11/home-icon-04.png\" alt=\"home-icon-04\" width=\"101\" height=\"114\" />[/vc_column_text][vc_custom_heading text=\"Technology\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23ffffff|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488551459544{padding-top: 5px !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Open, interoperable platform technologies such as Aadhaar, Unified Payments Interface (UPI), and the ‘India Stack’ -- with an overarching layer of innovative apps</p>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]<img class=\"size-full wp-image-9546 aligncenter\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2015/11/home-icon-05.png\" alt=\"home-icon-05\" width=\"101\" height=\"114\" />[/vc_column_text][vc_custom_heading text=\"Policy\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23ffffff|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488551377939{padding-top: 5px !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Government initiatives such as Jan Dhan Yojana, Direct benefit Transfers, Small Finance and Payment Banks, and Incentives for a Less Cash Economy - to promote democratization of finance</p>\r\n[/vc_column_text][kleo_gap size=\"20px\"][kleo_gap size=\"20px\"][vc_column_text letter_spacing=\"\"]<img class=\"aligncenter size-full wp-image-9986\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2017/03/lastmile-icon.png\" alt=\"\" width=\"100\" height=\"113\" />[/vc_column_text][vc_custom_heading text=\"Last Mile\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23ffffff|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488551407248{padding-top: 5px !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Coordinating small businesses, consumers and solution providers to drive high-frequency, low-value digital transactions and large scale adoption</p>\r\n[/vc_column_text][kleo_gap size=\"20px\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" visibility=\"hidden-xs,hidden-sm,visible-md,visible-lg,visible-xlg\"][vc_column][vc_custom_heading text=\"OUR ECOSYSTEM APPROACH TO DRIVE DIGITAL PENETRATION\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1501664101325{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][kleo_gap size=\"60px\"][vc_row_inner css=\".vc_custom_1488458926941{background-color: #ffffff !important;}\"][vc_column_inner][vc_single_image image=\"9978\" img_size=\"full\" alignment=\"center\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"40px\"][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"]\r\n<p style=\"text-align: center;\"><span class=\"learn-more\"><a style=\"text-decoration: none;\" href=\"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_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" visibility=\"hidden-md,hidden-lg,hidden-xlg,visible-xs,visible-sm\"][vc_column][vc_custom_heading text=\"OUR ECOSYSTEM APPROACH TO DRIVE DIGITAL PENETRATION\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1501663979800{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][kleo_gap size=\"40px\"][vc_row_inner equal_height=\"yes\" css=\".vc_custom_1486562584420{background-color: #ffffff !important;}\"][vc_column_inner width=\"1/4\"][vc_single_image image=\"9972\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489155741994{margin-bottom: 10px !important;}\"][vc_custom_heading text=\"Define\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487845176242{padding-top: 5px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1487845511877{padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\">Distinct economic geographies</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"9973\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489155771257{margin-bottom: 10px !important;}\"][vc_custom_heading text=\"Test\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487845204067{padding-top: 5px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1487845496370{padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\">Technology and business models</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"9979\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489484311056{margin-bottom: 10px !important;}\"][vc_custom_heading text=\"Support\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1489484237352{padding-top: 5px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1487845475351{padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\">Policy and regulation</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"9974\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489155800651{margin-bottom: 10px !important;}\"][vc_custom_heading text=\"Scale\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487845334597{padding-top: 5px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1487845444766{padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\">Successful initiatives</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][kleo_gap size=\"40px\"][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"]\r\n<p style=\"text-align: center;\"><span class=\"learn-more\"><a style=\"text-decoration: none;\" href=\"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_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" disable_element=\"yes\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"20\" padding_bottom=\"0\"][vc_column width=\"5/12\"][vc_row_inner][vc_column_inner][vc_single_image image=\"9140\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1487945744121{margin-bottom: 10px !important;}\" link=\"https://cashlesscatalyst.org/digital-payment-lab/\"][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1487685045372{margin-top: 15px !important;}\"][vc_column_inner][vc_column_text letter_spacing=\"\" el_class=\"wpb_video_widget wpb_content_element vc_clearfix vc_video-aspect-ratio-169 vc_video-el-width-100 vc_video-align-center\" css=\".vc_custom_1484218583910{margin-bottom: 0px !important;}\"]\r\n<div><iframe src=\"https://www.youtube.com/embed/yHASqaMQjhM?rel=0&amp;showinfo=0\" width=\"100%\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></div>\r\n[/vc_column_text][vc_custom_heading text=\"Digital Financial Inclusion: The India Story\" font_container=\"tag:p|font_size:16px|text_align:left|line_height:22px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"7/12\"][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\" el_class=\"wpb_video_widget wpb_content_element vc_clearfix vc_video-aspect-ratio-169 vc_video-el-width-100 vc_video-align-center\" css=\".vc_custom_1484218505851{margin-bottom: 0px !important;}\"]\r\n<div><iframe src=\"https://www.youtube.com/embed/gs_Y_EvfPGA?rel=0&amp;showinfo=0\" width=\"100%\" height=\"350\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></div>\r\n[/vc_column_text][vc_custom_heading text=\"Badal Malick (CEO, Catalyst) speaking about Catalyst’s strategic vision at the Better Than Cash Alliance event in Delhi.\" font_container=\"tag:p|font_size:16px|text_align:left|line_height:22px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487850171686{margin-bottom: 9px !important;}\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/3\"][vc_single_image image=\"9137\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" css=\".vc_custom_1487675479814{margin-bottom: 10px !important;}\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2017/01/India-Stack.pdf\"][vc_single_image image=\"9138\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" css=\".vc_custom_1487945859988{margin-bottom: 10px !important;}\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2017/01/BCG-Google-Digital-Payments-2020-July-2016_tcm21-39245.pdf\"][/vc_column_inner][vc_column_inner width=\"2/3\"][vc_single_image image=\"9231\" img_size=\"full\" alignment=\"center\" full_width=\"yes\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1487849533532{margin-bottom: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][kleo_button title=\"Read More\" href=\"https://cashlesscatalyst.org/digital-kirana/\" style=\"custom\" border_width=\"2px\" position=\"left\" size=\"sm\" special=\"no\" icon=\"0\" font_size=\"14px\" letter_spacing=\"\" el_class=\"pdp-btn\" custom_background=\"rgba(208,31,60,0.85)\" custom_bg_hover=\"#ffffff\" custom_text=\"#ffffff\" custom_text_hover=\"#d01f3c\" custom_border=\"#d01f3c\" custom_border_hover=\"#ffffff\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" disable_element=\"yes\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"10\"][vc_column][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/4\"][vc_single_image image=\"9233\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" full_width=\"yes\" el_class=\"pwag-height\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2017/01/watal_report-27-12-16.pdf\"][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_single_image image=\"9234\" img_size=\"large\" alignment=\"center\" full_width=\"yes\" el_class=\"pwag-height\" css=\".vc_custom_1487849681448{margin-bottom: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][kleo_button title=\"Read More\" href=\"https://cashlesscatalyst.org/alternative-lending/\" target=\"_blank\" style=\"custom\" border_width=\"2px\" position=\"left\" size=\"sm\" special=\"no\" icon=\"0\" font_size=\"14px\" letter_spacing=\"\" el_class=\"pdp-btn\" custom_background=\"rgba(208,31,60,0.85)\" custom_bg_hover=\"#ffffff\" custom_text=\"#ffffff\" custom_text_hover=\"#d01f3c\" custom_border=\"#d01f3c\" custom_border_hover=\"#ffffff\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"9235\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" full_width=\"yes\" el_class=\"pwag-height\" link=\"http://www.itu.int/en/ITU-T/focusgroups/dfs/Documents/09_2016/FINAL%20ENDORSED%20Enabling%20Merchant%20Payments%20Acceptance%2030%20May%202016_formatted%20AM.pdf\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" visibility=\"hidden-xs,hidden-sm,hidden-md,hidden-lg,hidden-xlg\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"]\r\n\r\n[gallery tiles=\"yes\" columns=\"6\" size=\"full\" grids=\"Home bottom\" small_screen_grid=\"Gallery-mobile\" image_size=\"full\" ids=\"14395,13872,13871,13873,13479,13870,13467,16456,13473\"]\r\n\r\n[/vc_column_text][/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 letter_spacing=\"\"]\r\n\r\n[gallery tiles=\"yes\" columns=\"6\" size=\"full\" grids=\"Home bottom\" small_screen_grid=\"Gallery-mobile\" image_size=\"full\" ids=\"25607,14395,25646,13873,25535,16459,13467,16456,13473\"]\r\n\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=\"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_1549451023682{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', '', '', '2019-02-06 11:04:49', '2019-02-06 11:04:49', '', 0, 'http://cashlesscatalyst.org/?page_id=9548', 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
(40448, 23, '2019-02-06 11:04:49', '2019-02-06 11:04:49', '[vc_row padding_top=\"0\" padding_bottom=\"0\"][vc_column][vc_row_inner][vc_column_inner][rev_slider_vc alias=\"home-banner\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" el_id=\"first-section\" disable_element=\"yes\" front_status=\"draft\" inner_container=\"no\" type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" padding_bottom=\"0\" fixed_height=\"899px\"][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=\"BRIDGING THE FINANCIAL DIVIDE THROUGH DIGITAL PAYMENTS\" font_container=\"tag:h1|font_size:36px|text_align:left|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text font_size=\"16px\" vertical_separator=\"yes\" letter_spacing=\"\" letter-spacing=\"75\"]Catalyst is working to help India’s small businesses and low-income consumers unlock the power of digital payments to gain access to broader financial services and create opportunities vital to their future prosperity.[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1488436513549{margin-left: 40px !important;}\"]\r\n<p style=\"text-align: left;\"><span class=\"learn-more\"><a style=\"text-decoration: none;\" href=\"https://cashlesscatalyst.org/about\">Learn More <i class=\"fa fa-angle-right\"></i></a></span></p>\r\n[/vc_column_text][vc_btn title=\"Learn More\" style=\"custom\" custom_background=\"\" custom_text=\"#000000\" shape=\"square\" size=\"lg\" i_align=\"right\" i_icon_fontawesome=\"fa fa-angle-right\" add_icon=\"true\" el_class=\"learn-more hidden\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Fbeta%2Fabout|title:Learn%20More||\"][/vc_column_inner][vc_column_inner offset=\"vc_col-lg-3\"][/vc_column_inner][vc_column_inner offset=\"vc_col-lg-4 vc_col-md-4 vc_col-xs-12\"][kleo_gap size=\"213px\" visibility=\"visible-xs,visible-sm\"][kleo_gap size=\"634px\" visibility=\"visible-md,visible-lg\"][vc_single_image image=\"7820\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"services\" type=\"image\" bg_color=\"#ffffff\" bg_repeat=\"repeat\" padding_top=\"\" padding_bottom=\"\"][vc_column][kleo_magic_container position=\"absolute\" top=\"0px\" left=\"50%\" min_height=\"521px\" width=\"2560px\" el_class=\"phide\" css=\".vc_custom_1504873033198{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 CURRENT INDIAN PAYMENT CONTEXT\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487844018271{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_empty_space height=\"20px\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_single_image image=\"12344\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1520527988267{margin-bottom: 10px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1488778066775{padding-right: 2.5% !important;padding-left: 2.5% !important;}\"]\r\n<p style=\"text-align: center;\">Digitization of person to merchant expenditure</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_single_image image=\"9539\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1488436279207{margin-bottom: 10px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<p style=\"text-align: center;\">Digitization of small retailer to supplier payments</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_single_image image=\"9795\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1488779580873{margin-bottom: 10px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<p style=\"text-align: center;\">Cost of cash as a share of GDP</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner][kleo_gap size=\"30px\"][vc_column_text letter_spacing=\"\"]\r\n<p style=\"text-align: center;\"><span class=\"learn-more\"><a style=\"text-decoration: none;\" href=\"https://cashlesscatalyst.org/about#navigating-unchartered-waters\">Learn More <i class=\"fa fa-angle-right\"></i></a></span></p>\r\n[/vc_column_text][kleo_gap size=\"40px\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"services\" disable_element=\"yes\" front_status=\"draft\" type=\"image\" bg_image=\"7841\"][vc_column][vc_row_inner inner_container=\"yes\" css=\".vc_custom_1488440272700{padding-right: 0px !important;padding-left: 0px !important;}\"][vc_column_inner css=\".vc_custom_1488440278733{padding-top: 20px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][vc_custom_heading text=\"OVERCOMING THE CHALLENGES OF LAST MILE FINANCIAL INCLUSION\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:36px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text font_size=\"18px\" letter_spacing=\"\" el_class=\"pcenter\" css=\".vc_custom_1488444536190{padding-right: 17% !important;padding-left: 17% !important;}\"]Catalyst aims to leverage recent advancements in digital payments technology as well as new policy and regulatory initiatives to build scalable and sustainable models to achieve last mile financial inclusion.