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(40094, 12, '2019-01-17 10:57:50', '2019-01-17 10:57:50', '[vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"110\" padding_bottom=\"0\" bg_image=\"40093\"][vc_column][kleo_gap size=\"100px\"][vc_row_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][vc_column_inner width=\"2/3\"][vc_custom_heading text=\"MARKERS OF TRUST: RECREATING DIGITAL ECOSYSTEMS FOR WOMEN IN LOW-INCOME CLUSTERS\" font_container=\"tag:h2|font_size:48px|text_align:center|color:%23ffffff|line_height:54px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"140px\"][kleo_gap size=\"50px\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" padding_bottom=\"0\"][vc_column width=\"1/2\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"5/12\"][/vc_column_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1488531456733{padding-right: 0px !important;}\"][vc_column_text letter_spacing=\"\"][addtoany][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1488531444909{padding-left: 0px !important;}\"][kleo_button title=\"Print this page\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2019/01/Comic-learning-note-1.pdf\" target=\"_blank\" style=\"custom\" position=\"left\" size=\"lg\" special=\"no\" border=\"no\" icon=\"print\" font_size=\"16px\" letter_spacing=\"\" el_class=\"grey-icon\" custom_text=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_custom_heading text=\"INTRODUCTION\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23383b3b|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_row_inner css=\".vc_custom_1537456868816{margin-bottom: 35px !important;}\"][vc_column_inner][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]Ecosystems, by definition, are living systems of relationships. To create enabling digital ecosystems, the nuts and bolts of living relationships must be recreated digitally. While most efforts aimed at promotion of digital payments focus on the more tangible aspects such as digital infrastructure, payment solutions, gadget ownership, and internet penetration, among others, there is a soft aspect that more often than not goes unexplored. Efforts at financial inclusion in the past decade focused on getting these soft aspects right, and similar concerns remain relevant in the context of digital financial inclusion today.\r\n\r\nCATALYST, a user-centric digital finance innovation platform for the underserved last mile, carried out a program of research projects and operational initiatives centered on a low-income cluster, Bhatta Basti (Shastri Nagar) in Jaipur where infrastructure and financial capabilities were low and the role of informal community institutions strong, compared to other low-income market clusters where CATALYST carried out its operations. A part of immersive qualitative research focusing on women who work across four employment categories – old clothes vendors, bangle makers, tie & dye workers, and domestic workers – helped unpack existing ecosystems that these women operate in. This note focuses on markers of trust that would help in recreating a more inclusive and enabling digital ecosystem.\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#c9213b\" enable_parallax=\"false\" padding_top=\"75\" padding_bottom=\"75\" inline_style=\"font-style: normal;\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"WOMEN IN BHATTA BASTI: THE CONTEXT\r\n\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" el_class=\"normal-style \"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\" inline_style=\"font-style: normal;\"][vc_column][vc_row_inner][vc_column_inner el_class=\"normal-style \"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]Bhatta Basti comprises women (and households) who belong to the lower socioeconomic strata of society – about 70 percent of the 190 surveyed women belonged to the scheduled castes/tribes or other backward castes, while 13 percent were categorized as minorities. At an average age of 35 and most of them married, these women support their household incomes through their employment in the four categories mentioned above. The average Bhatta Basti woman is literate without formal schooling; the education level is fairly comparable to their male counterparts in the locality.\r\n\r\nAadhaar penetration in the surveyed sample was almost universal at 99 percent, followed by 87 percent coverage of voter IDs and 74 percent Bhamashah (the Government of Rajasthan benefits program) card holders. Eighty-nine percent respondents reported having bank accounts with 87 percent of those linked to Aadhaar numbers. While bank account access and linkage was high, consistent usage was low; more than half of the respondents indicated not using their accounts in the past month and very few using banks to deposit their own savings. Very limited information was available on receipt of government benefits due to poor recall and/or privacy concerns of respondents.\r\n\r\nWomen in Bhatta Basti actively engaged in the economic lives of their families. While access to cash for household payments varies by purchase type, most women reported making payments on their own for daily household items, while some women even made payments for big utility items, including refrigerators and electronics. These women also indicated their willingness to use their own mobile phones, and also adopt digital payments. However, all reported payments use cases so far remained cash-based.\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#373b3c\" padding_top=\"75\" padding_bottom=\"75\" inline_style=\"font-style: normal;\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"ECOSYSTEM RELATIONSHIPS AND MARKERS OF TRUST\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" el_class=\"normal-style \"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"normal-style\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]In this context of women in lower-income households who earn a considerable income and make day-to-day financial decisions, gender dynamics also come into play as these groups tend to follow traditionally patriarchal customs. Certain norms and implicit rules preserve the fabric of their socioeconomic lifestyle which has to be taken into account if the prevalent ecosystem has to be recreated digitally. Two important heuristics relevant to the digital payment context, based on qualitative insights, are described below.\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_custom_heading text=\"Heuristic 1: Ownership matters\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23383b3b|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]Since digital payments rely on digital infrastructure – bank accounts, smartphones and internet connection, primarily. Digital financial inclusion at an individual level means individual ownership of these.\r\n\r\nAs one would expect, going higher up on the economic ladder, the ownership of products and services becomes individual centered. Lower income means shared ownership to cut costs. Power comes into play and, typically, even if the household as a group owns two gadgets, it is clear that the member who holds more agency and autonomy will own the smartphone. It was found that this was not about gender alone but also dependent on occupations. Women selling old clothes, for example, held equal (if not more) agency and autonomy than men in the family than their counterparts who make bangles. This was because of the former had more independence in carrying out their businesses while the latter and were completely dependent on their agents.\r\n\r\n[/vc_column_text][vc_custom_heading text=\"Implications\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23383b3b|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]\r\n<ul>\r\n	<li>The gender context: If all digital products and services were, by default, centered on the use of smartphones and smartphone ownership was with men, the first step would be to strongly incentivize co-ownership for transactions alone. The man in the household, who might have ownership of the phone, needs to be convinced that he is a partner in progress of the household when the woman is able to use the phone for making digital payments through her accounts.</li>\r\n	<li>The occupation context: In occupations where women hold equal agency and autonomy, a targeted intensive handholding approach could be devised. Since women showed an overwhelming willingness to learn, identifying women who could be champions of digital payments and handhold others could be the way forward to gain trust and manage cultural sensitivity.</li>\r\n</ul>\r\n[/vc_column_text][vc_custom_heading text=\"Heuristic 2: Employer-employee relationships\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23383b3b|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]There are also subtle but powerful dynamics between these women and their employers, particularly in cases where agency of the employee is important for the employer, for example, domestic workers. In a domestic worker-employer relationship, the pain-points for the employer, in most instances, are inconsistent patterns of leave and delay in work times. The pain-point for domestic workers lies in communicating about work delays and/or leave on time. The domestic workers earn an average of about INR 3,000 from about three to five employers. A digital solution can allow these women to consolidate payments from their employers, keep track of their schedules and leave, at the same time, keeping the employers informed about potential delays or leave.\r\n\r\n[/vc_column_text][vc_custom_heading text=\"Implications\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23383b3b|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]\r\n<ul>\r\n	<li>Rather than a narrow focus on digital payments, think of the employer-employee relationship as an opportunity for a bundle of services. Incentivize the employers, to encourage them to make digital payments to domestic workers. Incentivize workers by giving them talk time reimbursements, or variable pay based on leave taken or any such mutually fair benefit.</li>\r\n	<li>Link all payments and government transfers to the account being used for salary transfers. Many government benefit transfers go unnoticed and unused in the bank accounts because the beneficiaries do not use their accounts and are unaware of their balance.</li>\r\n</ul>\r\n[/vc_column_text][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#c9213b\" padding_top=\"75\" padding_bottom=\"75\" inline_style=\"font-style: normal;\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"MARKERS OF TRUST\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" el_class=\"normal-style \"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"normal-style\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]Looping back to the initial idea of an ecosystem as a system of living relationships, it is observed that even though these relationships are marked with inequality, the norms and variations are consistent and known to all the parties. Trust is therefore vital to the survival and growth of the ecosystem. In attempting to create a digital ecosystem, it is essential to recreate the markers of trust digitally as they are on the ground.\r\n\r\nThe first marker of trust is that all the parties in an existing relationship dynamic are equally invested. Otherwise they would not embrace an unknown system. In the case of working women, the dynamic not only includes men and the household, but also their employers, agents and the other economic actors that they interact with in the value chain. The two tricks of the trade above highlight how this dynamic works.\r\n\r\nThe second marker of trust would be an assurance against fear of the unknown. This could be achieved by intensive handholding and proactive grievance redressal. CATALYST’s efforts in Bhatta Basti with opening bank accounts and ATM pin generation were a good example of how this becomes an effective strategy in including the financially underserved.\r\n\r\nThe third marker of trust comes from incentivizing the early adopters in the community to become champions and role models where they help their peers through the digital journey. Information and communication from known and trusted sources would be a far more easy-sell for digital solutions than from the marketing and promotion activities of the solution itself.\r\n\r\nThe fourth marker of trust would be a process of community legitimization or validation. Since the community itself is a key stakeholder, the community should benefit. Public good or value must be created, in collective public terms, so as to not only endorse the digital ecosystem, but encourage it.\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][kleo_button title=\"Download full report\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2019/01/Comic-learning-note-1.pdf\" target=\"_blank\" position=\"center\" size=\"lg\" type=\"boxed-icon\" special=\"no\" icon=\"download\" font_size=\"14px\" letter_spacing=\"\" el_class=\"pkirbtn\" icon_custom_background=\"#d11e3c\" icon_custom_text=\"#ffffff\"][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"7886\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1484826151396{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">CATALYST is an initiative seeded by an alliance between the Government of India &amp; USAID, to expand digital payments and financial inclusion in India, especially for small merchants and low-income consumers.</p>\r\n\r\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\r\n\r\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'MARKERS OF TRUST: RECREATING DIGITAL ECOSYSTEMS FOR WOMEN IN LOW-INCOME CLUSTERS', '', 'inherit', 'closed', 'closed', '', '40084-revision-v1', '', '', '2019-01-17 10:57:50', '2019-01-17 10:57:50', '', 40084, 'https://cashlesscatalyst.org/media/40084-revision-v1/', 0, 'revision', '', 0),
(40322, 12, '2019-01-28 06:25:28', '2019-01-28 06:25:28', '', 'Regulation Policy Report V4_Proofed V2', '', 'inherit', 'closed', 'closed', '', 'regulation-policy-report-v4_proofed-v2', '', '', '2019-01-28 06:25:28', '2019-01-28 06:25:28', '', 0, 'https://cashlesscatalyst.org/wp-content/uploads/2019/01/Regulation-Policy-Report-V4_Proofed-V2.pdf', 0, 'attachment', 'application/pdf', 0),
(41127, 0, '2019-04-07 11:38:01', '2019-04-07 11:38:01', 'A new comment on the post \"Bob Dylan, Moneyball and Sandboxes- What’s brewing at the Policy team at Catalyst\" is waiting for your approval\r\nhttps://cashlesscatalyst.org/bob-dylan-moneyball-sandboxes-whats-brewing-policy-team-catalyst/\r\n\r\nAuthor: Www.Fixingwindows8.Com (IP: 209.99.174.36, 209.99.174.36)\r\nEmail: geraldinegoethe@gmail.com\r\nURL: http://www.fixingwindows8.com/screen-recorder-software-review/\r\nComment: \r\nI like the article\r\n\r\nApprove it: https://cashlesscatalyst.org/wp-admin/comment.php?action=approve&amp;c=12102#wpbody-content\r\nTrash it: https://cashlesscatalyst.org/wp-admin/comment.php?action=trash&amp;c=12102#wpbody-content\r\nSpam it: https://cashlesscatalyst.org/wp-admin/comment.php?action=spam&amp;c=12102#wpbody-content\r\nCurrently 163 comments are waiting for approval. Please visit the moderation panel:\r\nhttps://cashlesscatalyst.org/wp-admin/edit-comments.php?comment_status=moderated#wpbody-content\r\n', '[Catalyst] Please moderate: \"Bob Dylan, Moneyball and Sandboxes- What’s brewing at the Policy team at Catalyst\"', 'Bad Request(invalid_grant)', 'private', 'closed', 'closed', '', 'catalyst-please-moderate-bob-dylan-moneyball-and-sandboxes-whats-brewing-at-the-policy-team-at-catalyst-4', '', '', '2019-04-07 11:38:01', '2019-04-07 11:38:01', '', 0, 'https://cashlesscatalyst.org/postman_sent_mail/catalyst-please-moderate-bob-dylan-moneyball-and-sandboxes-whats-brewing-at-the-policy-team-at-catalyst-4/', 0, 'postman_sent_mail', '', 0),
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(38222, 20, '2018-11-02 18:11:29', '2018-11-02 18:11:29', '[vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"110\" padding_bottom=\"0\" bg_image=\"38297\"][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=\"SEGMENTING LOW-INCOME CLUSTER FOR DIGITAL PAYMENT SOLUTIONS\" font_container=\"tag:h2|font_size:48px|text_align:center|color:%23ffffff|line_height:54px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"140px\"][kleo_gap size=\"50px\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" padding_bottom=\"0\"][vc_column width=\"1/2\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"5/12\"][/vc_column_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1488531456733{padding-right: 0px !important;}\"][vc_column_text letter_spacing=\"\"][addtoany][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1488531444909{padding-left: 0px !important;}\"][kleo_button title=\"Print this page\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/11/BB-Learning-Note.pdf\" target=\"_blank\" style=\"custom\" position=\"left\" size=\"lg\" special=\"no\" border=\"no\" icon=\"print\" font_size=\"16px\" letter_spacing=\"\" el_class=\"grey-icon\" custom_text=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_custom_heading text=\"BACKGROUND\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23383b3b|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_row_inner css=\".vc_custom_1537456868816{margin-bottom: 35px !important;}\"][vc_column_inner][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]Recognizing the critical role digital payments can play in deepening financial inclusion, Catalyst, a user-centric ‘digital finance innovation platform’ for the underserved last mile has rolled out multiple initiatives to help small business ecosystems (i.e. merchants, consumers, suppliers) to responsibly transition from an inefficient cash economy to digital payment platforms, using a targeted ecosystem approach. In collaboration with a mix of public and private partners, this multi-stage initiative includes, among other things, a set of research projects and operational initiatives centred on a low-income cluster, Bhatta Basti, in Jaipur City, where infrastructure and financial capabilities are lower while the role of informal community institutions is stronger. Our holistic approach towards going digital focuses on bringing low-income individuals from poor households onto the formal banking system, promoting active bank usage and providing handholding support to early adopters of digital payment solutions.[/vc_column_text][vc_single_image image=\"38267\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]Our initial months were geared towards bringing low-income individuals from ultra-poor households onto the formal banking system and promoting active banking among them. By June 2018, along with our account opening implementing partner FIA Technology Partners, we had facilitated several account opening camps and opened accounts of 619 individuals. Since August 2018, we began the process of converting these account holders to users of digital payments and solutions.[/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=\"150\" padding_bottom=\"150\" bg_image=\"38300\"][vc_column][vc_custom_heading text=\"THE PROCESS OF SEGMENTING ACCOUNT HOLDERS\" 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 type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]We called 619 account holders whose bank accounts were opened prior to June 2018 with objectives to understand account holders’ access to debit cards and smartphones. Our hypotheses as of August 2018 were that all 619 account holders should have received their debit cards; they should have generated the ATM PIN; and their bank-registered mobile number should have been active.\r\n\r\nThe study indicated only 22% of account holders had a PIN generated ATM card; 27% had received the ATM card but not generated a PIN; 25% had not received their ATM card; and 27% had already changed their mobile number and we were not able to reach them despite multiple attempts.\r\n\r\nThe above-mentioned results helped us divide our base into four tiers – each tier had account holders that were similar in specific ways as explained below.[/vc_column_text][vc_single_image image=\"38269\" img_size=\"full\" alignment=\"center\"][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1537937440359{padding-top: 30px !important;}\"][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]<strong>Learning 1:</strong> Frequently changing mobile numbers have a significant impact on financial inclusion\r\n\r\nWe observed few trends in Bhatta Basti regarding usage of mobile numbers; mobile phone numbers are frequently changed due to network problems, insufficient funds in their mobile account and new plans offered by different service providers. For example, residents suggested some SIM cards did not have the ability to pick up mobile data signals in Bhatta Basti, hence, they upgraded to a better SIM card, which resulted in their receiving a new phone number\r\n\r\n<strong>Implications:</strong> If a mobile number registered with the bank account is already changed prior to the arrival of the debit card, the account holder cannot generate a PIN unless he/she visits the bank branch to change/update his/her mobile number. Likewise, Unified Payment Interface (UPI) on-boarding is not possible for smartphone owners if his/her SIM card is not registered with the bank account as he/she cannot receive interoperable OTP (Onetime Password) to activate the UPI account.\r\n\r\n<strong>Learning 2:</strong> Many zero balance account holders do not receive their debit card\r\n\r\nAt the time of the interview, 155 account holders (25%) reported not receiving their debit card.\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=\"lh22 ptext-justify \"]They were either waiting for the card or they had not collected it from the Customer Service Point (CSP). Only 58 of them (37% of 155 account holders) reported enquiring with the CSP or nearby bank branch.\r\n\r\n<strong>Implications:</strong> POS, online banking or UPI on-boarding is not possible without a debit card\r\n\r\n<strong>Learning 3:</strong> Many are not aware of how to generate an atm pin despite having a debit card\r\n\r\nAmongst these 619 account holders, 167 account holders (27%) reported not generating an ATM PIN despite collecting the card. When probed, 34% of these 167 account holders reported failure of the ATM machine when they tried to generate a PIN; 31% did not see value in generating a PIN due to lack of savings and fear of safety; and 29% were not aware of the procedure.\r\n\r\nThis result indicates that perceived risk, complexity, lack of knowledge and fear of safety and confidentiality are the major factors that discourage the use of ATMs.\r\n\r\n<strong>Implications:</strong> Internet banking, ATM withdrawals, or any other digital transactions using a debit card are not possible without an ATM PIN.\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#c9213b\" padding_top=\"75\" padding_bottom=\"75\" inline_style=\"font-style: normal;\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"ACCOUNT HOLDERS’ ATTITUDES TOWARDS DEBIT CARDS\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" el_class=\"normal-style \"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\" inline_style=\"font-style: normal;\"][vc_column][vc_row_inner][vc_column_inner el_class=\"normal-style \"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]We conducted qualitative interviews with eight to ten account holders from each tier. The interaction focused on their attitudes towards banking services, in particular, debit cards. Below are the highlights of the interviews, which helped us identify their outlook and plan distinct interventions for each tier.[/vc_column_text][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]\r\n<p style=\"text-align: center;\">Attitudes towards ATMs</p>\r\n[/vc_column_text][vc_single_image image=\"38274\" img_size=\"full\" alignment=\"center\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#373b3c\" padding_top=\"75\" padding_bottom=\"75\" inline_style=\"font-style: normal;\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"DISCOVERING EARLY ADOPTERS\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" el_class=\"normal-style \"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"normal-style\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]After differentiating account holders by their behaviours and the drivers behind them, we took the action needed in response to a tier-based intervention instead of ‘one-size-fits-all’ approach.\r\n\r\nWe designed the following intervention model ensuring each tier was covered, nonetheless, our focus was to provide handholding support to Tier 1 account holders as they were proactive about adopting debit cards without any external support and had positive attitudes towards technology used in banking. Our goal was to discover ‘early adopters’ amongst them, who are excited by the possibilities of new ideas and new ways of doing digital transactions.[/vc_column_text][vc_single_image image=\"38275\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]We adopted a one-to-one permission marketing strategy emphasizing on personalized interactions with 135 account holders. The prospect explicitly agreed in advance for the visit (they were provided with an option to opt-out at any point). Initial reaction was inspiring as three out of four account holders agreed to learn about UPI digital payment solutions from us.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#c9213b\" padding_top=\"75\" padding_bottom=\"75\" inline_style=\"font-style: normal;\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"ADVANTAGES OF IN PERSON HANDHOLDING SUPPORT\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" el_class=\"normal-style \"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"normal-style\" width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]\r\n<ul>\r\n 	<li>High conversion rate because of high customer attention as message was customized and persuasive.</li>\r\n 	<li>Helpful in identifying different use cases. For example, we learned that ability to instantly recharge mobile phone was the most attractive feature of UPI applications for many account holders.</li>\r\n 	<li>Since we were interacting directly with account holders, apart from receiving a direct line of feedback from the account holders, we were able to track issues straightaway, which helped us address issues quickly. For example, other members of the household using the mobile number of the head of the household at the time of the account opening was found in many cases.</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]In such a case, if the head of the household wants to register for UPI linked with a particular bank, he is not allowed given that the bank record shows the same mobile number registered for multiple account holders. We recommended account holders visit the nearby bank branch and update their account with their new mobile number; and informed the banking agent to encourage residents of Bhatta Basti to provide unique mobile number for new bank accounts, if possible.\r\n<ul>\r\n 	<li>The approach was also effective in developing the relationship with identified innovators.</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#373b3c\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"75\" padding_bottom=\"75\" inline_style=\"font-style: normal;\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"CHALLENGES FACED DURING HANDHOLDING PROCESS\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" el_class=\"normal-style \"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"normal-style\" width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]\r\n<ul>\r\n 	<li>The process was labour intensive and had a high cost (five field staff for approximately 30 business days to visit 101 account holders).</li>\r\n 	<li>The process was time consuming. On average, a field staff spent two hours introducing the features, convincing the account holders to use the applications, downloading and registering the UPI app. Since we focused on our list of 135 account holders only (and did not go off of the list), field staff had to take several visits to complete one on-boarding.</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner el_class=\"normal-style\" width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]\r\n<ul>\r\n 	<li>Direct approach was also perceived as inconvenient or obtrusive for some account holders due to cultural sensitivity. Our field team appeared at times that were inconvenient for female account holders. For example, when any account belonged to a woman or a young child, we had to wait for the head of the household to return home as their presence was mandatory because of the nature of the transaction-related conversation.</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#cf1e3b\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"75\" padding_bottom=\"75\" inline_style=\"font-style: normal;\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"CONCLUDING REMARKS\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" el_class=\"normal-style \"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"normal-style\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]The task of getting new account holders on board for digital payment requires the highest degree of handholding support through the onboarding process. For example, less tech-savvy users struggle at different stages with the onboarding process of any UPI application and are tripped up by the jargon such as “UPI PIN”, “VPA”. Hence, there is a clear need for greater guidance and handholding through the on-boarding process and in helping an account holder make the first transaction. Nevertheless, providing handholding support to everyone is not possible.\r\n\r\nTherefore, it is important to break down the market into specific, targetable segments. In our case, we used the account holders’ access to debit card and attitude towards banking technology as a basis for segmentation. The majority of (more than 75%) account holders did not have a PIN generated debit card; there were only 135 individuals who had collected their debit card and visited the nearby bank branch that is approximately 2 KM away to generate PIN on their own. Instead of targeting all 619 individuals, which would have been an expensive and ineffective exercise, we created a list of 135 tier 1 individuals and reached out to them, who reciprocated positively.\r\n\r\nOur biggest learning from this exercise was such a mechanism allowed us to precisely identify early adopters of UPI applications and, we were able to contact them with specific needs. This was also the best way for us to use our resources more effectively and make better strategic marketing decisions to convert early adopters to influencers in the community. For example, our experience on UPI on-boarding (detailed information will be covered in subsequent learning notes) indicated that the early adopters have huge potential to act as ambassadors for other segments to drive adoption of digital payment solutions if provided with enough support and followed up regularly. With the early adopters, this segment has potential to act as ambassadors for other segments and this should be therefore considered as one of the most important factors to determine the usability and sustainability of making transactions digitally in a low-income community. We observed some early adopters were proactive about informing their friends about UPI applications in order to onboard them so that early adopters could take advantage of cashback offers offered by some of the financial service providers for referrals.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_column_text letter_spacing=\"\"]\r\n<p style=\"text-align: left;\"><span style=\"color: #da092b;\">TECHNICAL WRITERS:</span> Deepti Kc</p>\r\n<p style=\"text-align: left;\"><span style=\"color: #da092b;\">ACKNOWLEDGEMENTS:</span> The author would like to thank Arbind Vishwakarma for his insights and operational support.</p>\r\n[/vc_column_text][kleo_button title=\"Download full report\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/11/BB-Learning-Note.pdf\" target=\"_blank\" position=\"center\" size=\"lg\" type=\"boxed-icon\" special=\"no\" icon=\"download\" font_size=\"14px\" letter_spacing=\"\" el_class=\"pkirbtn\" icon_custom_background=\"#d11e3c\" icon_custom_text=\"#ffffff\"][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"7886\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549446554828{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]', 'SEGMENTING LOW-INCOME CLUSTER FOR DIGITAL PAYMENT SOLUTIONS', '', 'publish', 'closed', 'closed', '', 'segmenting-low-income-cluster-digital-payment-solutions', '', '', '2019-02-06 09:49:25', '2019-02-06 09:49:25', '', 0, 'https://cashlesscatalyst.org/?page_id=38222', 0, 'page', '', 0);
