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(40398, 23, '2019-02-06 10:17:29', '2019-02-06 10:17:29', '[vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"image\" bg_position_horizontal=\"center\" padding_top=\"65px\" padding_bottom=\"65px\" bg_image=\"25433\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner width=\"1/6\"][vc_single_image image=\"10108\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-visible\" css_animation=\"el-fade\"][/vc_column_inner][vc_column_inner width=\"5/6\"][vc_custom_heading text=\"Catalyst FINposium 10\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23ffffff|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1531984120377{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]<strong>Event:</strong> Developing Business Models for Mass Digital Payments in India\n<strong>Date:</strong> August 8<sup>th</sup>, 2018\n<strong>Location:</strong> Grand Hyatt, Santacruz (East), Mumbai, India\n\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\" padding_bottom=\"0\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"INTRODUCTION\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23383b3b|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1534942548653{margin-top: 30px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]Catalyst organized a day-long FINposium, titled, \'Developing Business Models for Mass Digital Payments in India\', in Mumbai on August 8<sup>th</sup>, 2018. The discussions aimed at identifying new potential strategies to deepen digital payments acceptance and financial inclusion in the small business segment. It brought together key stakeholders from diverse industries, including financial and digital service providers, fintech companies, banks, supply chain players, and industry aggregators.\n\nThe workshop witnessed the launch of Catalyst and PRICE’s joint research titled, <a href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/05/price_report-web.pdf\">‘Mapping the Merchant’s Mind – An Analysis of Digital Payment Behaviors by Fixed Store Merchants in Jaipur’.</a>\n\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_custom_heading text=\"OBJECTIVES\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23383b3b|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1534942561810{margin-top: 30px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\n<ul class=\"pclist-red\">\n 	<li>Discuss learnings from the ground and identify potential ecosystem strategies to deepen digital payments acceptance and financial inclusion</li>\n 	<li>Learn and offer new insights that can be used by practitioners to design meaningful value propositions for small businesses</li>\n 	<li>Share stream of action learnings from Catalyst’s ongoing operational activities in its <a href=\"https://cashlesscatalyst.org/digital-payment-lab/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #d11e3c;\"><strong>Digital Payments Lab</strong></span></a> and <a href=\"https://cashlesscatalyst.org/incubator/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #d11e3c;\"><strong>Fintech for the Last Mile incubator program, </strong></span></a>and</li>\n 	<li>Highlight insights based on the joint research conducted by Catalyst and People Research on India’s Consumer Economy (PRICE)</li>\n</ul>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_custom_heading text=\"PANEL DISCUSSION\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23383b3b|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1534942748114{margin-top: 30px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\n\n<strong>Digitizing merchant payments in India: Opportunities and strategies to promote adoption </strong>\n\nModerator : Rama Bijapurkar, Chairperson, PRICE\n\nThe power-packed panel clearly highlighted what has been tried, what worked, what did not, and further focused on discussing the following – assessing the nature of the opportunity for solution providers and the last mile audience, challenges and insights into the problems, solutions, strategies for the future, and \'must-have\' enablers.\n\nThe discussions focused on opportunities for ecosystem players to develop innovative solutions and business models, understanding challenges in taking these strategies to the market, answering the key question for merchants (what’s in it for me?), and considerations for future actions.\n\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_video link=\"https://www.youtube.com/watch?v=mDFIaHS1u1k\" align=\"center\"][vc_empty_space][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_custom_heading text=\"KEY INSIGHTS\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23383b3b|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1534943974768{margin-top: 30px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\n<ul>\n 	<li><strong>The inevitable role of technology breakthroughs</strong> – Taking technology to potential users to build business out of it and add value for customers and businesses</li>\n 	<li><strong>Credit as a hook and collections are key drivers</strong> – For adoption and acceptance of digital payment solutions among micro and small merchants across the ecosystem – suppliers, distributors and retailers</li>\n 	<li><strong>Digital and physical access to services and solutions</strong> - Both are important drivers in reaching out to potential users for universal inclusion</li>\n 	<li><strong>Challenge of building digital payments acceptance at scale in India</strong> – To get a meaningful number of users beyond aspiration i.e.to include everyone to make digital financial inclusion a reality</li>\n 	<li><strong>Innovation is key to building strategies to reach the last mile audience</strong> – It is vital to build deeper context on small business profiles, needs, behaviors, and perceptions before a solution or a service is introduced for its acceptance and adoption and</li>\n 	<li><strong>Are merchants making more money? What’s in it for merchants?</strong> – These are few questions that digital payment solution providers should be able to answer to get the micro, medium, and small merchants on board</li>\n</ul>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_custom_heading text=\"ALL ABOUT CONTEXT: Urban and Rural Use Cases \" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23383b3b|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1534943984729{margin-top: 30px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\nWhile a confluence of government and industry initiatives have increased non-cash payments, this has been confined mostly to peer-to-peer use cases. The discussions here focused on deliberating some evidence-based approaches to digitize mass payments. This session showcased learnings from emerging business models and use cases on payments digitization and financial inclusion across urban and rural areas.