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner el_class=\"row-no-gap pbtlm-container\" css=\".vc_custom_1488463745277{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_inner width=\"5/12\" css=\".vc_custom_1488462634730{margin-right: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;}\"][kleo_gap size=\"220px\" class=\"pheight150\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" css=\".vc_custom_1488462601539{padding-top: 10px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}\"]\r\n<table width=\"100%\" cellspacing=\"10\" cellpadding=\"10\" align=\"right\">\r\n<tbody>\r\n<tr>\r\n<td></td>\r\n<td align=\"left\" valign=\"top\" width=\"300\">\r\n<h3 style=\"text-align: right;\"><strong>Policy</strong></h3>\r\n<p style=\"text-align: right;\">Government initiatives such as Jan Dhan Yojana, Direct benefit Transfers, Small Finance and Payment Banks, and Incentives for a Less Cash Economy - to promote democratization of finance</p>\r\n</td>\r\n<td align=\"left\" valign=\"top\" width=\"113\"><img class=\"alignleft size-full wp-image-9546\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2015/11/home-icon-05.png\" alt=\"home-icon-05\" width=\"101\" height=\"114\" /></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"2/12\" css=\".vc_custom_1488463840016{margin-right: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}\"][kleo_gap size=\"45px\" class=\"pheight50\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1488464611366{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}\"]\r\n<div><img class=\"size-full wp-image-9676 aligncenter\" style=\"margin-bottm: 0; padding-bottom: 0;\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2017/03/time-line-1.png\" alt=\"time-line\" width=\"220\" height=\"391\" /></div>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"5/12\" css=\".vc_custom_1488462641546{margin-right: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" css=\".vc_custom_1488462617155{padding-top: 10px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}\"]\r\n<table width=\"100%\" cellspacing=\"10\" cellpadding=\"10\">\r\n<tbody>\r\n<tr>\r\n<td align=\"left\" valign=\"top\" width=\"113\"><img class=\"alignleft size-full wp-image-9545\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2015/11/home-icon-04.png\" alt=\"home-icon-04\" width=\"101\" height=\"114\" /></td>\r\n<td align=\"left\" valign=\"top\" width=\"300\">\r\n<h3><strong>Technology</strong></h3>\r\nOpen, interoperable platform technologies such as Aadhaar, Unified Payments Interface (UPI), and the ‘Indian Stack’ -- with an overarching layer of innovative apps</td>\r\n<td></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1488465033413{margin-top: 0px !important;padding-top: 0px !important;}\" el_class=\"row-no-gap pbtlm-container\"][vc_column_inner width=\"1/6\"][/vc_column_inner][vc_column_inner width=\"2/3\" css=\".vc_custom_1488463771273{margin-top: 0px !important;padding-top: 0px !important;}\"][vc_single_image image=\"9564\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1488463262951{margin-top: 0px !important;margin-bottom: 10px !important;padding-top: 0px !important;}\"][vc_custom_heading text=\"Last Mile\" font_container=\"tag:h3|font_size:22px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488463185634{padding-top: 5px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Coordinated motivation of small businesses, consumers and solution providers to drive high-frequency, low-value digital transactions and large scale adoption</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][vc_row_inner content_placement=\"middle\" inner_container=\"yes\" el_class=\"row-no-gap pbtlm-containerm\" css=\".vc_custom_1488465064371{padding-right: 0px !important;padding-bottom: 20px !important;padding-left: 0px !important;}\"][vc_column_inner css=\".vc_custom_1488465072961{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#ffffff\" letter_spacing=\"75\"]<img class=\"size-full wp-image-9545 aligncenter\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2015/11/home-icon-04.png\" alt=\"home-icon-04\" width=\"101\" height=\"114\" />[/vc_column_text][vc_custom_heading text=\"Technology\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488464879416{padding-top: 5px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Open, interoperable platform technologies such as Aadhaar, Unified Payments Interface (UPI), and the ‘Indian Stack’ -- with an overarching layer of innovative apps</p>\r\n[/vc_column_text][kleo_gap size=\"20px\"][vc_column_text letter_spacing=\"\"]<img class=\"size-full wp-image-9546 aligncenter\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2015/11/home-icon-05.png\" alt=\"home-icon-05\" width=\"101\" height=\"114\" />[/vc_column_text][vc_custom_heading text=\"Policy\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488464902446{padding-top: 5px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Government initiatives such as Jan Dhan Yojana, Direct benefit Transfers, Small Finance and Payment Banks, and Incentives for a Less Cash Economy - to promote democratization of finance</p>\r\n[/vc_column_text][kleo_gap size=\"20px\"][vc_column_text letter_spacing=\"\"]<img class=\"size-full wp-image-9564 aligncenter\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2017/03/home-icon-06.png\" alt=\"home-icon-06\" width=\"101\" height=\"114\" />[/vc_column_text][vc_custom_heading text=\"Last Mile\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488464926557{padding-top: 5px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Coordinated motivation of small businesses, consumers and solution providers to drive high-frequency, low-value digital transactions and large scale adoption</p>\r\n[/vc_column_text][kleo_gap size=\"20px\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" visibility=\"hidden-xs,hidden-sm,hidden-md,visible-lg,visible-xlg\" bg_image=\"10057\"][vc_column][vc_row_inner inner_container=\"yes\" css=\".vc_custom_1488440272700{padding-right: 0px !important;padding-left: 0px !important;}\"][vc_column_inner css=\".vc_custom_1488440278733{padding-top: 20px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][vc_custom_heading text=\"NEGOTIATING THE CHALLENGES OF THE LAST MILE\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23ffffff|line_height:36px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"18px\" letter_spacing=\"\" el_class=\"pcenter\" css=\".vc_custom_1504598529461{padding-right: 17% !important;padding-left: 17% !important;}\"]Catalyst aims to build on recent advancements in digital payments technology and policy to create scalable and sustainable models to achieve last mile financial inclusion[/vc_column_text][vc_empty_space height=\"40px\"][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1488465033413{margin-top: 0px !important;padding-top: 0px !important;}\" el_class=\"row-no-gap pbtlm-container\"][vc_column_inner][vc_single_image image=\"9992\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1491920995715{margin-top: 0px !important;margin-bottom: 10px !important;padding-top: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" visibility=\"hidden-lg,hidden-xlg\" bg_image=\"10057\"][vc_column][vc_row_inner inner_container=\"yes\" css=\".vc_custom_1488440272700{padding-right: 0px !important;padding-left: 0px !important;}\"][vc_column_inner css=\".vc_custom_1488440278733{padding-top: 20px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][vc_custom_heading text=\"NEGOTIATING THE CHALLENGES OF THE LAST MILE\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23ffffff|line_height:36px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"18px\" letter_spacing=\"\" el_class=\"pcenter\" css=\".vc_custom_1489497140001{padding-right: 17% !important;padding-left: 17% !important;}\"]Catalyst aims to build on recent advancements in digital payments technology and policy to create scalable and sustainable models to achieve last mile financial inclusion.[/vc_column_text][vc_empty_space height=\"40px\"][/vc_column_inner][/vc_row_inner][vc_row_inner content_placement=\"middle\" inner_container=\"yes\" el_class=\"row-no-gap pbtlm-containerm\" css=\".vc_custom_1488465064371{padding-right: 0px !important;padding-bottom: 20px !important;padding-left: 0px !important;}\"][vc_column_inner css=\".vc_custom_1488465072961{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#ffffff\" letter_spacing=\"75\"]<img class=\"size-full wp-image-9545 aligncenter\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2015/11/home-icon-04.png\" alt=\"home-icon-04\" width=\"101\" height=\"114\" />[/vc_column_text][vc_custom_heading text=\"Technology\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23ffffff|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488551459544{padding-top: 5px !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Open, interoperable platform technologies such as Aadhaar, Unified Payments Interface (UPI), and the ‘India Stack’ -- with an overarching layer of innovative apps</p>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]<img class=\"size-full wp-image-9546 aligncenter\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2015/11/home-icon-05.png\" alt=\"home-icon-05\" width=\"101\" height=\"114\" />[/vc_column_text][vc_custom_heading text=\"Policy\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23ffffff|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488551377939{padding-top: 5px !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Government initiatives such as Jan Dhan Yojana, Direct benefit Transfers, Small Finance and Payment Banks, and Incentives for a Less Cash Economy - to promote democratization of finance</p>\r\n[/vc_column_text][kleo_gap size=\"20px\"][kleo_gap size=\"20px\"][vc_column_text letter_spacing=\"\"]<img class=\"aligncenter size-full wp-image-9986\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2017/03/lastmile-icon.png\" alt=\"\" width=\"100\" height=\"113\" />[/vc_column_text][vc_custom_heading text=\"Last Mile\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23ffffff|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488551407248{padding-top: 5px !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\"]\r\n<p style=\"text-align: center;\">Coordinating small businesses, consumers and solution providers to drive high-frequency, low-value digital transactions and large scale adoption</p>\r\n[/vc_column_text][kleo_gap size=\"20px\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" visibility=\"hidden-xs,hidden-sm,visible-md,visible-lg,visible-xlg\"][vc_column][vc_custom_heading text=\"OUR ECOSYSTEM APPROACH TO DRIVE DIGITAL PENETRATION\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1501664101325{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][kleo_gap size=\"60px\"][vc_row_inner css=\".vc_custom_1488458926941{background-color: #ffffff !important;}\"][vc_column_inner][vc_single_image image=\"9978\" img_size=\"full\" alignment=\"center\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"40px\"][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"]\r\n<p style=\"text-align: center;\"><span class=\"learn-more\"><a style=\"text-decoration: none;\" href=\"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_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" visibility=\"hidden-md,hidden-lg,hidden-xlg,visible-xs,visible-sm\"][vc_column][vc_custom_heading text=\"OUR ECOSYSTEM APPROACH TO DRIVE DIGITAL PENETRATION\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1501663979800{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][kleo_gap size=\"40px\"][vc_row_inner equal_height=\"yes\" css=\".vc_custom_1486562584420{background-color: #ffffff !important;}\"][vc_column_inner width=\"1/4\"][vc_single_image image=\"9972\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489155741994{margin-bottom: 10px !important;}\"][vc_custom_heading text=\"Define\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487845176242{padding-top: 5px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1487845511877{padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\">Distinct economic geographies</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"9973\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489155771257{margin-bottom: 10px !important;}\"][vc_custom_heading text=\"Test\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487845204067{padding-top: 5px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1487845496370{padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\">Technology and business models</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"9979\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489484311056{margin-bottom: 10px !important;}\"][vc_custom_heading text=\"Support\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1489484237352{padding-top: 5px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1487845475351{padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\">Policy and regulation</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"9974\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489155800651{margin-bottom: 10px !important;}\"][vc_custom_heading text=\"Scale\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487845334597{padding-top: 5px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1487845444766{padding-right: 5% !important;padding-left: 5% !important;}\"]\r\n<p style=\"text-align: center;\">Successful initiatives</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][kleo_gap size=\"40px\"][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"]\r\n<p style=\"text-align: center;\"><span class=\"learn-more\"><a style=\"text-decoration: none;\" href=\"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_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" disable_element=\"yes\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"20\" padding_bottom=\"0\"][vc_column width=\"5/12\"][vc_row_inner][vc_column_inner][vc_single_image image=\"9140\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1487945744121{margin-bottom: 10px !important;}\" link=\"https://cashlesscatalyst.org/digital-payment-lab/\"][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1487685045372{margin-top: 15px !important;}\"][vc_column_inner][vc_column_text letter_spacing=\"\" el_class=\"wpb_video_widget wpb_content_element vc_clearfix vc_video-aspect-ratio-169 vc_video-el-width-100 vc_video-align-center\" css=\".vc_custom_1484218583910{margin-bottom: 0px !important;}\"]\r\n<div><iframe src=\"https://www.youtube.com/embed/yHASqaMQjhM?rel=0&amp;showinfo=0\" width=\"100%\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></div>\r\n[/vc_column_text][vc_custom_heading text=\"Digital Financial Inclusion: The India Story\" font_container=\"tag:p|font_size:16px|text_align:left|line_height:22px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"7/12\"][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\" el_class=\"wpb_video_widget wpb_content_element vc_clearfix vc_video-aspect-ratio-169 vc_video-el-width-100 vc_video-align-center\" css=\".vc_custom_1484218505851{margin-bottom: 0px !important;}\"]\r\n<div><iframe src=\"https://www.youtube.com/embed/gs_Y_EvfPGA?rel=0&amp;showinfo=0\" width=\"100%\" height=\"350\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></div>\r\n[/vc_column_text][vc_custom_heading text=\"Badal Malick (CEO, Catalyst) speaking about Catalyst’s strategic vision at the Better Than Cash Alliance event in Delhi.\" font_container=\"tag:p|font_size:16px|text_align:left|line_height:22px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487850171686{margin-bottom: 9px !important;}\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/3\"][vc_single_image image=\"9137\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" css=\".vc_custom_1487675479814{margin-bottom: 10px !important;}\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2017/01/India-Stack.pdf\"][vc_single_image image=\"9138\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" css=\".vc_custom_1487945859988{margin-bottom: 10px !important;}\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2017/01/BCG-Google-Digital-Payments-2020-July-2016_tcm21-39245.pdf\"][/vc_column_inner][vc_column_inner width=\"2/3\"][vc_single_image image=\"9231\" img_size=\"full\" alignment=\"center\" full_width=\"yes\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1487849533532{margin-bottom: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][kleo_button title=\"Read More\" 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(10018, 1, '2017-04-05 13:20:47', '2017-04-05 13:20:47', '', 'Catalyst FGD Findings-for-Niti -Aayog', '', 'inherit', 'closed', 'closed', '', 'catalyst-fgd-findings-for-niti-aayog', '', '', '2017-04-05 13:20:47', '2017-04-05 13:20:47', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/04/Catalyst-FGD-Findings-for-Niti-Aayog.pdf', 0, 'attachment', 'application/pdf', 0),
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(10037, 1, '2017-04-11 15:27:01', '2017-04-11 15:27:01', '', 'Know more about Catalyst\'s India Stack Project', '', 'inherit', 'closed', 'closed', '', 'dk-2', '', '', '2017-05-12 11:01:42', '2017-05-12 11:01:42', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/04/DK.png', 0, 'attachment', 'image/png', 0),
(10040, 1, '2017-04-11 15:40:47', '2017-04-11 15:40:47', '', 'Read more about ecommerce models for low income households', '', 'inherit', 'closed', 'closed', '', 'home-img-05n', '', '', '2017-05-12 10:53:30', '2017-05-12 10:53:30', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/04/home-img-05n.jpg', 0, 'attachment', 'image/jpeg', 0),
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(24957, 12, '2018-07-31 10:49:42', '2018-07-31 10:49:42', '', 'CH', '', 'inherit', 'closed', 'closed', '', 'ch', '', '', '2018-07-31 10:49:42', '2018-07-31 10:49:42', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/07/CH.pdf', 0, 'attachment', 'application/pdf', 0),