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(40373, 23, '2019-02-06 09:49:25', '2019-02-06 09:49:25', '[vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"110\" padding_bottom=\"0\" bg_image=\"38297\"][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=\"SEGMENTING LOW-INCOME CLUSTER FOR DIGITAL PAYMENT SOLUTIONS\" font_container=\"tag:h2|font_size:48px|text_align:center|color:%23ffffff|line_height:54px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"140px\"][kleo_gap size=\"50px\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" padding_bottom=\"0\"][vc_column width=\"1/2\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"5/12\"][/vc_column_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1488531456733{padding-right: 0px !important;}\"][vc_column_text letter_spacing=\"\"][addtoany][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1488531444909{padding-left: 0px !important;}\"][kleo_button title=\"Print this page\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/11/BB-Learning-Note.pdf\" target=\"_blank\" style=\"custom\" position=\"left\" size=\"lg\" special=\"no\" border=\"no\" icon=\"print\" font_size=\"16px\" letter_spacing=\"\" el_class=\"grey-icon\" custom_text=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_custom_heading text=\"BACKGROUND\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23383b3b|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_row_inner css=\".vc_custom_1537456868816{margin-bottom: 35px !important;}\"][vc_column_inner][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]Recognizing the critical role digital payments can play in deepening financial inclusion, Catalyst, a user-centric ‘digital finance innovation platform’ for the underserved last mile has rolled out multiple initiatives to help small business ecosystems (i.e. merchants, consumers, suppliers) to responsibly transition from an inefficient cash economy to digital payment platforms, using a targeted ecosystem approach. In collaboration with a mix of public and private partners, this multi-stage initiative includes, among other things, a set of research projects and operational initiatives centred on a low-income cluster, Bhatta Basti, in Jaipur City, where infrastructure and financial capabilities are lower while the role of informal community institutions is stronger. Our holistic approach towards going digital focuses on bringing low-income individuals from poor households onto the formal banking system, promoting active bank usage and providing handholding support to early adopters of digital payment solutions.[/vc_column_text][vc_single_image image=\"38267\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]Our initial months were geared towards bringing low-income individuals from ultra-poor households onto the formal banking system and promoting active banking among them. By June 2018, along with our account opening implementing partner FIA Technology Partners, we had facilitated several account opening camps and opened accounts of 619 individuals. Since August 2018, we began the process of converting these account holders to users of digital payments and solutions.[/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=\"150\" padding_bottom=\"150\" bg_image=\"38300\"][vc_column][vc_custom_heading text=\"THE PROCESS OF SEGMENTING ACCOUNT HOLDERS\" 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 type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]We called 619 account holders whose bank accounts were opened prior to June 2018 with objectives to understand account holders’ access to debit cards and smartphones. Our hypotheses as of August 2018 were that all 619 account holders should have received their debit cards; they should have generated the ATM PIN; and their bank-registered mobile number should have been active.\r\n\r\nThe study indicated only 22% of account holders had a PIN generated ATM card; 27% had received the ATM card but not generated a PIN; 25% had not received their ATM card; and 27% had already changed their mobile number and we were not able to reach them despite multiple attempts.\r\n\r\nThe above-mentioned results helped us divide our base into four tiers – each tier had account holders that were similar in specific ways as explained below.[/vc_column_text][vc_single_image image=\"38269\" img_size=\"full\" alignment=\"center\"][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1537937440359{padding-top: 30px !important;}\"][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]<strong>Learning 1:</strong> Frequently changing mobile numbers have a significant impact on financial inclusion\r\n\r\nWe observed few trends in Bhatta Basti regarding usage of mobile numbers; mobile phone numbers are frequently changed due to network problems, insufficient funds in their mobile account and new plans offered by different service providers. For example, residents suggested some SIM cards did not have the ability to pick up mobile data signals in Bhatta Basti, hence, they upgraded to a better SIM card, which resulted in their receiving a new phone number\r\n\r\n<strong>Implications:</strong> If a mobile number registered with the bank account is already changed prior to the arrival of the debit card, the account holder cannot generate a PIN unless he/she visits the bank branch to change/update his/her mobile number. Likewise, Unified Payment Interface (UPI) on-boarding is not possible for smartphone owners if his/her SIM card is not registered with the bank account as he/she cannot receive interoperable OTP (Onetime Password) to activate the UPI account.\r\n\r\n<strong>Learning 2:</strong> Many zero balance account holders do not receive their debit card\r\n\r\nAt the time of the interview, 155 account holders (25%) reported not receiving their debit card.\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=\"lh22 ptext-justify \"]They were either waiting for the card or they had not collected it from the Customer Service Point (CSP). Only 58 of them (37% of 155 account holders) reported enquiring with the CSP or nearby bank branch.\r\n\r\n<strong>Implications:</strong> POS, online banking or UPI on-boarding is not possible without a debit card\r\n\r\n<strong>Learning 3:</strong> Many are not aware of how to generate an atm pin despite having a debit card\r\n\r\nAmongst these 619 account holders, 167 account holders (27%) reported not generating an ATM PIN despite collecting the card. When probed, 34% of these 167 account holders reported failure of the ATM machine when they tried to generate a PIN; 31% did not see value in generating a PIN due to lack of savings and fear of safety; and 29% were not aware of the procedure.\r\n\r\nThis result indicates that perceived risk, complexity, lack of knowledge and fear of safety and confidentiality are the major factors that discourage the use of ATMs.\r\n\r\n<strong>Implications:</strong> Internet banking, ATM withdrawals, or any other digital transactions using a debit card are not possible without an ATM PIN.\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#c9213b\" padding_top=\"75\" padding_bottom=\"75\" inline_style=\"font-style: normal;\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"ACCOUNT HOLDERS’ ATTITUDES TOWARDS DEBIT CARDS\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" el_class=\"normal-style \"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\" inline_style=\"font-style: normal;\"][vc_column][vc_row_inner][vc_column_inner el_class=\"normal-style \"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]We conducted qualitative interviews with eight to ten account holders from each tier. The interaction focused on their attitudes towards banking services, in particular, debit cards. Below are the highlights of the interviews, which helped us identify their outlook and plan distinct interventions for each tier.[/vc_column_text][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]\r\n<p style=\"text-align: center;\">Attitudes towards ATMs</p>\r\n[/vc_column_text][vc_single_image image=\"38274\" img_size=\"full\" alignment=\"center\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#373b3c\" padding_top=\"75\" padding_bottom=\"75\" inline_style=\"font-style: normal;\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"DISCOVERING EARLY ADOPTERS\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" el_class=\"normal-style \"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"normal-style\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]After differentiating account holders by their behaviours and the drivers behind them, we took the action needed in response to a tier-based intervention instead of ‘one-size-fits-all’ approach.\r\n\r\nWe designed the following intervention model ensuring each tier was covered, nonetheless, our focus was to provide handholding support to Tier 1 account holders as they were proactive about adopting debit cards without any external support and had positive attitudes towards technology used in banking. Our goal was to discover ‘early adopters’ amongst them, who are excited by the possibilities of new ideas and new ways of doing digital transactions.[/vc_column_text][vc_single_image image=\"38275\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]We adopted a one-to-one permission marketing strategy emphasizing on personalized interactions with 135 account holders. The prospect explicitly agreed in advance for the visit (they were provided with an option to opt-out at any point). Initial reaction was inspiring as three out of four account holders agreed to learn about UPI digital payment solutions from us.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#c9213b\" padding_top=\"75\" padding_bottom=\"75\" inline_style=\"font-style: normal;\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"ADVANTAGES OF IN PERSON HANDHOLDING SUPPORT\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" el_class=\"normal-style \"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"normal-style\" width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]\r\n<ul>\r\n 	<li>High conversion rate because of high customer attention as message was customized and persuasive.</li>\r\n 	<li>Helpful in identifying different use cases. For example, we learned that ability to instantly recharge mobile phone was the most attractive feature of UPI applications for many account holders.</li>\r\n 	<li>Since we were interacting directly with account holders, apart from receiving a direct line of feedback from the account holders, we were able to track issues straightaway, which helped us address issues quickly. For example, other members of the household using the mobile number of the head of the household at the time of the account opening was found in many cases.</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]In such a case, if the head of the household wants to register for UPI linked with a particular bank, he is not allowed given that the bank record shows the same mobile number registered for multiple account holders. We recommended account holders visit the nearby bank branch and update their account with their new mobile number; and informed the banking agent to encourage residents of Bhatta Basti to provide unique mobile number for new bank accounts, if possible.\r\n<ul>\r\n 	<li>The approach was also effective in developing the relationship with identified innovators.</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#373b3c\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"75\" padding_bottom=\"75\" inline_style=\"font-style: normal;\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"CHALLENGES FACED DURING HANDHOLDING PROCESS\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" el_class=\"normal-style \"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"normal-style\" width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]\r\n<ul>\r\n 	<li>The process was labour intensive and had a high cost (five field staff for approximately 30 business days to visit 101 account holders).</li>\r\n 	<li>The process was time consuming. On average, a field staff spent two hours introducing the features, convincing the account holders to use the applications, downloading and registering the UPI app. Since we focused on our list of 135 account holders only (and did not go off of the list), field staff had to take several visits to complete one on-boarding.</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner el_class=\"normal-style\" width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]\r\n<ul>\r\n 	<li>Direct approach was also perceived as inconvenient or obtrusive for some account holders due to cultural sensitivity. Our field team appeared at times that were inconvenient for female account holders. For example, when any account belonged to a woman or a young child, we had to wait for the head of the household to return home as their presence was mandatory because of the nature of the transaction-related conversation.</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#cf1e3b\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"75\" padding_bottom=\"75\" inline_style=\"font-style: normal;\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"CONCLUDING REMARKS\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" el_class=\"normal-style \"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"normal-style\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]The task of getting new account holders on board for digital payment requires the highest degree of handholding support through the onboarding process. For example, less tech-savvy users struggle at different stages with the onboarding process of any UPI application and are tripped up by the jargon such as “UPI PIN”, “VPA”. Hence, there is a clear need for greater guidance and handholding through the on-boarding process and in helping an account holder make the first transaction. Nevertheless, providing handholding support to everyone is not possible.\r\n\r\nTherefore, it is important to break down the market into specific, targetable segments. In our case, we used the account holders’ access to debit card and attitude towards banking technology as a basis for segmentation. The majority of (more than 75%) account holders did not have a PIN generated debit card; there were only 135 individuals who had collected their debit card and visited the nearby bank branch that is approximately 2 KM away to generate PIN on their own. Instead of targeting all 619 individuals, which would have been an expensive and ineffective exercise, we created a list of 135 tier 1 individuals and reached out to them, who reciprocated positively.\r\n\r\nOur biggest learning from this exercise was such a mechanism allowed us to precisely identify early adopters of UPI applications and, we were able to contact them with specific needs. This was also the best way for us to use our resources more effectively and make better strategic marketing decisions to convert early adopters to influencers in the community. For example, our experience on UPI on-boarding (detailed information will be covered in subsequent learning notes) indicated that the early adopters have huge potential to act as ambassadors for other segments to drive adoption of digital payment solutions if provided with enough support and followed up regularly. With the early adopters, this segment has potential to act as ambassadors for other segments and this should be therefore considered as one of the most important factors to determine the usability and sustainability of making transactions digitally in a low-income community. We observed some early adopters were proactive about informing their friends about UPI applications in order to onboard them so that early adopters could take advantage of cashback offers offered by some of the financial service providers for referrals.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_column_text letter_spacing=\"\"]\r\n<p style=\"text-align: left;\"><span style=\"color: #da092b;\">TECHNICAL WRITERS:</span> Deepti Kc</p>\r\n<p style=\"text-align: left;\"><span style=\"color: #da092b;\">ACKNOWLEDGEMENTS:</span> The author would like to thank Arbind Vishwakarma for his insights and operational support.</p>\r\n[/vc_column_text][kleo_button title=\"Download full report\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/11/BB-Learning-Note.pdf\" target=\"_blank\" position=\"center\" size=\"lg\" type=\"boxed-icon\" special=\"no\" icon=\"download\" font_size=\"14px\" letter_spacing=\"\" el_class=\"pkirbtn\" icon_custom_background=\"#d11e3c\" icon_custom_text=\"#ffffff\"][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"7886\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549446554828{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]', 'SEGMENTING LOW-INCOME CLUSTER FOR DIGITAL PAYMENT SOLUTIONS', '', 'inherit', 'closed', 'closed', '', '38222-revision-v1', '', '', '2019-02-06 09:49:25', '2019-02-06 09:49:25', '', 38222, 'https://cashlesscatalyst.org/media/38222-revision-v1/', 0, 'revision', '', 0),
(41166, 0, '2019-04-09 12:35:00', '2019-04-09 12:35:00', 'A new comment on the post \"The view from 10 months in..\" is waiting for your approval\r\nhttps://cashlesscatalyst.org/view-10-months-in/\r\n\r\nAuthor: brigitteng18 (IP: 66.222.153.25, d66-222-153-25.abhsia.telus.net)\r\nEmail: britneytw1@sho3010.kaede99.besttorrents.top\r\nURL: http://download.porn.bestsexyblog.com\r\nComment: \r\nCollege Girls Porn Pics\r\nhttp://mature.dating.relayblog.com/?juliana \r\n\r\n father and daughter porn vide porn on fur young blonde college porn romance porn videos mature tatooed porn star\r\n\r\nApprove it: https://cashlesscatalyst.org/wp-admin/comment.php?action=approve&amp;c=12122#wpbody-content\r\nTrash it: https://cashlesscatalyst.org/wp-admin/comment.php?action=trash&amp;c=12122#wpbody-content\r\nSpam it: https://cashlesscatalyst.org/wp-admin/comment.php?action=spam&amp;c=12122#wpbody-content\r\nCurrently 183 comments are waiting for approval. Please visit the moderation panel:\r\nhttps://cashlesscatalyst.org/wp-admin/edit-comments.php?comment_status=moderated#wpbody-content\r\n', '[Catalyst] Please moderate: \"The view from 10 months in..\"', 'Bad Request(invalid_grant)', 'private', 'closed', 'closed', '', 'catalyst-please-moderate-the-view-from-10-months-in-103', '', '', '2019-04-09 12:35:00', '2019-04-09 12:35:00', '', 0, 'https://cashlesscatalyst.org/postman_sent_mail/catalyst-please-moderate-the-view-from-10-months-in-103/', 0, 'postman_sent_mail', '', 0),
(41167, 0, '2019-04-09 15:40:14', '2019-04-09 15:40:14', 'A new comment on the post \"The view from 10 months in..\" is waiting for your approval\r\nhttps://cashlesscatalyst.org/view-10-months-in/\r\n\r\nAuthor: leannafl1 (IP: 95.128.43.164, exit-1.fr.tor.aquaray.com)\r\nEmail: davewe1@kaede63.besttorrents.top\r\nURL: http://lesbian.tubes.instakink.com\r\nComment: \r\nBrowse over 500 000 of the best porn galleries, daily updated collections\r\nhttp://sexyshopitalia.teennegligee.fetlifeblog.com/?montana \r\n\r\n urban porn stars hundu porn porn stars web pages gree porn videos interracial creampie amateur free tube porn\r\n\r\nApprove it: https://cashlesscatalyst.org/wp-admin/comment.php?action=approve&amp;c=12123#wpbody-content\r\nTrash it: https://cashlesscatalyst.org/wp-admin/comment.php?action=trash&amp;c=12123#wpbody-content\r\nSpam it: https://cashlesscatalyst.org/wp-admin/comment.php?action=spam&amp;c=12123#wpbody-content\r\nCurrently 184 comments are waiting for approval. Please visit the moderation panel:\r\nhttps://cashlesscatalyst.org/wp-admin/edit-comments.php?comment_status=moderated#wpbody-content\r\n', '[Catalyst] Please moderate: \"The view from 10 months in..\"', 'Bad Request(invalid_grant)', 'private', 'closed', 'closed', '', 'catalyst-please-moderate-the-view-from-10-months-in-104', '', '', '2019-04-09 15:40:14', '2019-04-09 15:40:14', '', 0, 'https://cashlesscatalyst.org/postman_sent_mail/catalyst-please-moderate-the-view-from-10-months-in-104/', 0, 'postman_sent_mail', '', 0),
(39568, 12, '2018-12-12 12:11:56', '2018-12-12 12:11:56', '[vc_row][vc_column][vc_column_text letter_spacing=\"\"]<p style=\"color: #d06728;\">Fintech for Inclusion of the Last Mile: Experiences from the frontline of innovation</p>\r\n<p style=\"color: #d06728;\"><strong>Date:</strong> December 11, 2018</p>\r\n<p style=\"color: #d06728;\"><strong>Time:</strong> 2 pm to 3:30 pm</p>\r\n<p style=\"color: #d06728;\"><strong>Location:</strong> Hotel Ashok, New delhi</p>\r\n<p>As part of its mission to identify sustainable templates for small business ecosystems to access the benefits of digital finance, CATALYST set up a pioneering incubator program, \'Fintech For the Last Mile\', to promote companies that have reimagined financial solutions for the underserved. The program provided five unique and innovative companies with financial, technical and operational support, and integrated their work into its ‘Digital Payment Lab’ in Jaipur.</p>\r\n<p>The session presented PayNearby, PayBee, Bix42, Fingpay and Kaleidofin; the 5 shortlisted start-ups that participated in the first batch of CATALYST\'s \'Fintech For the Last Mile\' Incubator program. The companies jointly span different segments – including merchants, their suppliers, and their customers – as well as different payment types (e.g., UPI, Aadhaar Pay, Immediate Payment Service (IMPS)) and value-added services.</p>\r\n<p>Focusing on \'fintech for inclusion of the last mile\', the discussions highlighted the opportunities and barriers associated with addressing the needs of the underserved segment. </p>\r\n<p>Stephen Rasmussen, Head-Inclusive Markets, CGAP moderated the livewire session.  The discussions drew attention on the fact that while the infrastructure to build inclusive financial services has recently been upgraded with the roll-out of Unified Payments Interface (UPI), Aadhaar and India Stack, the power of these systems delivered to end users at scale is yet to be seen. Innovations in both digital products and mechanisms to distribute them are needed. There also remains scope to build deeper and more targeted workflows on top of an increasingly commoditized transaction layer. These software, hardware or, in certain cases, operational solutions can generate tangible and immediate value to users – be it through analytics, access to financing, new revenue generating opportunities, or streamlined business processes.</p>\r\n<p>The five shortlisted start-ups passionately shared their inspirations and innovations that made them reimagine financial solutions for mass digital payments, especially for the low-income ecosystems. </p>\r\n<p style=\"color: #d06728;\"><strong>The five shortlist start-ups</strong></p>\r\n<p><strong>PayNearby</strong> enables existing corner shops to become digital financial service hubs, thereby creating the world’s largest hyperlocal fintech network.</p>\r\n<p><strong>Fingpay</strong> is a payment and collection solution that enables merchants to accept digital payments from customers who do not have either a card, wallet, or mobile.</p>\r\n<p><strong>Merapaper</strong> provides a micro-ERP to digitize the customer lifecycle, billing, and payments for small B2C merchants.</p>\r\n[/vc_column_text][/vc_column][/vc_row]', 'Technical Session at Inclusive Finance India Summit 2018', 'Technical Session at Inclusive Finance India Summit 2018</br>\r\nDate: December 11, 2018</br>\r\nTime: 2 pm to 3:30 pm', 'inherit', 'closed', 'closed', '', '39512-revision-v1', '', '', '2018-12-12 12:11:56', '2018-12-12 12:11:56', '', 39512, 'https://cashlesscatalyst.org/media/39512-revision-v1/', 0, 'revision', '', 0),
(33265, 12, '2018-10-15 10:24:43', '2018-10-15 10:24:43', '', 'fintechs', '', 'inherit', 'closed', 'closed', '', 'fintechs', '', '', '2018-10-15 10:24:43', '2018-10-15 10:24:43', '', 26174, 'https://cashlesscatalyst.org/wp-content/uploads/2018/09/fintechs.jpg', 0, 'attachment', 'image/jpeg', 0),
(40609, 0, '2019-03-11 09:31:53', '2019-03-11 09:31:53', 'A new comment on the post \"The view from 10 months in..\" is waiting for your approval\r\nhttps://cashlesscatalyst.org/catalyst-blog/view-10-months-in/\r\n\r\nAuthor: Katiespise (IP: 79.173.83.153, nat-79-173-83-153.gtn.ru)\r\nEmail: edealblog677@tutamail.com\r\nURL: \r\nComment: \r\nThe greatest discounts in history for you and your loved ones now on all the goods ... \r\nhttp://h29h8.tk\r\n\r\nApprove it: https://cashlesscatalyst.org/wp-admin/comment.php?action=approve&amp;c=12065#wpbody-content\r\nTrash it: https://cashlesscatalyst.org/wp-admin/comment.php?action=trash&amp;c=12065#wpbody-content\r\nSpam it: https://cashlesscatalyst.org/wp-admin/comment.php?action=spam&amp;c=12065#wpbody-content\r\nCurrently 126 comments are waiting for approval. Please visit the moderation panel:\r\nhttps://cashlesscatalyst.org/wp-admin/edit-comments.php?comment_status=moderated#wpbody-content\r\n', '[Catalyst] Please moderate: \"The view from 10 months in..\"', 'Bad Request(invalid_grant)', 'private', 'closed', 'closed', '', 'catalyst-please-moderate-the-view-from-10-months-in-60', '', '', '2019-03-11 09:31:53', '2019-03-11 09:31:53', '', 0, 'https://cashlesscatalyst.org/postman_sent_mail/catalyst-please-moderate-the-view-from-10-months-in-60/', 0, 'postman_sent_mail', '', 0),
(40613, 0, '2019-03-12 02:49:33', '2019-03-12 02:49:33', 'A new comment on the post \"Digitizing an urban slum in Jaipur:  Hunting for mobile network to go digital\" is waiting for your approval\r\nhttps://cashlesscatalyst.org/catalyst-blog/hunting-mobile-network-go-digital/\r\n\r\nAuthor: ooboyewupfof (IP: 5.248.226.148, 5-248-226-148.broadband.kyivstar.net)\r\nEmail: izaciire@ijemail.com\r\nURL: http://theprettyguineapig.com/amoxicillin/\r\nComment: \r\n[url=http://theprettyguineapig.com/amoxicillin/]Amoxicillin For Sale[/url] <a href=\"http://theprettyguineapig.com/amoxicillin/\" rel=\"nofollow\">Amoxicillin</a> http://theprettyguineapig.com/amoxicillin/\r\n\r\nApprove it: https://cashlesscatalyst.org/wp-admin/comment.php?action=approve&amp;c=12066#wpbody-content\r\nTrash it: https://cashlesscatalyst.org/wp-admin/comment.php?action=trash&amp;c=12066#wpbody-content\r\nSpam it: https://cashlesscatalyst.org/wp-admin/comment.php?action=spam&amp;c=12066#wpbody-content\r\nCurrently 127 comments are waiting for approval. Please visit the moderation panel:\r\nhttps://cashlesscatalyst.org/wp-admin/edit-comments.php?comment_status=moderated#wpbody-content\r\n', '[Catalyst] Please moderate: \"Digitizing an urban slum in Jaipur:  Hunting for mobile network to go digital\"', 'Bad Request(invalid_grant)', 'private', 'closed', 'closed', '', 'catalyst-please-moderate-digitizing-an-urban-slum-in-jaipur-hunting-for-mobile-network-to-go-digital-2', '', '', '2019-03-12 02:49:33', '2019-03-12 02:49:33', '', 0, 'https://cashlesscatalyst.org/postman_sent_mail/catalyst-please-moderate-digitizing-an-urban-slum-in-jaipur-hunting-for-mobile-network-to-go-digital-2/', 0, 'postman_sent_mail', '', 0),
(40614, 0, '2019-03-12 03:14:35', '2019-03-12 03:14:35', 'A new comment on the post \"Digitizing an urban slum in Jaipur:  Hunting for mobile network to go digital\" is waiting for your approval\r\nhttps://cashlesscatalyst.org/catalyst-blog/hunting-mobile-network-go-digital/\r\n\r\nAuthor: eboboli (IP: 5.248.226.148, 5-248-226-148.broadband.kyivstar.net)\r\nEmail: usubuuta@ijemail.com\r\nURL: http://theprettyguineapig.com/amoxicillin/\r\nComment: \r\n[url=http://theprettyguineapig.com/amoxicillin/]Buy Amoxil 500mg[/url] <a href=\"http://theprettyguineapig.com/amoxicillin/\" rel=\"nofollow\">Amoxicillin</a> http://theprettyguineapig.com/amoxicillin/\r\n\r\nApprove it: https://cashlesscatalyst.org/wp-admin/comment.php?action=approve&amp;c=12067#wpbody-content\r\nTrash it: https://cashlesscatalyst.org/wp-admin/comment.php?action=trash&amp;c=12067#wpbody-content\r\nSpam it: https://cashlesscatalyst.org/wp-admin/comment.php?action=spam&amp;c=12067#wpbody-content\r\nCurrently 128 comments are waiting for approval. Please visit the moderation panel:\r\nhttps://cashlesscatalyst.org/wp-admin/edit-comments.php?comment_status=moderated#wpbody-content\r\n', '[Catalyst] Please moderate: \"Digitizing an urban slum in Jaipur:  Hunting for mobile network to go digital\"', 'Bad Request(invalid_grant)', 'private', 'closed', 'closed', '', 'catalyst-please-moderate-digitizing-an-urban-slum-in-jaipur-hunting-for-mobile-network-to-go-digital-3', '', '', '2019-03-12 03:14:35', '2019-03-12 03:14:35', '', 0, 'https://cashlesscatalyst.org/postman_sent_mail/catalyst-please-moderate-digitizing-an-urban-slum-in-jaipur-hunting-for-mobile-network-to-go-digital-3/', 0, 'postman_sent_mail', '', 0),
(40619, 0, '2019-03-12 05:09:11', '2019-03-12 05:09:11', 'A new comment on the post \"Digitizing an urban slum in Jaipur:  Hunting for mobile network to go digital\" is waiting for your approval\r\nhttps://cashlesscatalyst.org/catalyst-blog/hunting-mobile-network-go-digital/\r\n\r\nAuthor: ujorupo (IP: 62.210.177.44, 62-210-177-44.rev.poneytelecom.eu)\r\nEmail: owowibuwu@fastermand.com\r\nURL: http://theprettyguineapig.com/amoxicillin/\r\nComment: \r\n[url=http://theprettyguineapig.com/amoxicillin/]Amoxicillin No Prescription[/url] <a href=\"http://theprettyguineapig.com/amoxicillin/\" rel=\"nofollow\">Amoxicillin 500 Mg</a> http://theprettyguineapig.com/amoxicillin/\r\n\r\nApprove it: https://cashlesscatalyst.org/wp-admin/comment.php?action=approve&amp;c=12069#wpbody-content\r\nTrash it: https://cashlesscatalyst.org/wp-admin/comment.php?action=trash&amp;c=12069#wpbody-content\r\nSpam it: https://cashlesscatalyst.org/wp-admin/comment.php?action=spam&amp;c=12069#wpbody-content\r\nCurrently 130 comments are waiting for approval. Please visit the moderation panel:\r\nhttps://cashlesscatalyst.org/wp-admin/edit-comments.php?comment_status=moderated#wpbody-content\r\n', '[Catalyst] Please moderate: \"Digitizing an urban slum in Jaipur:  Hunting for mobile network to go digital\"', 'Bad Request(invalid_grant)', 'private', 'closed', 'closed', '', 'catalyst-please-moderate-digitizing-an-urban-slum-in-jaipur-hunting-for-mobile-network-to-go-digital-8', '', '', '2019-03-12 05:09:11', '2019-03-12 05:09:11', '', 0, 'https://cashlesscatalyst.org/postman_sent_mail/catalyst-please-moderate-digitizing-an-urban-slum-in-jaipur-hunting-for-mobile-network-to-go-digital-8/', 0, 'postman_sent_mail', '', 0);
INSERT INTO `in_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES
(40611, 20, '2019-03-11 13:22:18', '2019-03-11 13:22:18', '[vc_row type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/6\"][vc_custom_heading text=\"MEET THE TEAM\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23d11e3c|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\n<p style=\"text-align: center;\">We are a lean, entrepreneurial and motivated team of thinkers and doers.</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#ffffff\" enable_parallax=\"false\" parallax_speed=\"0.4\" bg_image=\"7841\"][vc_column][vc_row_inner equal_height=\"yes\" el_class=\"pmember-container\" css=\".vc_custom_1529596508622{margin-bottom: 40px !important;}\"][vc_column_inner el_class=\"pteam-inner-container\" width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1518614010448{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"sharon\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/Sharon.png\" alt=\"Sharon\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"sharon\"> SHARON BUTEAU </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"DIRECTOR\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1518614043137{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Sharon has over 15 years of experience in the field of research and international development. As the Executive Director of IFMR LEAD, Sharon leads the strategic direction of the organization and provides oversight to research, policy and capacity building engagements.</p>\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link phide\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/sudhir181279?trk=nav_responsive_tab_profile\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n[/vc_column_text][/vc_column_inner][vc_column_inner el_class=\"pteam-inner-container\" width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1486996932974{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"badal-malick\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/01.png\" alt=\"badal malick\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"badal-malick\"> BADAL MALICK </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"PRINCIPAL INNOVATION OFFICER\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1517295221489{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Trained in physics and economics, Badal loves to tinker with big ideas. He is passionate about disruptive innovation and large-scale change, which is reflected in his professional trajectory.</p>\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://in.linkedin.com/in/badalmalick\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n[/vc_column_text][/vc_column_inner][vc_column_inner el_class=\"pteam-inner-container\" width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529590589472{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"jayshree\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/06/Jayshree.png\" alt=\"Jayshree Venkatesan\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"jayshree\">JAYSHREE VENKATESAN</a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"LEAD, CUSTOMER CENTRICITY\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529585990865{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Jayshree is an experienced professional with a demonstrated history of working in the international development finance industry.</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner el_class=\"pteam-inner-container\" width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529586207341{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"varinder\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/06/varinder.png\" alt=\"Varinder Kaur\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"varinder\">VARINDER KAUR</a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"LEAD, SOCIAL &amp; BEHAVIORAL INSIGHTS\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529586254597{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Varinder has over 14 years of experience in brand strategy and social issues across India and UK.</p>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" el_class=\"pmember-container\"][vc_column_inner el_class=\"pteam-inner-container\" width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1518586346804{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"preethi-rao\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2017/02/Preeti-Rao.png\" alt=\"Preeti-Rao\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"preethi-rao\"> PREETHI RAO </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"LEAD, LAB PROJECTS\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529595576084{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Preethi holds a Master’s in Business Administration (MBA) from IFMR Business School, with a focus on finance and marketing. In her free time, Preethi likes to write poetry, read fiction and watch movies.</p>\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/preethi22/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n[/vc_column_text][/vc_column_inner][vc_column_inner el_class=\"pteam-inner-container\" width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529586736076{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"john-arun\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/06/john.png\" alt=\"John Arun\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"john-arun\"> JOHN VICTOR ARUN KUMAR </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"LEAD, INCUBATOR PROJECTS\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529586694470{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">John manages the accelerator’s operations at Catalyst and also oversees the organization’s MSME and Entrepreneurship research.</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner el_class=\"pteam-inner-container\" width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1518612943485{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"mandar\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/Mandar.png\" alt=\"mandar\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"mandar\"> MANDAR KAGADE </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"LEAD, POLICY\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529587013594{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">A policy wonk and a lawyer (in that order), Mandar Kagade is focussed on development of regulatory policy in connection with the payments ecosystem. He is passionate about exploring intersections of finance and policy.</p>\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/mandar-kagade-4a171333/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n[/vc_column_text][/vc_column_inner][vc_column_inner el_class=\"pteam-inner-container\" width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1487055436382{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"vaisnavi\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2017/01/Vaisnavi-Gnanasekaran.png\" alt=\"VAISNAVI GNANASEKARAN\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"vaisnavi\"> VAISNAVI G </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"MONITORING &amp; EVALUATION SPECIALIST\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485770270198{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Passionate about designing solutions that address the needs of the underserved sections of society, Vaisnavi’s journey in the development sector started through volunteer opportunities.</p>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"]\n<div id=\"sharon\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">SHARON BUTEAU</h2>\n<h3 class=\"pteam-member-position\">DIRECTOR</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sharon\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nSharon has extensive experience in building important partnerships between academia, donor agencies, policymakers and practitioners to promote evidence-based policy making and practice at scale. She has hands-on experience in research and analytics, and is a Principal Investigator on several IFMR LEAD studies as well. Prior to joining IFMR LEAD, Sharon was an Economist with the Analysis Group in Montreal, Canada.\n\nSharon holds a Master’s Degree in Social Research Methods from the London School of Economics &amp; Political Science, and a Master’s Degree in Economics from the Université du Québec à Montréal.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"jayshree\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">JAYSHREE VENKATESAN</h2>\n<h3 class=\"pteam-member-position\">LEAD, CUSTOMER CENTRICITY</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sharon\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nPreviously, she has worked with CGAP and Accion on customer centric business models for low-income segments. As the CEO of IFMR Mezzanine Finance, Jayshree managed an investment portfolio of USD 2 million with zero default. A graduate from MDI Gurgaon, Jayshree is a Chevening Fellow from King\'s College, London.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"varinder\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">VARINDER KAUR</h2>\n<h3 class=\"pteam-member-position\">LEAD, SOCIAL &amp; BEHAVIORAL INSIGHTS</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sharon\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nPreviously, she has worked with BBC Media Action in India to lead their research on an HIV/AIDS project funded by the Bill and Melinda Gates Foundation. Varinder also has significant experience in strategy design and impact evaluations of corporate social responsibility projects, with organizations such as Unilever, Marico and Reliance.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"john-arun\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">JOHN VICTOR ARUN KUMAR</h2>\n<h3 class=\"pteam-member-position\">LEAD, INCUBATOR PROJECTS</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sharon\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nHis core areas of work are project design, implementation and monitoring &amp; evaluation. John has 10 years of experience in the Development Sector and has worked at Tata Consultancy Services on an Entrepreneurship Development program. John holds a Master\'s degree from the Madras School of Social Work and a Bachelor\'s in Computer Science from the Madras university.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"badal-malick\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">BADAL MALICK</h2>\n<h3 class=\"pteam-member-position\">PRINCIPAL INNOVATION OFFICER</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"badal-malick\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nBadal has a deep industry background in financial services, digital payments and online commerce. Previously, he was a Vice President at Snapdeal where he built an Omnichannel business from ground up; a Group Product Head at Intuit’s Quickbooks business unit where he crafted new fintech products; an Engagement Manager at McKinsey’s financial services and payments practice where he advised Fortune 50 companies on innovation strategies; and an Economist at the World Bank\'s Water and Sanitation Program where he led a ground breaking a new initiative focused on public accountability in urban service delivery.\n\nHe is a technology enthusiast, an active angel investor, and once played for a NYC based rock band. He has an MBA from the Yale School of Management.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"alok\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">ALOK GUPTA</h2>\n<h3 class=\"pteam-member-position\">DIRECTOR, INCUBATION</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"alok\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nAlok has 22 years of global experience in fintech solutions. He was COO, India, at World Resources Institute where he set up global work in urban innovation and tools. Before that he was member of the startup team at UIDAI driving program strategy and implementation of Aadhaar – the world’s largest biometric-based online identity platform for 1.2 billion Indians -- enabling roll out of the Aadhaar-based payment platform and effective delivery of welfare services. Prior to UIDAI, he took two fintech ventures to the Indian market as a founding team member. Earlier, he worked in the U.S. for 10 years with Trend Micro, managing global IT strategy, and DiamondCluster, developing and executing digital strategies for Fortune 50 companies.