\n\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" padding_top=\"0\" padding_bottom=\"20\"][vc_column][vc_custom_heading text=\"RESOURCES\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23383b3b|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1534943992080{margin-top: 30px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\n<p class=\"underline\"><a href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/08/F10-agenda.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Agenda</a></p>\nPresentations\n<ul class=\"pclist-red underline\">\n 	<li><a href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/08/digitizing_fixed_store_merchants.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Digitizing fixed store merchants</a></li>\n 	<li><a href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/08/digitizing_supply_chain_payments.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Digitizing supply chain payments</a></li>\n 	<li><a href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/08/low_income_BB_final.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Building integrated digital finance models for an urban low-income cluster</a></li>\n 	<li><a href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/08/remote_payment_use_case.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Digitizing small vendors with remote collections needs</a></li>\n 	<li><a href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/08/credit_as_a_hook.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Credit as a hook to induce digital payment adoption</a></li>\n</ul>\nInsights from Catalyst-PRICE study on\n<ul class=\"pclist-red underline\">\n 	<li><a href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/08/MAPPING_THE_MERCHANTS_MIND.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Mapping the Merchant\'s Mind- An Analysis of Digital Payment Behaviors of Micro Merchants in Jaipur</a></li>\n</ul>\n[/vc_column_text][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]The session further captured delegates\' brainstorm on key challenges in operationalizing digital payment business models in India, keeping the use cases discussed in the previous session as reference, and identifying potential strategies to address these barriers in building digital payments acceptance at scale.\n\nThe workshop concluded with deliberations on challenges and opportunities for ecosystem players to develop innovative and needs-based payment solutions and business models for the \'last mile\' consumers and merchant – <strong>how they interact with financial tools, what are their barriers, and what are the value propositions that induce them to transact digitally.</strong>\n\n[/vc_column_text][vc_empty_space height=\"50px\"][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"7886\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549447633759{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]', 'Partner Convening 10', '', 'inherit', 'closed', 'closed', '', '24681-autosave-v1', 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(40399, 23, '2019-02-06 10:17:30', '2019-02-06 10:17:30', '[vc_row full_height=\"yes\" equal_height=\"yes\" content_placement=\"middle\" text_align=\"center\" type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"110\" padding_bottom=\"0\" bg_image=\"24295\"][vc_column][kleo_gap size=\"100px\"][vc_row_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][vc_column_inner el_class=\"uppercase\" width=\"2/3\"][vc_custom_heading text=\"UNLOCKING FINANCE FOR SMALL MERCHANTS - FROM DIGITAL DATA TO DIGITAL CREDIT\" font_container=\"tag:h2|font_size:48px|text_align:center|color:%23ffffff|line_height:54px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"130px\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"10\" padding_bottom=\"0\"][vc_column width=\"1/2\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"5/12\" css=\".vc_custom_1504265033147{padding-right: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1504265063058{padding-left: 0px !important;}\"][vc_column_text letter_spacing=\"\"][addtoany][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1504265782417{padding-right: 0px !important;padding-left: 0px !important;}\"][kleo_button title=\"Print this page\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/09/unlocking-finance-small-merchants.pdf\" target=\"_blank\" style=\"custom\" position=\"left\" size=\"lg\" special=\"no\" border=\"no\" icon=\"print\" font_size=\"16px\" letter_spacing=\"\" el_class=\"grey-icon\" custom_text=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"24312\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1531318139818{padding-top: 17px !important;}\"][/vc_column_inner][vc_column_inner width=\"3/4\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]Kamal Singh, a 40-year-old tea vendor in the walled city area of Jaipur has been running his family’s tea shop for two generations. As we arrive, Kamal is busy serving tea and biscuits to office-goers who are sitting on a row in a small iron bench outside the shop. Rakesh Singh, his 70-year-old father, is mixing milk and tea in a burning aluminum vessel in a corner in the shop.\n\nThe visible inventory in the shop is scant – a couple of big glass jars filled with biscuits, a few packets of plastic tea cups and some freshly bought sachets of milk from the local diary. Early on in our conversation, Kamal tells us that he needs around one lakh rupees to expand his business. While he did apply for a loan from a formal financial institution, his application was rejected.\n\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"100\" padding_bottom=\"100\" el_class=\"uppercase\" bg_image=\"24303\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"24296\" alignment=\"center\"][vc_custom_heading text=\"FINANCING THE ‘MISSING MIDDLE’ \" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23ffffff|line_height:46px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1533035782314{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]Millions of microentrepreneurs such as Kamal are unable to access working capital loans from banks and financial institutions due to lack of formal financial histories. In such a scenario, digitizing merchant payments generate data trails that can be used by a financial service provider to assess the credit worthiness of small merchants and extend loans.\n\nAs part of a pilot initiative to test this hypothesis, Catalyst has partnered with a financial service provider to provide a sample of small merchants with a Point of Sale (PoS) machine to digitize payments by customers. During the onboarding process for the pilot, we demonstrate the PoS machine to Kamal and help him with instructions on how to operate it. We also tell him that if he encourages his customers to pay by card even for small transactions – a lending agency will be able to see his monthly transaction data, and offer him a formal loan. Once a small ticket size loan is disbursed by the lender, the daily interest payment due on the loan can be deducted directly from the payments received from the card swipes at the POS. Kamal is intrigued by the proposition and seems convinced that using the POS machine can help him get a loan.