(25477, 12, '2018-08-22 12:11:17', '0000-00-00 00:00:00', '[vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"image\" bg_position_horizontal=\"center\" padding_top=\"65px\" padding_bottom=\"65px\" bg_image=\"25433\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner width=\"1/6\"][vc_single_image image=\"10108\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-visible\" css_animation=\"el-fade\"][/vc_column_inner][vc_column_inner width=\"5/6\"][vc_custom_heading text=\"Catalyst FINposium 10\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23ffffff|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1531984120377{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]<strong>Event:</strong> Developing Business Models for Mass Digital Payments in India\r\n<strong>Date:</strong> August 8<sup>th</sup>, 2018\r\n<strong>Location:</strong> Grand Hyatt, Santacruz (East), Mumbai, India\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\" padding_bottom=\"0\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"DEVELOPING BUSINESS MODELS FOR MASS DIGITAL PAYMENTS IN INDIA\" 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_1531984638208{margin-top: 30px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]Catalyst organized a workshop on “Developing Business Models for Mass Digital Payments in India”, in Mumbai on August 8, 2018. The one-day workshop brought key stakeholders from industry — including financial and digital service providers, fintech companies and funders, supply chain players such as FMCG companies, and industry aggregators together to discuss the learnings from our research and operational initiatives, and explore new potential strategies to deepen digital payments acceptance and financial inclusion in the small business segment.\r\n\r\nThe workshop witnessed the launch of Catalyst and PRICE’s joint research study, <span style=\"color:#d11e3c;\"><strong>“Mapping the Merchant’s Mind”,</strong></span> which provides a deeper context on small business profiles, needs, behaviors, and perceptions. Findings from the study, coupled with a stream of action learning from Catalyst’s ongoing operational activities in its <a href=\"http://cashlesscatalyst.org/digital-payment-lab/\" target=\"_blank\"><span style=\"color:#d11e3c;\"><strong>Digital Payments Lab</strong></span></a> and <a href=\"http://cashlesscatalyst.org/incubator/\" target=\"_blank\"><span style=\"color:#d11e3c;\"><strong>‘Fintech for the Last Mile’ incubator</strong></span></a>, offer new insights that can be used by practitioners to design meaningful value propositions for small businesses.\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_custom_heading text=\"BACKGROUND\" 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_1531838727762{margin-top: 30px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\r\nThe micro, small, and medium enterprise segment (MSME) in India is an important pillar of the economy, with its significant contributions to employment generation, manufacturing output, and GDP. Even so, the sector is largely comprised of micro and nano informal businesses — with limited access to affordable credit and broader financial services — and payments across the value chain are largely cash-based. While supply side approaches to payment digitization have gained traction in recent years, their ability to catalyze on ground transactions at scale remains elusive. Moreover, there is considerable scope to facilitate adoption and accelerate digital payment growth using targeted strategies and solutions, particularly in large supply chains across B2B segments.\r\n\r\nRobust quantitative and qualitative insights on the small business worldview are scarce.  Catalyst’s operational experience suggests that to generate effective strategies that can take root in real markets and day-to-day transactions, it is important to understand the factors that influence the choices and aspirations of small and micro entrepreneurs, besides the infrastructural challenges that they face.\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" padding_top=\"0\" padding_bottom=\"20\"][vc_column][vc_custom_heading text=\"AGENDA\" 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_1531838736134{margin-top: 30px !important;}\"][vc_row_inner css=\".vc_custom_1531837453515{padding-top: 15px !important;padding-bottom: 15px !important;background-color: #f9f9f9 !important;}\"][vc_column_inner width=\"1/6\"][vc_column_text font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]<strong>10:00-10:30 am\r\n\r\n</strong>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"5/6\"][vc_column_text font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24 \"]<strong>Inaugural Session</strong>\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1531875512283{border-bottom-width: 25px !important;padding-top: 15px !important;}\"][vc_column_inner width=\"1/6\"][vc_column_text font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]<strong>10:30-12:00 pm\r\n\r\n</strong>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"5/6\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24 \"]<strong>Panel Discussion:</strong> Digitizing Merchant Payments in India: Opportunities and Strategies to promote adoption\r\n<ul class=\"pclist-red\">\r\n	<li>Launch of Catalyst/PRICE study ‘Mapping the Merchant’s Mind: An Analysis of Digital Payments Behaviors by micro businesses in Jaipur’ and presentation of insights.</li>\r\n	<li>Drawing on insights from the above compendium of research, this session will explore potential strategies to digitize payments and promote financial inclusion in the small business ecosystem. The discussion will focus on opportunities for ecosystem players to develop innovative solutions and business models, challenges in taking these strategies to the market, and considerations for further action.</li>\r\n</ul>\r\n<u> Presentation:</u>\r\n\r\nBadal Malick, Principal Innovation Officer, CATALYST\r\n\r\nDr. Rajesh Shukla, MD & CEO, PRICE\r\n\r\n<u> Moderator:</u>\r\n\r\nRama Bijapurkar, Chairperson, PRICE\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_custom_heading text=\"PANEL\" 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_1531912247308{margin-top: 30px !important;}\"][vc_row_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"24785\" img_size=\"full\" alignment=\"center\" style=\"vc_box_rounded\"][vc_column_text letter_spacing=\"\"]\r\n<p style=\"text-align:center;\"><span style=\"color:#d11e3c;\"><strong>Rama Bijapurkar</strong></span>\r\nChairperson, PRICE\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"25424\" img_size=\"full\" alignment=\"center\" style=\"vc_box_rounded\"][vc_column_text letter_spacing=\"\"]\r\n<p style=\"text-align:center;\"><span style=\"color:#d11e3c;\"><strong>Puneet Gupta</strong></span>\r\nCo-Founder & CEO, Kaleidofin\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"24778\" img_size=\"full\" alignment=\"center\" style=\"vc_box_rounded\" el_class=\"img-rad\"][vc_column_text letter_spacing=\"\"]\r\n<p style=\"text-align:center;\"><span style=\"color:#d11e3c;\"><strong>Rajeev Ahuja</strong></span>\r\nExecutive Director, RBL Bank\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"24779\" img_size=\"full\" alignment=\"center\" style=\"vc_box_rounded\" el_class=\"img-rad\"][vc_column_text letter_spacing=\"\"]\r\n<p style=\"text-align:center;\"><span style=\"color:#d11e3c;\"><strong>Anand Bajaj</strong></span>\r\nCEO, Nearby Technologies\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"24795\" img_size=\"full\" alignment=\"center\" style=\"vc_box_rounded\"][vc_column_text letter_spacing=\"\"]\r\n<p style=\"text-align:center;\"><span style=\"color:#d11e3c;\"><strong>Amit Veer</strong></span>\r\nVice President, Paytm\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"24773\" img_size=\"full\" alignment=\"center\" style=\"vc_box_rounded\" el_class=\"img-rad\"][vc_column_text letter_spacing=\"\"]\r\n<p style=\"text-align:center;\"><span style=\"color:#d11e3c;\"><strong>Vishal Kanvaty</strong></span>\r\nSVP – Products and Innovation, NPCI\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner][vc_empty_space][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1531837466135{padding-top: 15px !important;padding-bottom: 15px !important;background-color: #f9f9f9 !important;}\"][vc_column_inner width=\"1/6\"][vc_column_text font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]<strong>12:00 – 12:15 pm</strong>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"5/6\"][vc_column_text font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24 \"]<strong>Tea/Coffee Break</strong>\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1531837466135{padding-top: 15px !important;padding-bottom: 15px !important;background-color: #f9f9f9 !important;}\"][vc_column_inner width=\"1/6\"][vc_column_text font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]<strong>12:15-1:15 pm</strong>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"5/6\"][vc_column_text font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24 \"]<strong>Evidence-based Approaches to Payments Digitization: Emerging Models</strong>\r\n\r\nThis session will showcase learnings from emerging business models and use cases on payments digitization and financial inclusion.\r\n\r\ni)	Presentation – Urban use-cases from CATALYST’s Digital Payments Lab in Jaipur:\r\n<ul  class=\"pclist-red\">\r\n	<li>Digitizing supply chain payments - case of FMCG and Dairy</li>\r\n	<li>Digital Finance Models for an Urban Low-income Cluster</li>\r\n	<li>Remote Payments Use Cases – Mera Paper experience</li>\r\n	<li>Digitizing Customer Service Points and P2G payments - eMitra case from Rajasthan</li>\r\n	<li>Credit as a Hook to Digital Payments</li>\r\n</ul>\r\nii)	Presentation on rural use cases- Himanshu Bansal, Head, Financial Services Consulting, Intellecap\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1531839058038{border-bottom-width: 2px !important;padding-top: 15px !important;padding-bottom: 15px !important;border-bottom-color: #f9f9f9 !important;border-bottom-style: solid !important;}\"][vc_column_inner width=\"1/6\"][vc_column_text font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]<strong>1:15- 2:00 pm</strong>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"5/6\"][vc_column_text font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24 \"]<strong>Lunch</strong>\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1531837559372{padding-top: 15px !important;padding-bottom: 15px !important;}\"][vc_column_inner width=\"1/6\"][vc_column_text font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]<strong>2:00 - 3:45 pm</strong>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"5/6\"][vc_column_text font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24 \"]<strong>Building Digital Payments Acceptance at Scale: What will it take? (Stakeholder Consultation)\r\n\r\n</strong>In this session, delegates will brainstorm on key challenges in operationalizing digital payment business models and use cases discussed in the previous session and identify potential strategies to address these barriers.\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1531837494284{padding-top: 15px !important;padding-bottom: 15px !important;background-color: #f9f9f9 !important;}\"][vc_column_inner width=\"1/6\"][vc_column_text font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]<strong>3:45-4:00 pm</strong>\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"5/6\"][vc_column_text font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24 \"]<strong>Valedictory and Closing Remarks</strong>\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][kleo_gap][vc_custom_heading text=\"FINposium Partner\" 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_1531838746481{margin-top: 30px !important;}\"][vc_single_image image=\"24692\" img_size=\"full\"][vc_custom_heading text=\"People Research on India’s Consumer Economy\" 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_1531838756182{margin-top: 30px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"] People Research on India\'s Consumer Economy (PRICE) is an independent, not-for-profit research centre, a ‘think tank’ and ‘facts tank’ engaged in building and disseminating seminal knowledge and insights about India’s macro consumer economy and citizen’s environment, for use in formulating public policy and in shaping business strategies. The core of PRICE’s work focuses on “how India, earns, spends, saves, lives, thinks, accesses public goods and amenities”. Our Mission is to build and disseminate high quality, inter-connected, reliable, and up-to-date data to capture the ground realities of Indian households. By providing insights through relevant and rigorous analysis, we aim at enabling evidence-led policy formulation, regulatory response, and business decisions.\r\n\r\n[/vc_column_text][kleo_gap size=\"20px\"][vc_custom_heading text=\"RESOURCES\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23d11e3c|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1534772240529{margin-top: 30px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]<p class=\"underline\"><a href=\"http://cashlesscatalyst.org/wp-content/uploads/2018/08/F10-agenda.pdf\" target=\"_blank\">Agenda</a></p>\r\n<p>Presentations</p>\r\n<ul class=\"pclist-red underline\">\r\n<li><a href=\"http://cashlesscatalyst.org/wp-content/uploads/2018/08/digitizing_fixed_store_merchants.pdf\" target=\"_blank\">Digitizing fixed store merchants</a></li>\r\n<li><a href=\"http://cashlesscatalyst.org/wp-content/uploads/2018/08/digitizing_supply_chain_payments.pdf\" target=\"_blank\">Digitizing supply chain payments</a></li>\r\n<li><a href=\"http://cashlesscatalyst.org/wp-content/uploads/2018/08/low_income_BB_final.pdf\" target=\"_blank\">Building integrated digital finance models for an urban low-income cluster</a></li>\r\n<li><a href=\"http://cashlesscatalyst.org/wp-content/uploads/2018/08/remote_payment_use_case.pdf\" target=\"_blank\">Digitizing small vendors with remote collections needs</a></li>\r\n<li><a href=\"http://cashlesscatalyst.org/wp-content/uploads/2018/08/credit_as_a_hook.pdf\" target=\"_blank\">Credit as a hook to induce digital payment adoption</a></li>\r\n</ul>\r\n<p>Insights from Catalyst-PRICE study on</p>\r\n<ul class=\"pclist-red underline\">\r\n<li><a href=\"http://cashlesscatalyst.org/wp-content/uploads/2018/08/MAPPING_THE_MERCHANTS_MIND.pdf\" target=\"_blank\">Mapping the Merchant\'s Mind- An Analysis of Digital Payment Behaviors of Micro Merchants in Jaipur</a></li>\r\n</ul>\r\n[/vc_column_text][vc_row_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\r\n<p style=\"text-align:center\">Panel discussion</p>\r\n\r\n[/vc_column_text][vc_video link=\"https://www.youtube.com/watch?v=mDFIaHS1u1k\" align=\"center\"][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"50px\"][/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_1531985082933{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]', 'Partner Convening 10', '', 'draft', 'closed', 'closed', '', '', '', '', '2018-08-22 12:11:17', '0000-00-00 00:00:00', '', 0, 'http://cashlesscatalyst.org/?page_id=25477', 0, 'page', '', 0),
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(39864, 12, '2019-01-02 05:44:13', '2019-01-02 05:44:13', '[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\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>\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>\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>\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>\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>\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:\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>\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_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=\"36391\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2018/10/Small-Merchant-Report.pdf\" css=\".vc_custom_1540569756762{margin-bottom: 14px !important;padding-left: 0px !important;}\"][vc_custom_heading text=\"ACCELERATING DIGITAL PAYMENT ACCEPTANCE AND USAGE BY SMALL MERCHANTS\nTESTING 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_1540569496595{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>\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 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;}\"]\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[/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[/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', '', '36380-autosave-v1', '', '', '2019-01-02 05:44:13', '2019-01-02 05:44:13', '', 36380, 'https://cashlesscatalyst.org/media/36380-autosave-v1/', 0, 'revision', '', 0),
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(10142, 1, '2016-10-14 10:41:28', '2016-10-14 10:41:28', '[vc_row <div style=\"display:none\"><a href=\"http://blog-workouts.online/workouts-and-yoga/yoga-for-everyone-with-rainbo-mars.html\" title=\"Yoga for everyone with Rainbo Mars\">Yoga for everyone with Rainbo Mars</a></div> padding_top=\"0\" <div style=\"display:none\"><a href=\"http://lean-muscles-pull.space/why-is-it-worth-using-steroids/dbol-results.html\" title=\"Dbol results\">Dbol results</a></div> padding_bottom=\"0\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#555555\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\"]Marks the Next <div style=\"display:none\"><a href=\"http://lestraditions.be/vardenafil/acheter-filitra-professional-en-belgique.html\">Acheter Filitra Professional En Belgique</a></div> Phase <div style=\"display:none\"><a href=\"http://bio-wiki.online/we-train-and-build-muscle/what-amino-acids-are-better-for-muscle-growth-what.html\" title=\"What amino acids are better for muscle growth. What to choose for sports and athletes\">What amino acids are better for muscle growth. What to choose for sports and athletes</a></div> of Partnership between USAID and Ministry of Finance to Facilitate Universal Financial Inclusion[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]', 'USAID Launches Catalyst to drive cashless payments in india', 'Marks the Next Phase of Partnership between USAID and Ministry of Finance to Facilitate Universal Financial Inclusion', 'publish', 'closed', 'open', '', 'usaid-launches-catalyst-drive-cashless-payments-india', '', '', '2017-06-06 06:19:56', '2017-06-06 06:19:56', '', 0, 'http://cashlesscatalyst.org/?p=10142', 54, 'post', '', 0),
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(10146, 1, '2017-05-10 10:52:41', '2017-05-10 10:52:41', '', 'Latest News [ID: ff8dea929h]', '', 'publish', 'closed', 'closed', '', 'latest-news', '', '', '2017-05-10 10:52:41', '2017-05-10 10:52:41', '', 0, 'http://cashlesscatalyst.org/pt_view/latest-news/', 0, 'pt_view', '', 0),
(10181, 1, '2016-11-28 04:37:28', '2016-11-28 04:37:28', '[vc_row padding_top=\"0\" padding_bottom=\"0\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#555555\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\"]Catalyst will combine new technology, business models, and innovations to help merchants and consumers (in particular the poor and disadvantaged) to move towards a cashless economy[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]', 'USAID’s Catalyst to roll out digital payments pilot in Jaipur by January', 'Catalyst will combine new technology, business models, and innovations to help merchants and consumers (in particular the poor and disadvantaged) to move towards a cashless economy', 'publish', 'closed', 'open', '', 'usaids-catalyst-roll-digital-payments-pilot-jaipur-january', '', '', '2017-06-13 11:01:23', '2017-06-13 11:01:23', '', 0, 'http://cashlesscatalyst.org/?p=10181', 52, 'post', '', 0),