\n\nHe has an Electronic Commerce management degree from Tepper School of Business, Carnegie Mellon University and Bachelors in Electrical Engineering from Delhi College of Engineering.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"sudhir\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">SUDHIR KUMAR</h2>\n<h3 class=\"pteam-member-position\">ECOSYSTEM OPERATIONS LEADER</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sudhir\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nPreviously, while with the Small Industries Development Bank of India (SIDBI), Sudhir headed its Financial Inclusion initiative (Poorest States Inclusive Growth program) in Madhya Pradesh and Uttar Pradesh, focusing on increasing access to financial services among poor households. As an entrepreneur, Sudhir initiated his own Urban Microfinance Company called MITRA in Rajasthan, providing financial services to urban poor. He has also worked closely with industry associations on policy and advocacy issues and with client-beneficiaries in urban and rural Rajasthan to generate linkages with livelihoods.\n\nHe is a postgraduate from the Indian Institute of Forest Management (IIFM).\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"parvinder\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">PARVINDER SINGH</h2>\n<h3 class=\"pteam-member-position\">ASSOCIATE DIRECTOR, LEARNING &amp; COMMUNICATIONS</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"parvinder\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nPassionate about evidence-based conversations and storytelling, he has co-created community media initiatives and digital platforms for public engagement for inclusion and social change. Parvinder has worked with some of the leading development organizations like ActionAid, Oxfam, Christian Aid International, Plan International and Landesa among others. He loves contributing to the on-going public discourses through his writings and has been published in academic journals and international news media.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"sapna\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">SAPNA BHARATH</h2>\n<h3 class=\"pteam-member-position\">MANAGER, PARTNERSHIPS &amp; IMPLEMENTATION</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sapna\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nSapna has been a pilot team member at global investment banks such as Goldman Sachs, Lehman Brothers and Nomura, and their set up and start up story in India. With over 11 years of experience across transition, operations and execution of large-scale business transformation programs, her noteworthy engagements involved the roll out of new bank branch set ups for equity and fixed income businesses in Mauritius, Singapore, Indonesia and China. In her last stint at Nomura, she was instrumental in front-to-back program management, business analysis and user-acceptance testing for projects such as delivery of India FII Proprietary Trading business roll-out. Prior to Nomura, Sapna was a business analyst at Goldman Sachs and established a center of excellence reconciliation platform for Lehman’s global businesses.\n\nSapna holds a Bachelor in Commerce Degree, an MBA from the Symbiosis University, Pune and is Six Sigma Green Belt certified.\n\n</div>\n</div>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#ffffff\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" bg_image=\"7841\"][vc_column][vc_row_inner equal_height=\"yes\" el_class=\"pmember-container\"][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1507728744809{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"aditya\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/aditya.png\" alt=\"ADITYA DESHPANDE\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"aditya\"> ADITYA DESHPANDE </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"STRATEGY AND PRODUCT ARCHITECT\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1507728928331{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">An Engineer and a Post-Graduate in management, Aditya is passionate about startups and has spent a large portion of his professional journey in the ecosystem.</p>\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/aditya-deshpande-083716a/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529594073143{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"gaurav-s\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/Gaurav.png\" alt=\"GAURAV SINGHAL \" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"gaurav-s\">GAURAV SINGHAL </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"BUSINESS ANALYST\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529587612824{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Passionate about fintech and use of blockchain to improve regulation tech, Gaurav loves designing the efficient ways to streamline processes. prior catalyst he was a co-founder at Authentic – An India stack based E-KYC and authentication startup.</p>\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/gsinghal680/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529587858454{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"sunil\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/Sunil-Gurubhagwatla.png\" alt=\"sunil\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"sunil\"> SUNIL GURUBHAGWATLA </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"SENIOR PROGRAM ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529587889025{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Sunil is an engineer turned management student. He has worked in the areas of brand alliance in ecommerce and as a Business Intelligence consultant for several domains.</p>\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/sunil-gurubhagwatla-42a9791a\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529588438599{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"tunisha\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/Tunisha-Kapoor-n.png\" alt=\"tunisha\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"tunisha\"> TUNISHA KAPOOR </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"OPERATIONS ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529588466193{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Tunisha is passionate about policy and regulatory research and has had professional exposure in a diverse set of sectors including business responsibility, insurance and energy.</p>\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://in.linkedin.com/in/tunisha-kapoor-9a117851\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"]\n<div id=\"mandar\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">MANDAR KAGADE</h2>\n<h3 class=\"pteam-member-position\">POLICY CONSULTANT</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"mandar\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nBefore Catalyst, Mandar worked with the Finance Research Group at IGIDR (Mumbai) on a Paypal-funded assignment authoring and disseminating policy research, op-ed pieces and curating round tables towards policy advocacy. Earlier, he was at the Bharti Institute Of Public Policy (Indian School Of Business) where he published financial regulatory research in banking, payments and fintech. A graduate of Columbia Law School and Govt. Law College (Mumbai) he practiced Transaction Law in an earlier life, before the policy bug bit him. When he is not thinking about pushing payments, you would find him watching Ken Burns\' documentaries or Quentin Tarantino creations.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"aditya\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">ADITYA DESHPANDE</h2>\n<h3 class=\"pteam-member-position\">STRATEGY AND PRODUCT ARCHITECT</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"aditya\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nFor over 10 years, Aditya has handled a wide range of roles including consulting, academics and entrepreneurship. Previously, he was working with GREX as Associate Vice President and handled the ground-up development of debt products for the company. He was responsible for many key partnerships for GREX and also handled various special initiatives, as part of the PMO team earlier. After a brief stint with Satyam as WRAP consultant, he moved to academics and subsequently became part of the entrepreneurship ecosystem while working with a Pune based VC firm and later his own startup in the incubation space.\n\nHe is an Electronics Engineer and also has a PG Diploma in Management from IMT, Nagpur. He loves working on product ideas and building strong partnerships for organizational growth. Aditya enjoys reading and conquering difficult terrain with his prized 4×4 in his free time. He also enjoys traveling, photography and horse riding.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"arbind\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">ARBIND KUMAR</h2>\n<h3 class=\"pteam-member-position\">OPERATIONS ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"arbind\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nArbind has a post graduate degree in E-Governance from IIM Indore, and has an experience of over 6 years in business consulting and ICT Solutions for various Government Ministries and Departments. At his last held designation as a Consultant for Business Process &amp; IT and an Advisory Consultant, he has been a key driver of business strategy, transformation and operational improvement. He has also been associated with National Institute for Smart Government, Bluefrog mobile technologies Pvt. Ltd and IIM Indore. Prior to joining Catalyst, he has been a part of\n\nPrior to his association with Catalyst, he was a part of the National Institute for Smart Government (NISG) New Delhi, where he was associated with various Ministries and Govt. departments, which included Controller General of Defence (MoD), Department of Finance (Govt. of Bihar), Election Commission of India, Ministry of Labour and Employment, Punjab Governance Reforms and others. During his free time, Arbind enjoys cooking, designing, watching movies and trying new cuisines.\n\nHis involvement with various Ministries and Govt. Departments are in the area of Rural Development, Health and Treasury Management. As a consultant, Arbind was involved in designing workflow-based business processes for the Government to create transparency, and as a Management Consultant, he was a part of conceptualizing, designing, and monitoring the E- Governance Project.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"aparajita\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">APARAJITA BHARTI</h2>\n<h3 class=\"pteam-member-position\">COMMUNICATIONS AND MEDIA CONSULTANT</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"aparajita\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nAparajita was one of the four Indians selected for the Faiths Act Fellowship by the Tony Blair Faith Foundation. Prior to that, she was a LAMP Fellow and worked as a Legislative Assistant to Mr. N.K. Singh, Member of Parliament, Rajya Sabha. Most recently, she was Manager, Corporate Affairs and Communications at Snapdeal where she was responsible for media messaging and engagement, in addition to providing inputs on policy and legislative issues concerning the digital commerce sector. She also developed and managed partnerships with many state governments for Snapdeal.\n\nA street theatre artist in her undergraduate years, Aparajita was instrumental in seeding ‘Manthan’ – an annual congregation of street theatre student groups to spread social awareness across India. Manthan has now expanded to 15+ towns and cities.\n\nShe is an alumnus of Oxford University and College of Business Studies at Delhi University.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"rohit\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">ROHIT KUMAR</h2>\n<h3 class=\"pteam-member-position\">POLICY CONSULTANT</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"rohit\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">Rohit served as the Head of Policy and Research at the office of Mr. Baijayant ‘Jay’ Panda, Member of Parliament (MP) in Lok Sabha. Prior to that, he has worked for several years with PRS Legislative Research, the Indian think-tank that supports MPs across party lines with research on legislative and policy issues. At PRS, Rohit also developed ‘MP Track’, a tool that is widely used by civil society to track engagement of MPs in Parliament. Before shifting to policy, he was a strategy consultant with the Boston Consulting Group (BCG).Rohit is an alumnus of the Harvard Kennedy School of Government and Indian Institute of Technology-Bombay.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"vaisnavi\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">VAISNAVI GNANASEKARAN</h2>\n<h3 class=\"pteam-member-position\">MONITORING &amp; EVALUATION SPECIALIST</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"vaisnavi\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nVaisnavi has worked with various international organizations on research projects focused on the development sector while undertaking her Masters degree. She worked at the United Nations Population Fund Headquarters in New York where she was involved in designing and coordinating evaluation studies of global projects. During this time, she worked with UNICEF and UN Women on evaluation of a jointly operated project to address female genital mutilation in Sub-Saharan Africa. Prior to this, she worked with faculty at the University of Alberta on projects ranging from safe needle exchange programs for addicts to special after-school programs for at-risk children. As a volunteer, Vaisnavi worked with sex workers’ union and human rights activist groups. She specializes on solutions that have a strong data analytical backbone in the development sector.\n\nVaisnavi recently completed her Master degree in Public Health from University of Alberta, Canada.\n\n</div>\n</div>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#ffffff\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" bg_image=\"7841\"][vc_column][vc_row_inner equal_height=\"yes\" el_class=\"pmember-container\"][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529589323846{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"arbind\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2017/08/Arbind_kumar.png\" alt=\"arbind\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"arbind\"> ARBIND KUMAR </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"OPERATIONS ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529589390712{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Passionate about developing and improving e- Governance systems across multiple levels of society, Arbind loves to design user friendly workflow-based business processes for the Government to create transparency.</p>\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/arbind-kumar-b0a5bb67/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529588667655{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"darshan\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/Darshan-singh.png\" alt=\"Darshan Singh\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"darshan\"> DARSHAN SINGH </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"OPERATIONS ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529588692226{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Prior to Darshan\'s association with Catalyst, he was associated with Indian Institute of Management (Indore), for entrepreneurship and enterprise development programs.</p>\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"http://www.linkedin.com/in/darshan-singh-09907777181\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529588787401{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"siddharth\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/Siddhanth_Dhankhar.png\" alt=\"siddharth\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"siddharth\"> SIDDHARTH DHANKHAR </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"PROGRAM ASSOCIATE \" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529588814331{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Siddharth enjoys mathematics and all things data. He joins Catalyst from the partnerships &amp; strategic initiatives team at Snapdeal. He loves swimming, squash and anything that gets him outdoors.</p>\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/siddharthdhankhar\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529591448130{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"preeti-bawa\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/Preeti-Bawa.png\" alt=\"preeti bawa\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"preeti-bawa\"> PREETI BAWA </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"ADMIN MANAGER\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529591479636{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">With flawless administrative skills, Preeti is passionate about her work; conducting events is her strength. She feels good to provide support to her teammates.</p>\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://in.linkedin.com/in/tunisha-kapoor-9a117851\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"]\n<div id=\"arindam\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">ARINDAM JANA</h2>\n<h3 class=\"pteam-member-position\">DATA SCIENTIST</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"arindam\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nArindam has developed analytical frameworks for problems ranging from performance and strategy evaluation in Twenty20 cricket, to identifying possible locations for the new capital of the bifurcated state of Andhra Pradesh, to assessing credit risk in data-poor lending networks, to proving cartel and monopolistic behaviour in markets. Arindam also has a keen interest in developing data pipelines, with a specific interest in data quality and value add – in his time with Indian Institute for Human Settlements, he was instrumental in developing a spatiotemporal database panning sources from Census of India to remote sensing imagery from NASA and ISRO. In his free time, Arindam loves following long form cricket from across the globe, cooking, and analysing films.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"preeti-bawa\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">PREETI BAWA</h2>\n<h3 class=\"pteam-member-position\">ADMINISTRATIVE OFFICER</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"preeti-bawa\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nPreeti previously worked with FHI360 where she gained exposure to the development sector. Earlier, at Jayanita Exports, she was exposed to work with global buyers for handicraft export and import. Before that, at Alar Impex Pvt. Ltd., she was working with the Belgian government on importing dredging machines from Belgium. Her first experience was interesting: she started her career with SSC as an invigilator for initial paper checks.\n\nShe has an Economics degree from Delhi University, and an Office Management and Secretarial Diploma from YMCA as well as an Operational Management diploma from MIT.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"sunil\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">SUNIL GURUBHAGWATLA</h2>\n<h3 class=\"pteam-member-position\">SENIOR PROGRAM ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sunil\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nSunil has worked with Snapdeal in the capacity of Brand Alliances Manager. He has also worked to pilot the Omni channel form of retail in the e-commerce space. Prior to that, he has worked with Cognizant as a Business Intelligence consultant for clients ranging from the publications to banks to telecom sectors.\n\nHe is an alumnus of Mudra Institute of Communications (MICA), Ahmedabad and National Institute of Technology, Raipur.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"tunisha\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">TUNISHA KAPOOR</h2>\n<h3 class=\"pteam-member-position\">OPERATIONS ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"tunisha\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nTunisha has valuable work experience in both the corporate as well as the development sector. She worked as a Senior Research Associate with Consumer Unity and Trust Society for two years handling policy and regulatory research. Prior to that she worked with IMRB International for three years and was responsible for end-to-end project management. She handled both quantitative as well as qualitative studies in the areas of brand health checks as well as communication evaluations.\n\nTunisha has a management degree from Mudra Institute of Communications, Ahmedabad (MICA).\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"darshan\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">DARSHAN SINGH</h2>\n<h3 class=\"pteam-member-position\">OPERATIONS ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"darshan\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nDuring Darshan\'s tenure at DA, he played a leadership role in the creation of ecosystem development for fly ash brick industry, enterprise development, creation of market linkages and integrated village development with HUL and Bharat Oman Refineries Limited. His business proposal on Rural Home Stays in Madhya Pradesh “Homes of India” was selected by IIM- Calcutta as a semi-finalist entry to TATA Social Enterprise Challenge and he was offered the Entrepreneurship Development Program at IIM-Calcutta on incubation. As an independent consultant, he has helped non-profit organizations with fundraising and marketing strategies. He has also independently conducted marketing activation campaigns for various corporates.\n\nDarshan’s education background is in economics and international business management.\n\n</div>\n</div>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"image\" bg_color=\"#ffffff\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" bg_image=\"7841\"][vc_column][vc_row_inner equal_height=\"yes\" el_class=\"pmember-container\"][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1545304775330{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"allan\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/02/Allan.png\" alt=\"allan\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"allan\"> ALLAN ALFRED</a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"DESIGN AND BRANDING MANAGER\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529591584834{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">A professional visual artist, Allan has dedicated over a decade to art and design. He is a graduate in Visual Communication and is passionate about creating and exploring the latest trends in visual art.</p>\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/allanalfred/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1545375735646{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"kanika\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/12/Kanika4.png\" alt=\"kanika\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"kanika\">KANIKA KHANNA</a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"COMMUNICATIONS LEAD\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1545308758844{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Kanika is a seasoned communications expert and a story teller with 16 years of experience. She believes that a strong communications campaign can act as a catalyst in bringing about desired change. It can either make or break.</p>\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://in.linkedin.com/in/kanika-khanna-b1492b8\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" offset=\"vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1488876627889{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"siddharth\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/Siddhanth_Dhankhar.png\" alt=\"siddharth\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"siddharth\"> SIDDHARTH DHANKHAR </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"PROGRAM ASSOCIATE \" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1518612644484{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Siddharth enjoys mathematics and all things data. He joins Catalyst from the partnerships &amp; strategic initiatives team at Snapdeal. He loves swimming, squash and anything that gets him outdoors.</p>\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/siddharthdhankhar\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" offset=\"vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529588291472{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"allan\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/02/Allan.png\" alt=\"allan\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"allan\"> ALLAN ALFRED </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"DESIGN AND BRANDING MANAGER\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529588316347{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">A professional visual artist, Allan has dedicated over a decade to art and design. He is a graduate in Visual Communication and is passionate about creating and exploring the latest trends in visual art.</p>\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/allanalfred/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"]\n<div id=\"shagun\" class=\"team-profile-container\" style=\"style: z-index: 11;\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">SHAGUN NAGPAL</h2>\n<h3 class=\"pteam-member-position\">SENIOR COMMUNICATIONS MANAGER</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"shagun\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nAn Advertising &amp; Public Relations major from Indian Institute of Mass Communication; Shagun believes that effective communication leads to a positive change. Over the course of last 7 years she has worked in diverse work environments starting from Advertising agencies such as Ogilvy &amp; Mather to Humanitarian organisations such as Medecins Sans Frontieres/Doctors Without Borders. Her extensive experience, during which she has managed Press Relations as well as designed Experiential Marketing campaigns, has provided her with an opportunity to explore communication through varied lenses.\n\nShe has planned &amp; executed marketing campaigns for various audience profiles in India and South Asia. This background has given Shagun interesting insights into different cultures, along with teaching her skills like people\'s management, customer engagement and crisis management.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"anup\" class=\"team-profile-container\" style=\"style: z-index: 11;\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">ANUP KUMAR ROY</h2>\n<h3 class=\"pteam-member-position\">OPERATIONS LEADER, IFMR LEAD</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"anup\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nAnup joined IFMR Research in October 2005 as Research Associate and has worked in several research studies. Prior to IFMR, he worked with University of Delhi for four years, as well as the World Bank as Short Term Consultant for more than a year. At present, as COO, he is involved in IFMR’s international expansion, partnership and training, HR and administration, grant management, financial functions, effective data collection, data management and ethical compliance.\n\nAnup holds a Master degree in Social Work from the University of Delhi.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"preethi-rao\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">PREETHI RAO</h2>\n<h3 class=\"pteam-member-position\">LEAD, LAB PROJECTS</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"preethi-rao\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nIn addition to her role at Catalyst, Preethi heads the Innovation Vertical at IFMR LEAD. As an Innovation Champion, she drives new initiatives and is responsible for conceptualizing new areas of interest for the organization. A significant part of her role at IFMR LEAD is to identify improvements to existing processes, drive new research opportunities and develop capabilities for the same. She is also involved in developing and leading research studies and short term projects in open data, MSMEs, finance and healthcare. Her past roles include overseeing field data collection and digitization of operations.\n\nPreethi’s journey at IFMR began in 2006 as a researcher where she worked in the small enterprise finance and development space until 2012. During this time, she managed a pan India study on ROSCAs and their role in MSME financing, funded by the Bill &amp; Melinda Gates Foundation. The study was presented to and acknowledged by the then Hon. Finance Minister, Mr. Pranab Mukherjee.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"vivekdeep\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">VIVEKDEEP GUPTA</h2>\n<h3 class=\"pteam-member-position\">ASSOCIATE DIRECTOR, STRATEGIC INNOVATIONS</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"vivekdeep\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nVivekdeep Gupta graduated in 2014 with an MBA in Finance and Economics. Vivek has significant public policy experience, having worked at the Office of the Advisor to Prime Minister of India where he designed parts of the National Skill Development Policy and approved loans for skill development programs. He also worked with Mr. N Chandrababu Naidu, through the AP Economic Development Board, during his current tenure as Chief Minister of Andhra Pradesh. Vivek spent 4 years with the Tata Group as part of the Tata Administrative Services (TAS) in Africa, Israel and India. At TAS, he helped the Group set up multiple businesses including India’s first private sector military aerospace unit and micro-finance fund in South Africa.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"akanksha\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">AKANKSHA MITTAL</h2>\n<h3 class=\"pteam-member-position\">OPERATIONS ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"akanksha\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nAkanksha has worked with Accenture Strategy as a Business Consultant for close to years, in large scale implementation and strategy projects in areas of process efficiency and process integration with technological systems.\n\nShe completed her MBA from Indian Institute of Management, Bangalore and BSc (H) Mathematics from Lady Shri Ram College. She is passionate about the causes of Financial Inclusion, education for the blind and economic development and has contributed to these areas in her own small yet significant ways.\n\nShe likes watching plays more than movies and philosophy more than romance. Her height doesn’t justify her love and skill at basketball and she takes the job of restaurant critiquing quite seriously! Her bucket list includes travelling solo to Latin America and teaching kids there.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"ryan\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">RYAN TERRIBILINI</h2>\n<h3 class=\"pteam-member-position\">FELLOW</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"ryan\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nRyan has worked on numerous projects at the intersection of technology, policy, and operations. He spent four years at Google developing the Android hardware and software ecosystems by managing direct-to-consumer device support operations and creating policies for the world\'s biggest mobile app marketplace. At Ripple, Ryan served as Head of Developer Relations and Platform Partnerships. Through this role he engaged with numerous financial institutions and FinTech entrepreneurs building the payment systems of the future.\n\nRyan is a magna cum laude graduate of the University of California, Berkeley with a degree in Classical Civilizations. He is expected to graduate from the University of Oxford\'s Master of Public Policy program in Fall 2017. When he\'s not studying or playing with tech, you can find Ryan relaxing by watching and playing baseball.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"adiraju\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">BHARADWAJ ADIRAJU</h2>\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"adiraju\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">Bharadwaj is pursuing an M.A. in Economics from the University of Hyderabad. Driven by his desire to solve socio-economic injustices, he was part of a team that conducted a study on the reasons for the drop-out of differently-abled students from Delhi University. He intends to combine his interests in teaching and economics to pursue a career in teaching Currently, he is interested in investigating benefits of financial inclusion at the grass-roots and its impact on macroeconomic policies and indicators. In his free time, he enjoys relaxing and plays the Carnatic Classical violin and lawn tennis.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"katyal\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">RAGHAV KATYAL</h2>\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"katyal\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">Raghav studies Political Science and Economics at Ashoka University. He believes policy enables markets to drive socio-economic development. An aspiring public policy professional, Raghav also enjoys writing opinion pieces on contemporary issues. Apart from his academic pursuits, he also steers the Consulting vertical of the Ashoka Business Club.\nBorn and brought up in New Delhi, he takes an avid interest in reading up on the city’s history, monuments, as well as the politics that is woven into its fabric. At Catalyst, he hopes to help create government regulation for payments which can unlock financial inclusion for India’s masses.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"khanna\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">SAMRUDHI KHANNA</h2>\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"khanna\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">With an undergraduate degree in financial markets and over two years of experience in investment banking research, Samrudhi has now decided to dive into a more impactful role within the space. She aims to contribute her time and skills towards helping Catalyst build a digitized national economy and promote financial inclusion at various levels. A firm believer in the bottom up theory of development, she has also worked on a number of field as well as analytical projects in behavioural finance, child labour, improving the scope of primary education in India etc.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"srinivasan\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">NITHYA SRINIVASAN</h2>\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"srinivasan\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">Nithya recently graduated in Economics from Miranda House, University of Delhi and is passionate about international development and economic research. Her academic interests include social entrepreneurship, women empowerment, and behavioural aspects of public policy formulation. In the past, Nithya has worked with research organisations, NGOs and the Delhi Government on women entrepreneurship, public health, education and law. She recently represented India at the South Asian Economics Students Meet, Bangladesh and was awarded ‘best paper’ for her research work on healthcare financing. Besides research, Nithya loves debating, travelling and meeting new people. She is a passionate singer and currently teaches with an organisation called Music Basti in Delhi.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"swallow\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">MYLA SWALLOW</h2>\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"swallow\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">Myla is interested in the intersection of normative philosophy and the realities of global economic development. She bridges a fascination for the theoretical with a desire to implement effective on-the-ground change, realising that these pursuits can often lead in divergent directions. She is now working on her undergraduate thesis investigating and evaluating the execution of financial services in low-income communities. Myla is originally from Sydney, Australia, but has spent the last 3 years as a Robertson Scholar at Duke University. She will be graduating from Duke in May 2019 with a double major in economics and philosophy.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"anupama\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">ANUPAMA MENON</h2>\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"anupama\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nAnupama is an undergraduate student of Electronics and Communication Engineering at the National Institute of Technology, Trichy, and was named a Cargill Global Scholar in 2017. She is driven by a desire to integrate technology with the development sector in India. She is interested in digitization and its impact on the Indian economy and is keen on using her technical and behavioral insights to fast-track this process.