\n\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\"][vc_column][vc_single_image image=\"24305\" alignment=\"center\"][vc_custom_heading text=\"HIGH COSTS - A BARRIER TO GOING DIGITAL \" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23000000|line_height:46px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1533035845782{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]Following the onboarding to the machine, we explain to Kamal the upfront cost and the rental cost of buying and maintaining a PoS machine. At this stage, we see a hesitation on Kamal’s face. The upfront cost of buying the machine is upwards of Rs. 2000 and he needs to pay an additional rental fee of Rs. 250 per month to maintain this machine. These costs are over and above the daily interest on the loan amount that he wishes to borrow.\n\n“The cost of buying and renting the machine is quite high for me. It is also challenging to convince my customers to pay digitally for small transactions.”\n\nHearing about the various indirect costs associated with acquiring and using the PoS machine, Kamal’s interest in the loan product has visibly dwindled. Moreover, his customers undertake transactions of small ticket sizes and he is doubtful about nudging them to pay him digitally.\n\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"100\" padding_bottom=\"100\" el_class=\"uppercase\" bg_image=\"24297\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner][vc_single_image image=\"24308\" alignment=\"center\"][vc_custom_heading text=\"LEARNING BY ITERATING\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23ffffff|line_height:46px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1533035881798{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\"]\nOur conversations with Kamal gives us important insights into the operational challenges related to testing our hypotheses of bundling digital payments with credit propositions. We are back to the drawing board and are working on an iteration of the pilot.\n\nIn the next phase, we will introduce a no/low cost payment alternative for small merchants such as Unified Payments Interface (UPI) to help them overcome the cost barriers associated with purchasing and renting a PoS machine. Using our iterative design and learning process, we will also continue to gather deeper insights into the factors that influence merchants and the customer’s willingness to adopt digital payments for small transactions at retail shops such as the one run by Kamal and his family.\n\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row][vc_column][kleo_button title=\"Download\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/09/unlocking-finance-small-merchants.pdf\" target=\"_blank\" position=\"center\" size=\"lg\" type=\"boxed-icon\" special=\"no\" icon=\"download\" font_size=\"14\" letter_spacing=\"\" el_class=\"pkirbtn\" icon_custom_background=\"#d11e3c\" icon_custom_text=\"#ffffff\"][/vc_column][/vc_row]', 'Unlocking finance for small merchants — from digital data to digital credit', '', 'inherit', 'closed', 'closed', '', '24294-autosave-v1', '', '', '2019-02-06 10:17:30', '2019-02-06 10:17:30', '', 24294, 'https://cashlesscatalyst.org/media/24294-autosave-v1/', 0, 'revision', '', 0);
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(40401, 23, '2019-02-06 10:20:25', '2019-02-06 10:20:25', '[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=\"22795\"][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=\"MERCHANT PERSPECTIVES ON THE BHIM EXPERIENCE\" 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/2018/07/BHIM-Learning-Note.pdf\" target=\"_blank\" style=\"custom\" position=\"left\" size=\"lg\" special=\"no\" border=\"no\" icon=\"print\" font_size=\"16px\" letter_spacing=\"\" el_class=\"grey-icon\" custom_text=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_row_inner][vc_column_inner width=\"1/2\"][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_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]Since its introduction in August 2016, the Unified Payments Interface (UPI) has been a game changer for the digital payments ecosystem in India. The interface allows bank customers to make payments to another bank account on a real-time basis using the Immediate Payment Service (IMPS). The National Payments Corporation of India’s BHIM application, which is based on the UPI interface, was one of the first few UPI applications to gain traction among users. As part of its Digital Payments Lab in Jaipur, Catalyst piloted a merchant-centric UPI awareness and adoption campaign in a market cluster of nearly 400 retail outlets, Barkat Nagar, surrounded by a dense residential locality. The objective of the campaign was to enable merchants to accept payments via UPI-enabled applications at the point of sale, using Quick Response (QR) code stickers. It also endeavoured to test the suitability of the QR-based UPI solution for small merchants, and analyse the role of financial incentives and handholding models as an intervention to boost adoption and use by merchants and customers. [/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\" css=\".vc_custom_1530610399307{padding-top: 50px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]A follow-up survey was conducted four months after the campaign’s launch, to garner feedback from a sample of users as well as non-adopters.\r\n\r\nThis note discusses learnings and insights from Catalyst’s pilot UPI awareness and activation campaign, followed by insights from the feedback survey that was conducted in March 2018. It provides an analytical perspective on the features that work in favour of BHIM, and barriers to its wider adoption and use. From a use perspective, insights suggest that the BHIM application faces stiff competition from other UPI applications and payment platforms in the market. The authors make a case for reorienting BHIM as an ‘ecosystem enabler’ and propose two strategies to this end.