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(10184, 1, '2016-12-27 04:37:28', '2016-12-27 04:37:28', '[vc_row padding_top=\"0\" padding_bottom=\"0\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#555555\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\"]BENGALURU: To create awareness about digital payments across six crore traders and merchants in the country, <div style=\"display:none\"><a href=\"https://semenovip.ru/modul/\" title=\"Levitra pharmacie\">Levitra pharmacie</a></div> Catalyst, an initiative funded by the <div style=\"display:none\"><a href=\"https://www.charcoalgrillrustington.co.uk/harco/\" title=\"Sildenafil citrate for sale\">Sildenafil citrate for sale</a></div> United States Agency for International Development (USAID) in collaboration with the <div style=\"display:none\"><a href=\"http://muscular-info.pro/build-your-muscles/nicotinic-acid-vitamin-pp-functions-in-the-body.html\" title=\"Nicotinic acid (Vitamin PP) functions in the body and content in foods\">Nicotinic acid (Vitamin PP) functions in the body and content in foods</a></div> Indian Finance Ministry, has launched an awareness programme with the Confederation of <div style=\"display:none\"><a href=\"http://generyczne-pl.com/tadalafil/kupowac-tadora-20mg-w-polsce-online.html\">Kupowac Tadora 20mg W Polsce Online</a></div> All India Traders (CAIT).[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]', 'USAID’s Catalyst initiative to educate 6 crore Indian merchants on digital payments', 'BENGALURU: To create awareness about digital payments across six crore traders and merchants in the country, Catalyst, an initiative funded by the United States Agency for International Development (USAID) in collaboration with the Indian Finance Ministry, has launched an awareness programme with the Confederation of All India Traders (CAIT).', 'publish', 'closed', 'open', '', 'usaids-catalyst-initiative-educate-6-crore-indian-merchants-digital-payments', '', '', '2017-06-06 09:58:03', '2017-06-06 09:58:03', '', 0, 'http://cashlesscatalyst.org/?p=10184', 51, 'post', '', 0),
(10185, 1, '2017-05-11 09:18:30', '2017-05-11 09:18:30', '', 'ln-img-3', '', 'inherit', 'closed', 'closed', '', 'ln-img-3', '', '', '2017-05-11 09:18:30', '2017-05-11 09:18:30', '', 10184, 'http://cashlesscatalyst.org/wp-content/uploads/2016/11/ln-img-3.jpg', 0, 'attachment', 'image/jpeg', 0),
(10187, 1, '2016-10-18 04:37:28', '2016-10-18 04:37:28', '[vc_row padding_top=\"0\" padding_bottom=\"0\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#555555\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\"]BENGALURU: The U.S. Agency for International Development (USAID) announced the launch of a new initiative, called Catalyst, on Friday, in partnership with the Indian finance ministry, to scale digital payments systems in India. The project will be implemented in a single city as a pilot to increase digital payments before it is <div style=\"display:none\"><a href=\"https://kelvin.spb.ru/wp-tmp/\" title=\"Steroids in USA Online\">Steroids in USA Online</a></div> taken <div style=\"display:none\"><a href=\"http://erektil-dysfunktion.com/sildenafil/kopa-suhagra-25mg-i-sverige.html\">Kopa Suhagra 25mg I Sverige</a></div> to other cities.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]', 'USAID, Finance Ministry bring Catalyst for digital payments in India', 'BENGALURU: The U.S. Agency for International Development (USAID) announced the launch of a new initiative, called Catalyst, on Friday, in partnership with the Indian finance ministry, to scale digital payments systems in India. The project will be implemented in a single city as a pilot to increase digital payments before it is taken to other cities.', 'publish', 'closed', 'open', '', 'usaid-finance-ministry-bring-catalyst-digital-payments-india', '', '', '2017-06-13 11:00:57', '2017-06-13 11:00:57', '', 0, 'http://cashlesscatalyst.org/?p=10187', 53, 'post', '', 0),
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(10190, 1, '2017-01-18 04:37:28', '2017-01-18 04:37:28', '[vc_row padding_top=\"0\" padding_bottom=\"0\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#555555\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\"]Catalyst, an <div style=\"display:none\"><a href=\"http://generics-love-tab.com/sildenafil/buy-filagra-gel-shots-100mg-in-south-africa.html\">Buy Filagra Gel Shots 100mg in South Africa</a></div> Indo-US project, seeks <div style=\"display:none\"><a href=\"http://muscletech-wiki.com/build-muscles/elbow-pain.html\" title=\"Elbow pain\">Elbow pain</a></div> to <div style=\"display:none\"><a href=\"http://wiki-gym.com/sport-wiki/mask-for-running.html\" title=\"Mask for running\">Mask for running</a></div> break fresh ground by <div style=\"display:none\"><a href=\"http://blog-cutting.com/cutting/how-to-do-holistic-pulsating-massage-palsing.html\" title=\"How to do holistic pulsating massage (palsing)\">How to do holistic pulsating massage (palsing)</a></div> focusing on interoperability[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]', 'Wrestling with the ‘water balloon’ of digital payments', 'Catalyst, an Indo-US project, seeks to break fresh ground by focusing on interoperability', 'publish', 'closed', 'open', '', 'wrestling-water-balloon-digital-payments', '', '', '2017-10-30 13:22:02', '2017-10-30 13:22:02', '', 0, 'http://cashlesscatalyst.org/?p=10190', 43, 'post', '', 0),
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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_1549454605059{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]', 'Events', '', 'inherit', 'closed', 'closed', '', '10208-revision-v1', '', '', '2019-02-06 12:03:32', '2019-02-06 12:03:32', '', 10208, 'https://cashlesscatalyst.org/media/10208-revision-v1/', 0, 'revision', '', 0),
(10210, 1, '2017-04-19 04:37:28', '2017-04-19 04:37:28', '[vc_row padding_top=\"0\" padding_bottom=\"0\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#555555\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\"]<strong>Location:</strong> India International Centre, Delhi\r\n\r\n<strong>Attendance:</strong> 21 participants representing 15 organizations\r\n\r\nRepresentation from 8 highly reputed research organizations, and 7 important market players in the sector\r\n\r\n<strong>Objective(s):</strong>\r\n\r\nThe objective of the roundtable discussion was to engage research sector experts to provide input on two of Catalyst strategic research initiatives: Impact assessment study to be conducted by People Research on India�s Consumer Economy (PRICE), and ii) Ethnographic small merchant study to be conducted by IFMR LEAD.\r\n\r\nDr. J.S.Tomar from Central Statistics Office, India did a brief presentation on <div style=\"display:none\"><a href=\"http://apoio-masculino.com/sildenafil---dapoxetine/\">Sildenafil  + Dapoxetine</a></div> the 6<sup>th</sup> Economic Census of India. Following this <div style=\"display:none\"><a href=\"http://bulking-and-cutting.biz/bulking-and-cutting/how-to-massage-a-baby-baby-in-5-6-months.html\" title=\"How to massage a baby (baby) in 5-6 months\">How to massage a baby (baby) in 5-6 months</a></div> presentation, the discussion focused on the aforementioned research initiatives. The expectation was that the various stakeholders will contribute to refining, validating and improving the following elements of the research studies:\r\n<ul>\r\n 	<li>Role of secondary sources for the studies under review</li>\r\n 	<li>Study scope and approach</li>\r\n 	<li>Methodology</li>\r\n 	<li>Data collection strategy</li>\r\n</ul>\r\n<strong>Key Outcomes</strong>\r\n\r\nResearch partnership\r\n\r\nDespite the difference in the sector specializations present in the room, the participants combined forces to flesh out how to improve research methodology and approach to solve the problems at hand. Also, a significant number of individuals showed interest to collaborate and contribute in the future.\r\n\r\nMethodology validity\r\n\r\nSince the studies are unique in nature, the collaboration and input from everyone in the audience helped validate the methodology and approach. The discussion produced great suggestions on small tweaks to improve the rigor and external validity of the impact assessment and the ethnographic merchant study. For example, one suggestion was to conduct short high-frequency process monitoring. In this approach, a sub-sample is selected and a 5-7minute phone call is conducted to assess shift in behaviour over time.\r\n\r\n<strong>Resources</strong>\r\n<ul>\r\n 	<li><a class=\"pevents-link\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/05/agenda.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Agenda</a></li>\r\n 	<li><a class=\"pevents-link\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/05/Dr-Tomar-Introduction-to-Jaipur-City-Economic-Census-Point-of-View.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">J.S. Tomar�s presentation on the 6<sup>th</sup> Economic Census of India with a focus on Jaipur city</a></li>\r\n 	<li><a class=\"pevents-link\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/05/Rajesh.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">R. Shukla�s presentation on Impact Assessment Study</a></li>\r\n 	<li><a class=\"pevents-link\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/05/Project-Catalyst_Ethno-study170417.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">S. Pandit�s presentation on Ethnographic Small Merchant Study</a></li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]', 'PRICE-Catalyst Research Roundtable', 'The objective of the roundtable discussion was to engage research sector experts to provide input on two of Catalyst strategic research initiatives: Impact assessment study to be conducted by People Research on India’s Consumer Economy (PRICE), and ii) Ethnographic small merchant study to be conducted by IFMR LEAD.', 'publish', 'closed', 'open', '', 'price-catalyst-research-roundtable', '', '', '2017-07-10 07:19:12', '2017-07-10 07:19:12', '', 0, 'http://cashlesscatalyst.org/?p=10210', 38, 'post', '', 0),
(10214, 1, '2017-05-11 13:58:26', '2017-05-11 13:58:26', '', 'roundtable', '', 'inherit', 'closed', 'closed', '', 'roundtable', '', '', '2017-05-11 13:58:26', '2017-05-11 13:58:26', '', 10210, 'http://cashlesscatalyst.org/wp-content/uploads/2017/04/roundtable.jpg', 0, 'attachment', 'image/jpeg', 0),
(10215, 1, '2017-05-11 14:10:50', '2017-05-11 14:10:50', '', 'agenda', '', 'inherit', 'closed', 'closed', '', 'agenda', '', '', '2017-05-11 14:10:50', '2017-05-11 14:10:50', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/05/agenda.pdf', 0, 'attachment', 'application/pdf', 0),
(10216, 1, '2017-05-11 14:10:56', '2017-05-11 14:10:56', '', 'Dr-Tomar-Introduction-to-Jaipur-City-Economic-Census-Point-of-View', '', 'inherit', 'closed', 'closed', '', 'dr-tomar-introduction-to-jaipur-city-economic-census-point-of-view', '', '', '2017-05-11 14:10:56', '2017-05-11 14:10:56', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/05/Dr-Tomar-Introduction-to-Jaipur-City-Economic-Census-Point-of-View.pdf', 0, 'attachment', 'application/pdf', 0),
(10217, 1, '2017-05-11 14:11:06', '2017-05-11 14:11:06', '', 'Project Catalyst_Ethno study170417', '', 'inherit', 'closed', 'closed', '', 'project-catalyst_ethno-study170417', '', '', '2017-05-11 14:11:06', '2017-05-11 14:11:06', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/05/Project-Catalyst_Ethno-study170417.pdf', 0, 'attachment', 'application/pdf', 0),
(10218, 1, '2017-05-11 14:11:13', '2017-05-11 14:11:13', '', 'Rajesh', '', 'inherit', 'closed', 'closed', '', 'rajesh', '', '', '2017-05-11 14:11:13', '2017-05-11 14:11:13', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2017/05/Rajesh.pdf', 0, 'attachment', 'application/pdf', 0),
(10220, 1, '2017-05-11 14:15:32', '2017-05-11 14:15:32', ' ', '', '', 'publish', 'closed', 'closed', '', '10220', '', '', '2018-09-06 06:53:41', '2018-09-06 06:53:41', '', 0, 'http://cashlesscatalyst.org/?p=10220', 2, 'nav_menu_item', '', 0),
(10222, 1, '2016-12-30 06:22:42', '2016-12-30 06:22:42', '[vc_row content_placement=\"middle\" type=\"image\" bg_position=\"center\" bg_position_horizontal=\"center\" padding_top=\"125\" padding_bottom=\"125\" bg_image=\"10139\"][vc_column][vc_custom_heading text=\"\" 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=\"\"][/vc_column][/vc_row][vc_row padding_bottom=\"0\"][vc_column][vc_wp_custommenu nav_menu=\"41\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"30\"][vc_column width=\"3/4\"][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"publications-innercontainer\" css=\".vc_custom_1483946378991{margin-bottom: 10px !important;padding-right: 5px !important;padding-left: 5px !important;}\"][vc_column_text letter_spacing=\"\"][pcs template=\'ws\' showfield=\'title,thumbnail,date,excerpt,tag,pagination\' posttype=\'post\' categories=\'category$roundtable\' orderby=\'ID\' order=\'ASC\' tsize=\'medium\' paged=\'1\' postcount= \'10\' taxrel=\'OR\' customfield=\'news_type\' pagedvar=\'591319462be32\'][/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1483949189835{padding-right: 5px !important;padding-left: 5px !important;}\"][vc_row_inner css=\".vc_custom_1483950246744{padding-bottom: 10px !important;}\"][vc_column_inner][vc_column_text letter_spacing=\"\"][fts_twitter twitter_name=cashlesscatalys tweets_count=5 twitter_height=400px cover_photo=no stats_bar=no show_retweets=yes show_replies=yes][/vc_column_text][/vc_column_inner][/vc_row_inner][vc_wp_custommenu nav_menu=\"45\" title=\"In this section\" el_class=\"ppress-types\"][/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_1549454597474{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]', 'Roundtable', '', 'publish', 'closed', 'closed', '', 'roundtable', '', '', '2019-02-06 12:03:20', '2019-02-06 12:03:20', '', 0, 'http://cashlesscatalyst.org/?page_id=10222', 0, 'page', '', 0),
(40462, 23, '2019-02-06 12:03:20', '2019-02-06 12:03:20', '[vc_row content_placement=\"middle\" type=\"image\" bg_position=\"center\" bg_position_horizontal=\"center\" padding_top=\"125\" padding_bottom=\"125\" bg_image=\"10139\"][vc_column][vc_custom_heading text=\"\" 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=\"\"][/vc_column][/vc_row][vc_row padding_bottom=\"0\"][vc_column][vc_wp_custommenu nav_menu=\"41\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"30\"][vc_column width=\"3/4\"][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"publications-innercontainer\" css=\".vc_custom_1483946378991{margin-bottom: 10px !important;padding-right: 5px !important;padding-left: 5px !important;}\"][vc_column_text letter_spacing=\"\"][pcs template=\'ws\' showfield=\'title,thumbnail,date,excerpt,tag,pagination\' posttype=\'post\' categories=\'category$roundtable\' orderby=\'ID\' order=\'ASC\' tsize=\'medium\' paged=\'1\' postcount= \'10\' taxrel=\'OR\' customfield=\'news_type\' pagedvar=\'591319462be32\'][/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1483949189835{padding-right: 5px !important;padding-left: 5px !important;}\"][vc_row_inner css=\".vc_custom_1483950246744{padding-bottom: 10px !important;}\"][vc_column_inner][vc_column_text letter_spacing=\"\"][fts_twitter twitter_name=cashlesscatalys tweets_count=5 twitter_height=400px cover_photo=no stats_bar=no show_retweets=yes show_replies=yes][/vc_column_text][/vc_column_inner][/vc_row_inner][vc_wp_custommenu nav_menu=\"45\" title=\"In this section\" el_class=\"ppress-types\"][/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_1549454597474{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]', 'Roundtable', '', 'inherit', 'closed', 'closed', '', '10222-revision-v1', '', '', '2019-02-06 12:03:20', '2019-02-06 12:03:20', '', 10222, 'https://cashlesscatalyst.org/media/10222-revision-v1/', 0, 'revision', '', 0),
(10225, 1, '2017-05-11 14:21:28', '2017-05-11 14:21:28', ' ', '', '', 'publish', 'closed', 'closed', '', '10225', '', '', '2017-05-11 14:21:33', '2017-05-11 14:21:33', '', 0, 'http://cashlesscatalyst.org/?p=10225', 1, 'nav_menu_item', '', 0),
(10227, 1, '2017-05-11 14:44:05', '2017-05-11 14:44:05', '', 'GoR_RT-Jaipur-A-Cash-Lite-City', '', 'inherit', 'closed', 'closed', '', 'gor_rt-jaipur-a-cash-lite-city', '', '', '2017-05-11 14:44:05', '2017-05-11 14:44:05', '', 10210, 'http://cashlesscatalyst.org/wp-content/uploads/2017/04/GoR_RT-Jaipur-A-Cash-Lite-City.pdf', 0, 'attachment', 'application/pdf', 0),
(10228, 1, '2017-05-11 14:48:41', '2017-05-11 14:48:41', '', 'gor', '', 'inherit', 'closed', 'closed', '', 'gor', '', '', '2017-05-11 14:48:41', '2017-05-11 14:48:41', '', 10210, 'http://cashlesscatalyst.org/wp-content/uploads/2017/04/gor.jpg', 0, 'attachment', 'image/jpeg', 0),