\n\nShe has worked extensively in the Public Health sector - having conducted research in Medical Imaging and developed an application for Breast Cancer Thermography. As a volunteer, she has taught English to primary-school goers in rural Trichy. She also takes an active interest in theatre, classical dance and writing.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"allan\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">ALLAN ALFRED</h2>\n<h3 class=\"pteam-member-position\">DESIGN AND BRANDING MANAGER</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"allan\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nFor over a decade, Allan has been dedicated to design and looking into global design trends. His passion for art, design and communication has helped him build a staggering array of visual art and concepts. During the last 13 years, Allan has been recognized as a change enthusiast and a trend setter.\n\nAfter graduating with a Degree in Visual Communication, Allan has worked in Malaysia and many parts of India. He is a well appreciated Team Leader and spends most of his leisure time interacting with like-minded creative professionals and exploring new realms of design.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"siddharth\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">SIDDHARTH DHANKHAR</h2>\n<h3 class=\"pteam-member-position\">PROGRAM ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"siddharth\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nSiddharth has a dual degree from BITS Pilani with bachelor\'s degree in electronics engineering and a master\'s degree in economics. He\'s previously interned at Morgan Stanley, KPMG, among other companies.\n\nPrior to joining Catalyst, he spent about two years at Snapdeal working on partnerships &amp; strategic initiative projects.\n\nIn his spare time, he can be found debating, planning detailed vacation itineraries and outdoors. He has spent a summer working in financial crime investigation with Gurgaon Police.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"gaurav-s\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">GAURAV SINGHAL</h2>\n<h3 class=\"pteam-member-position\">BUSINESS ANALYST</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sharon\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nGaurav has been an active participant in startup ecosphere. He has worked with CIIE, IIM A where he worked on the bi-yearly Blpan competition Power of Ideas; as an intern at Dexter capital – a startup debt advisory and angel fund where he assisted in early due diligence and outreach; and as a Business development associate at CultureAlley, creator of HelloEnglish App where he worked on monetizing the app through multiple channels and upselling. In his free time, he loves to write short stories, follow cricket and prepare for marathon cycling.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"kanika\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">KANIKA KHANNA</h2>\n<h3 class=\"pteam-member-position\">COMMUNICATIONS LEAD</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sharon\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nShe has a deep and robust background, spanning public relation agencies (Lintas\' LINOpinon, 20:20 Media), corporate sector firms (Hay Group/Korn Ferry, Aon Hewitt) and handled communications, media and public advocacy for WHO for 7 years. Her experience spans corporate/marketing communications, public advocacy, media relations, risk &amp; issues-based communications, digital marketing and visual communications.\n\nShe has conceptualized and managed communication campaigns for Google, Oracle, Red Hat, BBC Hindi Radio Service, Adobe, Polycom, Agewell Foundation, Election Commission, among others, including public advocacy campaigns like mental health, road safety, Say No To Tobacco, antibiotic resistance, routine immunization, and disease outbreak situations.\n\nShe has had the privilege of working across diverse industries and learnt to communicate effectively with due respect to their sensitivities.\n\nShe is a Commerce graduate and Masters in Marketing and Business Administration. She holds a diploma in Public relations and Marketing. Kanika is a travel enthusiast and believes in angels\n\n</div>\n</div>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"image\" bg_color=\"#ffffff\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" visibility=\"hidden-xs,hidden-sm,hidden-md,hidden-lg,hidden-xlg\" bg_image=\"7841\"][vc_column][vc_row_inner equal_height=\"yes\" el_class=\"pmember-container\"][vc_column_inner width=\"1/4\"][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][vc_column_inner el_class=\"phide\" width=\"1/4\" offset=\"vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1488521635859{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"sowmya\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/Sowmya-Nanjudaiah.png\" alt=\"sowmya\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"sowmya\"> SOWMYA NANJUNDAIAH </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"MARKETING, INCITE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1486129377285{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Sowmya is CEO of INCITE, where she helps companies reimagine how they interact with their customers and manage their businesses in the digital economy.</p>\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/sowmya-nanjundaiah-4695b43\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"]\n<div id=\"shubham\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">SHUBHAM KULSHRESTHA</h2>\n<h3 class=\"pteam-member-position\">OPERATIONS ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"shubham\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nShubham recently graduated from Peking University HSBC Business School with a master degree in Management Science and has undertaken projects involving product portfolio establishment, market research, business analysis and project management during his study. He has worked on a joint venture under the guidance of senior leadership in Mahindra Intertrade to study the feasibility of new product establishment in the Indian market. Shubham brings to the table a rich experience of working with global MNCs like Mahindra &amp; Mahindra, Bosch &amp; JCB.\n\nHe has a Bachelors in Mechanical engineering from Manipal University. During his tenure of study at Manipal, he has lead teams in National level automotive events like BAJA &amp; National Go kart championship and has worked as a volunteer in social organizations like Gramiksha and AIESEC, India.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"smriti\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">SMRITI AGRAWAL</h2>\n<h3 class=\"pteam-member-position\">MANAGER, POLICY AND PARTNERSHIPS</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"smriti\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nA Harvard Law School and London School of Economics graduate, Smriti is a lawyer turned economist specializing in financial regulation, international and monetary economics. She has previously worked with Reserve Bank of India and Ministry of Finance and was involved in issues relating to fiscal policy and public finance. In this context, Smriti engaged in mobilization of small savings through market borrowings.\n\nPrior to this, she was assigned on projects with European Commission &amp; ESMA on improving involvement of retail users in the design of financial policies. Smriti is a trained Indian classical dancer who tries to engage and teach kids Kathak.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"pratap\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">PRATAP THUMBOOCHETTY</h2>\n<h3 class=\"pteam-member-position\">MARKETING, INCITE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"pratap\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nPratap began his career as a research scientist at the Indian Institute of Science, Bengaluru. During his MBA program in the U.S., Pratap interned with the Federal Communications Commission, helping draft policy and legislation for the Satellite Communications division. Then, as a part of Capital One’s Small Business division, Pratap was instrumental in developing new products and creating and growing the Loyalty Program. He later led Capital One’s foray into the Indian consumer lending market. During this time, he was also invited to write an advisory paper to the Ministry of Finance, Government of India, on leveraging data analytics within the Income Tax department. As an independent consultant, Pratap mentored large corporations by offering strategic advice related to India entry.\n\nPratap has a degree in electrical engineering and an MBA from the Yale School of Management with a dual concentration in strategy and international finance.\n\n</div>\n</div>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" visibility=\"hidden-xs,hidden-sm,hidden-md,hidden-lg,hidden-xlg\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/6\"][vc_custom_heading text=\"SUMMER PROGRAM (BATCH OF 2017)\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23d11e3c|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\n<p style=\"text-align: center;\">Every year, we select a few passionately driven individuals with unique skills and interests that complement our current priorities.</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"image\" bg_color=\"#ffffff\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" visibility=\"hidden-xs,hidden-sm,hidden-md,hidden-lg,hidden-xlg\" bg_image=\"7841\"][vc_column][vc_row_inner equal_height=\"yes\" el_class=\"pmember-container\"][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1494410553853{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"ryan\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/Ryan-terribilini.png\" alt=\"ryan\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"ryan\"> RYAN TERRIBILINI </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"FELLOW\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494240914237{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Being born and raised right next to Silicon Valley, Ryan has always been inspired by the history of technology and its potential for the future.</p>\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/ryanterribilini/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1494241018144{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"maya\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/Maya-Durvasula.png\" alt=\"maya\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"maya\"> MAYA DURVASULA </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494239528364{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Research and service in a diverse array of settings have augmented Maya’s commitment to poverty alleviation and economic development.</p>\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/maya-durvasula-7aaa9179/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1494240671749{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"priyanka\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/priyanka.png\" alt=\"priyanka\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"priyanka\"> PRIYANKA ROYCHOUDHURY </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494240448187{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Priyanka is currently pursuing MSc Economics from London School of Economics and Political Science. Prior to joining LSE.</p>\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/priyanka-roychoudhury-15aa843b/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1494334037374{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"abhinav\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/Abhinav-Verma.png\" alt=\"abhinav\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"abhinav\"> ABHINAV VERMA </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494334178467{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Abhinav is interested in social entrepreneurship and the potential of markets to promote economic development. He is a second-year undergrad studying Economics and Finance at Ashoka University.</p>\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/abhinav-verma-b2b74a10b/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" disable_element=\"yes\" el_class=\"pmember-container phide\" css=\".vc_custom_1517294658131{margin-top: 40px !important;}\"][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1504761827594{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"jennifer\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2017/09/Jennifer-Sung.png\" alt=\"jennifer\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"jennifer\"> JENNIFER SUNG </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1504761858418{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Jennifer is a finance professional with a poetic heart, curious palate and wandering feet. Her diverse experiences have fueled her interests in financial technology, entrepreneurship and early stage investments.</p>\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/jennifer-sung-20b80162/?ppe=1\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" offset=\"vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1494241018144{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"maya\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/Maya-Durvasula.png\" alt=\"maya\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"maya\"> MAYA DURVASULA </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494239528364{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Research and service in a diverse array of settings have augmented Maya’s commitment to poverty alleviation and economic development.</p>\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/maya-durvasula-7aaa9179/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" offset=\"vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1494240671749{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"priyanka\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/priyanka.png\" alt=\"priyanka\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"priyanka\"> PRIYANKA ROYCHOUDHURY </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494240448187{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Priyanka is currently pursuing MSc Economics from London School of Economics and Political Science. Prior to joining LSE.</p>\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/priyanka-roychoudhury-15aa843b/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" offset=\"vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1494334037374{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"abhinav\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/Abhinav-Verma.png\" alt=\"abhinav\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"abhinav\"> ABHINAV VERMA </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494334178467{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Abhinav is interested in social entrepreneurship and the potential of markets to promote economic development. He is a second-year undergrad studying Economics and Finance at Ashoka University.</p>\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/abhinav-verma-b2b74a10b/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"]\n<div id=\"jennifer\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">JENNIFER SUNG</h2>\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"jennifer\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nJennifer started her career as a Healthcare Investment Banker with Deutsche Bank. After working across a spectrum of transactions in M&amp;A and Equity markets across EMEA, she took up a Client Strategy role with the Global Capital Markets and Treasury Solutions team.\n\nAfter 3 years with Deutsche bank, Jennifer joined an early stage Fintech start-up Lendingkart as a Senior Manager in their Strategic Initiatives team. She was briefly the Chief of staff and was further promoted to AVP – Capital Markets responsible for raising debt capital and management of investor/external stakeholder relationships for the firm.\n\nJennifer graduated with an honours degree from Shri Ram College of Commerce and is an MBA candidate at INSEAD. In her free time, she likes to travel, recreate gourmet meals in her kitchen, and curl up with a good book.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"siddharth\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">SIDDHARTH DHANKHAR</h2>\n<h3 class=\"pteam-member-position\">PROGRAM ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"siddharth\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nSiddharth has a dual degree from BITS Pilani with bachelor\'s degree in electronics engineering and a master\'s degree in economics. He\'s previously interned at Morgan Stanley, KPMG, among other companies.\n\nPrior to joining Catalyst, he spent about two years at Snapdeal working on partnerships &amp; strategic initiative projects.\n\nIn his spare time, he can be found debating, planning detailed vacation itineraries and outdoors. He has spent a summer working in financial crime investigation with Gurgaon Police.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"anand\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">ANAND RAMAN</h2>\n<h3 class=\"pteam-member-position\">TECHNICAL ADVISOR</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"anand\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nAnand enjoys learning and has moved between sectors and domain in his professional life -- from IT to telecom to television and lastly financial services. He has written code, managed projects, delivered products, sold and marketed them with stints at companies including Tech Mahindra, Idea Cellular, Star TV, Eko and IDmission Solutions. He wants to remain curious and in hopefully bring some change. He has interests in diverse and often utterly unrelated subjects.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"sowmya\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">SOWMYA NANJUNDAIAH</h2>\n<h3 class=\"pteam-member-position\">MARKETING, INCITE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sowmya\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nSince 2010, Sowmya has driven INCITE’s growth from a small startup into a full-service interactive agency operating out of the U.S., Europe and India. Earlier, she was responsible for corporate fund raising for the United Way in Massachusetts, helping America’s largest non-profit organization raise funds for outreach programs. On her return to India, Sowmya was part of the founding team of Nirvana, a Bengaluru-based BPO that services global clients. Here she defined the strategic vision and built key parts of the organization including product development and sales. As Head of the New York office, she was responsible for Nirvana’s expansion into the North American market. Sowmya then returned to India to co-found a successful wine company, Naka Wines. As CEO of Naka Wines, she was responsible for launching the brand across Karnataka and the USA.\n\nSowmya has an MBA from the prestigious University of Massachusetts.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"abhinav\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">ABHINAV VERMA</h2>\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"abhinav\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nAbhinav is a second-year undergrad pursuing a B.Sc. (Hons.) in Economics and Finance from Ashoka University. He is interested in social entrepreneurship and the potential of markets to promote economic development. His academic interests lie in financial inclusion and impact investing. Last winter, he organised a panel discussion at the Harvard-US India Conference to discuss the role of financial inclusion in Indian rural development.\n\nAbhinav is a budding entrepreneur. He started a e-commerce company to represent local manufacturers on e-commerce portals. On campus, he also started a food-delivery business. To relax, he enjoys swimming, photography, writing for his university’s newspaper, and trying new kinds of cuisine.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"priyanka\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">PRIYANKA ROYCHOUDHURY</h2>\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"priyanka\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nPriyanka worked with Centre for Policy Research in New Delhi in their project –Accountability Initiative- where she worked in the areas of public finance and public administration. As a Research Associate, she handled both quantitative and qualitative analytical work as well as worked on ground to implement PETS for the project.\n\nPriyanka holds a B.A. (Hons) Economics degree from Lady Shri Ram college for women and a PGD in Liberal Arts from Ashoka University. Apart from nurturing a career goal to step into policy work using her academic qualifications professionally, she continues to juggle her passion for community work through her community initiative- The WordsWorth Project- which engages youth volunteers to assist underprivileged kids with their English language development. She often uses the rest of her time to give life to her thoughts through blogging and doodling.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"maya\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">MAYA DURVASULA</h2>\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"maya\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nMaya combines academic interests in economic development and poverty alleviation with a wide array of experiences in research and multi-sectoral policy development &amp; implementation. Most recently, she co-led two nationwide behavioral economics experiments on HIV test uptake with a public health and social entrepreneurship laboratory in Guangzhou, China. She is interested in the ways in which microeconomic theory and behavioral insights can be used to design informal and formal social programs and institutions.\n\nMaya studies economics and mathematics as a Robertson Scholar at Duke University and will graduate in May 2018. She was named a 2017 United States Truman Scholar. In her free time, she can usually be found wandering through mountains and canyons in the American Southwest.\n\n</div>\n</div>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/6\"][vc_custom_heading text=\"SUMMER PROGRAM (BATCH OF 2018)\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23d11e3c|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\n<p style=\"text-align: center;\">Every year, we select a few passionately driven individuals with unique skills and interests that complement our current priorities.</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" el_class=\"pmember-container\"][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1528191247772{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"adiraju\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/06/bharadwaj_adiraju.png\" alt=\"adiraju\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"adiraju\"> BHARADWAJ ADIRAJU</a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1528186523821{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Bharadwaj is pursuing an M.A. in Economics from the University of Hyderabad. Driven by his desire to solve socio-economic injustices, he was part of a team that conducted a study on the reasons for the drop-out of differently-abled students from Delhi University. </span></p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1528187251568{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"katyal\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/06/raghav_katyal.png\" alt=\"katyal\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"katyal\"> RAGHAV KATYAL </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494239528364{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Raghav studies Political Science and Economics at Ashoka University. He believes policy enables markets to drive socio-economic development.</span></p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1528191661212{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"khanna\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/06/samrudhi_khanna.png\" alt=\"khanna\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"khanna\">SAMRUDHI KHANNA </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494240448187{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">With an undergraduate degree in financial markets and over two years of experience in investment banking research, Samrudhi has now decided to dive into a more impactful role within the space.</span></p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1528191710557{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"srinivasan\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/06/nithya.png\" alt=\"srinivasan\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"srinivasan\"> NITHYA SRINIVASAN</a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494334178467{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Nithya recently graduated in Economics from Miranda House, University of Delhi and is passionate about international development and economic research.</span></p>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" el_class=\"pmember-container\"][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1528192317705{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"swallow\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/06/myla_swallow.png\" alt=\"swallow\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"swallow\"> MYLA SWALLOW\n</a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1528186523821{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Myla is interested in the intersection of normative philosophy and the realities of global economic development.</span></p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1528208150929{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"anupama\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/06/photos06.png\" alt=\"anupama\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"anupama\"> ANUPAMA MENON</a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494239528364{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Anupama is an undergraduate student of Electronics and Communication Engineering at the National Institute of Technology, Trichy, and was named a Cargill Global Scholar in 2017.</span></p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" offset=\"vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1545303910648{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"anupama\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/12/Kanika-1.png\" alt=\"Kanika\" /></a>\n\n</div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"anupama\">KANIKA</a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494239528364{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Kanika is a seasoned communications expert and a story teller with 16 years of experience. She believes that a strong communications campaign can act as a catalyst in bringing about desired change. It can either make or break.</span></p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"image\" bg_color=\"#ffffff\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" visibility=\"visible-xs,visible-sm,visible-md,visible-lg,visible-xlg\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"]\n<div id=\"adiraju\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">BHARADWAJ ADIRAJU</h2>\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"adiraju\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">Bharadwaj is pursuing an M.A. in Economics from the University of Hyderabad. Driven by his desire to solve socio-economic injustices, he was part of a team that conducted a study on the reasons for the drop-out of differently-abled students from Delhi University. He intends to combine his interests in teaching and economics to pursue a career in teaching Currently, he is interested in investigating benefits of financial inclusion at the grass-roots and its impact on macroeconomic policies and indicators. In his free time, he enjoys relaxing and plays the Carnatic Classical violin and lawn tennis.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"anand\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">ANAND RAMAN</h2>\n<h3 class=\"pteam-member-position\">TECHNICAL ADVISOR</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"anand\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nAnand enjoys learning and has moved between sectors and domain in his professional life -- from IT to telecom to television and lastly financial services. He has written code, managed projects, delivered products, sold and marketed them with stints at companies including Tech Mahindra, Idea Cellular, Star TV, Eko and IDmission Solutions. He wants to remain curious and in hopefully bring some change. He has interests in diverse and often utterly unrelated subjects.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"sowmya\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">SOWMYA NANJUNDAIAH</h2>\n<h3 class=\"pteam-member-position\">MARKETING, INCITE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sowmya\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nSince 2010, Sowmya has driven INCITE’s growth from a small startup into a full-service interactive agency operating out of the U.S., Europe and India. Earlier, she was responsible for corporate fund raising for the United Way in Massachusetts, helping America’s largest non-profit organization raise funds for outreach programs. On her return to India, Sowmya was part of the founding team of Nirvana, a Bengaluru-based BPO that services global clients. Here she defined the strategic vision and built key parts of the organization including product development and sales. As Head of the New York office, she was responsible for Nirvana’s expansion into the North American market. Sowmya then returned to India to co-found a successful wine company, Naka Wines. As CEO of Naka Wines, she was responsible for launching the brand across Karnataka and the USA.\n\nSowmya has an MBA from the prestigious University of Massachusetts.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"abhinav\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">ABHINAV VERMA</h2>\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"abhinav\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nAbhinav is a second-year undergrad pursuing a B.Sc. (Hons.) in Economics and Finance from Ashoka University. He is interested in social entrepreneurship and the potential of markets to promote economic development. His academic interests lie in financial inclusion and impact investing. Last winter, he organised a panel discussion at the Harvard-US India Conference to discuss the role of financial inclusion in Indian rural development.\n\nAbhinav is a budding entrepreneur. He started a e-commerce company to represent local manufacturers on e-commerce portals. On campus, he also started a food-delivery business. To relax, he enjoys swimming, photography, writing for his university’s newspaper, and trying new kinds of cuisine.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"priyanka\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">PRIYANKA ROYCHOUDHURY</h2>\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"priyanka\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nPriyanka worked with Centre for Policy Research in New Delhi in their project –Accountability Initiative- where she worked in the areas of public finance and public administration. As a Research Associate, she handled both quantitative and qualitative analytical work as well as worked on ground to implement PETS for the project.\n\nPriyanka holds a B.A. (Hons) Economics degree from Lady Shri Ram college for women and a PGD in Liberal Arts from Ashoka University. Apart from nurturing a career goal to step into policy work using her academic qualifications professionally, she continues to juggle her passion for community work through her community initiative- The WordsWorth Project- which engages youth volunteers to assist underprivileged kids with their English language development. She often uses the rest of her time to give life to her thoughts through blogging and doodling.\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"maya\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">MAYA DURVASULA</h2>\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"maya\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nMaya combines academic interests in economic development and poverty alleviation with a wide array of experiences in research and multi-sectoral policy development &amp; implementation. Most recently, she co-led two nationwide behavioral economics experiments on HIV test uptake with a public health and social entrepreneurship laboratory in Guangzhou, China. She is interested in the ways in which microeconomic theory and behavioral insights can be used to design informal and formal social programs and institutions.\n\nMaya studies economics and mathematics as a Robertson Scholar at Duke University and will graduate in May 2018. She was named a 2017 United States Truman Scholar. In her free time, she can usually be found wandering through mountains and canyons in the American Southwest.\n\n</div>\n</div>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#ffffff\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" bg_image=\"7841\"][vc_column][vc_row_inner css=\".vc_custom_1483453346740{margin-bottom: 30px !important;}\"][vc_column_inner][vc_custom_heading text=\"ADVISORS\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23d11e3c|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24 ptitle-border-red\"]Catalyst\'s advisors being deep sector expertise and thought leadership to guide our strategy and implementation.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1483514478888{margin-bottom: 30px !important;}\"][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"ALLEN WEINBERG\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1486445347167{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fwww.linkedin.com%2Fin%2Fallen-weinberg-0155%3Ftrk%3Dprof-samename-name||target:%20_blank|\"][vc_custom_heading text=\"Partner/Co-Founder\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487851713182{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"Glenbrook Partners\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1486444189952{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"LEORA KLAPPER\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1498630768489{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fwww.linkedin.com%2Fin%2Fleora-klapper-24105478||target:%20_blank|\"][vc_custom_heading text=\"Lead Economist\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1498630865051{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"World Bank\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1498630903695{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"NITIN MANTRI\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488797685329{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fwww.linkedin.com%2Fmessaging%2Fthread%2F6242557045191606272%2F||target:%20_blank|\"][vc_custom_heading text=\"CEO\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488797709804{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"Avian Media\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488797719470{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"PAWAN BAKHSHI\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1498735370480{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fwww.linkedin.com%2Fin%2Fpawan-bakhshi-ph-d-7461411%2F||target:%20_blank|\"][vc_custom_heading text=\"India Lead - Financial Services for the Poor\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488797833022{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"Bill &amp; Melinda Gates Foundation\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488797847586{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1486444525955{margin-bottom: 30px !important;}\"][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"PRAVEEN KHANDELWAL\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1486445418505{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fin.linkedin.com%2Fin%2Fpraveen-khandelwal-95b68614||target:%20_blank|\"][vc_custom_heading text=\"Secretary-General\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487851739567{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"Confederation of All India Traders\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1486444491047{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"RAJESH BANSAL\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1486445506996{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fwww.linkedin.com%2Fin%2Frajesh-bansal-b81b8655||target:%20_blank|\"][vc_custom_heading text=\"Senior Partner\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487851763311{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\" Bankable Frontier Associates\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487852170655{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"RENANA JHABVALA\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487851646864{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"National Coordinator\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487851685527{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"SEWA Bank\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487851730358{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"SMITA AGGARWAL\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488797535842{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fwww.linkedin.com%2Fin%2Fsmitaaggarwal0%2F||target:%20_blank|\"][vc_custom_heading text=\"Director - Investments\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488805228673{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"Omidyar Networks\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488805290165{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1486444525955{margin-bottom: 30px !important;}\"][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"VARAD PANDE\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485524261697{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fin.linkedin.com%2Fin%2Fvarad-pande||target:%20_blank|\"][vc_custom_heading text=\"Financial Inclusion Partner\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487851790538{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"Dalberg Social Advisors\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:26px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1486448801652{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"VIVEK WADHWA\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1497429263011{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fwww.linkedin.com%2Fin%2Fvwadhwa%2F||target:%20_blank|\"][vc_custom_heading text=\"Distinguished Fellow\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1497432554753{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"Carnegie Mellon University\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:26px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1497432533660{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#ffffff\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" bg_image=\"7841\"][vc_column][vc_row_inner disable_element=\"yes\" css=\".vc_custom_1507546027858{margin-bottom: 30px !important;}\" el_class=\"phide\"][vc_column_inner][vc_custom_heading text=\"STEERING COMMITTEE\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23d11e3c|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488897245055{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24 ptitle-border-red\"]Catalyst\'s Steering Committee represents current donors and IFMR to provide governance and oversight.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner disable_element=\"yes\" css=\".vc_custom_1507546058003{margin-bottom: 30px !important;}\" el_class=\"phide\"][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"CATHERINE HIGHET\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485524574339{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fwww.linkedin.com%2Fin%2Fcatherine-highet-a924094||target:%20_blank|\"][vc_custom_heading text=\"Technical Advisor\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485524589333{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"mSTAR at FHI 360\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487851957847{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"MATTHEW HOMER\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485524352186{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fwww.linkedin.com%2Fin%2Fmatthomer||target:%20_blank|\"][vc_custom_heading text=\"Senior Policy Advisor, Digital Finance\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" 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font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1486124189989{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fin.linkedin.com%2Fin%2Fmukeshsadana||target:%20_blank|\"][vc_custom_heading text=\"Project Management Specialist\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485524452125{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"USAID (New Delhi)\" 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css=\".vc_custom_1549455214976{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\n<p style=\"text-align: center;\">[footer_copy]</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]', 'People', '', 'inherit', 'closed', 'closed', '', '8130-autosave-v1', '', '', '2019-03-11 13:22:18', '2019-03-11 13:22:18', '', 8130, 'https://cashlesscatalyst.org/media/8130-autosave-v1/', 0, 'revision', '', 0);