\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"150\" padding_bottom=\"150\" bg_image=\"22797\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"BHIM - SETTING THE STAGE FOR A NEW INTERFACE\" 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_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 width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]The Bharat Interface for Money (BHIM), a mobile application launched by NPCI in 2016, allows users to make account-to-account transfers using the Unified Payments Interface (UPI). Launched by the Government of India on the back of the withdrawal of legal tender of bank notes in denominations of Rs.500 and Rs.1000, BHIM was an integral constituent of the push towards a less cash ecosystem in the country. A nation-wide awareness and marketing campaign conducted at the time of the launch of the application, followed by promotional schemes for merchants and customers, translated into 19 million downloads between December 2016 and March 2017. Moreover, BHIM has been successful in generating mass awareness about a new interface (UPI), and spurring the creation of a UPI app ecosystem with nearly 40 applications in the market today[/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\"]BHIM UPI users have the option to make payments using a virtual payment address (VPA) or by scanning a Quick Response (QR) code. As a form factor, the QR code is easy to use, and offers a user experience that is closer to cash as compared to other payment solutions such as cards. Once the QR code has been generated using the BHIM application, the merchant has to simply display the code at a prominent location in his/her establishment, and the customer can scan and pay on the go. In countries such as China, QR codes are playing an important role in building last-mile acceptance for proximity payments even among low-income merchant segments. As of 2016, a third of the mobile payments done through WeChat and Alipay combined ($ 7.9 tn.) were using QR codes.[/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=\"22798\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"ENABLING SMALL MERCHANTS TO USE UPI\" 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_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 width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]In October 2017, Catalyst implemented a pilot project to assess the suitability of UPI as a payment solution for small retail merchants and test the role of financial incentives in driving adoption and sustained use. The project tested the suitability of two UPI-enabled applications– NPCI’s BHIM UPI and Flipkart’s PhonePe.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]Barkat Nagar in Jaipur was chosen for this survey because it is a major mixed-use market that is surrounded by a dense residential colony. It is frequented by a younger demographic that may be more amenable to digital payments adoption. Moreover, there is a fair penetration of prepaid digital wallets among merchants in the market which indicates a certain level of pre-existing digital payment awareness and familiarity.\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]\r\n\r\nThe pilot campaign was conducted in partnership with NPCI and PhonePe and they provided the data for transactions on the respective platforms. It comprised of the following phases:\r\n\r\n[/vc_column_text][vc_single_image image=\"22742\" img_size=\"full\" alignment=\"center\"][vc_row_inner css=\".vc_custom_1530619463277{padding-top: 50px !important;padding-bottom: 50px !important;}\"][vc_column_inner][kleo_divider][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"GENERATING AWARENESS AND IDENTIFYING LEADS\" 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\r\nA 10-day awareness campaign to emphasize the benefits and ease of using QR-based digital payments was conducted in the market cluster using a combination of feet-on-street activities and kiosks that were set up in various locations inside the market, with support from the local market association. Learnings from a prior experiment conducted by Catalyst in the same market suggest that door-to-door marketing campaigns and kiosks across prominent locations in the market prove successful in garnering merchant interest. Moreover, proprietors of small retail businesses are typically strapped for time and manpower, and may find it challenging to step away from the store to participate in awareness campaigns. Drawing on this insight, multiple touch points were used to reach out to small merchants and consumers in the market and its vicinity, with the assumption that these activities would create awareness among a critical mass of people and spur two-sided network effects of payments.\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\" css=\".vc_custom_1530618633117{padding-top: 50px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]Nearly 40,000 flyers were circulated in Barkat Nagar through newspapers, an additional 15,000 flyers were distributed through kiosks in the market, and 5,000 flyers were distributed by merchants to their customers. To improve the effectiveness of the awareness campaign, the information was packaged and delivered through collaterals in the local language. It consisted of information on steps to use the QR code to make payments, details about the incentive schemes for merchants and consumers (Table 1) and list of shops that would accept payments through the UPI QR code.\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][vc_column_inner width=\"2/3\"][vc_single_image image=\"22745\" img_size=\"large\" alignment=\"center\"][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1530619463277{padding-top: 50px !important;padding-bottom: 50px !important;}\"][vc_column_inner][kleo_divider][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner][vc_custom_heading text=\"HANDHOLDING THROUGH ONBOARDING AND ASSISTED USE\" 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 the BHIM application and the UPI-based technologies were relatively new in the market at the time, handholding merchants through the onboarding process and assisting them to try the solution at no-cost/ risks formed a key part of the campaign. Merchants who expressed interest in adopting the solution during the outreach campaign were assisted with the onboarding process on BHIM, generation of QR and printouts of QR code stickers. They were also given detailed information regarding the incentive schemes for them as well as consumers and provided with collaterals illustrating steps to pay via QR code.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1530619463277{padding-top: 50px !important;padding-bottom: 50px !important;}\"][vc_column_inner][kleo_divider][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"ONGOING MONITORING OF USE, NUDGES AND AWARD OF INCENTIVES\" 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 mid-October 2017, month on month data on transactions conducted via BHIM UPI has been tracked for the sample of adopters (69).\r\n\r\nData from NPCI suggests that while UPI transactions in India have seen a consistent rise in volume and value in 2017-18, BHIM’s share in UPI transactions has not seen a concomitant increase. Transaction data shared by NPCI for merchants in our sample for November 2017-February 2018 also suggests that while there was significant interest in adoption at the time of the outreach campaign, it did not translate into high adoption rates and sustained use on a month on month basis. On an average, only 14 out of the 69 merchants (about 20%) of BHIM adopters were using it actively. (A merchant was classified as an active user if he/she had conducted more than five digital transactions for at least two of the four months.)