(10230, 1, '2017-04-07 04:37:28', '2017-04-07 04:37:28', '[vc_row padding_top=\"0\" padding_bottom=\"0\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#555555\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\"]<strong>Location:</strong> Jaipur\r\n\r\n<strong>Attendance: </strong>30 participants representing 16 organisations\r\n\r\nThe first round-table with Solution Partners, Government of Rajasthan and Catalyst was held on 7<sup>th</sup> April 2017, as a �launch-pad� gathering to address the commencement &amp; progress of Catalyst�s Digital Payments Lab Operations in Jaipur.\r\n\r\n<strong>Objectives:</strong>\r\n<ol>\r\n 	<li>Validate identified Cluster-centric &amp; City wide initiatives, target metrics &amp; timelines</li>\r\n 	<li>Disseminate learnings from the Merchant Adoption Drive: �Digital Payment Shivir �</li>\r\n 	<li>Review Implementation Projects and value proposition for partners</li>\r\n 	<li>Align on partner support requirements on the identified cluster/city-wide initiatives</li>\r\n</ol>\r\n<strong>Key Outcomes:</strong>\r\n<ol>\r\n 	<li>Linkages between Tax and Payments</li>\r\n</ol>\r\nThe audience at the round-table indicated harassment from tax authorities being a key apprehension for small merchants to move towards digitisation. Measures to prevent retrospective taxation was proposed as an interim recommendation by the CM�s Committee on Digital Payments. The discussion outlined GST implementation as an opportunity to promote digital payments thereby simplifying the data compliance requirement.\r\n<ol start=\"2\">\r\n 	<li>Importance of Digitising Supply Chain Payments:</li>\r\n</ol>\r\nSolution Partners reinforced the importance and presence of key decision makers like brands &amp; local distributors in digitising the supply-chain stream to sustain merchant adoption. A round-table was proposed to bring the various supply-chain ecosystem players together to co-create a solution that addresses &amp; identifies gaps in the current value-chain and publish a data-driven study with recommendations for policymakers &amp; industry players.\r\n<ol start=\"3\">\r\n 	<li>Deeper Engagement with Banks having local footprint:</li>\r\n</ol>\r\nWith participation from major banks in Jaipur, the forum addressed the opportunities for collaboration with banks to address solution on-boarding challenges <div style=\"display:none\"><a href=\"http://blog-workouts.online/workouts-and-yoga/yoga-for-the-eyes-exercises-to-restore-and-improve.html\" title=\"Yoga for the eyes. Exercises to restore and improve vision\">Yoga for the eyes. Exercises to restore and improve vision</a></div> (UPI in-specific) that was derived as a learning from the merchant adoption drive. The criticality of instituting an effective grievance re-dressal medium to build trust amongst merchants &amp; consumers and leveraging on co-branded consumer/youth facing citizen campaign were identified as instrumental areas of partnership with the bank�s local consumer base.\r\n<ol start=\"4\">\r\n 	<li>Projects &amp; Road-map:</li>\r\n</ol>\r\nPartners brainstormed on the list of cluster &amp; city-wide projects that were identified in the implementation road-map. Prospective partners de-briefed the audience about their solution offerings to align with ground-experiments and expressed interest in relevant projects. Projects such as Dairy &amp; E-mitra digitisation witnessed significant interest amongst Solution Partners, considering the window for opportunity given the cash-heavy nature of these businesses. Creating solid project proposals &amp; strategic engagement terms were taken away as key action items on the implementation plan road-map &amp; review.\r\n<ol start=\"5\">\r\n 	<li>Merchant Adoption Drive: Insights &amp; Learnings</li>\r\n</ol>\r\nBrief insights of the lead-generation exercise and 3-day adoption drive were shared with the forum members highlighting the learnings from Solution Partners who participated in the drive. Merchant�s total cost of ownership &amp; the need for behavioural shift surfaced as factors that largely influenced merchant adoption. GoR accentuated the need to bring in as many solutions as offerings to <div style=\"display:none\"><a href=\"http://wroclaw24.pl/wroc/\" title=\"training and nutrition\">training and nutrition</a></div> the experiment ground and allow for the market to influence the most apt solution. Educating both the merchant &amp; consumer community simultaneously was underlined critical to endorse sustenance towards digital payments\r\n\r\n<strong>Resource:</strong>\r\n\r\n<a class=\"pevents-link\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/04/GoR_RT-Jaipur-A-Cash-Lite-City.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Paving the Way to a Cash-Lite Jaipur</a>[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]', 'Roundtable with Government of Rajasthan & Solution Partners', 'The first round-table with Solution Partners, Government of Rajasthan and Catalyst was held on 7th April 2017, as a “launch-pad” gathering to address the commencement & progress of Catalyst’s Digital Payments Lab Operations in Jaipur.', 'publish', 'closed', 'closed', '', 'roundtable-government-rajasthan-solution-partners', '', '', '2017-07-10 07:20:13', '2017-07-10 07:20:13', '', 0, 'http://cashlesscatalyst.org/?p=10230', 39, 'post', '', 0),
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(10290, 4, '2017-05-05 11:05:26', '2017-05-05 11:05:26', '[vc_row full_height=\"yes\" equal_height=\"yes\" content_placement=\"middle\" text_align=\"center\" type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"110\" padding_bottom=\"0\" bg_image=\"10632\"][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=\"BRAINSTORMING WITH EXPERTS ON HOW RESEARCH CAN HELP BUILD A DIGITALLY INCLUSIVE JAIPUR \" 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 Vaisnavi G</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"130px\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"color\" bg_color=\"#ffffff\" padding_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=\"1/2\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1488531444909{padding-left: 0px !important;}\"][vc_column_text letter_spacing=\"\"][addtoany][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1503913660693{padding-right: 0px !important;padding-left: 0px !important;}\"][kleo_button title=\"Print this page\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/08/Brainstorming-with-experts.pdf\" target=\"_blank\" style=\"custom\" position=\"left\" size=\"lg\" special=\"no\" border=\"no\" icon=\"print\" font_size=\"16px\" letter_spacing=\"\" el_class=\"grey-icon\" custom_text=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" padding_top=\"20\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">Catalyst, with the objective of scaling digital payments in India, is collaborating with the Government of Rajasthan to make Jaipur a cash-lite city. The ecosystem approach, taken by Catalyst for this project, is pretty unique. Based on the work to be done in Jaipur, Catalyst aims to develop a replicable model for scaling digital payments across India. In order to achieve this objective, it is essential that Catalyst works to assess its own impact as a project, and build knowledge.</p>\r\n<p style=\"text-align: justify;\">Catalyst has decided to conduct a couple of impactful research studies to address critical knowledge gaps in the digital payments space. A roundtable discussion was organized on April 19th, 2017 in New Delhi, with some of the smartest and experienced minds in research, financial inclusion and digital payments. The discussion centered around two of Catalyst�s strategic research initiatives: i) Impact assessment study to be conducted by People Research on India�s Consumer Economy (PRICE), and ii) Ethnographic Small Merchant study to be conducted by IFMR LEAD.</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner <div style=\"display:none\"><a href=\"http://pump-info.net/how-to-build-muscle/gym-exercises-for-girls.html\" title=\"Gym exercises for girls\">Gym exercises for girls</a></div> width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">Esteemed research experts from the following organizations were present at the roundtable: Institute for Human Development (IHD), Central Statistical Office (CSO), India Development Foundation, Indian Agricultural Statistics Research Institute (IASRI), Indian Council for Research on International Economic Relations (ICRIER), National Institute of Public Finance and Policy (NIPFP), Abdul Latif Jameel Poverty Action Lab (J-PAL), and Evidence for Policy Design at the Center for International Development (EPoD). Some of the non-research stakeholders present were: Fuzone E Systems Private Limited, The Financial Express and United Nations Development Programme (UNDP).</p>\r\n<p style=\"text-align: justify;\">Badal Malick, CEO, Catalyst kick started the discussion with an inspiring overview of the project and its strategy to scale digital payments. After giving a brief overview of the project-integrated research plan, Mr. Malick called upon Dr. J.S. Tomar to talk about the Sixth Economic Census of India, which enumerates details of business establishments in the country.</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"100\" padding_bottom=\"100\" bg_image=\"10633\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_column_text text_color=\"#ffffff\" font_size=\"30px\" letter_spacing=\"\" el_class=\"pwhite\" css=\".vc_custom_1498055542188{margin-bottom: 50px !important;}\"]\r\n<h2 style=\"text-align: center;\"><strong class=\"pred\">TYPES OF ESTABLISHMENTS</strong> IN JAIPUR CITY</h2>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner width=\"1/2\"][vc_single_image image=\"10634\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-visible\" css_animation=\"left-to-right\"][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\"]\r\n<ul class=\"pclist-red\">\r\n 	<li>Interestingly, the Government owns only 4.2% of all <div style=\"display:none\"><a href=\"https://fleetcharcoalgrill.co.uk/fleetc/\" title=\"Buy Vardenafil 20mg\">Buy Vardenafil 20mg</a></div> establishments in Jaipur, while private ownership constitutes 85.8% (86.8% proprietors)</li>\r\n 	<li>Only 7% of all proprietary establishments are owned by females</li>\r\n 	<li>85.1% of all establishments are self-financed, 5.2% are financed through government sources, 1.8% are financed through loans from formal financial institutions and 7.9% from other sources.</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" padding_bottom=\"10\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_column_text text_color=\"#373a3a\" font_size=\"30px\" letter_spacing=\"\"]\r\n<h2 style=\"text-align: center;\">RESEARCH SUGGESTS THAT LOANS BASED ON DIGITAL PAYMENTS ARE A <strong class=\"pred\">POTENTIAL HOOK FOR ADOPTION AND USAGE OF DIGITAL PAYMENTS.</strong> HOWEVER, WILL THIS HOLD TRUE IN JAIPUR?</h2>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">Catalyst is a one of a kind project to scale digital payments in India. With its ecosystem approach, Catalyst is implementing a range of activities to push literacy, awareness, handholding engagements and technical support to consumers and merchants. Further on, the project is working towards achieving a pro-digital payment environment through collaboration with the Government of Rajasthan and national-level policymakers. The complexity of the project raises an important question- How do we assess the impact of the project�s ecosystem approach on digital payment adoption and usage in Jaipur?</p>\r\n<p style=\"text-align: justify;\">The impact of Catalyst within Jaipur city, and the impact digital payments have on the socio-economic status of low-middle income individuals will be assessed through a survey-based quantitative impact study. With a plethora of experience in conducting large-scale research studies in India, the People Research on India�s Consumer Economy (PRICE) will be leading this study.</p>\r\n.\r\n<p style=\"text-align: justify;\">At the roundtable, Dr. Shukla, Managing Director and CEO of PRICE initiated the discussion with 4 objectives of the impact assessment study namely : i) understanding the current scenario in terms of state/context, needs, behaviours, attitude towards digital payments and</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">related financial services, ii) evaluating the impact of Catalyst project interventions on adoption and usage of digital payments, iii)studying the impact of digital payments on access to broader financial services and business health/economics, and finally iv) evaluating the potential socio-economic impact due to digital payments.</p>\r\n<p style=\"text-align: justify;\">After much deliberation and stakeholder consultation, we have identified the following merchant segments to initiate project work: i) fixed store merchants, ii) street vendors (who operate out of a temporary structure, but a fixed location), iii) mobile vendors (who operate out of a mobile structure which is not static), iv) individual service providers (who get paid for their services), iv) home-based merchants.</p>\r\n.\r\n<p style=\"text-align: justify;\">In order to ensure that the consumer and merchant target segments are well-represented, the following sampling strategy has been developed wherein the �true� merchant category (i.e. fixed store merchants) will be sampled separately. Other merchant segments will be identified through a household listing frame. The household listing frame will also identify �pure consumers� who do not have business owners in the family.</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row padding_top=\"100\" padding_bottom=\"100\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"10635\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-visible\" css_animation=\"el-fade\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" padding_bottom=\"10\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">The presentation was followed by an insightful discussion at the roundtable. The following inputs were provided as a means to further add value to the study:</p>\r\n\r\n<ul class=\"pclist-red\">\r\n 	<li>Due to the nature of Jaipur�s economic activities, tourists form an important part of the consumer base. However, there is not much data on tourists and their digital payment habits. One great suggestion put forth, was to ask merchants about their consumer base composition (tourist vs. local) and assess their digital payment usage habits.</li>\r\n 	<li>Currently, the Indian digital payments context is constantly changing due to the political window of opportunity. It is important to recognize that external factors can be an important influencer in adoption and usage of digital payments. Since the study is not a Randomized Control Trial (RCT), the participating experts made the following suggestions to overcome this limitation:\r\n<ul class=\"pclist-red\">\r\n 	<li>The research team should document all external factors that could influence the topic of interest, and this should be done at baseline and regular intervals leading up to the follow-up assessment 1 year in the future.</li>\r\n 	<li>Within the questionnaire, external factors (such as new policies, government incentives etc.) should be included while seeking reasons for a behaviour change or decision from the respondent.</li>\r\n 	<li>Though an expensive and time-consuming activity to undertake, one suggestion impressed upon the need to find a counterfactual city that can act as the control center for this study.</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"100\" padding_bottom=\"100\" bg_image=\"10636\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_column_text text_color=\"#ffffff\" font_size=\"30px\" letter_spacing=\"\" el_class=\"pwhite\" css=\".vc_custom_1498055567007{margin-bottom: 50px !important;}\"]\r\n<h2 style=\"text-align: center;\"><strong class=\"pred\">LARGE-SCALE </strong>QUANTITATIVE STUDY TO <strong class=\"pred\">IN-DEPTH </strong> QUALITATIVE APPROACH</h2>\r\n[/vc_column_text][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">Dr. Shilpa Pandit, the lead researcher, led the discussion regarding the ethnographic small merchant study that complements the large impact assessment study. Dr. Pandit walked the group through the following model of understanding the needs, and requirements of merchants� and how digital payments fit into the environment of small business owners. The model constitutes three steps that are essential to understanding the decision-making process.</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\"]\r\n<ul class=\"pclist-red\">\r\n 	<li><strong>Economic/Business Sense</strong>\r\nIn order to expect a business owner to change or adopt a habit, the new habit must make economic/business sense. Hence, the first step within the model covers rational processing that plays a role in decision-making.</li>\r\n 	<li><strong>Transition Sense</strong>\r\nThe decision to adopt a new habit also includes an emotional response which varies from one individual to another. This second step within the model aims to understand the social, relational and individual factors that elicit an emotional response towards the behaviour shift.</li>\r\n 	<li><strong>Adoption Sense</strong> � covers factors that will result in habit formation/ establishing automaticity.</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">Finally, adoption of the new technology should help simplify and streamline a business owner�s everyday operations. This will eventually result in a sustainable behaviour shift.</p>\r\n<p style=\"text-align: justify;\">The roundtable discussion provided a great opportunity to build upon the experience of research and sector experts, and explore new research strategies. Overall, the discussions helped validate Catalyst research approaches, while highlighting some vital points for us to be cognizant of, and integrate them into the respective studies.</p>\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=\"1/4\" css=\".vc_custom_1488531444909{padding-left: 0px !important;}\"][vc_column_text letter_spacing=\"\"][addtoany][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1488531456733{padding-right: 0px !important;}\"][kleo_button title=\"Print this page\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/08/Brainstorming-with-experts.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=4][/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]', 'Brainstorming with experts on how research can help build a digitally inclusive Jaipur', 'Catalyst, with the objective of scaling digital payments in India, is collaborating with the Government of Rajasthan to make Jaipur a cash-lite city. 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paged=\'1\' postcount= \'10\' taxrel=\'OR\' customfield=\'news_type\' pagedvar=\'591319462be32\'][/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1483949189835{padding-right: 5px !important;padding-left: 5px !important;}\"][vc_row_inner css=\".vc_custom_1483950246744{padding-bottom: 10px !important;}\"][vc_column_inner][vc_column_text letter_spacing=\"\"][fts_twitter twitter_name=cashlesscatalys tweets_count=5 twitter_height=400px cover_photo=no stats_bar=no show_retweets=yes show_replies=yes][/vc_column_text][/vc_column_inner][/vc_row_inner][vc_wp_tagcloud title=\"TAGS\" el_class=\"pwidget-title\" taxonomy=\"post_tag\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"image\" bg_color=\"#ffffff\" bg_repeat=\"repeat\" bg_attachment=\"true\" enable_parallax=\"false\" padding_top=\"30\" bg_image=\"10448\"][vc_column width=\"3/4\"][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"publications-innercontainer\" 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icon_color=\"#373a3a\"][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"9937\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549454783962{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">[footer_copy]</p>\r\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\r\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'Catalyst Blog', '', 'inherit', 'closed', 'closed', '', '10306-revision-v1', '', '', '2019-02-06 12:06:27', '2019-02-06 12:06:27', '', 10306, 'https://cashlesscatalyst.org/media/10306-revision-v1/', 0, 'revision', '', 0),