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(40617, 0, '2019-03-12 04:48:53', '2019-03-12 04:48:53', 'A new comment on the post \"Digitizing an urban slum in Jaipur:  Hunting for mobile network to go digital\" is waiting for your approval\r\nhttps://cashlesscatalyst.org/catalyst-blog/hunting-mobile-network-go-digital/\r\n\r\nAuthor: ecixanatuvo (IP: 62.210.177.44, 62-210-177-44.rev.poneytelecom.eu)\r\nEmail: amajisi@fastermand.com\r\nURL: http://theprettyguineapig.com/amoxicillin/\r\nComment: \r\n[url=http://theprettyguineapig.com/amoxicillin/]18[/url] <a href=\"http://theprettyguineapig.com/amoxicillin/\" rel=\"nofollow\">Buy Amoxicillin Online</a> http://theprettyguineapig.com/amoxicillin/\r\n\r\nApprove it: https://cashlesscatalyst.org/wp-admin/comment.php?action=approve&amp;c=12068#wpbody-content\r\nTrash it: https://cashlesscatalyst.org/wp-admin/comment.php?action=trash&amp;c=12068#wpbody-content\r\nSpam it: https://cashlesscatalyst.org/wp-admin/comment.php?action=spam&amp;c=12068#wpbody-content\r\nCurrently 129 comments are waiting for approval. Please visit the moderation panel:\r\nhttps://cashlesscatalyst.org/wp-admin/edit-comments.php?comment_status=moderated#wpbody-content\r\n', '[Catalyst] Please moderate: \"Digitizing an urban slum in Jaipur:  Hunting for mobile network to go digital\"', 'Bad Request(invalid_grant)', 'private', 'closed', 'closed', '', 'catalyst-please-moderate-digitizing-an-urban-slum-in-jaipur-hunting-for-mobile-network-to-go-digital-6', '', '', '2019-03-12 04:48:53', '2019-03-12 04:48:53', '', 0, 'https://cashlesscatalyst.org/postman_sent_mail/catalyst-please-moderate-digitizing-an-urban-slum-in-jaipur-hunting-for-mobile-network-to-go-digital-6/', 0, 'postman_sent_mail', '', 0),
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(41007, 0, '2019-03-20 08:39:09', '2019-03-20 08:39:09', 'A new comment on the post \"The view from 10 months in..\" is waiting for your approval\r\nhttps://cashlesscatalyst.org/catalyst-blog/view-10-months-in/\r\n\r\nAuthor: StacyHurge (IP: 31.184.238.9, 31.184.238.9)\r\nEmail: stacypubre@topazpro.xyz\r\nURL: http://zasovglazokzavesa.icu\r\nComment: \r\nработа установка входных дверей \r\nслесарь сборщик металлических дверей \r\nhttp://dveri-zamok-dom.icu \r\nпвх ручки для дверей \r\nраздвижные пластиковые двери \r\nhttp://door-roomhome.icu \r\nкупить металлическую дверь магна \r\nзаказать межкомнатные двери в логойске \r\nhttp://glazokzavesazasov.icu \r\nжелезные двери отзывы \r\nдвери межкомнатные дорс экошпон \r\nhttp://dverizamokdom.icu \r\nгарнитура для балконных дверей \r\nмежкомнатные двери горки \r\nhttp://room-homedoor.icu\r\n\r\nApprove it: https://cashlesscatalyst.org/wp-admin/comment.php?action=approve&amp;c=12075#wpbody-content\r\nTrash it: https://cashlesscatalyst.org/wp-admin/comment.php?action=trash&amp;c=12075#wpbody-content\r\nSpam it: https://cashlesscatalyst.org/wp-admin/comment.php?action=spam&amp;c=12075#wpbody-content\r\nCurrently 136 comments are waiting for approval. Please visit the moderation panel:\r\nhttps://cashlesscatalyst.org/wp-admin/edit-comments.php?comment_status=moderated#wpbody-content\r\n', '[Catalyst] Please moderate: \"The view from 10 months in..\"', 'Bad Request(invalid_grant)', 'private', 'closed', 'closed', '', 'catalyst-please-moderate-the-view-from-10-months-in-69', '', '', '2019-03-20 08:39:09', '2019-03-20 08:39:09', '', 0, 'https://cashlesscatalyst.org/postman_sent_mail/catalyst-please-moderate-the-view-from-10-months-in-69/', 0, 'postman_sent_mail', '', 0),
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(39854, 20, '2018-12-31 12:33:43', '2018-12-31 12:33:43', '[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=\"Playbook\" font_container=\"tag:h3|font_size:22px|text_align:left|color:%23d11e3c|line_height:30px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1544941975604{margin-left: -15px !important;padding-left: 0px !important;}\" el_class=\"tsubpage-title\"][vc_row_inner equal_height=\"yes\" gap=\"30\" el_class=\"lnContainer\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1544178772383{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"39593\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2018/12/CC-playbook.pdf\" css=\".vc_custom_1544942127450{margin-bottom: 14px !important;padding-left: 0px !important;}\"][vc_custom_heading text=\"Reaching the last mile: Customer centricity for fintechs\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23161615|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1544942320448{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2018%2F12%2FCC-playbook.pdf||target:%20_blank|\"][vc_custom_heading text=\"<strong>Authors: </strong>\r\nJayshree Venkatesan, Varinder Gambhir,\r\nSunanda Singhal and Myla Swallow\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1544942223287{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"December, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1544178072680{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"30\"][vc_column][vc_custom_heading text=\"Studies\" font_container=\"tag:h3|font_size:22px|text_align:left|color:%23d11e3c|line_height:30px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" el_class=\"tsubpage-title\" css=\".vc_custom_1540574080475{margin-left: -15px !important;}\"][vc_row_inner equal_height=\"yes\" gap=\"30\" el_class=\"lnContainer\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1538151517318{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"27343\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2018/09/Bhatta-Basti-Report.pdf\" css=\".vc_custom_1538143384753{margin-bottom: 14px !important;}\"][vc_custom_heading text=\"Limitless Opportunities, Limiting Constraints: Livelihoods, Money Management Patterns, and Digital Readiness of\r\nLow-income Households in an Urban Slum Area\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23161615|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1538551365924{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2018%2F09%2FBhatta-Basti-Report.pdf||target:%20_blank|\"][vc_custom_heading text=\"September, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1538143685902{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1538412153615{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"27417\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2018/10/catalyst_ethnography_report.pdf\" css=\".vc_custom_1538578800401{margin-bottom: 14px !important;}\"][vc_custom_heading text=\"Is Cash the King or do Digital Payment Solutions Lack Adequate Engagement of Potential Users?\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23161615|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1538578812913{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2018%2F10%2Fcatalyst_ethnography_report.pdf||target:%20_blank|\"][vc_custom_heading text=\"<strong>Principal Investigators:</strong>\r\nShilpa Pandit\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1538548167470{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"<strong>Researchers:</strong>\r\nPreethi Kannan, Ankur Gautam, Vedika Inamdar, Praveen\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1538151959106{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"<strong>Technical Writer: </strong>\r\nDeepti Kc\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1538584498785{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"September, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1538143685902{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1527153512391{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"14385\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2018/07/Price-Report-Short-20-June-edited-min.pdf\" css=\".vc_custom_1532461737551{margin-bottom: 14px !important;}\"][vc_custom_heading text=\"Mapping the Merchant\'s Mind\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23161615|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1538548045935{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2018%2F07%2FPrice-Report-Short-20-June-edited-min.pdf|||\"][vc_custom_heading text=\"<strong>Principal Investigators:</strong>\r\nBadal Malick and Rajesh Shukla\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1538548187119{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"<strong>Co-investigators:</strong>\r\nMegha Shree and Vaisnavi Gnanasekaran\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1538548198166{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"May, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1527153280067{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1521590392480{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"12922\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2018/07/Building-Hooks-and-Ladders-Book.pdf\" css=\".vc_custom_1532461446263{margin-bottom: 14px !important;}\"][vc_custom_heading text=\"Building Hooks and Ladders:\r\nA Case for Integrating Digital Payments and Lending to Small Merchants\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23161615|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1538548093287{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2018%2F07%2FBuilding-Hooks-and-Ladders-Book.pdf|||\"][vc_custom_heading text=\"<strong>Investigators:</strong>\r\nJohn Arun, Ankur Gautam, IFMR LEAD\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1532461477104{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"March, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1523016048110{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"30\"][vc_column][vc_custom_heading text=\"Technical reports\" font_container=\"tag:h3|font_size:22px|text_align:left|color:%23d11e3c|line_height:30px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1540570135167{margin-left: -15px !important;padding-left: 0px !important;}\" el_class=\"tsubpage-title\"][vc_row_inner equal_height=\"yes\" gap=\"30\" el_class=\"lnContainer\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1546259314686{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"39852\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2018/12/Technical-Report.pdf\" css=\".vc_custom_1546259539215{margin-bottom: 14px !important;padding-left: 0px !important;}\"][vc_custom_heading text=\"Catalyst\'s Incubator Program\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23161615|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1546259554759{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2018%2F12%2FTechnical-Report.pdf||target:%20_blank|\"][vc_custom_heading text=\"<strong>Technical Writer: </strong>\r\nGaurav Singhal, Kanika Joshi, Raghu Raman,\r\nJohn Victor Arun Kumar\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1546259101151{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"December, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1544178072680{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1544178772383{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"39548\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2018/12/FMCG_Technical.pdf\" css=\".vc_custom_1544178610734{margin-bottom: 14px !important;padding-left: 0px !important;}\"][vc_custom_heading text=\"Driving uptake of digital payments down the supply chain\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23161615|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1544178754079{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2018%2F12%2FFMCG_Technical.pdf||target:%20_blank|\"][vc_custom_heading text=\"<strong>Technical Writer: </strong>\r\nPreethi Rao and Gaurav Singhal\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1544178412203{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"December, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1544178072680{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1541407673371{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"38883\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2018/11/technical-reports-v4.pdf\" css=\".vc_custom_1541401532113{margin-bottom: 14px !important;padding-left: 0px !important;}\"][vc_custom_heading text=\"Testing the Efficacy of Digital Payment Solutions for Subscription-based Distributor Collections: Learnings from a Pilot on Digitizing Newspaper Bill Payments\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23161615|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1541412132179{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2018%2F10%2FSmall-Merchant-Report.pdf||target:%20_blank|\"][vc_custom_heading text=\"<strong>Technical Writer: </strong>\r\nPreethi Rao and Gaurav Singhal\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1541401270934{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"November, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1541401413805{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1541408026593{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"36391\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2018/11/Small_Merchant_Report.pdf\" css=\".vc_custom_1541768777632{margin-bottom: 14px !important;padding-left: 0px !important;}\"][vc_custom_heading text=\"Accelerating Digital Payment Acceptance and Usage by Small Merchants: Testing the Usability of Digital Payments Solutions in a Market Cluster in Jaipur\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23161615|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1541768823569{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2018%2F11%2FSmall_Merchant_Report.pdf||target:%20_blank|\"][vc_custom_heading text=\"<strong>Technical Writer: </strong>\r\nPreethi Rao and Sunanda Singhal\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1540569563533{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"October, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1540569176758{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"9937\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1526060622063{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\r\n<p style=\"text-align: center;\">CATALYST is an initiative funded by USAID under the mSTAR Program, through funding provided to FHI 360. Housed within IFMR LEAD, the initiative aims to expand digital payments and financial inclusion in India, especially for small merchants and low-income consumers.</p>\r\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\r\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\r\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'Studies & Reports', '', 'inherit', 'closed', 'closed', '', '12168-revision-v1', '', '', '2018-12-31 12:33:43', '2018-12-31 12:33:43', '', 12168, 'https://cashlesscatalyst.org/media/12168-revision-v1/', 0, 'revision', '', 0),
(32279, 12, '2018-10-11 21:02:02', '2018-10-11 21:02:02', '', 'urbanjpg', '', 'inherit', 'closed', 'closed', '', 'urbanjpg-2', '', '', '2018-10-11 21:02:30', '2018-10-11 21:02:30', '', 0, 'https://cashlesscatalyst.org/wp-content/uploads/2018/10/urbanjpg-1.jpg', 0, 'attachment', 'image/jpeg', 0),
(39904, 12, '2019-01-04 13:26:01', '2019-01-04 13:26:01', '[vc_row content_placement=\"top\" padding_top=\"0\" padding_bottom=\"0\"][vc_column][vc_row_inner content_placement=\"top\"][vc_column_inner][vc_single_image image=\"39899\" img_size=\"full\" alignment=\"center\" full_width=\"yes\" animation=\"animate-when-almost-visible\" css_animation=\"left-to-right\" css=\".vc_custom_1546588717200{margin-bottom: 0px !important;padding-bottom: 10px !important;}\"][vc_custom_heading text=\"Stephen Rasmussen\" font_container=\"tag:h2|font_size:20px|text_align:center|color:%23d01f3c|line_height:26px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1546585828008{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#555555\" font_size=\"16px\" letter_spacing=\"\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" el_class=\"lh22\" css=\".vc_custom_1546608486978{margin-top: -10px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"]<p style=\"text-align: center;\"><em> Head - Inclusive Market, CGPA</em></p>\r\n[/vc_column_text][vc_empty_space height=\"20px\"][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#555555\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1546608441956{margin-top: 0px !important;padding-top: 0px !important;}\"]\r\n<div class=\"pred\"><strong>1) Broadly, how do you see the India digital financial inclusion story as unique from a global standpoint? What are the hits and what are the misses? </strong></div>\r\nAccording to Global FinDex, India improved financial inclusion from 53% of adults having accounts in 2014 to 80% having accounts in 2017. That is a very impressive achievement. Much of that improvement came about because of PMJDY, which depended a lot on state-owned banks meeting Government targets. At the same time, however, the emergence of the India stack was an important factor with respect to enabling people to open accounts and making those accounts accessible digitally, and thus more useful to people. The India stack is a unique achievement, one that many other countries are interested to emulate. India also has a large and rapidly growing ecosystem of innovative fintech businesses; entrepreneurs who want to and can do new things as well as investors willing to back them.\r\n\r\nUsage of accounts is low and there are significant disparities between people: poor / better off, rural / urban, younger / older. Including marginalized people and building the system out to reach the last mile are challenges India still needs to solve.\r\n\r\n&nbsp;\r\n<div class=\"pred\"><strong>2) Much has been done in terms of concerted policy shifts and public infrastructure development to drive a digital ecosystem. But traction is still not where it should be. As an example, India has doubled the number of bank accounts but leads the world in terms of account dormancy. If there is one area where the Government should direct its efforts going forward, what is it?</strong></div>\r\nIndia has long relied on the Government doing things itself, often using state-owned banks to implement its financial inclusion goals. To take things to the next level, I think the one thing the Government can do that will make the most difference is to shift its approach in ways that enable and incentivize the private sector to advance the cause of financial inclusion. This kind of shift could manifest itself in a number of ways: regulating the payments system in a way that makes non-banks full partners and creates more space for them; passing legislation that restores the use of Aadhar to open accounts and authenticate transactions; passing data privacy legislation that protects peoples’ interests but still allows for innovation; opening up full participation in NPCI to non-banks and innovative financial service providers; and creating an open banking system such as the one Europe now has.\r\n\r\n&nbsp;\r\n<div class=\"pred\"><strong>3) Specifically, when it comes to routine, mass payment use cases, typically in informal and semi informal sectors, displacing cash with digital has been an enormous challenge. Acceptance by small, offline businesses remains woefully low. What do you think are some effective new strategies that can be employed here? Are there specific examples you can cite that have worked in other geographies?</strong></div>\r\nThis is a global challenge, not just an Indian challenge. Most countries struggle with this, and cash transactions are predominant in most countries. Among wealthier countries, Sweden has gone the furthest towards reducing the use of cash. China has also made a lot of progress, though more so in cities. The change in China came from adding digital payment capabilities to existing mass market use cases such as Alibaba’s mass market online retail business or WhatsApp’s gaming and chat environment. Like many other countries, India has done things the other way around by first building digital payments services that are now looking for use cases. There are no easy answers or magical solutions for this challenge. Financial service providers will have to chip away at it. Things that could help might include focusing more on what people want and improving their user experience; digitizing bulk payments in the Government as well as private sectors; and banks opening up their APIs to allow access for smaller service providers. And the introduction of GST has already begun to change how small businesses operate.\r\n\r\n&nbsp;\r\n<div class=\"pred\"><strong>4) The fintech sector has seen significant entrepreneurial activity initially around payments and lending, but now increasingly around wealth management and insurance. However, inclusive business models have been challenging and elusive, especially when it comes to building a base of paying, active customers. What advice would you have for entrepreneurs looking to enter this field? What should they focus on?</strong></div>\r\nIt is difficult for me to offer advice. I already see a lot of innovative entrepreneurs making things happen in India. This is a good time for entrepreneurs to get involved. And India has a growing number of angel investors and venture capital funds, local and international, that entrepreneurs can tap into. One thing entrepreneurs would do well to keep in mind is that it can take longer than they often think to make a fintech business cash flow positive. They need to be committed to staying the course and they need to have enough funding to do so. They also should think about what success might look like for them. The microfinance model where MFIs own everything from the customer to the balance sheet, and founders want to keep control of \'their\' institution, requiring them to keep on raising more and more capital, might not be the best way for all fintechs to succeed. Partnerships are important, and many fintechs may succeed by merging into a larger financial service provider.\r\n\r\n&nbsp;\r\n<div class=\"pred\"><strong>5) There has been an increase in collaboration models between fintechs active in this space and large financial service providers, especially banks. However, large institutions often still dominate these relationships, which potentially limits the scale and speed of innovation. What types of cross-industry collaboration models should India consider for greater impact? Are there specific enablers that are needed for these to emerge?</strong></div>\r\nLike everywhere else, the trend in India is towards disaggregation of financial services provision. Banks have dominated for a long time, but that is changing. Specialized business-to-customer and business-to-business fintechs are growing rapidly. Open banking has been introduced in several Western countries, requiring banks to change and open their platforms to allow fintechs to integrate and offer services. Globally, regulators are recognizing the importance of fintechs and introducing regulations to suit them. Payments infrastructure like that offered by NPCI is being opened up to allow non-banks to be shareholders and primary members, instead of having to create bank partnerships to gain access. While there is evidence that much of this is beginning to happen in India, many of the old ways that favor large banks are still in place. Change is inevitable and is taking place at an ever-accelerating pace, so embracing new ways of doing things has become a necessity.\r\n\r\n&nbsp;\r\n<div class=\"pred\"><strong>6) India still has 50% dormant bank accounts, 50% without smartphones, about 900M without access to the internet, and three quarters of the population without basic financial literacy. Given where we stand and emerging trends you see, what\'s your prognosis of digital financial inclusion landscape in India over the next 5-10 year horizon? And why?</strong></div>\r\nThe numbers look low right now. But keep in mind how much progress India has made in recent years. These same numbers make me optimistic when I consider trends over the past few years and the pace at which change is happening. I think there is a good basis to project that by 2020 account dormancy will be much lower than 50%, the percentage of people with smart phones and data plans will be much higher than 50%, and many more people will have access to the internet. India has already invested in ways that will make this happen, and it continues to invest. And I predict the regulatory environment will make progress in the direction of enabling more space for the private sector and for innovation.\r\n\r\nOf course, there is a long way to go. India is a very big country with lots of diversity and big gaps between those who are included and those who are still excluded. Specific efforts must be made to close those gaps, and even then, exclusion will not disappear entirely, at least in the short term. But I think that focusing on suitability of financial services, offering products that fit peoples’ needs and improving user experience in ways that make usage more intuitive and build trust, will lead to more meaningful financial inclusion for most people.\r\n\r\n&nbsp;\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]', 'Interview with Stephen Rasmussen, Head - Inclusive Market, CGPA', '', 'inherit', 'closed', 'closed', '', '39883-revision-v1', '', '', '2019-01-04 13:26:01', '2019-01-04 13:26:01', '', 39883, 'https://cashlesscatalyst.org/media/39883-revision-v1/', 0, 'revision', '', 0);
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(39831, 12, '2019-03-12 12:52:53', '2019-03-12 12:52:53', '[vc_row content_placement=\"middle\" inner_container=\"no\" type=\"image\" bg_position_horizontal=\"center\" padding_top=\"96\" padding_bottom=\"96\" bg_image=\"12155\"][vc_column][vc_row_inner][vc_column_inner][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_repeat=\"repeat\" bg_attachment=\"true\" enable_parallax=\"false\" padding_bottom=\"0\" bg_image=\"10448\"][vc_column][vc_wp_custommenu nav_menu=\"63\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"image\" bg_color=\"#ffffff\" bg_repeat=\"repeat\" bg_attachment=\"true\" enable_parallax=\"false\" padding_top=\"30\" bg_image=\"10448\"][vc_column][vc_row_inner equal_height=\"yes\" gap=\"30\" el_class=\"lnContainer\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1519195482884{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"40188\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2019/01/ecosystem-map_revised.pdf\"][vc_custom_heading text=\"Micro-merchant Ecosystem for Low Income Communities\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2019%2F01%2FEcosystem-Map.pdf|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1547813692862{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"January, 2019\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1547728753761{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1519195345948{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"40187\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/implementing-innovation-ecosystem-learning-solving-approach/\"][vc_custom_heading text=\"Implementing Innovation Through An Ecosystem “Learning And Solving by Doing” Approach\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fimplementing-innovation-ecosystem-learning-solving-approach%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1548743894265{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical Writers : Gaurav Singhal and Sharon Buteau\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1547813554348{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"January, 2019\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1547728753761{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1519195533112{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"40121\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2019/01/DFC-Learning-note.pdf\"][vc_custom_heading text=\"Using behavioral insights to improve digital financial capability (DFC) of customers\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2019%2F01%2FDFC-Learning-note.pdf|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1547734936845{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical Writers : Varinder Kaur Gambhir, Sunil Gurubhagwatla, Siddharth Dhankar, Nithya Srinivasan\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1547744180750{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"January, 2019\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1547728753761{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1519195448838{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"40108\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/markers-trust-recreating-digital-ecosystems-women-low-income-clusters/\"][vc_custom_heading text=\"Markers of Trust: Recreating Digital Ecosystems for Women in Low-Income Clusters\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fmarkers-trust-recreating-digital-ecosystems-women-low-income-clusters%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1547728692611{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writers: Shilpa Pandit\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1547728730882{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"January, 2019\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1547728753761{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" gap=\"30\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1523434485038{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"40111\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2019/01/Learnin-by-doing-Learning-Note.pdf\"][vc_custom_heading text=\"Implementing Innovation Through An Ecosystem ``Learning and Solving by Doing`` Approach\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2019%2F01%2FLearnin-by-doing-Learning-Note.pdf|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1547729102121{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writers: Gaurav Singhal and Sharon Buteau\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1547729123032{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"January, 2019\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1547729136442{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1519195482884{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"40042\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/using-comic-books-increase-digital-financial-capabilities-low-income-clusters/\"][vc_custom_heading text=\"Using Comic Books to Increase Digital Financial Capabilities in Low-Income Clusters\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fusing-comic-books-increase-digital-financial-capabilities-low-income-clusters%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1547616877305{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writers: Nithya Srinivasan\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1547469646057{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"December, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1547469653452{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1523434422317{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"39803\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/strengthening-potential-digital-finance-women-bhatta-basti/\"][vc_custom_heading text=\"Strengthening the potential of digital finance for women in bhatta basti\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fstrengthening-potential-digital-finance-women-bhatta-basti%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1545566539870{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writers: Deepti KC\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1545895354180{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"December, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1545566609711{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1519195345948{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"39450\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/digital-lending-small-merchants-missing-road-last-mile/\"][vc_custom_heading text=\"Digital lending for small merchants: the missing road to the last mile\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fdigital-lending-small-merchants-missing-road-last-mile%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1542722764189{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writers: John Arun and Shubhranka Mondal\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1542722803475{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"November, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1542723317626{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" gap=\"30\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1541408971675{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #dd3333 !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"38891\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/segmenting-low-income-cluster-digital-payment-solutions/\"][vc_custom_heading text=\"Segmenting low-income cluster for digital payment solutions\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fsegmenting-low-income-cluster-digital-payment-solutions%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1541403176185{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writer : Deepti Kc\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1547744194418{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"October, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1541402650943{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1537956108157{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #dd3333 !