[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\" css=\".vc_custom_1530690741893{margin-top: -32px !important;}\"][vc_single_image image=\"22752\" img_size=\"full\" alignment=\"center\"][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1530619463277{padding-top: 50px !important;padding-bottom: 50px !important;}\"][vc_column_inner][kleo_divider][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner][vc_custom_heading text=\"FEEDBACK EXERCISE\" 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\"]Feedback from merchants in the first month of the campaign suggested that the minimum threshold of 30 transactions in a month, and 20 unique transactions to avail the financial incentives was relatively high. The initial design of the incentives was modified based on this input - the monthly threshold was reduced to 20 transactions and the criterion of unique transactions was relaxed. Based on usage data for November 2017, the first cohort of winners was awarded the financial incentives at a ceremony conducted in January 2018. To understand the potential factors responsible for the low adoption and usage rates, a follow-up survey was conducted through in-depth interviews with a sample of 25 merchants from those who were targeted as part of the outreach campaign for the intervention. The sample for the follow-up dipstick study included 20 merchants who had adopted BHIM QR and five merchants who did not adopt it, for various reasons. The adopters consisted of a combination of active and inactive users. A merchant was classified as an active user if he/she had conducted more than five digital transactions for at least two months during the study. The 20 adopters consisted of six active users, seven users who reported low to moderate transaction levels, and seven non-users (merchants who were on-boarded to the application but did not undertake any transactions).[/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=\"22799\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"KEY INSIGHTS\" 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_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 width=\"1/2\"][vc_custom_heading text=\"DRIVERS FOR ADOPTION AND USE \" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23383b3b|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]<strong>i.Seamless transfers between accounts</strong>\r\n\r\nMerchants acknowledge the convenience of account-to-account transfer offered by BHIM as against the manual/ lagged credit of payments to their bank accounts in the case of prepaid wallets. This played an important role in encouraging trial and adoption of BHIM in the pilot. Nearly 50% of BHIM adopters interviewed in the feedback exercise found the account-to-account transfer facility as a defining feature of the application. It is important to note that merchant’s frame of reference for digital payments mainly consisted of prepaid wallets such as Paytm which did not have the UPI functionality at the time. Thus, in relation to e-wallets such as Paytm, BHIM UPI and PhonePe offered a more seamless payment experience.\r\n\r\n<strong>ii.Trust </strong>\r\n\r\nThe perception of trust associated with an application endorsed by the Government of India, coupled with the nationwide marketing campaign at the time of launch were motivating factors for adoption as well.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\" css=\".vc_custom_1530620238439{padding-top: 50px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]This trust may be due to an implicit understanding of it being a “safer” means to pay. 10% of the adopters cited this as a reason for adoption/important feature of BHIM.\r\n\r\n<strong>iii.Handholding to on-board </strong>\r\n\r\nFeedback from merchants suggests that the extensive handholding and assistance in carrying out actual transactions played an important role in encouraging them to try the technology. More than 30% of the adopters alluded to this in the survey. While such go-to-market models may be difficult to scale across markets, it is important to acknowledge the need to support assisted use of new technologies and solutions among users who are in the early stages of digital payments use and adoption.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1530619463277{padding-top: 50px !important;padding-bottom: 50px !important;}\"][vc_column_inner][kleo_divider][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"BARRIERS TO ADOPTION AND SUSTAINED USE\" 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\r\nLow merchant acceptance of digital payments remains a barrier to widespread adoption of digital payments at the last-mile – nearly 40 million merchants still do not accept any form of digital payments. In our study as well, while merchants exhibited a fair level of awareness and familiarity with digital payment solutions, their share in overall transaction values is not significant. Our study suggests that merchant adoption is motivated by a combination of factors which include reducing on-boarding frictions, incentives such as cashbacks and rewards, and preferences of transacting counterparties such as customers and suppliers. The qualitative survey conducted as part of the project suggests that the following barriers may have played an important role in influencing merchant’s adoption and subsequent use of BHIM:\r\n\r\n<strong>i.On-boarding frictions</strong>\r\n\r\nThere were some bottlenecks in signing up on the BHIM application, such as:\r\n<ul>\r\n 	<li>After linking the bank accounts with the application, it asks the user to set a UPI PIN. For that the user is required to put in the last 6 digits of the debit card and the expiry date. Because of this, some merchants who did not have a debit card linked to their current accounts could not on-board on BHIM as they did not want to link their savings account to BHIM.</li>\r\n 	<li>Some merchants also encountered issues in the process of getting the OTP to register on the application.</li>\r\n</ul>\r\n&nbsp;\r\n\r\n<strong>ii.Stickiness of cash in merchant ecosystem</strong>\r\n\r\nAlthough merchants were using apps like Paytm and BHIM for business purposes, the total value of such transactions did not account for a significant proportion of their business operations. Almost 30% of the 25 merchants interviewed revealed that majority of their transactions were in cash, primary reasons being that customers prefer cash and suppliers also had to be paid in cash. The stickiness of cash is also reflected in a study that Catalyst conducted in collaboration with PRICE. In the study, 55% of the non-adopters of digital payments cited lack of customer demand as one of the primary reasons for non-adoption.