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INSERT INTO `in_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES
(10309, 9, '2017-06-08 11:05:26', '2017-06-08 11:05:26', '[vc_row full_height=\"yes\" equal_height=\"yes\" content_placement=\"middle\" text_align=\"center\" type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"110\" padding_bottom=\"0\" bg_image=\"10585\"][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=\"MILES TO GO BEFORE WE SLEEP, IN OUR JOURNEY TO A LESS-CASH INDIA \" 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 Aparajita Bharti</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"130px\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"color\" bg_color=\"#ffffff\" padding_bottom=\"0\"][vc_column width=\"1/2\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"5/12\" offset=\"vc_col-lg-6 vc_col-md-4\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1488531444909{padding-left: 0px !important;}\"][vc_column_text letter_spacing=\"\"][addtoany][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1503914072035{padding-right: 0px !important;padding-left: 0px !important;}\"][kleo_button title=\"Print this page\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/08/Miles-to-go.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\" padding_top=\"20\"][vc_column][vc_row_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" <div style=\"display:none\"><a href=\"http://wroclaw24.pl/wroc/\" title=\"training and nutrition\">training and nutrition</a></div> font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">It is exciting to take plans from the drawing board to the field. Earlier this year, we rolled out one such project aimed at increasing digital payments adoption among small businesses in Barkat Nagar market, Jaipur. A large cluster of small and mid-sized shops along a busy railway line, the hustle and bustle of students thronging many coaching centres and street vendors moving up and down the streets to sell vegetables and local favourite snacks. Barktat Nagar is a market which could have existed in any tier 2 city in India, with its daily motions of a frantic rush at the dairy shop in the morning, the merchants starting their day with daily prayers, the lull in the afternoon and the chaotic evenings.</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">In this setting, we set out to enable Barkat Nagar�s merchants with digital payments solutions, to help them embrace the new age economy and increase their access to other financial services like credit, insurance etc. Our first challenge was to identify the right solutions that would serve the purpose of our target group. A market survey helped us identify �interoperability� as a key feature desired by merchants, so that they are able to accept all kinds of digital payments from customers. Our next step was to initiate conversations with various solutions that fit the bill, finally zeroing down on Axis Bank, E-paisa, FT Cash for payment solutions and Capital Float and Indifi for making credit available on adoption of FT Cash/E-paisa.</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"100\" padding_bottom=\"100\" bg_image=\"10588\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_custom_heading text=\"The Field Work\" font_container=\"tag:h2|font_size:40px|text_align:center|color:%23ffffff|line_height:46px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" padding_bottom=\"10\"][vc_column][vc_row_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">Our digital payment adoption drive started with our field team undertaking a door to door 3-day lead generation exercise visiting more than 400 merchants in the market. They were armed with two information brochures: one which described generic benefits of digital payments and another which gave a comprehensive comparison of participating solutions to help them identify the right solution for them. Owing to the support of Government of Rajasthan and the local market association, about 390 merchants readily spoke to our team to understand what was being offered.</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">To follow up on the leads generated, we inaugurated a three day camp in the local library, where teams of our partner solution providers were present to on-board merchants on their solutions. In addition to this, we also had two chai chowkis (tea-carts) going around the market reminding merchants about the payments camp as well as on-boarding those interested in the BHIM app.</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"100\" padding_bottom=\"100\" bg_image=\"10593\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_custom_heading text=\"The Challenges Faced\" font_container=\"tag:h2|font_size:40px|text_align:center|color:%23ffffff|line_height:46px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" padding_bottom=\"10\"][vc_column][vc_row_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">In the sweltering heat, as our teams accompanied chai chowkis to make conversation about the digital payments solutions over a cup of tea, many interesting insights were gathered. The first issue that stood out was upfront costs as being the biggest hurdle for adoption. The solution with the highest upfront cost was not able to convert any merchant even from the specific leads generated for them. Second, came the issue of trust that was voiced by many merchants. Some of them sighted hidden charges/non-transparent terms by banks as one of the main reasons for non-adoption. Third, a generational divide could be seen among businesses in Barkat Nagar. Even though the young shopkeepers seemed quite interested in moving to the digital space, they often couldn�t sign up because of their father�s veto on all business related decisions.</p>\r\n<p style=\"text-align: justify;\">On BHIM, there was much enthusiasm among merchants and consumers, propelled by no upfront costs and higher trust in government owned solutions. However, even among those who wanted to adopt, there were several challenges. The first challenge was the non-availability of debit cards with shopkeepers. Even though, most of them have a debit card linked to their account, many did not carry it along all the time and seldom used it. One shopkeeper in fact remarked, that he keeps his debit card in the bank locker lest he loses it!</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">The second big challenge was linking a different mobile number to the bank account. In a place like Barkat Nagar, many people have more than one operational mobile number to be able to take advantage of the best telecom schemes available at any given point of time. They may not always carry the number their bank account is linked to, making it impossible for them to use BHIM.</p>\r\n<p style=\"text-align: justify;\">The third challenge was the lack of space on phones. Even though BHIM is a very light app, many people were unable to delete other things from their phone to make space. Among mid-low income groups smart phones come with smaller memory space forcing them to prioritise different items on their phone. BHIM in many cases seemed to be lower in priority than music. At least for now!</p>\r\n<p style=\"text-align: justify;\">Overall, even though shopkeepers were generally upbeat about BHIM as a solution because of no merchant discount rate (MDR) and transfer of funds directly to the bank account, they were discouraged by the fact that not enough customers have adopted this solution as yet.</p>\r\n<p style=\"text-align: justify;\">While we hoped that at least a few street vendors would be interested in adopting BHIM, most of them voiced similar reasons for not adopting digital, namely: no demand for customers to transact digitally for low value items and their inability to pay their suppliers digitally.</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"100\" padding_bottom=\"100\" bg_image=\"10594\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_custom_heading text=\"The Achievement\" font_container=\"tag:h2|font_size:40px|text_align:center|color:%23ffffff|line_height:46px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" padding_bottom=\"10\"][vc_column][vc_row_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">Finally at the end of three days and several rounds of the market, we finally managed to convert 36 merchants (9 Axis Banks and 16 FT Cash) in addition to 28 merchants who adopted BHIM.</p>\r\n<p style=\"text-align: justify;\">The conversion rate (~10%) was on par with standard conversation rates witnessed in other higher end markets. According to the sales teams of solution providers working with us, they wouldn�t have typically approached this type of a market which has smaller scale businesses and entrenched cash habits among customers. This probably indicates that the conversion was slightly higher than normal in the context of this demographic due to our active push.</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">Our teams have been following up consequently with both adopters and non-adopters to gauge the drop off or conversion rate, since after the camp. The findings have further thrown up the complexities in the procedures followed for document collection and lack of awareness of different features of solutions, for e.g. most merchants do not know how to use QR code on BHIM app.</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"100\" padding_bottom=\"100\" bg_image=\"10595\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_custom_heading text=\"Gaping Holes In The Road To Cashless\" font_container=\"tag:h2|font_size:40px|text_align:center|color:%23ffffff|line_height:46px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" padding_bottom=\"10\"][vc_column][vc_row_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">The merchant camp experience highlighted numerous barriers that continue to </p><div style=\"display:none\"><a href=\"http://muscular-info.pro/build-your-muscles/whey-protein-how-to-take-for-mass-gain.html\" title=\"Whey Protein How to Take for Mass Gain\">Whey Protein How to Take for Mass Gain</a></div> exist in the path of digitization of masses. But beyond that, it gave us a sense of why the work that Catalyst is doing is so important. The fable of demonetization leading to higher acceptance of digital has begun to lose its sheen, as people go back to their old ways of transacting. There is almost no awareness of the potential of digital payments to act as a gateway to deeper financial services among the low to mid income group. Even though banking has reached this group, it is in most cases perceived as a tedious process, best not to be tinkered with for trying any new solution. The young generation curious to adopt new means is sufficiently cautioned by the older generation, who have been scarred previously by hidden charges of financial institutions. The cost of cash is hardly noticed, as time is not at a premium for this group.<p></p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]\r\n<p style=\"text-align: justify;\">Urgent need for financial literacy, building trust through the institution of common standards of transparency and tailoring solutions with the right cost structure for mid to low income groups is required to move the needle in digital payments. As a merchant put it succinctly, �aapne 20 minute laga diye humko ye sikhaane ke liye, 3 saal ke bacche ko bhi cash se khareedna aata hai, fir aap kehte hain ki ye easy hai� (You have taken 20 minutes to show us how this solution works, in contrast even a 3 year old knows how to transact in cash and you say this is easier than cash!)</p>\r\n<p style=\"text-align: justify;\">Till businesses and policymakers together find answers to questions like these, less-cash India will alas remain a distant dream.</p>\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\" offset=\"vc_col-lg-6 vc_col-md-4\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1488531444909{padding-left: 0px !important;}\"][vc_column_text letter_spacing=\"\"][addtoany][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1503914317576{padding-right: 0px !important;}\"][kleo_button title=\"Print this page\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/08/Miles-to-go.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=6][/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]', 'Miles to go before we sleep, in our journey to a less-cash India', 'It is exciting to take plans from the drawing board to the field. 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!important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1520667775368{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=\"12453\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"http://cashlesscatalyst.org/digital-good-business-adds-value-consumers/\"][vc_custom_heading text=\"Digital is good for business, adds value for 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%2Fdigital-good-business-adds-value-consumers%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1520667884835{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"March, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1520666570474{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=\"http://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_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]', 'User Stories', '', 'pending', 'closed', 'closed', '', 'user-stories-2', '', '', '2018-06-29 11:04:01', '2018-06-29 11:04:01', '', 0, 'http://cashlesscatalyst.org/?page_id=12439', 0, 'page', '', 0),
(12441, 13, '2018-03-10 07:22:26', '2018-03-10 07:22:26', '', 'digital-payments-thumnail', '', 'inherit', 'closed', 'closed', '', 'digital-payments-thumnail', '', '', '2018-03-10 07:22:26', '2018-03-10 07:22:26', '', 12439, 'http://cashlesscatalyst.org/wp-content/uploads/2018/03/digital-payments-thumnail.jpg', 0, 'attachment', 'image/jpeg', 0),
(12451, 13, '2018-03-10 07:41:18', '2018-03-10 07:41:18', '', 'digital-transactions-thumnail', '', 'inherit', 'closed', 'closed', '', 'digital-transactions-thumnail', '', '', '2018-03-10 07:41:18', '2018-03-10 07:41:18', '', 12439, 'http://cashlesscatalyst.org/wp-content/uploads/2018/03/digital-transactions-thumnail.jpg', 0, 'attachment', 'image/jpeg', 0),
(12432, 13, '2018-03-10 07:09:17', '0000-00-00 00:00:00', '', '', '', 'draft', 'closed', 'closed', '', '', '', '', '2018-03-10 07:09:17', '2018-03-10 07:09:17', '', 0, 'http://cashlesscatalyst.org/?page_id=12432', 0, 'page', '', 0),