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"26507\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/digitizing-dairy-b2b-supply-chain/\"][vc_custom_heading text=\"Digitizing Dairy B2B Supply Chain\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fdigitizing-dairy-b2b-supply-chain%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1537956128919{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writers: Tunisha Kapoor and Preethi Rao\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1537955384156{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"September, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1537523993141{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1537954927172{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #dd3333 !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"26362\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/leveragin-gst-for-digital-payments/\"][vc_custom_heading text=\"Leveraging GST for digital payments\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" link=\"url:https%3A%2F%2Fcashlesscatalyst.org%2Fleveragin-gst-for-digital-payments%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1537523945584{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writers: Mandar Kagade, Raghav Katyal, Janak Priyani, and Diksha Singh\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1537523972346{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"September, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1537523993141{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1537524096448{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"23078\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/merchant-perspectives-bhim-experience/\"][vc_custom_heading text=\"Merchant perspectives on the BHIM experience\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Fmerchant-perspectives-bhim-experience%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1530709959894{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writers: Mandar Kagade, Janak Priyani, Diksha Singh and Raghav Katyal.\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1530785894602{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"July 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1530709001912{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" gap=\"30\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1547728319090{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #dd3333 !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"13249\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/a-small-business-go-to-guide-for-going-cashless\"][vc_custom_heading text=\"A Small Business Go-To Guide for Going Cashless\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Fa-small-business-go-to-guide-for-going-cashless|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1523434075142{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writers : Sapna Bharath and Gaurav Singhal\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1531132318660{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"April, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1523434039462{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1537956108157{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #dd3333 !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"12146\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/women-in-ultra-poor-communities/\"][vc_custom_heading text=\"Women in ultra-poor communities &amp; their role in household financial decision making and digital participation\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Fwomen-in-ultra-poor-communities%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1519211203629{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writers: Maya Durvasula, Mridulya Narasimhan, NIdhi Punmia &amp; Vaisnavi Gnanasekaran\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1519212224650{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"February, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1519205277484{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1537954927172{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #dd3333 !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"12152\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/how-digitally-ready-are-the-urban-ultra-poor/\"][vc_custom_heading text=\"How digitally ready are the urban ultra-poor?\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Fhow-digitally-ready-are-the-urban-ultra-poor%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1519196000899{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writers: Mridulya Narasimhan &amp; Nidhi Punmia\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1519212249177{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"February, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1519205377288{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1537524096448{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"10808\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/catalyst-blog/catalysts-digital-payment-journey-jaipur-first-stop-barkat-nagar/\"][vc_custom_heading text=\"Catalyst\'s digital payment journey in jaipur first stop - Barkat Nagar\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Fcatalyst-blog%2Fcatalysts-digital-payment-journey-jaipur-first-stop-barkat-nagar%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1519195492063{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writer: Sapna Bharath\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1519212273062{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"July, 2017\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1519205296777{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" gap=\"30\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1547813901006{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #dd3333 !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"10470\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/catalyst-blog/decoding-jaipur-digital-payments-landscape/\"][vc_custom_heading text=\"Decoding Jaipur’s Digital Payments Landscape\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Fcatalyst-blog%2Fdecoding-jaipur-digital-payments-landscape%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1519195501591{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writer: Vinaina Suri\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1519212423207{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"May, 2017\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1519205312907{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1547813876671{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #dd3333 !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"12190\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/india-stack/\"][vc_custom_heading text=\"India Stack\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Findia-stack%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1519195545508{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writer: Catalyst &amp; Dalberg Social Advisors\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1521211013662{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"January, 2017\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1519211213311{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1547734543614{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #dd3333 !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"12149\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/alternative-lending/\"][vc_custom_heading text=\"Alternative Lending\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Falternative-lending%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1519195884538{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writer: Dalberg Social Advisors\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" link=\"|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1519212314365{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"January, 2017\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1519205362026{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1537956108157{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #dd3333 !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"12148\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/digital-kirana/\"][vc_custom_heading text=\"Digital Kirana\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Fdigital-kirana%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1519195812190{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Technical writer: Dalberg Social Advisors\" font_container=\"tag:h5|font_size:12px|text_align:left|color:%23040707|line_height:18px\" 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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][vc_row][vc_column][vc_column_text letter_spacing=\"\"][learningnotes][/vc_column_text][/vc_column][/vc_row][vc_row][vc_column][vc_column_text letter_spacing=\"\"][rovingserviceproviders]\n[/vc_column_text][/vc_column][/vc_row][vc_row][vc_column][vc_column_text letter_spacing=\"\"]<p>[supplychains]</p>\n[/vc_column_text][/vc_column][/vc_row][vc_row][vc_column][vc_column_text letter_spacing=\"\"]<p>[lowincomecommuniti]</p>\n[/vc_column_text][/vc_column][/vc_row][vc_row][vc_column][vc_column_text letter_spacing=\"\"]<p>[ecosystemenablers]</p>\n[/vc_column_text][/vc_column][/vc_row]', 'Catalyst Publications', '', 'inherit', 'closed', 'closed', '', '12122-autosave-v1', '', '', '2019-03-12 12:52:53', '2019-03-12 12:52:53', '', 12122, 'https://cashlesscatalyst.org/media/12122-autosave-v1/', 0, 'revision', '', 0),
(41009, 0, '2019-03-21 10:56:39', '2019-03-21 10:56:39', 'Autoptimize\'s cache size is getting big, consider purging the cache. Have a look at https://wordpress.org/plugins/autoptimize/faq/ to see how you can keep the cache size under control. (site: https://cashlesscatalyst.org)', 'Autoptimize cache size warning (https://cashlesscatalyst.org)', 'Bad Request(invalid_grant)', 'private', 'closed', 'closed', '', 'autoptimize-cache-size-warning-httpscashlesscatalyst-org-35', '', '', '2019-03-21 10:56:39', '2019-03-21 10:56:39', '', 0, 'https://cashlesscatalyst.org/postman_sent_mail/autoptimize-cache-size-warning-httpscashlesscatalyst-org-35/', 0, 'postman_sent_mail', '', 0),
(41121, 0, '2019-04-07 01:15:55', '2019-04-07 01:15:55', 'A new comment on the post \"Remote Payments Era: the new ‘boom’ transforming the digital payment landscape\" is waiting for your approval\r\nhttps://cashlesscatalyst.org/remote-payments-era-new-boom-transforming-digital-payment-landscape/\r\n\r\nAuthor: this article (IP: 158.222.8.88, 88.8.222.158.static.usabroadband.net)\r\nEmail: mollie_steen@gmx.net\r\nURL: http://cenceme.org/the-best-pdf-to-word-converter-with-ocr/\r\nComment: \r\nThis is actually helpful, thanks.\r\n\r\nApprove it: https://cashlesscatalyst.org/wp-admin/comment.php?action=approve&amp;c=12099#wpbody-content\r\nTrash it: https://cashlesscatalyst.org/wp-admin/comment.php?action=trash&amp;c=12099#wpbody-content\r\nSpam it: https://cashlesscatalyst.org/wp-admin/comment.php?action=spam&amp;c=12099#wpbody-content\r\nCurrently 160 comments are waiting for approval. Please visit the moderation panel:\r\nhttps://cashlesscatalyst.org/wp-admin/edit-comments.php?comment_status=moderated#wpbody-content\r\n', '[Catalyst] Please moderate: \"Remote Payments Era: the new ‘boom’ transforming the digital payment landscape\"', 'Bad Request(invalid_grant)', 'private', 'closed', 'closed', '', 'catalyst-please-moderate-remote-payments-era-the-new-boom-transforming-the-digital-payment-landscape-4', '', '', '2019-04-07 01:15:55', '2019-04-07 01:15:55', '', 0, 'https://cashlesscatalyst.org/postman_sent_mail/catalyst-please-moderate-remote-payments-era-the-new-boom-transforming-the-digital-payment-landscape-4/', 0, 'postman_sent_mail', '', 0);
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(40428, 23, '2019-02-06 10:55:08', '2019-02-06 10:55:08', '[vc_section full_height=\"yes\" css=\".vc_custom_1509949795655{background-image: url(https://cashlesscatalyst.org/wp-content/uploads/2017/10/eotm-bg.jpg?id=11813) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\" el_class=\"bgAttFix\"][vc_row equal_height=\"yes\" type=\"color\" bg_color=\"rgba(255,255,255,0.01)\" padding_bottom=\"0\"][vc_column][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/6\"][vc_custom_heading text=\"ENGAGING YOUNG POPULATIONS TO <strong>EVANGELIZE AND SPREAD THE USAGE OF NEW PAYMENT TECHNOLOGIES </strong>\" font_container=\"tag:h1|font_size:32px|text_align:center|color:%23ffffff|line_height:38px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1508997264133{margin-bottom: 0px !important;padding-right: 15% !important;padding-bottom: 0px !important;padding-left: 15% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"70px\"][vc_row_inner css=\".vc_custom_1508398123899{margin-top: 0px !important;}\"][vc_column_inner][vc_empty_space height=\"40px\"][vc_single_image image=\"11625\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][vc_empty_space height=\"10px\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"70px\"][/vc_column][/vc_row][/vc_section][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"9937\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549450494630{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\n<p style=\"text-align: center;\">[footer_copy]</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]', 'EOTM', '', 'inherit', 'closed', 'closed', '', '11624-autosave-v1', '', '', '2019-02-06 10:55:08', '2019-02-06 10:55:08', '', 11624, 'https://cashlesscatalyst.org/media/11624-autosave-v1/', 0, 'revision', '', 0),
(41066, 0, '2019-03-28 14:06:37', '2019-03-28 14:06:37', 'A new comment on the post \"The view from 10 months in..\" is waiting for your approval\r\nhttps://cashlesscatalyst.org/catalyst-blog/view-10-months-in/\r\n\r\nAuthor: SonjaCaf (IP: 134.249.50.180, 134-249-50-180.broadband.kyivstar.net)\r\nEmail: mattressed@gmail.com\r\nURL: \r\nComment: \r\ncbd oil research benefits for cancer [url=http://illicivecfan.ru/]I thought about this[/url] \r\nbenefits of cbd oil for men [url=http://dvigateli-na-5.ru/]Bonuses[/url] \r\npure cbd oil reviews for pain [url=http://financial-hub.net/story.php?title=where-acquire-cannabis-oil-on-the-internet#discuss]see[/url] \r\ncbdistillery coupons [url=http://www.itxxlm.com/home.php?mod=space&amp;uid=444140]good[/url] \r\n \r\ncbd gummies for sale online <a href=\"http://otzivofilme.ru/\" rel=\"nofollow\">Find Out More</a> \r\nhealth benefits of cbd oil for diabetes <a href=\"http://mem-2-you.ru/\" rel=\"nofollow\">browse around these guys</a> \r\nbuy cbd gummies online <a href=\"http://www.sammybookmarks.com/story.php?title=where-acquire-cannabis-oil-on-line#discuss\" rel=\"nofollow\">try this web-site</a> \r\nbest cbd oil for pain and anxiety <a href=\"http://trafficzone.tech/story.php?title=this-is-made-from-the-cannabis-oil-from-the-seeds-of-the-hemp-vegetation-#discuss\" rel=\"nofollow\">click to investigate</a>\r\n\r\nApprove it: https://cashlesscatalyst.org/wp-admin/comment.php?action=approve&amp;c=12081#wpbody-content\r\nTrash it: https://cashlesscatalyst.org/wp-admin/comment.php?action=trash&amp;c=12081#wpbody-content\r\nSpam it: https://cashlesscatalyst.org/wp-admin/comment.php?action=spam&amp;c=12081#wpbody-content\r\nCurrently 142 comments are waiting for approval. Please visit the moderation panel:\r\nhttps://cashlesscatalyst.org/wp-admin/edit-comments.php?comment_status=moderated#wpbody-content\r\n', '[Catalyst] Please moderate: \"The view from 10 months in..\"', 'Bad Request(invalid_grant)', 'private', 'closed', 'closed', '', 'catalyst-please-moderate-the-view-from-10-months-in-77', '', '', '2019-03-28 14:06:37', '2019-03-28 14:06:37', '', 0, 'https://cashlesscatalyst.org/postman_sent_mail/catalyst-please-moderate-the-view-from-10-months-in-77/', 0, 'postman_sent_mail', '', 0),
(40553, 0, '2019-02-26 06:21:26', '2019-02-26 06:21:26', '\n\n\n<title>Form Fill from Catalyst Website</title>\n\n\n<p>From: sheral shah <br />\nSubject: Form Fill from Catalyst Website</p>\n<p>Hi,</p>\n<p>Some cool, awesome person has filled out a form on the Catalyst website. Please take a look at the details filled out. </p>\n<p>Name: sheral shah<br />\nOrganization: N/A<br />\nEmail: sheral26shah@gmail.com<br />\nPhone No.: 9166160160<br />\nMessage: Hi, I am Sheral Shah. I am an MSc Economics graduate from the University of Warwick. I am looking for research oriented jobs in Jaipur. Would you have such an opportunity for me?<br />\nFile: Catalyst-Resume.pdf</p>\n<p>--<br />\nHave an awesome day.<br />\nThe ghost in the system..</p>\n<p>This e-mail was sent from a contact form on Catalyst (https://cashlesscatalyst.org)</p>\n\n', 'Form Fill from Catalyst Website', 'Bad Request(invalid_grant)', 'private', 'closed', 'closed', '', 'form-fill-from-catalyst-website-11', '', '', '2019-02-26 06:21:26', '2019-02-26 06:21:26', '', 0, 'https://cashlesscatalyst.org/postman_sent_mail/form-fill-from-catalyst-website-11/', 0, 'postman_sent_mail', '', 0),
(40557, 0, '2019-02-26 07:26:40', '2019-02-26 07:26:40', 'A new comment on the post \"The view from 10 months in..\" is waiting for your approval\r\nhttps://cashlesscatalyst.org/catalyst-blog/view-10-months-in/\r\n\r\nAuthor: Reviews (IP: 149.20.246.168, 149.20.246.168)\r\nEmail: sang.nicastro@gmail.com\r\nURL: https://bit.ly/2LLXuet\r\nComment: \r\nHeya i\'m for tthe fiгst time here. I f᧐und this board \r\nаnd I find It rｅally սseful &amp; iit helped mе outt а lot.\r\nI hope to gіve sοmething baсk and heⅼp others likе you helped mе.\r\n\r\nApprove it: https://cashlesscatalyst.org/wp-admin/comment.php?action=approve&amp;c=12047#wpbody-content\r\nTrash it: https://cashlesscatalyst.org/wp-admin/comment.php?action=trash&amp;c=12047#wpbody-content\r\nSpam it: https://cashlesscatalyst.org/wp-admin/comment.php?action=spam&amp;c=12047#wpbody-content\r\nCurrently 108 comments are waiting for approval. Please visit the moderation panel:\r\nhttps://cashlesscatalyst.org/wp-admin/edit-comments.php?comment_status=moderated#wpbody-content\r\n', '[Catalyst] Please moderate: \"The view from 10 months in..\"', 'Bad Request(invalid_grant)', 'private', 'closed', 'closed', '', 'catalyst-please-moderate-the-view-from-10-months-in-33', '', '', '2019-02-26 07:26:40', '2019-02-26 07:26:40', '', 0, 'https://cashlesscatalyst.org/postman_sent_mail/catalyst-please-moderate-the-view-from-10-months-in-33/', 0, 'postman_sent_mail', '', 0);
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(39688, 12, '2018-12-21 07:00:32', '2018-12-21 07:00:32', '[vc_row type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/6\"][vc_custom_heading text=\"MEET THE TEAM\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23d11e3c|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\n<p style=\"text-align: center;\">We are a lean, entrepreneurial and motivated team of thinkers and doers.</p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#ffffff\" enable_parallax=\"false\" parallax_speed=\"0.4\" bg_image=\"7841\"][vc_column][vc_row_inner equal_height=\"yes\" el_class=\"pmember-container\" css=\".vc_custom_1529596508622{margin-bottom: 40px !important;}\"][vc_column_inner el_class=\"pteam-inner-container\" width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1518614010448{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"sharon\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/Sharon.png\" alt=\"Sharon\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"sharon\"> SHARON BUTEAU </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"DIRECTOR\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1518614043137{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Sharon has over 15 years of experience in the field of research and international development. As the Executive Director of IFMR LEAD, Sharon leads the strategic direction of the organization and provides oversight to research, policy and capacity building engagements.</p>\n\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link phide\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/sudhir181279?trk=nav_responsive_tab_profile\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner el_class=\"pteam-inner-container\" width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1486996932974{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"badal-malick\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/01.png\" alt=\"badal malick\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"badal-malick\"> BADAL MALICK </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"PRINCIPAL INNOVATION OFFICER\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1517295221489{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Trained in physics and economics, Badal loves to tinker with big ideas. He is passionate about disruptive innovation and large-scale change, which is reflected in his professional trajectory.</p>\n\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://in.linkedin.com/in/badalmalick\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner el_class=\"pteam-inner-container\" width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529590589472{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"jayshree\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/06/Jayshree.png\" alt=\"Jayshree Venkatesan\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"jayshree\">JAYSHREE VENKATESAN</a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"LEAD, CUSTOMER CENTRICITY\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529585990865{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Jayshree is an experienced professional with a demonstrated history of working in the international development finance industry.</p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner el_class=\"pteam-inner-container\" width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529586207341{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"varinder\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/06/varinder.png\" alt=\"Varinder Kaur\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"varinder\">VARINDER KAUR</a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"LEAD, SOCIAL &amp; BEHAVIORAL INSIGHTS\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529586254597{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Varinder has over 14 years of experience in brand strategy and social issues across India and UK.</p>\n\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" el_class=\"pmember-container\"][vc_column_inner el_class=\"pteam-inner-container\" width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1518586346804{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"preethi-rao\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2017/02/Preeti-Rao.png\" alt=\"Preeti-Rao\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"preethi-rao\"> PREETHI RAO </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"LEAD, LAB PROJECTS\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529595576084{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Preethi holds a Master’s in Business Administration (MBA) from IFMR Business School, with a focus on finance and marketing. In her free time, Preethi likes to write poetry, read fiction and watch movies.</p>\n\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/preethi22/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner el_class=\"pteam-inner-container\" width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529586736076{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"john-arun\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/06/john.png\" alt=\"John Arun\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"john-arun\"> JOHN VICTOR ARUN KUMAR </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"LEAD, INCUBATOR PROJECTS\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529586694470{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">John manages the accelerator’s operations at Catalyst and also oversees the organization’s MSME and Entrepreneurship research.</p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner el_class=\"pteam-inner-container\" width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1518612943485{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"mandar\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/Mandar.png\" alt=\"mandar\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"mandar\"> MANDAR KAGADE </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"LEAD, POLICY\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529587013594{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">A policy wonk and a lawyer (in that order), Mandar Kagade is focussed on development of regulatory policy in connection with the payments ecosystem. He is passionate about exploring intersections of finance and policy.</p>\n\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/mandar-kagade-4a171333/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner el_class=\"pteam-inner-container\" width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1487055436382{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"vaisnavi\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2017/01/Vaisnavi-Gnanasekaran.png\" alt=\"VAISNAVI GNANASEKARAN\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"vaisnavi\"> VAISNAVI G </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"MONITORING &amp; EVALUATION SPECIALIST\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485770270198{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Passionate about designing solutions that address the needs of the underserved sections of society, Vaisnavi’s journey in the development sector started through volunteer opportunities.</p>\n\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"]\n<div id=\"sharon\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">SHARON BUTEAU</h2>\n<h3 class=\"pteam-member-position\">DIRECTOR</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sharon\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nSharon has extensive experience in building important partnerships between academia, donor agencies, policymakers and practitioners to promote evidence-based policy making and practice at scale. She has hands-on experience in research and analytics, and is a Principal Investigator on several IFMR LEAD studies as well. Prior to joining IFMR LEAD, Sharon was an Economist with the Analysis Group in Montreal, Canada.\n\nSharon holds a Master’s Degree in Social Research Methods from the London School of Economics &amp; Political Science, and a Master’s Degree in Economics from the Université du Québec à Montréal.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"jayshree\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">JAYSHREE VENKATESAN</h2>\n<h3 class=\"pteam-member-position\">LEAD, CUSTOMER CENTRICITY</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sharon\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nPreviously, she has worked with CGAP and Accion on customer centric business models for low-income segments. As the CEO of IFMR Mezzanine Finance, Jayshree managed an investment portfolio of USD 2 million with zero default. A graduate from MDI Gurgaon, Jayshree is a Chevening Fellow from King\'s College, London.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"varinder\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">VARINDER KAUR</h2>\n<h3 class=\"pteam-member-position\">LEAD, SOCIAL &amp; BEHAVIORAL INSIGHTS</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sharon\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nPreviously, she has worked with BBC Media Action in India to lead their research on an HIV/AIDS project funded by the Bill and Melinda Gates Foundation. Varinder also has significant experience in strategy design and impact evaluations of corporate social responsibility projects, with organizations such as Unilever, Marico and Reliance.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"john-arun\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">JOHN VICTOR ARUN KUMAR</h2>\n<h3 class=\"pteam-member-position\">LEAD, INCUBATOR PROJECTS</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sharon\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nHis core areas of work are project design, implementation and monitoring &amp; evaluation. John has 10 years of experience in the Development Sector and has worked at Tata Consultancy Services on an Entrepreneurship Development program. John holds a Master\'s degree from the Madras School of Social Work and a Bachelor\'s in Computer Science from the Madras university.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"badal-malick\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">BADAL MALICK</h2>\n<h3 class=\"pteam-member-position\">PRINCIPAL INNOVATION OFFICER</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"badal-malick\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nBadal has a deep industry background in financial services, digital payments and online commerce. Previously, he was a Vice President at Snapdeal where he built an Omnichannel business from ground up; a Group Product Head at Intuit’s Quickbooks business unit where he crafted new fintech products; an Engagement Manager at McKinsey’s financial services and payments practice where he advised Fortune 50 companies on innovation strategies; and an Economist at the World Bank\'s Water and Sanitation Program where he led a ground breaking a new initiative focused on public accountability in urban service delivery.\n\nHe is a technology enthusiast, an active angel investor, and once played for a NYC based rock band. He has an MBA from the Yale School of Management.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"alok\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">ALOK GUPTA</h2>\n<h3 class=\"pteam-member-position\">DIRECTOR, INCUBATION</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"alok\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nAlok has 22 years of global experience in fintech solutions. He was COO, India, at World Resources Institute where he set up global work in urban innovation and tools. Before that he was member of the startup team at UIDAI driving program strategy and implementation of Aadhaar – the world’s largest biometric-based online identity platform for 1.2 billion Indians -- enabling roll out of the Aadhaar-based payment platform and effective delivery of welfare services. Prior to UIDAI, he took two fintech ventures to the Indian market as a founding team member. Earlier, he worked in the U.S. for 10 years with Trend Micro, managing global IT strategy, and DiamondCluster, developing and executing digital strategies for Fortune 50 companies.\n\nHe has an Electronic Commerce management degree from Tepper School of Business, Carnegie Mellon University and Bachelors in Electrical Engineering from Delhi College of Engineering.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"sudhir\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">SUDHIR KUMAR</h2>\n<h3 class=\"pteam-member-position\">ECOSYSTEM OPERATIONS LEADER</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sudhir\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nPreviously, while with the Small Industries Development Bank of India (SIDBI), Sudhir headed its Financial Inclusion initiative (Poorest States Inclusive Growth program) in Madhya Pradesh and Uttar Pradesh, focusing on increasing access to financial services among poor households. As an entrepreneur, Sudhir initiated his own Urban Microfinance Company called MITRA in Rajasthan, providing financial services to urban poor. He has also worked closely with industry associations on policy and advocacy issues and with client-beneficiaries in urban and rural Rajasthan to generate linkages with livelihoods.\n\nHe is a postgraduate from the Indian Institute of Forest Management (IIFM).</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"parvinder\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">PARVINDER SINGH</h2>\n<h3 class=\"pteam-member-position\">ASSOCIATE DIRECTOR, LEARNING &amp; COMMUNICATIONS</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"parvinder\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nPassionate about evidence-based conversations and storytelling, he has co-created community media initiatives and digital platforms for public engagement for inclusion and social change. Parvinder has worked with some of the leading development organizations like ActionAid, Oxfam, Christian Aid International, Plan International and Landesa among others. He loves contributing to the on-going public discourses through his writings and has been published in academic journals and international news media.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"sapna\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">SAPNA BHARATH</h2>\n<h3 class=\"pteam-member-position\">MANAGER, PARTNERSHIPS &amp; IMPLEMENTATION</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sapna\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nSapna has been a pilot team member at global investment banks such as Goldman Sachs, Lehman Brothers and Nomura, and their set up and start up story in India. With over 11 years of experience across transition, operations and execution of large-scale business transformation programs, her noteworthy engagements involved the roll out of new bank branch set ups for equity and fixed income businesses in Mauritius, Singapore, Indonesia and China. In her last stint at Nomura, she was instrumental in front-to-back program management, business analysis and user-acceptance testing for projects such as delivery of India FII Proprietary Trading business roll-out. Prior to Nomura, Sapna was a business analyst at Goldman Sachs and established a center of excellence reconciliation platform for Lehman’s global businesses.\n\nSapna holds a Bachelor in Commerce Degree, an MBA from the Symbiosis University, Pune and is Six Sigma Green Belt certified.</div>\n</div>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#ffffff\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" bg_image=\"7841\"][vc_column][vc_row_inner equal_height=\"yes\" el_class=\"pmember-container\"][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1507728744809{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"aditya\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/aditya.png\" alt=\"ADITYA DESHPANDE\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"aditya\"> ADITYA DESHPANDE </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"STRATEGY AND PRODUCT ARCHITECT\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1507728928331{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">An Engineer and a Post-Graduate in management, Aditya is passionate about startups and has spent a large portion of his professional journey in the ecosystem.</p>\n\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/aditya-deshpande-083716a/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529594073143{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"gaurav-s\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/Gaurav.png\" alt=\"GAURAV SINGHAL \" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"gaurav-s\">GAURAV SINGHAL </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"BUSINESS ANALYST\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529587612824{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Passionate about fintech and use of blockchain to improve regulation tech, Gaurav loves designing the efficient ways to streamline processes. prior catalyst he was a co-founder at Authentic – An India stack based E-KYC and authentication startup.</p>\n\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/gsinghal680/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529587858454{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"sunil\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/Sunil-Gurubhagwatla.png\" alt=\"sunil\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"sunil\"> SUNIL GURUBHAGWATLA </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"SENIOR PROGRAM ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529587889025{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Sunil is an engineer turned management student. He has worked in the areas of brand alliance in ecommerce and as a Business Intelligence consultant for several domains.</p>\n\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/sunil-gurubhagwatla-42a9791a\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529588438599{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"tunisha\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/Tunisha-Kapoor-n.png\" alt=\"tunisha\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"tunisha\"> TUNISHA KAPOOR </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"OPERATIONS ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529588466193{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Tunisha is passionate about policy and regulatory research and has had professional exposure in a diverse set of sectors including business responsibility, insurance and energy.