\r\n\r\n&nbsp;\r\n\r\n<strong>iii.Weak Incentive Design </strong>\r\n\r\nFinancial incentives such as cashbacks/referral bonuses offered by other applications (like Paytm) in the market were seen as more lucrative by merchants and customers as compared to the incentives on BHIM, as at the time of the study, incentives on BHIM were significantly lower than other applications. The process for availing rewards/cashbacks from referrals is fairly simple in these applications as well. Moreover, they offer customers the flexibility to use the cashbacks and rewards in multiple ways such as utility bill payments, in-app purchase of goods and services or payments at locations like petrol pumps and movie theatres. Additionally, they offer rewards on mobile recharges, bill payments among other payment use-cases.\r\n\r\nThe drawback in the initial incentive scheme has been addressed to an extent with NPCI’s announcement of a revised scheme of incentives for on-boarding and use, in April 2018. This includes a cashback of INR 51 for customers successfully completing their first financial transaction, cashbacks of upto INR 750 for users registered as customers, and cashbacks of upto INR 1,000 for users registered as merchants linked with minimum transaction values and volumes.\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\" css=\".vc_custom_1530620238439{padding-top: 50px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]<strong>iv. Low awareness and demand for BHIM in merchant ecosystem </strong>\r\n\r\nMerchants also reported lack of awareness among customers and subsequent demand from them to pay via BHIM as an important reason for the low use of BHIM. While the revised incentive schemes for BHIM referrals and cash back mentioned above could give a fillip to transactions, low awareness and adoption among customers remain a barrier to sustained use by merchants.\r\n\r\nThe low demand for BHIM in relation to payment solutions such as e-wallets and other UPI applications may be a function of the first mover advantage that incumbent service providers enjoy in the market. Being early in the market has allowed private payment service providers to establish a wide network of merchants and customers and facilitate easy recall value, which are important determinants of success in a two-sided market like payments. Moreover, entities such as Paytm have invested heavily in online and offline marketing campaigns, which has strengthened brand recall among customers as well as merchants.\r\n\r\n<strong>v. Limited Use Cases </strong>\r\n\r\nThe limited range of use cases of the BHIM application at the time of its launch, as compared to other digital payment offerings in the market is also an influencing factor. Given the competition in the payments ecosystem, providing differentiated features is important for payment service providers to incentivise users to choose one solution over another.\r\n\r\nOur study also reveals that users value such product differentiation significantly. Illustratively, PhonePe and Paytm both have a PPI license and on the one hand allow account-to-account transfer through UPI and on the other, allow the customer to use the PPI balance for making in-app purchases of goods and services from the merchants on-boarded on the platform. Additionally, they provide options to make bill payments and mobile recharges, among other facilities. Until recently, BHIM was primarily a conduit for account-to-account transfer and has been upgraded to include a bill payments feature as well.[/vc_column_text][vc_single_image image=\"22744\" img_size=\"full\" alignment=\"center\"][/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=\"22800\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"RE-IMAGINING BHIM\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=\"\"][/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 width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]In a move to spur greater adoption of UPI and facilitate recall value among users, all bank-led UPI applications in the market have been rebranded with the prefix ‘BHIM UPI’.15 This implies a change in nomenclature at the front-end of these applications (e.g. BHIM SBI Pay/BHIM Axis Pay), while they continue to operate on the UPI interface. Thus, on one hand, the BHIM application is a platform that enables merchants and customers to make UPI-based payments, and on the other hand, it has been positioned as a larger entity which is synonymous with the UPI interface.\r\n\r\nIn light of these developments in the larger BHIM/UPI ecosystem, and the demand-side constraints in scaling the BHIM application articulated above16, there is a strong case for reimagining BHIM as an ecosystem enabler – beyond its role as a payments application.[/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\"]This proposition is based on a combination of factors which suggest that BHIM is uniquely placed to play such a role in the ecosystem. These include the large volumes of transactional data available on the platform which can be opened up to further innovation through secure APIs, promoter NPCI’s organic linkages with banks and complementarities of value added services with payments. We make a case for two ways in which the BHIM ecosystem can be creatively reimagined below.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1530619463277{padding-top: 50px !important;padding-bottom: 50px !important;}\"][vc_column_inner][kleo_divider][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"BHIM AS AN AGGREGATOR OF FINANCIAL SERVICES\" 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\"]Presently, 92 banks are live on BHIM and it has recorded 58.16 million transactions in 2018. Further, the BHIM mobile application has been downloaded on 28.9 million devices, meaning that it contains data about consumer and merchant transactions. This data can be accessed by developers (in compliance with best practices to safeguard users’ data privacy), financial services providers and other Fintech companies for building “Over the Top” applications and complimentary products that may be offered within the BHIM app interface. Enabling secure access to data aggregated on BHIM can facilitate innovation by financial institutions, Fintech companies and other stakeholders who can utilise this information to develop customised financial service products.\r\n\r\nThis kind of integration, with BHIM acting as an aggregator for merchant-centric products, can play a role in bridging the credit gaps for the MSME segment. Another potential use-case is for the BHIM app to offer an insurance products marketplace and facilitate access to insurance products to merchants that operate these small businesses.