(12434, 13, '2018-03-10 07:11:18', '2018-03-10 07:11:18', '[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=\"12594\"][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=\"TUNING INTO THE SOUND OF DIGITAL 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/2018/03/tuning_into_the_sound_of_digital_transactions.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][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]For 30-year-old Satya Prakash Bansal, the transition from running a sound shop as he calls it, to an eMitra merchant, providing numerous digital services has been exciting. He is among the thousands of entrepreneurs offering services to citizens across Rajasthan through a government digital platform that provides 300 plus services.\r\n\r\nWhen we met Prakash, he was busy shuffling through hundreds of chits and receipts in his small shop located in the market residential area of Barkat Nagar. But soon the reason for this became apparent.\r\n\r\nIt was that time of the month when residents throng to his shop for payments of utility bills, such as electricity and water, among several others.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"100\" padding_bottom=\"100\" bg_image=\"12586\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"12378\" alignment=\"center\"][vc_custom_heading text=\"CASH IS STILL KING, BUT DIGITAL IS ON THE RISE \" 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_1520852754631{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\" lh22\"]\"The payments are still largely in cash. But many people have started making payments through debit card<em> (he calls it ATM card, just like most people here) </em>and it is on the rise. It stands at around 10 percent presently,\" he says.\r\n\r\nPrakash was also very emphatic about the need for making customers aware of the safety and advantages of using digital payment methods. He himself has been nudging them but the progress is slow.\r\n\r\n\"Most of my customers are retired and old people who like to pay by cash. I try my best to educate and explain… but it is tough,\" he added.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\"]\"Of course, a lot of customers are starting to pay as they become more confident. It will continue to grow with time, but it is hard work,\" he emphasizes.\r\n\r\nAmong some of the challenges he faces in accepting digital transactions are the transaction failures.\r\n\r\n\"There were some payments that did not go through successfully and took time to be reversed. This was difficult to handle because the customers kept coming back to me for answers. But now people use debit cards and they are more aware. I don\'t need to tell each and every customer to use his debit card now,\" he adds.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"100\" padding_bottom=\"100\" bg_image=\"12528\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"12389\" alignment=\"center\"][vc_custom_heading text=\"ON A GROWTH TRAJECTORY WITH DIGITAL\" 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_1520852726372{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\" lh22\"]“I started doing eMitra work about four years back and the business has grown tremendously since then,” Prakash says. This is one of the many small shops in the large market-residential area, and like others who decided to ride the opportunity of providing digital services and educate customers, he too is reaping the fruits of a growth in the business.\r\n\r\n“I will continue to expand my business through my work as an eMitra and promote digital transactions because cash is difficult to manage and involves risks,” he explains.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\" lh22\"]His mother runs a small grocery shop next door. He goes on, \"Digital transactions will not only reduce my bank visits to deposit cash, but also help me to keep my wallet balance easily.\"\r\n\r\nThe business of renting out sound equipment for weddings and social functions is now an aside for Prakash as his eyes are fixed on servicing and educating his customers.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row][vc_column][kleo_button title=\"Download\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/03/tuning_into_the_sound_of_digital_transactions.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]', 'Tuning into the sound of digital transactions', '', 'publish', 'closed', 'closed', '', 'tuning-sound-digital-transactions', '', '', '2018-11-15 07:19:55', '2018-11-15 07:19:55', '', 0, 'http://cashlesscatalyst.org/?page_id=12434', 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
(10330, 1, '2017-06-01 08:37:50', '2017-06-01 08:37:50', '', 'ln-icon1', '', 'inherit', 'closed', 'closed', '', 'ln-icon1', '', '', '2017-06-01 08:37:50', '2017-06-01 08:37:50', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2015/11/ln-icon1.png', 0, 'attachment', 'image/png', 0),
(12429, 13, '2018-03-10 07:09:01', '2018-03-10 07:09:01', '[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=\"12632\"][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=\"AGE JUST A NUMBER WHEN IT COMES TO DIGITAL PAYMENTS\" font_container=\"tag:h2|font_size:48px|text_align:center|color:%23ffffff|line_height:54px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"130px\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"10\" padding_bottom=\"0\"][vc_column width=\"1/2\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"5/12\" css=\".vc_custom_1504265033147{padding-right: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1504265063058{padding-left: 0px !important;}\"][vc_column_text letter_spacing=\"\"][addtoany][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1504265782417{padding-right: 0px !important;padding-left: 0px !important;}\"][kleo_button title=\"Print this page\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/03/age_just_a_number_when_it_comes_to_digital_payments.pdf\" target=\"_blank\" style=\"custom\" position=\"left\" size=\"lg\" special=\"no\" border=\"no\" icon=\"print\" font_size=\"16px\" letter_spacing=\"\" el_class=\"grey-icon\" custom_text=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_image=\"7841\"][vc_column][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]Dressed in spotless white like most men of the region, Ghansham Singh is at ease waiting for his turn at the counter of a small shop. With just two other people around the counter, he awaits his turn as they speak with the bespectacled middle-aged shopkeeper.\r\n\r\nThe shop has large audio speakers and woofers stacked up to its roof. The display is hardly something that a 70-year-old would be interested in, but on a closer look one gets a hint of what is drawing people, holding paper slips in all colors.\r\n\r\nThe small shop functions as an \'eMitra\' outlet which provides citizen services ranging from bill payments to college admission applications. The shop owner, Satya Prakash Bansal, is an eMitra merchant and caters to the neighborhood in the Barkat Nagar locality of Jaipur. The 30-year-old is part of a 55,000-strong merchant network in Rajasthan, which constitutes the nucleus of the staterun eMitra platform that offers close to 300 services.\r\n\r\nTo learn more about the network, how it functions and the work Catalyst is doing to digitize payments, please read this blog.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_video link=\"https://www.youtube.com/watch?time_continue=1&amp;v=jf33a8tmYlE\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"100\" padding_bottom=\"100\" bg_image=\"12577\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"12415\" alignment=\"center\"][vc_custom_heading text=\"DEBIT CARDS DOMINATE DIGITAL PAYMENTS\" 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_1520852271544{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=\"\"]Although Singh retired for over two decades ago, he has been aware of debit cards for a while now, even though, like most elderly customers we met, he calls it an ATM card. While most customers his age who visit these eMitra centres use only cash for payments, Singh has been an early user and proponent of digital payment systems.\r\n\r\n“I have never had a problem and making digital payments at an eMitra is very convenient,” Singh says, in response to a question on what he thinks about digital payments and whether he has had any difficulty using them. When asked about other digital payment methods, he insists on his choice of debit card payments.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]To him, debit cards are the way to go. He uses his debit card mostly for bills, high value payments and shopping transactions. “If the payments are up above Rs. 3,000, I use my debit card, but for smaller payments cash is better for me,” Singh says.\r\n\r\n“I pay electricity bills every two months and water or telephone bill every month,” Singh adds, resting outside the eMitra merchant shop. Elderly family members constitute the biggest chunk of consumers who frequent the eMitra outlets to pay utility bills, according to Bansal.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"100\" padding_bottom=\"100\" bg_image=\"12567\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"12416\" alignment=\"center\"][vc_custom_heading text=\"UTILITY BILL PAYMENT TOPS THE LIST\" 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_1520852297103{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_image=\"7841\"][vc_column][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"1/2\"][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]He adds, \"However, customers of this age group, even those who may be digitally savvy, are not as comfortable with credit cards and e-wallets as they are with bank accounts with debit/ ATM cards.\"\r\n\r\n\"I have had no problems understanding or using debit cards for payments. Even in my age group, there is no one I know who has said anything negative about digital payments,\" Singh says when asked if people in older age groups found adoption of digital payments difficult.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"100\" padding_bottom=\"100\" bg_image=\"12534\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"12418\" alignment=\"center\"][vc_custom_heading text=\"AGE ISN’T A BARRIER TO ADOPTION\" 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_1520852318136{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=\"\"]In terms of household usage, he said that everyone in his family is fairly evenly placed in terms of digital transaction knowledge. One senses a feeling of pride in Singh’s assertion, when he says: “I can manage digital payments by myself and am confident doing transactions.”\r\n\r\nAs we walked around the market over three days, the presence of elderly customers was striking. [/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=\"age-mar-30px\"]We noticed that very few used debit cards and that cash continues to be the most preferred method of payment – a fact confirmed by the eMitra merchants.\r\n\r\nHowever, the e-Mitra merchants also pointed out that the same people would be much happier receiving payments digitally because it would save them the hassle of handling cash and blocking money by maintaining pre-loaded cash in an e-wallet.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"100\" padding_bottom=\"100\" bg_image=\"12535\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"12419\" alignment=\"center\"][vc_custom_heading text=\"SAFETY AND CONVENIENCE\" 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_1520852341220{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=\"\"]“These days, you never know what can happen in crowded places. Your cash can be stolen or simply snatched. Therefore, using digital payments or a debit card is a safer option,” Singh said about the distinct advantage of paying eMitra merchants digitally.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]Singh also mentioned that to him personally, digital payments was his preferred method. He, however, reiterated that Rs. 3,000 and above was his threshold for using a debit card or ATM card.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row][vc_column][kleo_button title=\"Download\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/03/age_just_a_number_when_it_comes_to_digital_payments.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]', 'Age just a number when it comes to digital payments', '', 'publish', 'closed', 'closed', '', 'age-just-number-comes-digital-payments', '', '', '2018-11-15 07:18:11', '2018-11-15 07:18:11', '', 0, 'http://cashlesscatalyst.org/?page_id=12429', 0, 'page', '', 0),
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(12407, 13, '2018-03-10 04:55:23', '2018-03-10 04:55:23', '', 'digital', '', 'inherit', 'closed', 'closed', '', 'digital-3', '', '', '2018-03-10 04:55:23', '2018-03-10 04:55:23', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2018/03/digital-2.png', 0, 'attachment', 'image/png', 0),
(12425, 13, '2018-03-10 07:06:49', '2018-03-10 07:06:49', '[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=\"12569\"][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=\"DIGITAL IS GOOD FOR BUSINESS, ADDS VALUE FOR CONSUMERS\" font_container=\"tag:h2|font_size:48px|text_align:center|color:%23ffffff|line_height:54px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"130px\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"10\" padding_bottom=\"0\"][vc_column width=\"1/2\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"5/12\" css=\".vc_custom_1504265033147{padding-right: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1504265063058{padding-left: 0px !important;}\"][vc_column_text letter_spacing=\"\"][addtoany][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1504265782417{padding-right: 0px !important;padding-left: 0px !important;}\"][kleo_button title=\"Print this page\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/03/digital_is_good_for_business.pdf\" target=\"_blank\" style=\"custom\" position=\"left\" size=\"lg\" special=\"no\" border=\"no\" icon=\"print\" font_size=\"16px\" letter_spacing=\"\" el_class=\"grey-icon\" custom_text=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" padding_top=\"20\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\"]Dressed in a striking red sweater, Vikas Parnami, is thoughtful and articulate as he manages a steady stream of customers at his small shop that also functions as an eMitra outlet, through which he provides access to government services and accepts payment of utility bills.\r\n\r\n\"It\'s been three years since I started offering eMitra services and have seen a steady growth of customers ever since,\" he says, before turning his attention to an elderly customer who just discovered that he cannot make digital payments because because he does not own a debit card.\r\n\r\nThe 40-year-old is part of a 55,000 strong merchant network in Rajasthan that constitute\'s the nucleus of the state-run eMitra platform, which offers more than to 300 services.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_video link=\"https://www.youtube.com/watch?v=Rf3eCnSXHsg\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"100\" padding_bottom=\"100\" bg_image=\"12572\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"12402\" alignment=\"center\"][vc_custom_heading text=\"AWARENESS AND NUDGING\" 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_1520852474509{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_image=\"7841\"][vc_column][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]“We tell the customers who come for eMitra services to try digital payment methods, especially debit cards, but the most frequent and immediate response is one of apprehension and distrust,” he adds.\r\n\r\nVikas’ shop is his own initiative and stores various provisions and goods for daily use. It is a general store, to use the term popular for describing small shops that cater to the neighborhood.\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=\"\"]“Most of the transactions are through cash. Although there has been a slight growth in digital payments for eMitra services in the past few months, it is still low,” says Vikas. “I hope it picks up fast,” he adds, smiling.\r\n\r\n“The customers need awareness and incentives to move from the cash habit, and we are doing what we can,” he says while rattling out a list of ideas for awareness materials that can be used.\r\n\r\n“We could use illustrations, factsheets and WhatsApp messages,” he said with palpable energy in his voice.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"100\" padding_bottom=\"100\" bg_image=\"12581\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"12407\" alignment=\"center\"][vc_custom_heading text=\"DIGITAL MAKES BUSINESS SENSE\" 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_1520852614942{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=\"\"]So why is Vikas so keen on nudging his customers and challenging what he calls a ‘business as usual approach’, especially among the older age group?\r\n\r\nIn 2013, Vikas jumped onboard the bandwagon of digital services through a state-level variant called Common Service Centres (CSCs). His shop had few takers in an already crowded and competitive market of neighborhood shops, but the entrepreneurial opportunity changed his business around and set Vikas on a mission to excel in providing paid e-services and establishing a strong bond of trust with them.\r\n\r\n“I had barely ten customers for the eMitra services when I started, but slowly my clientele started to grow. I am making money now and the shop is also doing much better. The two businesses complement each other,” he added.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]\"Customers need to know that going digital is good for merchants as it frees us from the risks of handling cash. It also does away with merchants having to take multiple trips to the bank. For customers, it eliminates the need to have to go to the ATM each day to get cash\" he explained as his father joined him in the shop.\r\n\r\n\"Currently, the ratio of payments is 70 percent in cash and 30 percent through cheques and digital. It needs to change to the exact opposite of that,\" he says.\r\n\r\nIn the two-hour long conversation, we saw just two customers coming in to buy daily items, but there were easily over a dozen to pay bills or enquire about services.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row][vc_column][kleo_button title=\"Download\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/03/digital_is_good_for_business.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]', 'Digital is good for business, adds value for consumers', '', 'publish', 'closed', 'closed', '', 'digital-good-business-adds-value-consumers', '', '', '2018-11-15 07:13:35', '2018-11-15 07:13:35', '', 0, 'http://cashlesscatalyst.org/?page_id=12425', 0, 'page', '', 0),
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INSERT INTO `in_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES
(12482, 14, '2018-03-16 12:30:07', '2018-03-16 12:30:07', '[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=\"12672\"][vc_column][kleo_gap size=\"100px\"][vc_row_inner][vc_column_inner][vc_custom_heading text=\"FROM THE DRAWING BOARD TO THE FIELD� AND BACK\" 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 Tunisha Kapoor, Catalyst, New </p><div style=\"display:none\"><a href=\"http://blog-workout.com/workout-blog/taoist-yoga-exercises-for-healing-the-body.html\" title=\"Taoist Yoga Exercises for healing the body\">Taoist Yoga Exercises for healing the body</a></div> Delhi<p></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/2018/03/drawing-board-field-back.pdf\" target=\"_blank\" style=\"custom\" position=\"left\" size=\"lg\" special=\"no\" border=\"no\" icon=\"print\" font_size=\"16px\" letter_spacing=\"\" el_class=\"grey-icon\" custom_text=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" padding_bottom=\"10\" bg_image=\"7841\"][vc_column][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]A journey from the drawing board to the real-world is always fascinating. It involves an ever-changing context which challenges ideas and solutions that seem near perfect on the drawing board.\r\n\r\nMy engagement with Government of Rajasthan�s <a href=\"http://emitra.rajasthan.gov.in/content/emitra/en/home.html\">e-Mitra</a> network, which literally translates as digital friend, has been an exercise in tracing this journey backward through intuitive moments and encounters with people, and their day-to-day reality. My visit to the market in that sense has an entirely different purpose and meaning.[/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\"]In this blog from the field, I share an operational view of our ongoing work with e-Mitra merchants and customers as part of Catalyst�s initiatives at its Jaipur Digital Payments Lab. The blog celebrates the opportunities that we see in creating a symbiotic relationship between merchants and customers � a relationship which is based on the value and convenience of adopting digital payments.[/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=\"A NETWORK OF OPPORTUNITIES\" 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\"]When I hear the term e-Mitra, my imagination brings forth the image of a mammoth network which connects merchants and customers through a state-run interface, and provides over 350 offerings such as birth or death certificates, pension services, identity cards, passports etc. and the highly popular bill payment services. I see hundreds of small/medium shops and single desk windows run by eager individuals who have become the last-mile enablers for access to digital services and, in our case, change agents for nudging customers to take up digital payments.\r\n\r\n&nbsp;\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]At the centre of the e-Mitra network are entrepreneurs such as small shop merchants who are enrolled with the government for providing these services from their shops or outlets, acting as the closest point of contact with communities. These e-Mitra entrepreneurs harness this economic opportunity through the commissions that they receive for citizen services and convenience charges that utility departments provide for receiving payments.[/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=\"A DIGITAL NETWORK ENTRENCHED IN CASH\" 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_single_image image=\"12674\" img_size=\"full\" css=\".vc_custom_1521220379090{padding-top: 20px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]An e-Mitra merchant operates through a digital wallet or e-wallet in which he or she places money before undertaking any transactions. When the customer hands over cash for a transaction, an equivalent amount is deducted from the e-Mitra�s wallet account.[/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\"]While it seems perfectly in sync so far, here comes the challenge. The payments made by e-Mitra customers in Rajasthan are overwhelmingly in cash, 98% to be precise. The customer is entrenched in cash which means that the amount in the e-Mitra�s wallet account in turn determines the number of transactions he can undertake. Especially on busy days, this could mean having to replenish the wallet multiple times to serve customers. Thus, in the absence of digital payments this burden of digitizing cash is passed on to the e-Mitra entrepreneurs, who sometimes have to visit the banks multiple times a day to deposit cash to replenish their wallet.\r\n\r\nFor e-Mitras, receiving payments in cash is a pain point and a drain on their time and earnings; they need to sustain high volumes of transactions to generate revenue, as the commissions earned are small. Many of the entrepreneurs have more than one business and would prefer to avoid the additional work that comes with accepting cash payments. Here is what one of the e-Mitra entrepreneurs has to say about this�[/vc_column_text][kleo_button title=\"Click to view a short video clip\" href=\"https://cashlesscatalyst.org/digital-good-business-adds-value-consumers/\" style=\"custom\" size=\"sm\" special=\"no\" icon=\"play\" font_size=\"16px\" letter_spacing=\"\" box_shadow_color=\"#d11e3c\" el_class=\"pkirbtn\" custom_background=\"#d11e3c\" custom_bg_hover=\"#ffffff\" custom_text_hover=\"#d11e3c\" custom_text=\"#ffffff\"][/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=\"CREATING AN ENABLING INTERFACE \" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23d11e3c|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\"][kleo_gap][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]The entrepreneurs see potential in digital payments as these will reach the Government directly, reducing the need for maintaining large amounts in the pre-paid wallet. Their visits to the bank would also come down. For customers, digitisation will do away with the need for withdrawing and carrying cash, and tendering exact change.\r\n\r\nHowever, for an e-Mitra entrepreneur the margins and income are not sufficient to bear the additional costs that come along with the benefits of going digital. The customer too is unwilling to pay any charges over and above the bill amount. Moreover, if the e-Mitras do adopt a digital payment solution, the transaction charges are usually passed on to the customer, which acts as a disincentive for them to pay digitally.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]Thus, despite these obvious benefits that can accrue from a shift to digital payments, there is a need to facilitate these transactions and create an enabling operating environment for e-Mitra entrepreneurs and customers alike.\r\n\r\nBased on our iterative design and implementation approach (from the drawing board to the field and back!) � we are working with a select group of e-Mitra merchants and customers in Jaipur through a combination of incentives and handholding initiatives, apart from ensuring that both segments do not have to incur additional charges for making digital payments.[/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 type=\"image\" padding_top=\"0\" padding_bottom=\"10\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"ON BOARDING MERCHANTS\" 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\"]These e-Mitra merchants were selected based on their transaction history, the locality that they cater to, and their participation in a training held by the Government of Rajasthan. The Catalyst feet-on-street initiative supported these entrepreneurs in conducting digital transactions, and nudging their customers to pay digitally during the initial few days. Collaterals were also placed to inform customers of the availability of digital solutions at zero additional charges.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1521206372918{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=\"ON BOARDING CUSTOMERS\" 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=\"3/4\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]During our discussions with these e-Mitra entrepreneurs they indicated that a significant proportion of customers consist of senior citizens and women, many of which do not have the means to pay digitally. The earning members of the family usually cannot visit the e-Mitra centre, and so instead hand over cash to other members in the family to make the payments at their convenience.\r\n\r\nWhen we spoke to customers visiting e-Mitra merchants, 90% indicated that they had a debit card but only 60% had smartphones. They are accustomed to pay in cash and in some cases through cheques as many e-Mitras have gradually stopped accepting cash above a certain amount. Many customers receive their income in cash, thus their subsequent payments were also done in cash due to a lack of digitized money at their disposal.\r\n\r\nEven though a number of e-Mitra centres are located close to each other, most citizens visit a particular centre regularly for utility bill payments. Thus, entrepreneurs know their customers and have a relationship with them. �We believe that this could provide a starting point to convince these customers to shift to digital payments.[/vc_column_text][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]However, entrepreneurs have also indicated that this behaviour change from cash/cheque to digital would be gradual. Since citizens only visit one or two times in a month, the opportunity to interact with them and nudge them to pay digitally is limited, and needs consistent engagement.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1521214507680{padding-top: 20px !important;}\"][vc_single_image image=\"12683\" img_size=\"large\"][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1521206631302{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=\"A DIGITAL NETWORK ENTRENCHED IN CASH\" 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\"]What does an encounter between the merchants and customer, entrenched in cash, look like you may ask? Well, as the customers at e-Mitra merchants are usually folks from the neighbourhood, there is an element of trust between the two parties. Even so, this does not always lead to a conversion.\r\n\r\nThe merchants need to be proactive and confident about their pitch, as customers often need to be educated and convinced about the broader aspects of digital transactions.[/vc_column_text][vc_single_image image=\"12497\" img_size=\"full\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]The merchants have to chat with customers about the availability of digital payment solutions and in many cases, convince them to make the shift, despite a heavy rush and an entrenched mindset in favour of cash.\r\n\r\nComing back to the initiative that the Catalyst team is currently implementing, we started with a pilot in July 2017, with 10 e-Mitra merchants initially active on Point of Sale (PoS) machines, scaling up to 25 merchants. In this six-month period, digital transactions have gone up to 9 % of the total utility bill payments at these e-Mitra outlets. In terms of value, around 15% of the total value of these transactions has been digitized through January 2018.\r\n\r\nCustomer surveys were also conducted at select e-Mitra merchants during this period with around 250 customers. Many customers said that they did not pay digitally as they had already carried cash for the transaction or were not carrying their card. Around one-fourth said that they preferred cash and one in 10 indicated trust issues as the reason.\r\n\r\nDigital transaction rates also varied across e-Mitra outlets as this is dependent upon the entrepreneur�s interest as well as ability to convince his customers. Another factor is the value of the bill, as data suggests that both citizens and entrepreneurs are more likely to pay digitally for a higher value bill. While the average ticket size for a water bill is around Rs. 500, electricity bills are of higher ticket sizes, around Rs. 5,000. Therefore, it should be no surprise that digital transactions are skewed towards electricity bills. In terms of digitization, while around 14 % of electricity bills are paid digitally, the same is just over 5 % for water bills. Payments made digitally also involve more steps to complete the transaction as compared to cash which could also be a reason for lower uptake for smaller value transactions.[/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\"]While the shift towards digital payments among e-Mitra merchants and customers has been gradual, it rests on solid foundations. The ripple effect of convenience, trust and eventually value will be visible in an even more apparent way with sustained engagement by the merchants. �For this to happen, there is a need to address the challenges that they face in terms of technical knowhow, timely information and quick resolution of glitches.\r\n\r\nWhile significant changes such as decrease in wallet balance as well as bank trips may not be apparent yet due to the current transaction rate, the potential benefits are apparent to most entrepreneurs. However, the burden of additional charges associated with digital payments cannot be borne by both the entrepreneurs as well customers. The latest central government announcement of waiving of these transaction fees for up to Rs. 2000 is a welcome step towards promotion of digital payments. These e-Mitras can become centres of change in the move from cash to a digital economy.\r\n\r\nOne of rewarding aspects of the relationships that the team has built with merchants and service providers has been the constant feedback from them, with the single objective of enabling customers to take confident steps, and become a co-traveller in this journey.\r\n\r\nOne critical hurdle faced in digital payment uptake is transaction failures related to the bank network or the e-Mitra portal. The payment process first requires the money to be debited from the customer�s account through the PoS machine. The slip generated has a particular transaction number that needs to be entered on the e-Mitra portal to link this specific payment to a particular bill. Many times, while the amount is debited, the transaction fails to validate on the portal which leaves the entrepreneur with limited choices, the most appropriate being cancelling the transaction which would refund the amount back to the customer. While this process ideally should take up to a day or two, for some customers it has taken as long as a month to get their refund. Such failures, though very few, do have an impact on customers who lose trust in this method of payment. �In some cases, it also affects the entrepreneur�s motivation to convince customers to pay digitally, as he or she needs to face their questions in case of any failures.[/vc_column_text][vc_single_image image=\"12498\" img_size=\"full\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]If you would like to get a peek into how merchants and customers connect through the network,[/vc_column_text][kleo_button title=\"here are few stories from the field�.\" href=\"https://cashlesscatalyst.org/age-just-number-comes-digital-payments/\" style=\"custom\" size=\"sm\" special=\"no\" icon=\"play\" font_size=\"16px\" letter_spacing=\"\" custom_background=\"#d11e3c\" custom_text_hover=\"#d11e3c\" custom_bg_hover=\"#ffffff\" custom_text=\"#ffffff\"][/vc_column_inner][/vc_row_inner][vc_column_text font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\" css=\".vc_custom_1520877795371{padding-top: 40px !important;padding-bottom: 40px !important;}\"]The e-Mitra network is a state-level variant of the Common Service Centers that the Government of India created in 2009 as a special purpose vehicle for providing last mile digital access for G2C service with the motto of governance at the doorstep.[/vc_column_text][/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/2018/02/Chinese-digital-finance-ecosystem-doc.pdf\" target=\"_blank\" style=\"custom\" position=\"left\" size=\"lg\" special=\"no\" border=\"no\" icon=\"print\" font_size=\"16px\" letter_spacing=\"\" el_class=\"grey-icon\" custom_text=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row content_placement=\"middle\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"5\" padding_bottom=\"5\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"][starbox id=14][/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]', 'From the drawing board to the field… and back', '', 'publish', 'open', 'open', '', 'drawing-board-field-back', '', '', '2018-11-15 10:11:17', '2018-11-15 10:11:17', '', 0, 'http://cashlesscatalyst.org/?p=12482', 23, 'post', '', 0),
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(12522, 13, '2018-03-15 15:37:49', '2018-03-15 15:37:49', '', 'digitai-sub-banner-2', '', 'inherit', 'closed', 'closed', '', 'digitai-sub-banner-2', '', '', '2018-03-15 15:37:49', '2018-03-15 15:37:49', '', 12425, 'http://cashlesscatalyst.org/wp-content/uploads/2018/03/digitai-sub-banner-2.jpg', 0, 'attachment', 'image/jpeg', 0),
(12488, 13, '2018-03-12 17:26:44', '2018-03-12 17:26:44', '', 'digital-network', '', 'inherit', 'closed', 'closed', '', 'digital-network', '', '', '2018-03-12 17:26:44', '2018-03-12 17:26:44', '', 12482, 'http://cashlesscatalyst.org/wp-content/uploads/2018/03/digital-network.jpg', 0, 'attachment', 'image/jpeg', 0),
(10355, 1, '2017-06-01 10:42:16', '2017-06-01 10:42:16', '', 'ln-icon-10', '', 'inherit', 'closed', 'closed', '', 'ln-icon-10', '', '', '2017-06-01 10:42:16', '2017-06-01 10:42:16', '', 0, 'http://cashlesscatalyst.org/wp-content/uploads/2015/11/ln-icon-10.png', 0, 'attachment', 'image/png', 0),
(25078, 12, '2018-08-06 14:06:26', '2018-08-06 14:06:26', '[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 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_1549447411224{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">[footer_copy]</p>\r\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\r\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'CATALYST IS UNIQUELY POSITIONED TO PUSH THE NEEDLE', '', 'publish', 'closed', 'closed', '', 'catalyst-uniquely-positioned-push-needle', '', '', '2019-02-06 10:03:36', '2019-02-06 10:03:36', '', 0, 'http://cashlesscatalyst.org/?page_id=25078', 0, 'page', '', 0),
(40390, 23, '2019-02-06 10:03:36', '2019-02-06 10:03:36', '[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\" 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