</p>\n\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://in.linkedin.com/in/tunisha-kapoor-9a117851\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"]\n<div id=\"mandar\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">MANDAR KAGADE</h2>\n<h3 class=\"pteam-member-position\">POLICY CONSULTANT</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"mandar\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nBefore Catalyst, Mandar worked with the Finance Research Group at IGIDR (Mumbai) on a Paypal-funded assignment authoring and disseminating policy research, op-ed pieces and curating round tables towards policy advocacy. Earlier, he was at the Bharti Institute Of Public Policy (Indian School Of Business) where he published financial regulatory research in banking, payments and fintech. A graduate of Columbia Law School and Govt. Law College (Mumbai) he practiced Transaction Law in an earlier life, before the policy bug bit him. When he is not thinking about pushing payments, you would find him watching Ken Burns\' documentaries or Quentin Tarantino creations.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"aditya\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">ADITYA DESHPANDE</h2>\n<h3 class=\"pteam-member-position\">STRATEGY AND PRODUCT ARCHITECT</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"aditya\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nFor over 10 years, Aditya has handled a wide range of roles including consulting, academics and entrepreneurship. Previously, he was working with GREX as Associate Vice President and handled the ground-up development of debt products for the company. He was responsible for many key partnerships for GREX and also handled various special initiatives, as part of the PMO team earlier. After a brief stint with Satyam as WRAP consultant, he moved to academics and subsequently became part of the entrepreneurship ecosystem while working with a Pune based VC firm and later his own startup in the incubation space.\n\nHe is an Electronics Engineer and also has a PG Diploma in Management from IMT, Nagpur. He loves working on product ideas and building strong partnerships for organizational growth. Aditya enjoys reading and conquering difficult terrain with his prized 4×4 in his free time. He also enjoys traveling, photography and horse riding.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"arbind\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">ARBIND KUMAR</h2>\n<h3 class=\"pteam-member-position\">OPERATIONS ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"arbind\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nArbind has a post graduate degree in E-Governance from IIM Indore, and has an experience of over 6 years in business consulting and ICT Solutions for various Government Ministries and Departments. At his last held designation as a Consultant for Business Process &amp; IT and an Advisory Consultant, he has been a key driver of business strategy, transformation and operational improvement. He has also been associated with National Institute for Smart Government, Bluefrog mobile technologies Pvt. Ltd and IIM Indore. Prior to joining Catalyst, he has been a part of\n\nPrior to his association with Catalyst, he was a part of the National Institute for Smart Government (NISG) New Delhi, where he was associated with various Ministries and Govt. departments, which included Controller General of Defence (MoD), Department of Finance (Govt. of Bihar), Election Commission of India, Ministry of Labour and Employment, Punjab Governance Reforms and others. During his free time, Arbind enjoys cooking, designing, watching movies and trying new cuisines.\n\nHis involvement with various Ministries and Govt. Departments are in the area of Rural Development, Health and Treasury Management. As a consultant, Arbind was involved in designing workflow-based business processes for the Government to create transparency, and as a Management Consultant, he was a part of conceptualizing, designing, and monitoring the E- Governance Project.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"aparajita\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">APARAJITA BHARTI</h2>\n<h3 class=\"pteam-member-position\">COMMUNICATIONS AND MEDIA CONSULTANT</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"aparajita\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nAparajita was one of the four Indians selected for the Faiths Act Fellowship by the Tony Blair Faith Foundation. Prior to that, she was a LAMP Fellow and worked as a Legislative Assistant to Mr. N.K. Singh, Member of Parliament, Rajya Sabha. Most recently, she was Manager, Corporate Affairs and Communications at Snapdeal where she was responsible for media messaging and engagement, in addition to providing inputs on policy and legislative issues concerning the digital commerce sector. She also developed and managed partnerships with many state governments for Snapdeal.\n\nA street theatre artist in her undergraduate years, Aparajita was instrumental in seeding ‘Manthan’ – an annual congregation of street theatre student groups to spread social awareness across India. Manthan has now expanded to 15+ towns and cities.\n\nShe is an alumnus of Oxford University and College of Business Studies at Delhi University.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"rohit\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">ROHIT KUMAR</h2>\n<h3 class=\"pteam-member-position\">POLICY CONSULTANT</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"rohit\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">Rohit served as the Head of Policy and Research at the office of Mr. Baijayant ‘Jay’ Panda, Member of Parliament (MP) in Lok Sabha. Prior to that, he has worked for several years with PRS Legislative Research, the Indian think-tank that supports MPs across party lines with research on legislative and policy issues. At PRS, Rohit also developed ‘MP Track’, a tool that is widely used by civil society to track engagement of MPs in Parliament. Before shifting to policy, he was a strategy consultant with the Boston Consulting Group (BCG).Rohit is an alumnus of the Harvard Kennedy School of Government and Indian Institute of Technology-Bombay.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"vaisnavi\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">VAISNAVI GNANASEKARAN</h2>\n<h3 class=\"pteam-member-position\">MONITORING &amp; EVALUATION SPECIALIST</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"vaisnavi\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nVaisnavi has worked with various international organizations on research projects focused on the development sector while undertaking her Masters degree. She worked at the United Nations Population Fund Headquarters in New York where she was involved in designing and coordinating evaluation studies of global projects. During this time, she worked with UNICEF and UN Women on evaluation of a jointly operated project to address female genital mutilation in Sub-Saharan Africa. Prior to this, she worked with faculty at the University of Alberta on projects ranging from safe needle exchange programs for addicts to special after-school programs for at-risk children. As a volunteer, Vaisnavi worked with sex workers’ union and human rights activist groups. She specializes on solutions that have a strong data analytical backbone in the development sector.\n\nVaisnavi recently completed her Master degree in Public Health from University of Alberta, Canada.</div>\n</div>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#ffffff\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" bg_image=\"7841\"][vc_column][vc_row_inner equal_height=\"yes\" el_class=\"pmember-container\"][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529589323846{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"arbind\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2017/08/Arbind_kumar.png\" alt=\"arbind\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"arbind\"> ARBIND KUMAR </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"OPERATIONS ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529589390712{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Passionate about developing and improving e- Governance systems across multiple levels of society, Arbind loves to design user friendly workflow-based business processes for the Government to create transparency.</p>\n\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/arbind-kumar-b0a5bb67/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529588667655{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"darshan\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/Darshan-singh.png\" alt=\"Darshan Singh\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"darshan\"> DARSHAN SINGH </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"OPERATIONS ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529588692226{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Prior to Darshan\'s association with Catalyst, he was associated with Indian Institute of Management (Indore), for entrepreneurship and enterprise development programs.</p>\n\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"http://www.linkedin.com/in/darshan-singh-09907777181\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529588787401{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"siddharth\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/Siddhanth_Dhankhar.png\" alt=\"siddharth\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"siddharth\"> SIDDHARTH DHANKHAR </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"PROGRAM ASSOCIATE \" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529588814331{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Siddharth enjoys mathematics and all things data. He joins Catalyst from the partnerships &amp; strategic initiatives team at Snapdeal. He loves swimming, squash and anything that gets him outdoors.</p>\n\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/siddharthdhankhar\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529591448130{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"preeti-bawa\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/Preeti-Bawa.png\" alt=\"preeti bawa\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"preeti-bawa\"> PREETI BAWA </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"ADMIN MANAGER\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529591479636{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">With flawless administrative skills, Preeti is passionate about her work; conducting events is her strength. She feels good to provide support to her teammates.</p>\n\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://in.linkedin.com/in/tunisha-kapoor-9a117851\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"]\n<div id=\"arindam\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">ARINDAM JANA</h2>\n<h3 class=\"pteam-member-position\">DATA SCIENTIST</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"arindam\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nArindam has developed analytical frameworks for problems ranging from performance and strategy evaluation in Twenty20 cricket, to identifying possible locations for the new capital of the bifurcated state of Andhra Pradesh, to assessing credit risk in data-poor lending networks, to proving cartel and monopolistic behaviour in markets. Arindam also has a keen interest in developing data pipelines, with a specific interest in data quality and value add – in his time with Indian Institute for Human Settlements, he was instrumental in developing a spatiotemporal database panning sources from Census of India to remote sensing imagery from NASA and ISRO. In his free time, Arindam loves following long form cricket from across the globe, cooking, and analysing films.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"preeti-bawa\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">PREETI BAWA</h2>\n<h3 class=\"pteam-member-position\">ADMINISTRATIVE OFFICER</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"preeti-bawa\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nPreeti previously worked with FHI360 where she gained exposure to the development sector. Earlier, at Jayanita Exports, she was exposed to work with global buyers for handicraft export and import. Before that, at Alar Impex Pvt. Ltd., she was working with the Belgian government on importing dredging machines from Belgium. Her first experience was interesting: she started her career with SSC as an invigilator for initial paper checks.\n\nShe has an Economics degree from Delhi University, and an Office Management and Secretarial Diploma from YMCA as well as an Operational Management diploma from MIT.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"sunil\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">SUNIL GURUBHAGWATLA</h2>\n<h3 class=\"pteam-member-position\">SENIOR PROGRAM ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sunil\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nSunil has worked with Snapdeal in the capacity of Brand Alliances Manager. He has also worked to pilot the Omni channel form of retail in the e-commerce space. Prior to that, he has worked with Cognizant as a Business Intelligence consultant for clients ranging from the publications to banks to telecom sectors.\n\nHe is an alumnus of Mudra Institute of Communications (MICA), Ahmedabad and National Institute of Technology, Raipur.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"tunisha\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">TUNISHA KAPOOR</h2>\n<h3 class=\"pteam-member-position\">OPERATIONS ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"tunisha\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nTunisha has valuable work experience in both the corporate as well as the development sector. She worked as a Senior Research Associate with Consumer Unity and Trust Society for two years handling policy and regulatory research. Prior to that she worked with IMRB International for three years and was responsible for end-to-end project management. She handled both quantitative as well as qualitative studies in the areas of brand health checks as well as communication evaluations.\n\nTunisha has a management degree from Mudra Institute of Communications, Ahmedabad (MICA).</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"darshan\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">DARSHAN SINGH</h2>\n<h3 class=\"pteam-member-position\">OPERATIONS ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"darshan\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nDuring Darshan\'s tenure at DA, he played a leadership role in the creation of ecosystem development for fly ash brick industry, enterprise development, creation of market linkages and integrated village development with HUL and Bharat Oman Refineries Limited. His business proposal on Rural Home Stays in Madhya Pradesh “Homes of India” was selected by IIM- Calcutta as a semi-finalist entry to TATA Social Enterprise Challenge and he was offered the Entrepreneurship Development Program at IIM-Calcutta on incubation. As an independent consultant, he has helped non-profit organizations with fundraising and marketing strategies. He has also independently conducted marketing activation campaigns for various corporates.\n\nDarshan’s education background is in economics and international business management.</div>\n</div>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"image\" bg_color=\"#ffffff\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" bg_image=\"7841\"][vc_column][vc_row_inner equal_height=\"yes\" el_class=\"pmember-container\"][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1545304775330{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"allan\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/02/Allan.png\" alt=\"allan\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"allan\"> ALLAN ALFRED</a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"DESIGN AND BRANDING MANAGER\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529591584834{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">A professional visual artist, Allan has dedicated over a decade to art and design. He is a graduate in Visual Communication and is passionate about creating and exploring the latest trends in visual art.</p>\n\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/allanalfred/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1545375735646{margin-bottom: 0px !important;}\"]<div class=\"team-member-container\">\n<div class=\"team-member\">\n<p><a class=\"toggle\" data-target=\"kanika\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/12/Kanika4.png\" alt=\"kanika\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"kanika\">KANIKA KHANNA</a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"COMMUNICATIONS LEAD\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1545308758844{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Kanika is a seasoned communications expert and a story teller with 16 years of experience. She believes that a strong communications campaign can act as a catalyst in bringing about desired change. It can either make or break.</p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" offset=\"vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1488876627889{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"siddharth\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/Siddhanth_Dhankhar.png\" alt=\"siddharth\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"siddharth\"> SIDDHARTH DHANKHAR </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"PROGRAM ASSOCIATE \" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1518612644484{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Siddharth enjoys mathematics and all things data. He joins Catalyst from the partnerships &amp; strategic initiatives team at Snapdeal. He loves swimming, squash and anything that gets him outdoors.</p>\n\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/siddharthdhankhar\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" offset=\"vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1529588291472{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"allan\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/02/Allan.png\" alt=\"allan\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"allan\"> ALLAN ALFRED </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"DESIGN AND BRANDING MANAGER\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1529588316347{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">A professional visual artist, Allan has dedicated over a decade to art and design. He is a graduate in Visual Communication and is passionate about creating and exploring the latest trends in visual art.</p>\n\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/allanalfred/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"]\n<div id=\"shagun\" class=\"team-profile-container\" style=\"style: z-index: 11;\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">SHAGUN NAGPAL</h2>\n<h3 class=\"pteam-member-position\">SENIOR COMMUNICATIONS MANAGER</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"shagun\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nAn Advertising &amp; Public Relations major from Indian Institute of Mass Communication; Shagun believes that effective communication leads to a positive change. Over the course of last 7 years she has worked in diverse work environments starting from Advertising agencies such as Ogilvy &amp; Mather to Humanitarian organisations such as Medecins Sans Frontieres/Doctors Without Borders. Her extensive experience, during which she has managed Press Relations as well as designed Experiential Marketing campaigns, has provided her with an opportunity to explore communication through varied lenses.\n\nShe has planned &amp; executed marketing campaigns for various audience profiles in India and South Asia. This background has given Shagun interesting insights into different cultures, along with teaching her skills like people\'s management, customer engagement and crisis management.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"anup\" class=\"team-profile-container\" style=\"style: z-index: 11;\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">ANUP KUMAR ROY</h2>\n<h3 class=\"pteam-member-position\">OPERATIONS LEADER, IFMR LEAD</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"anup\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nAnup joined IFMR Research in October 2005 as Research Associate and has worked in several research studies. Prior to IFMR, he worked with University of Delhi for four years, as well as the World Bank as Short Term Consultant for more than a year. At present, as COO, he is involved in IFMR’s international expansion, partnership and training, HR and administration, grant management, financial functions, effective data collection, data management and ethical compliance.\n\nAnup holds a Master degree in Social Work from the University of Delhi.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"preethi-rao\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">PREETHI RAO</h2>\n<h3 class=\"pteam-member-position\">LEAD, LAB PROJECTS</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"preethi-rao\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nIn addition to her role at Catalyst, Preethi heads the Innovation Vertical at IFMR LEAD. As an Innovation Champion, she drives new initiatives and is responsible for conceptualizing new areas of interest for the organization. A significant part of her role at IFMR LEAD is to identify improvements to existing processes, drive new research opportunities and develop capabilities for the same. She is also involved in developing and leading research studies and short term projects in open data, MSMEs, finance and healthcare. Her past roles include overseeing field data collection and digitization of operations.\n\nPreethi’s journey at IFMR began in 2006 as a researcher where she worked in the small enterprise finance and development space until 2012. During this time, she managed a pan India study on ROSCAs and their role in MSME financing, funded by the Bill &amp; Melinda Gates Foundation. The study was presented to and acknowledged by the then Hon. Finance Minister, Mr. Pranab Mukherjee.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"vivekdeep\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">VIVEKDEEP GUPTA</h2>\n<h3 class=\"pteam-member-position\">ASSOCIATE DIRECTOR, STRATEGIC INNOVATIONS</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"vivekdeep\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nVivekdeep Gupta graduated in 2014 with an MBA in Finance and Economics. Vivek has significant public policy experience, having worked at the Office of the Advisor to Prime Minister of India where he designed parts of the National Skill Development Policy and approved loans for skill development programs. He also worked with Mr. N Chandrababu Naidu, through the AP Economic Development Board, during his current tenure as Chief Minister of Andhra Pradesh. Vivek spent 4 years with the Tata Group as part of the Tata Administrative Services (TAS) in Africa, Israel and India. At TAS, he helped the Group set up multiple businesses including India’s first private sector military aerospace unit and micro-finance fund in South Africa.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"akanksha\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">AKANKSHA MITTAL</h2>\n<h3 class=\"pteam-member-position\">OPERATIONS ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"akanksha\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nAkanksha has worked with Accenture Strategy as a Business Consultant for close to years, in large scale implementation and strategy projects in areas of process efficiency and process integration with technological systems.\n\nShe completed her MBA from Indian Institute of Management, Bangalore and BSc (H) Mathematics from Lady Shri Ram College. She is passionate about the causes of Financial Inclusion, education for the blind and economic development and has contributed to these areas in her own small yet significant ways.\n\nShe likes watching plays more than movies and philosophy more than romance. Her height doesn’t justify her love and skill at basketball and she takes the job of restaurant critiquing quite seriously! Her bucket list includes travelling solo to Latin America and teaching kids there.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"ryan\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">RYAN TERRIBILINI</h2>\n<h3 class=\"pteam-member-position\">FELLOW</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"ryan\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nRyan has worked on numerous projects at the intersection of technology, policy, and operations. He spent four years at Google developing the Android hardware and software ecosystems by managing direct-to-consumer device support operations and creating policies for the world\'s biggest mobile app marketplace. At Ripple, Ryan served as Head of Developer Relations and Platform Partnerships. Through this role he engaged with numerous financial institutions and FinTech entrepreneurs building the payment systems of the future.\n\nRyan is a magna cum laude graduate of the University of California, Berkeley with a degree in Classical Civilizations. He is expected to graduate from the University of Oxford\'s Master of Public Policy program in Fall 2017. When he\'s not studying or playing with tech, you can find Ryan relaxing by watching and playing baseball.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"adiraju\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">BHARADWAJ ADIRAJU</h2>\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"adiraju\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">Bharadwaj is pursuing an M.A. in Economics from the University of Hyderabad. Driven by his desire to solve socio-economic injustices, he was part of a team that conducted a study on the reasons for the drop-out of differently-abled students from Delhi University. He intends to combine his interests in teaching and economics to pursue a career in teaching Currently, he is interested in investigating benefits of financial inclusion at the grass-roots and its impact on macroeconomic policies and indicators. In his free time, he enjoys relaxing and plays the Carnatic Classical violin and lawn tennis.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"katyal\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">RAGHAV KATYAL</h2>\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"katyal\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">Raghav studies Political Science and Economics at Ashoka University. He believes policy enables markets to drive socio-economic development. An aspiring public policy professional, Raghav also enjoys writing opinion pieces on contemporary issues. Apart from his academic pursuits, he also steers the Consulting vertical of the Ashoka Business Club.\nBorn and brought up in New Delhi, he takes an avid interest in reading up on the city’s history, monuments, as well as the politics that is woven into its fabric. At Catalyst, he hopes to help create government regulation for payments which can unlock financial inclusion for India’s masses.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"khanna\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">SAMRUDHI KHANNA</h2>\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"khanna\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">With an undergraduate degree in financial markets and over two years of experience in investment banking research, Samrudhi has now decided to dive into a more impactful role within the space. She aims to contribute her time and skills towards helping Catalyst build a digitized national economy and promote financial inclusion at various levels. A firm believer in the bottom up theory of development, she has also worked on a number of field as well as analytical projects in behavioural finance, child labour, improving the scope of primary education in India etc.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"srinivasan\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">NITHYA SRINIVASAN</h2>\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"srinivasan\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">Nithya recently graduated in Economics from Miranda House, University of Delhi and is passionate about international development and economic research. Her academic interests include social entrepreneurship, women empowerment, and behavioural aspects of public policy formulation. In the past, Nithya has worked with research organisations, NGOs and the Delhi Government on women entrepreneurship, public health, education and law. She recently represented India at the South Asian Economics Students Meet, Bangladesh and was awarded ‘best paper’ for her research work on healthcare financing. Besides research, Nithya loves debating, travelling and meeting new people. She is a passionate singer and currently teaches with an organisation called Music Basti in Delhi.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"swallow\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">MYLA SWALLOW</h2>\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"swallow\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">Myla is interested in the intersection of normative philosophy and the realities of global economic development. She bridges a fascination for the theoretical with a desire to implement effective on-the-ground change, realising that these pursuits can often lead in divergent directions. She is now working on her undergraduate thesis investigating and evaluating the execution of financial services in low-income communities. Myla is originally from Sydney, Australia, but has spent the last 3 years as a Robertson Scholar at Duke University. She will be graduating from Duke in May 2019 with a double major in economics and philosophy.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"anupama\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">ANUPAMA MENON</h2>\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"anupama\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nAnupama is an undergraduate student of Electronics and Communication Engineering at the National Institute of Technology, Trichy, and was named a Cargill Global Scholar in 2017. She is driven by a desire to integrate technology with the development sector in India. She is interested in digitization and its impact on the Indian economy and is keen on using her technical and behavioral insights to fast-track this process.\n\nShe has worked extensively in the Public Health sector - having conducted research in Medical Imaging and developed an application for Breast Cancer Thermography. As a volunteer, she has taught English to primary-school goers in rural Trichy. She also takes an active interest in theatre, classical dance and writing.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"allan\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">ALLAN ALFRED</h2>\n<h3 class=\"pteam-member-position\">DESIGN AND BRANDING MANAGER</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"allan\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nFor over a decade, Allan has been dedicated to design and looking into global design trends. His passion for art, design and communication has helped him build a staggering array of visual art and concepts. During the last 13 years, Allan has been recognized as a change enthusiast and a trend setter.\n\nAfter graduating with a Degree in Visual Communication, Allan has worked in Malaysia and many parts of India. He is a well appreciated Team Leader and spends most of his leisure time interacting with like-minded creative professionals and exploring new realms of design.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"siddharth\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">SIDDHARTH DHANKHAR</h2>\n<h3 class=\"pteam-member-position\">PROGRAM ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"siddharth\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nSiddharth has a dual degree from BITS Pilani with bachelor\'s degree in electronics engineering and a master\'s degree in economics. He\'s previously interned at Morgan Stanley, KPMG, among other companies.\n\nPrior to joining Catalyst, he spent about two years at Snapdeal working on partnerships &amp; strategic initiative projects.\n\nIn his spare time, he can be found debating, planning detailed vacation itineraries and outdoors. He has spent a summer working in financial crime investigation with Gurgaon Police.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"gaurav-s\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">GAURAV SINGHAL</h2>\n<h3 class=\"pteam-member-position\">BUSINESS ANALYST</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sharon\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nGaurav has been an active participant in startup ecosphere. He has worked with CIIE, IIM A where he worked on the bi-yearly Blpan competition Power of Ideas; as an intern at Dexter capital – a startup debt advisory and angel fund where he assisted in early due diligence and outreach; and as a Business development associate at CultureAlley, creator of HelloEnglish App where he worked on monetizing the app through multiple channels and upselling. In his free time, he loves to write short stories, follow cricket and prepare for marathon cycling.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"kanika\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">KANIKA</h2>\n<h3 class=\"pteam-member-position\">COMMUNICATIONS LEAD</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sharon\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nShe has a deep and robust background, spanning public relation agencies (Lintas\' LINOpinon, 20:20 Media), corporate sector firms (Hay Group/Korn Ferry, Aon Hewitt) and handled communications, media and public advocacy for WHO for 7 years. Her experience spans corporate/marketing communications, public advocacy, media relations, risk & issues-based communications, digital marketing and visual communications.\n\nShe has conceptualized and managed communication campaigns for Google, Oracle, Red Hat, BBC Hindi Radio Service, Adobe, Polycom, Agewell Foundation, Election Commission, among others, including public advocacy campaigns like mental health, road safety, Say No To Tobacco, antibiotic resistance, routine immunization, and disease outbreak situations.\n\nShe has had the privilege of working across diverse industries and learnt to communicate effectively with due respect to their sensitivities.\n\nShe is a Commerce graduate and Masters in Marketing and Business Administration. She holds a diploma in Public relations and Marketing. Kanika is a travel enthusiast and believes in angels</div>\n</div>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"image\" bg_color=\"#ffffff\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" visibility=\"hidden-xs,hidden-sm,hidden-md,hidden-lg,hidden-xlg\" bg_image=\"7841\"][vc_column][vc_row_inner equal_height=\"yes\" el_class=\"pmember-container\"][vc_column_inner width=\"1/4\"][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][vc_column_inner el_class=\"phide\" width=\"1/4\" offset=\"vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1488521635859{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"sowmya\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/Sowmya-Nanjudaiah.png\" alt=\"sowmya\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"sowmya\"> SOWMYA NANJUNDAIAH </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"MARKETING, INCITE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1486129377285{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Sowmya is CEO of INCITE, where she helps companies reimagine how they interact with their customers and manage their businesses in the digital economy.</p>\n\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/sowmya-nanjundaiah-4695b43\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"]\n<div id=\"shubham\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">SHUBHAM KULSHRESTHA</h2>\n<h3 class=\"pteam-member-position\">OPERATIONS ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"shubham\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nShubham recently graduated from Peking University HSBC Business School with a master degree in Management Science and has undertaken projects involving product portfolio establishment, market research, business analysis and project management during his study. He has worked on a joint venture under the guidance of senior leadership in Mahindra Intertrade to study the feasibility of new product establishment in the Indian market. Shubham brings to the table a rich experience of working with global MNCs like Mahindra &amp; Mahindra, Bosch &amp; JCB.\n\nHe has a Bachelors in Mechanical engineering from Manipal University. During his tenure of study at Manipal, he has lead teams in National level automotive events like BAJA &amp; National Go kart championship and has worked as a volunteer in social organizations like Gramiksha and AIESEC, India.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"smriti\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">SMRITI AGRAWAL</h2>\n<h3 class=\"pteam-member-position\">MANAGER, POLICY AND PARTNERSHIPS</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"smriti\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nA Harvard Law School and London School of Economics graduate, Smriti is a lawyer turned economist specializing in financial regulation, international and monetary economics. She has previously worked with Reserve Bank of India and Ministry of Finance and was involved in issues relating to fiscal policy and public finance. In this context, Smriti engaged in mobilization of small savings through market borrowings.