\r\n\r\nUnder the extant regulatory framework, offering insurance aggregator services requires an entity to be licensed by the IRDA. Symmetrically, offering financial products like Mutual Funds requires the entity to retain a distributor license from SEBI. Since NPCI, the promoter and operator of BHIM, is a Section 8 Company incorporated with the objective to set up and implement retail payment systems in the country, the aforementioned proposal will require regulatory concessions from the relevant regulators.\r\n\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\" css=\".vc_custom_1530620238439{padding-top: 50px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]\r\n\r\nGiven the socially beneficial impact of reorienting BHIM as an online marketplace for complimentary financial products, there is a compelling case for the NPCI to partner with the Ministry of Electronics and Information Technology and the Ministry of Finance to work with the concerned regulators to obtain these regulatory concessions. NPCI’s role as the umbrella retail payments organization in India and the fact that it is already a regulated entity under the Reserve Bank of India’s jurisdiction bolsters the case.\r\n\r\nThe potential illustrative workflow of such an offering is:\r\n<ol>\r\n 	<li>In addition to the ‘Send’, ‘Request’ and ‘Scan and Pay’ option, the application Home Page offers a section titled ‘Other Services’</li>\r\n 	<li>Contained within ‘Other Services’ is a “catalog” that offers a host of financial products and services including credit, insurance (even potentially mutual funds).</li>\r\n 	<li>Here the merchant can view, and compare, the products offered by banks, insurance companies and AMCs</li>\r\n 	<li>The merchant can then click through to initiate the purchase of the product/service.</li>\r\n</ol>\r\nPolicy related to small business credit could be amended to create high powered incentives for banks to originate credit from leads generated on the BHIM application. Though these high powered incentives could be delivered through several channels, we suggest a ranking system monitored by a government think-tank like Niti Aayog linked to the volume of credit that banks originate through the leads generated on BHIM.\r\n\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1530619463277{padding-top: 50px !important;padding-bottom: 50px !important;}\"][vc_column_inner][kleo_divider][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"MERCHANT SOLUTIONS ON BHIM\" 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\"]In addition to efforts to popularise BHIM among merchants using cashback schemes, providing value-added services such as a ‘khaata’ feature can enhance its utility to merchants. A ‘khaata’, colloquially, is a ledger kept by businesses to record sale and purchase transactions. With BHIM increasing the convenience in collecting payments for merchants, additional value can be unlocked by incorporating a dashboard for a ‘digital khaata’ in the platform. A “digital khaata” would record the business transactions paid through BHIM as “sales” and “purchase”. This would entail easy reconciliation and more efficient management of business operations. For instance, it may allow merchants to track supplier payments and send payment requests, and get paid seamlessly through the app. This khaata may also be used to undertake customer analytics for the merchants to generate insights on what could drive business for them. Illustratively, insights on sales trends can help the merchant design better sales strategies and map loyal customers. Conversely, purchase trends may yield data which aids the merchants in better inventory management.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\" css=\".vc_custom_1530620238439{padding-top: 50px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]BHIM can also be repurposed as a platform for business to business interaction. Illustratively, a merchant may design and market customised, time bound offerings for its clients via BHIM. Doing this would significantly expedite business communication and allow merchants to instantly accept and pay for such offers.\r\n\r\nA potential target group for the testing of such a solution can be found in India’s vast network of small retail businesses. These businesses enjoy a regular local clientele from neighbouring residential and commercial areas and maintain physical registers. The analytics component of this digital khaata solution can help these small businesses design customer loyalty programs, and keep track of bills and payments due to distributors.\r\n\r\nIt is of importance to acknowledge that this solution may only be applicable to businesses which may not find it feasible to invest in ERP solutions to manage their business operations.[/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=\"22987\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"TOWARDS AN ECOSYSTEM APPROACH\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=\"\"][/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][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]Insights from Catalyst’s small merchant UPI activation project and feedback from ongoing monitoring and evaluation suggest that providing seamless account-to-account transfers alone may not be enough to incentivise widespread adoption and use of the BHIM app. While the revised scheme of incentives for BHIM use now places it at par with the incentives offered by other players in the space, and selected features such as utility bill payments have been added to the application, it continues to face stiff competition from UPI-enabled applications that offer multiple use cases, enjoy first-mover advantage and a strong brand recall. Strategies to promote further adoption and use of the BHIM application need to weigh potential gains in relation to these factors. The focus must instead shift on leveraging the application to test scalable use cases that can spur widespread adoption by merchant and consumers, and create an enabling ecosystem for service providers to innovate.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_column_text letter_spacing=\"\"]\r\n<p style=\"text-align: left;\"><span style=\"color: #da092b;\">TECHNICAL WRITERS:</span> Mandar Kagade, Janak Priyani, Diksha Singh and Raghav Katyal.</p>\r\n<p style=\"text-align: left;\"><span style=\"color: #da092b;\">ACKNOWLEDGEMENTS:</span>The authors would like to thank Kanika Joshi, Darshan Singh and Anil Kumar Pandey for their support in data collection and analysis.</p>\r\n[/vc_column_text][kleo_button title=\"Download full report\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/07/BHIM-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_1549448415695{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]', 'Merchant perspectives on the BHIM experience', '', 'inherit', 'closed', 'closed', '', '22688-revision-v1', '', '', '2019-02-06 10:20:25', '2019-02-06 10:20:25', '', 22688, 'https://cashlesscatalyst.org/media/22688-revision-v1/', 0, 'revision', '', 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