\n\nPrior to this, she was assigned on projects with European Commission &amp; ESMA on improving involvement of retail users in the design of financial policies. Smriti is a trained Indian classical dancer who tries to engage and teach kids Kathak.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"pratap\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">PRATAP THUMBOOCHETTY</h2>\n<h3 class=\"pteam-member-position\">MARKETING, INCITE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"pratap\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nPratap began his career as a research scientist at the Indian Institute of Science, Bengaluru. During his MBA program in the U.S., Pratap interned with the Federal Communications Commission, helping draft policy and legislation for the Satellite Communications division. Then, as a part of Capital One’s Small Business division, Pratap was instrumental in developing new products and creating and growing the Loyalty Program. He later led Capital One’s foray into the Indian consumer lending market. During this time, he was also invited to write an advisory paper to the Ministry of Finance, Government of India, on leveraging data analytics within the Income Tax department. As an independent consultant, Pratap mentored large corporations by offering strategic advice related to India entry.\n\nPratap has a degree in electrical engineering and an MBA from the Yale School of Management with a dual concentration in strategy and international finance.</div>\n</div>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" visibility=\"hidden-xs,hidden-sm,hidden-md,hidden-lg,hidden-xlg\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/6\"][vc_custom_heading text=\"SUMMER PROGRAM (BATCH OF 2017)\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23d11e3c|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\n<p style=\"text-align: center;\">Every year, we select a few passionately driven individuals with unique skills and interests that complement our current priorities.</p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"image\" bg_color=\"#ffffff\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" visibility=\"hidden-xs,hidden-sm,hidden-md,hidden-lg,hidden-xlg\" bg_image=\"7841\"][vc_column][vc_row_inner equal_height=\"yes\" el_class=\"pmember-container\"][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1494410553853{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"ryan\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/Ryan-terribilini.png\" alt=\"ryan\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"ryan\"> RYAN TERRIBILINI </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"FELLOW\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494240914237{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Being born and raised right next to Silicon Valley, Ryan has always been inspired by the history of technology and its potential for the future.</p>\n\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/ryanterribilini/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1494241018144{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"maya\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/Maya-Durvasula.png\" alt=\"maya\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"maya\"> MAYA DURVASULA </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494239528364{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Research and service in a diverse array of settings have augmented Maya’s commitment to poverty alleviation and economic development.</p>\n\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/maya-durvasula-7aaa9179/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1494240671749{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"priyanka\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/priyanka.png\" alt=\"priyanka\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"priyanka\"> PRIYANKA ROYCHOUDHURY </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494240448187{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Priyanka is currently pursuing MSc Economics from London School of Economics and Political Science. Prior to joining LSE.</p>\n\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/priyanka-roychoudhury-15aa843b/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1494334037374{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"abhinav\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/Abhinav-Verma.png\" alt=\"abhinav\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"abhinav\"> ABHINAV VERMA </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494334178467{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Abhinav is interested in social entrepreneurship and the potential of markets to promote economic development. He is a second-year undergrad studying Economics and Finance at Ashoka University.</p>\n\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/abhinav-verma-b2b74a10b/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" disable_element=\"yes\" el_class=\"pmember-container phide\" css=\".vc_custom_1517294658131{margin-top: 40px !important;}\"][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1504761827594{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"jennifer\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2017/09/Jennifer-Sung.png\" alt=\"jennifer\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"jennifer\"> JENNIFER SUNG </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1504761858418{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Jennifer is a finance professional with a poetic heart, curious palate and wandering feet. Her diverse experiences have fueled her interests in financial technology, entrepreneurship and early stage investments.</p>\n\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/jennifer-sung-20b80162/?ppe=1\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" offset=\"vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1494241018144{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"maya\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/Maya-Durvasula.png\" alt=\"maya\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"maya\"> MAYA DURVASULA </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494239528364{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Research and service in a diverse array of settings have augmented Maya’s commitment to poverty alleviation and economic development.</p>\n\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/maya-durvasula-7aaa9179/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" offset=\"vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1494240671749{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"priyanka\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/priyanka.png\" alt=\"priyanka\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"priyanka\"> PRIYANKA ROYCHOUDHURY </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494240448187{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Priyanka is currently pursuing MSc Economics from London School of Economics and Political Science. Prior to joining LSE.</p>\n\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/priyanka-roychoudhury-15aa843b/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" offset=\"vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1494334037374{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"abhinav\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2016/12/Abhinav-Verma.png\" alt=\"abhinav\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"abhinav\"> ABHINAV VERMA </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494334178467{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\">Abhinav is interested in social entrepreneurship and the potential of markets to promote economic development. He is a second-year undergrad studying Economics and Finance at Ashoka University.</p>\n\n[/vc_column_text][vc_column_text text_color=\"#0353d8\" letter_spacing=\"\" el_class=\"lh24 pteam-social-link-container\"]\n<p class=\"pteam-social-link\" style=\"text-align: center;\"><a href=\"https://www.linkedin.com/in/abhinav-verma-b2b74a10b/\" target=\"_blank\" rel=\"noopener noreferrer\">Linkedin</a></p>\n\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"]\n<div id=\"jennifer\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">JENNIFER SUNG</h2>\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"jennifer\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nJennifer started her career as a Healthcare Investment Banker with Deutsche Bank. After working across a spectrum of transactions in M&amp;A and Equity markets across EMEA, she took up a Client Strategy role with the Global Capital Markets and Treasury Solutions team.\n\nAfter 3 years with Deutsche bank, Jennifer joined an early stage Fintech start-up Lendingkart as a Senior Manager in their Strategic Initiatives team. She was briefly the Chief of staff and was further promoted to AVP – Capital Markets responsible for raising debt capital and management of investor/external stakeholder relationships for the firm.\n\nJennifer graduated with an honours degree from Shri Ram College of Commerce and is an MBA candidate at INSEAD. In her free time, she likes to travel, recreate gourmet meals in her kitchen, and curl up with a good book.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"siddharth\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">SIDDHARTH DHANKHAR</h2>\n<h3 class=\"pteam-member-position\">PROGRAM ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"siddharth\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nSiddharth has a dual degree from BITS Pilani with bachelor\'s degree in electronics engineering and a master\'s degree in economics. He\'s previously interned at Morgan Stanley, KPMG, among other companies.\n\nPrior to joining Catalyst, he spent about two years at Snapdeal working on partnerships &amp; strategic initiative projects.\n\nIn his spare time, he can be found debating, planning detailed vacation itineraries and outdoors. He has spent a summer working in financial crime investigation with Gurgaon Police.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"anand\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">ANAND RAMAN</h2>\n<h3 class=\"pteam-member-position\">TECHNICAL ADVISOR</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"anand\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nAnand enjoys learning and has moved between sectors and domain in his professional life -- from IT to telecom to television and lastly financial services. He has written code, managed projects, delivered products, sold and marketed them with stints at companies including Tech Mahindra, Idea Cellular, Star TV, Eko and IDmission Solutions. He wants to remain curious and in hopefully bring some change. He has interests in diverse and often utterly unrelated subjects.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"sowmya\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">SOWMYA NANJUNDAIAH</h2>\n<h3 class=\"pteam-member-position\">MARKETING, INCITE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sowmya\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nSince 2010, Sowmya has driven INCITE’s growth from a small startup into a full-service interactive agency operating out of the U.S., Europe and India. Earlier, she was responsible for corporate fund raising for the United Way in Massachusetts, helping America’s largest non-profit organization raise funds for outreach programs. On her return to India, Sowmya was part of the founding team of Nirvana, a Bengaluru-based BPO that services global clients. Here she defined the strategic vision and built key parts of the organization including product development and sales. As Head of the New York office, she was responsible for Nirvana’s expansion into the North American market. Sowmya then returned to India to co-found a successful wine company, Naka Wines. As CEO of Naka Wines, she was responsible for launching the brand across Karnataka and the USA.\n\nSowmya has an MBA from the prestigious University of Massachusetts.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"abhinav\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">ABHINAV VERMA</h2>\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"abhinav\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nAbhinav is a second-year undergrad pursuing a B.Sc. (Hons.) in Economics and Finance from Ashoka University. He is interested in social entrepreneurship and the potential of markets to promote economic development. His academic interests lie in financial inclusion and impact investing. Last winter, he organised a panel discussion at the Harvard-US India Conference to discuss the role of financial inclusion in Indian rural development.\n\nAbhinav is a budding entrepreneur. He started a e-commerce company to represent local manufacturers on e-commerce portals. On campus, he also started a food-delivery business. To relax, he enjoys swimming, photography, writing for his university’s newspaper, and trying new kinds of cuisine.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"priyanka\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">PRIYANKA ROYCHOUDHURY</h2>\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"priyanka\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nPriyanka worked with Centre for Policy Research in New Delhi in their project –Accountability Initiative- where she worked in the areas of public finance and public administration. As a Research Associate, she handled both quantitative and qualitative analytical work as well as worked on ground to implement PETS for the project.\n\nPriyanka holds a B.A. (Hons) Economics degree from Lady Shri Ram college for women and a PGD in Liberal Arts from Ashoka University. Apart from nurturing a career goal to step into policy work using her academic qualifications professionally, she continues to juggle her passion for community work through her community initiative- The WordsWorth Project- which engages youth volunteers to assist underprivileged kids with their English language development. She often uses the rest of her time to give life to her thoughts through blogging and doodling.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"maya\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">MAYA DURVASULA</h2>\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"maya\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nMaya combines academic interests in economic development and poverty alleviation with a wide array of experiences in research and multi-sectoral policy development &amp; implementation. Most recently, she co-led two nationwide behavioral economics experiments on HIV test uptake with a public health and social entrepreneurship laboratory in Guangzhou, China. She is interested in the ways in which microeconomic theory and behavioral insights can be used to design informal and formal social programs and institutions.\n\nMaya studies economics and mathematics as a Robertson Scholar at Duke University and will graduate in May 2018. She was named a 2017 United States Truman Scholar. In her free time, she can usually be found wandering through mountains and canyons in the American Southwest.</div>\n</div>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/6\"][vc_custom_heading text=\"SUMMER PROGRAM (BATCH OF 2018)\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23d11e3c|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\n<p style=\"text-align: center;\">Every year, we select a few passionately driven individuals with unique skills and interests that complement our current priorities.</p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" el_class=\"pmember-container\"][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1528191247772{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"adiraju\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/06/bharadwaj_adiraju.png\" alt=\"adiraju\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"adiraju\"> BHARADWAJ ADIRAJU</a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1528186523821{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Bharadwaj is pursuing an M.A. in Economics from the University of Hyderabad. Driven by his desire to solve socio-economic injustices, he was part of a team that conducted a study on the reasons for the drop-out of differently-abled students from Delhi University. </span></p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1528187251568{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"katyal\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/06/raghav_katyal.png\" alt=\"katyal\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"katyal\"> RAGHAV KATYAL </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494239528364{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Raghav studies Political Science and Economics at Ashoka University. He believes policy enables markets to drive socio-economic development.</span></p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1528191661212{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"khanna\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/06/samrudhi_khanna.png\" alt=\"khanna\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"khanna\">SAMRUDHI KHANNA </a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494240448187{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">With an undergraduate degree in financial markets and over two years of experience in investment banking research, Samrudhi has now decided to dive into a more impactful role within the space.</span></p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1528191710557{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"srinivasan\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/06/nithya.png\" alt=\"srinivasan\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"srinivasan\"> NITHYA SRINIVASAN</a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494334178467{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Nithya recently graduated in Economics from Miranda House, University of Delhi and is passionate about international development and economic research.</span></p>\n\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" el_class=\"pmember-container\"][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1528192317705{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"swallow\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/06/myla_swallow.png\" alt=\"swallow\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"swallow\"> MYLA SWALLOW\n</a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1528186523821{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Myla is interested in the intersection of normative philosophy and the realities of global economic development.</span></p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1528208150929{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"anupama\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/06/photos06.png\" alt=\"anupama\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"anupama\"> ANUPAMA MENON</a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494239528364{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Anupama is an undergraduate student of Electronics and Communication Engineering at the National Institute of Technology, Trichy, and was named a Cargill Global Scholar in 2017.</span></p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" offset=\"vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1545303910648{margin-bottom: 0px !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n\n<a class=\"toggle\" data-target=\"anupama\"><img src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/12/Kanika-1.png\" alt=\"Kanika\" /></a></div>\n<div>\n<h2 class=\"pmember-title\"><a class=\"toggle\" data-target=\"anupama\">KANIKA</a></h2>\n</div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"ASSOCIATE\" font_container=\"tag:h2|font_size:17px|text_align:center|color:%23383b3b|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1494239528364{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}\" el_class=\"pmember-position\"][vc_column_text text_color=\"#383b3b\" letter_spacing=\"\" el_class=\"lh24 pteam-content-container\"]\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Kanika is a seasoned communications expert and a story teller with 16 years of experience. She believes that a strong communications campaign can act as a catalyst in bringing about desired change. It can either make or break.</span></p>\n\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"image\" bg_color=\"#ffffff\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" visibility=\"visible-xs,visible-sm,visible-md,visible-lg,visible-xlg\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"]\n<div id=\"adiraju\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">BHARADWAJ ADIRAJU</h2>\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"adiraju\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">Bharadwaj is pursuing an M.A. in Economics from the University of Hyderabad. Driven by his desire to solve socio-economic injustices, he was part of a team that conducted a study on the reasons for the drop-out of differently-abled students from Delhi University. He intends to combine his interests in teaching and economics to pursue a career in teaching Currently, he is interested in investigating benefits of financial inclusion at the grass-roots and its impact on macroeconomic policies and indicators. In his free time, he enjoys relaxing and plays the Carnatic Classical violin and lawn tennis.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"anand\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">ANAND RAMAN</h2>\n<h3 class=\"pteam-member-position\">TECHNICAL ADVISOR</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"anand\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nAnand enjoys learning and has moved between sectors and domain in his professional life -- from IT to telecom to television and lastly financial services. He has written code, managed projects, delivered products, sold and marketed them with stints at companies including Tech Mahindra, Idea Cellular, Star TV, Eko and IDmission Solutions. He wants to remain curious and in hopefully bring some change. He has interests in diverse and often utterly unrelated subjects.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"sowmya\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">SOWMYA NANJUNDAIAH</h2>\n<h3 class=\"pteam-member-position\">MARKETING, INCITE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sowmya\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nSince 2010, Sowmya has driven INCITE’s growth from a small startup into a full-service interactive agency operating out of the U.S., Europe and India. Earlier, she was responsible for corporate fund raising for the United Way in Massachusetts, helping America’s largest non-profit organization raise funds for outreach programs. On her return to India, Sowmya was part of the founding team of Nirvana, a Bengaluru-based BPO that services global clients. Here she defined the strategic vision and built key parts of the organization including product development and sales. As Head of the New York office, she was responsible for Nirvana’s expansion into the North American market. Sowmya then returned to India to co-found a successful wine company, Naka Wines. As CEO of Naka Wines, she was responsible for launching the brand across Karnataka and the USA.\n\nSowmya has an MBA from the prestigious University of Massachusetts.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"abhinav\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">ABHINAV VERMA</h2>\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"abhinav\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nAbhinav is a second-year undergrad pursuing a B.Sc. (Hons.) in Economics and Finance from Ashoka University. He is interested in social entrepreneurship and the potential of markets to promote economic development. His academic interests lie in financial inclusion and impact investing. Last winter, he organised a panel discussion at the Harvard-US India Conference to discuss the role of financial inclusion in Indian rural development.\n\nAbhinav is a budding entrepreneur. He started a e-commerce company to represent local manufacturers on e-commerce portals. On campus, he also started a food-delivery business. To relax, he enjoys swimming, photography, writing for his university’s newspaper, and trying new kinds of cuisine.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"priyanka\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">PRIYANKA ROYCHOUDHURY</h2>\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"priyanka\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nPriyanka worked with Centre for Policy Research in New Delhi in their project –Accountability Initiative- where she worked in the areas of public finance and public administration. As a Research Associate, she handled both quantitative and qualitative analytical work as well as worked on ground to implement PETS for the project.\n\nPriyanka holds a B.A. (Hons) Economics degree from Lady Shri Ram college for women and a PGD in Liberal Arts from Ashoka University. Apart from nurturing a career goal to step into policy work using her academic qualifications professionally, she continues to juggle her passion for community work through her community initiative- The WordsWorth Project- which engages youth volunteers to assist underprivileged kids with their English language development. She often uses the rest of her time to give life to her thoughts through blogging and doodling.</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"maya\" class=\"team-profile-container\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\">MAYA DURVASULA</h2>\n<h3 class=\"pteam-member-position\">ASSOCIATE</h3>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"maya\">X</a></div>\n</div>\n<div class=\"pteam-member-details\">\n\nMaya combines academic interests in economic development and poverty alleviation with a wide array of experiences in research and multi-sectoral policy development &amp; implementation. Most recently, she co-led two nationwide behavioral economics experiments on HIV test uptake with a public health and social entrepreneurship laboratory in Guangzhou, China. She is interested in the ways in which microeconomic theory and behavioral insights can be used to design informal and formal social programs and institutions.\n\nMaya studies economics and mathematics as a Robertson Scholar at Duke University and will graduate in May 2018. She was named a 2017 United States Truman Scholar. In her free time, she can usually be found wandering through mountains and canyons in the American Southwest.</div>\n</div>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#ffffff\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" bg_image=\"7841\"][vc_column][vc_row_inner css=\".vc_custom_1483453346740{margin-bottom: 30px !important;}\"][vc_column_inner][vc_custom_heading text=\"ADVISORS\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23d11e3c|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24 ptitle-border-red\"]Catalyst\'s advisors being deep sector expertise and thought leadership to guide our strategy and implementation.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1483514478888{margin-bottom: 30px !important;}\"][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"ALLEN WEINBERG\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1486445347167{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fwww.linkedin.com%2Fin%2Fallen-weinberg-0155%3Ftrk%3Dprof-samename-name||target:%20_blank|\"][vc_custom_heading text=\"Partner/Co-Founder\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487851713182{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"Glenbrook Partners\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1486444189952{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"LEORA KLAPPER\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1498630768489{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fwww.linkedin.com%2Fin%2Fleora-klapper-24105478||target:%20_blank|\"][vc_custom_heading text=\"Lead Economist\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1498630865051{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"World Bank\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1498630903695{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"NITIN MANTRI\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488797685329{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fwww.linkedin.com%2Fmessaging%2Fthread%2F6242557045191606272%2F||target:%20_blank|\"][vc_custom_heading text=\"CEO\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488797709804{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"Avian Media\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488797719470{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"PAWAN BAKHSHI\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1498735370480{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fwww.linkedin.com%2Fin%2Fpawan-bakhshi-ph-d-7461411%2F||target:%20_blank|\"][vc_custom_heading text=\"India Lead - Financial Services for the Poor\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488797833022{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"Bill &amp; Melinda Gates Foundation\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488797847586{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1486444525955{margin-bottom: 30px !important;}\"][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"PRAVEEN KHANDELWAL\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1486445418505{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fin.linkedin.com%2Fin%2Fpraveen-khandelwal-95b68614||target:%20_blank|\"][vc_custom_heading text=\"Secretary-General\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487851739567{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"Confederation of All India Traders\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1486444491047{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"RAJESH BANSAL\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1486445506996{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fwww.linkedin.com%2Fin%2Frajesh-bansal-b81b8655||target:%20_blank|\"][vc_custom_heading text=\"Senior Partner\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487851763311{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\" Bankable Frontier Associates\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487852170655{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"RENANA JHABVALA\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487851646864{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"National Coordinator\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487851685527{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"SEWA Bank\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487851730358{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"SMITA AGGARWAL\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488797535842{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fwww.linkedin.com%2Fin%2Fsmitaaggarwal0%2F||target:%20_blank|\"][vc_custom_heading text=\"Director - Investments\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488805228673{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"Omidyar Networks\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488805290165{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1486444525955{margin-bottom: 30px !important;}\"][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"VARAD PANDE\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485524261697{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fin.linkedin.com%2Fin%2Fvarad-pande||target:%20_blank|\"][vc_custom_heading text=\"Financial Inclusion Partner\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487851790538{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"Dalberg Social Advisors\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:26px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1486448801652{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"VIVEK WADHWA\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1497429263011{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fwww.linkedin.com%2Fin%2Fvwadhwa%2F||target:%20_blank|\"][vc_custom_heading text=\"Distinguished Fellow\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1497432554753{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"Carnegie Mellon University\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:26px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1497432533660{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#ffffff\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" bg_image=\"7841\"][vc_column][vc_row_inner disable_element=\"yes\" css=\".vc_custom_1507546027858{margin-bottom: 30px !important;}\" el_class=\"phide\"][vc_column_inner][vc_custom_heading text=\"STEERING COMMITTEE\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23d11e3c|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488897245055{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24 ptitle-border-red\"]Catalyst\'s Steering Committee represents current donors and IFMR to provide governance and oversight.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner disable_element=\"yes\" css=\".vc_custom_1507546058003{margin-bottom: 30px !important;}\" el_class=\"phide\"][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"CATHERINE HIGHET\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485524574339{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fwww.linkedin.com%2Fin%2Fcatherine-highet-a924094||target:%20_blank|\"][vc_custom_heading text=\"Technical Advisor\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485524589333{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"mSTAR at FHI 360\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487851957847{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"MATTHEW HOMER\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485524352186{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fwww.linkedin.com%2Fin%2Fmatthomer||target:%20_blank|\"][vc_custom_heading text=\"Senior Policy Advisor, Digital Finance\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485524369704{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"USAID (Washington, D.C.)\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487851977845{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"MUKESH SADANA\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1486124189989{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fin.linkedin.com%2Fin%2Fmukeshsadana||target:%20_blank|\"][vc_custom_heading text=\"Project Management Specialist\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485524452125{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"USAID (New Delhi)\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487851994689{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_custom_heading text=\"SHARON BUTEAU\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485524505107{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fin.linkedin.com%2Fin%2Fsharon-buteau-25b0452||target:%20_blank|\"][vc_custom_heading text=\"Executive Director\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485524522184{margin-top: 0px 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font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485524369704{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"USAID (Washington, D.C.)\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487851977845{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner el_class=\"phide\" width=\"1/4\"][vc_custom_heading text=\"MUKESH SADANA\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1486124189989{margin-bottom: 0px !important;padding-bottom: 0px !important;}\" link=\"url:https%3A%2F%2Fin.linkedin.com%2Fin%2Fmukeshsadana||target:%20_blank|\"][vc_custom_heading text=\"Project Management Specialist\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485524452125{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][vc_custom_heading text=\"USAID (New Delhi)\" font_container=\"tag:h2|font_size:22px|text_align:left|color:%23383b3b|line_height:28px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487851994689{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"9937\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1526060498257{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\n<p style=\"text-align: center;\">CATALYST is an initiative funded by USAID under the mSTAR Program, through funding provided to FHI 360. Housed within IFMR LEAD, the initiative aims to expand digital payments and financial inclusion in India, especially for small merchants and low-income consumers.</p>\n\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\n\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'People', '', 'inherit', 'closed', 'closed', '', '8130-autosave-v1', '', '', '2018-12-21 07:00:32', '2018-12-21 07:00:32', '', 8130, 'https://cashlesscatalyst.org/media/8130-autosave-v1/', 0, 'revision', '', 0);