(40405, 23, '2019-02-06 10:32:07', '2019-02-06 10:32:07', '[vc_row full_height=\"yes\" equal_height=\"yes\" content_placement=\"middle\" type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" padding_bottom=\"0\" bg_image=\"10902\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner el_class=\"title-text\" width=\"1/3\" offset=\"vc_col-md-5\" css=\".vc_custom_1521816908544{margin-top: 20% !important;padding-right: 12% !important;}\"][vc_custom_heading text=\"CATALYZING FINANCIAL SERVICES IN INDIA\" font_container=\"tag:h2|font_size:36px|text_align:left|color:%23ffffff|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1507879776004{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"24px\" letter_spacing=\"\" el_class=\"subtitle\" css=\".vc_custom_1521820283944{padding-right: 12% !important;}\"]The Catalyst  Incubator ‘Fintech for the Last Mile’  promotes innovative and scalable fintech solutions that address the needs of  traditionally underserved market segments.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\" css=\".vc_custom_1500361612396{padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"190px\" visibility=\"hidden-xs\"][kleo_gap size=\"50px\"][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\" padding_bottom=\"0\"][vc_column][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"5/12\"][vc_single_image image=\"10858\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"left-to-right\"][/vc_column_inner][vc_column_inner width=\"7/12\"][vc_custom_heading text=\"Building for the Last Mile\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23000000|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]While the infrastructure to build inclusive financial services has recently been upgraded with the roll-out of UPI, Aadhaar, and India Stack, we are yet to see the power of these systems delivered to end users at scale. There also remains massive scope to build deeper and more targeted workflows on top of an increasingly commoditized payment transaction layer. These software, hardware, or in certain cases, operational solutions can generate tangible and immediate value to key stakeholders across commercial use cases – be it through analytics, access to financing, or streamlined business processes. Catalyst, as part of its broader mission to help small business ecosystems access the benefits of digital finance, will co-design, analyze &amp; validate, as well as enable the scaling of successful solutions. Towards this end, Catalyst offers innovative entrepreneurs technical and financial assistance in the form of performance-based financing, ground operational resources, research methodologies, broader ecosystem linkages, and domain expertise.\n\nThe first round of selection of the incubatees took place in February 2018 where five applicants were selected.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\" padding_top=\"20\" padding_bottom=\"20\"][vc_column][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"7/12\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]We attracted 51 qualified leads through privileged channels like VCs, impact investors, incubators, universities, mentors, and social media\n\n<strong>Pipeline: Applicants across 13 sectors and 14 cities</strong>\n<ul>\n 	<li>Top Sectors: Credit (~39%), Payments (~18%), Invoice Management (~12%)</li>\n 	<li>Locations: 14 cities including Jaipur, Kanpur, Aligarh, and Bhubaneswar</li>\n 	<li>Startup vintage ranged between 1 month to 15 years..</li>\n 	<li>One fifth of applicants had a female(co-)founder</li>\n</ul>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"5/12\"][vc_single_image image=\"13024\" img_size=\"full\" alignment=\"center\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\" padding_top=\"0\" visibility=\"hidden-xs,hidden-sm,hidden-md,hidden-lg,hidden-xlg\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner][vc_custom_heading text=\"PARTNERS\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23000000|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]\n<p style=\"text-align: center;\">Incubator partners provide front-end infrastructure, program management and mentorship under their roof</p>\n[/vc_column_text][vc_single_image image=\"13027\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]\n<p style=\"text-align: center;\">Catalyst provides the \'operating system\' for incubators by integrating participating startups into labs, partner ecosystem, and ground level behavioral leaning infrastructure</p>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row][vc_row el_id=\"start-up\" type=\"image\"][vc_column][vc_custom_heading text=\"THE FIVE SHORTLISTED START-UPS \" 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_row_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1522822556466{padding-bottom: 20px !important;}\"][vc_column_text letter_spacing=\"\" el_id=\"clientlogo\"]\n<div class=\"startup-logo\"><a class=\"toggle\" href=\"https://fingpay.co.in/wp/\" target=\"_blank\" rel=\"noopener noreferrer\" data-target=\"fingpay\"><img class=\"aligncenter\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/03/fingpay.jpg\" alt=\"fingpay\" /></a></div>\n[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1527243638109{padding-right: 15px !important;background-color: #e5e7e6 !important;}\" el_id=\"videolink\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n<p class=\"video-div\" style=\"text-align: right;\"><a class=\"toggle\" data-target=\"fingpay\">Watch the video <img class=\"alignnone size-full wp-image-14469\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/05/video.jpg\" alt=\"\" width=\"24\" height=\"16\" /></a></p>\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1522822971844{padding-bottom: 25px !important;}\"]\n<p style=\"text-align: left;\"><strong><a href=\"https://fingpay.co.in/wp/\" target=\"_blank\" rel=\"noopener noreferrer\">Fingpay </a></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 a mobile.</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text letter_spacing=\"\"]\n<div class=\"startup-logo\"><a class=\"toggle\" href=\"https://paynearby.in/\" target=\"_blank\" rel=\"noopener noreferrer\" data-target=\"paynearby\"><img class=\"aligncenter\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/03/paynearby.jpg\" alt=\"paynearby\" /></a></div>\n[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1527244207257{padding-right: 15px !important;background-color: #e5e7e6 !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n<p class=\"video-div\" style=\"text-align: right;\"><a class=\"toggle\" data-target=\"paynearby\">Watch the video <img class=\"alignnone size-full wp-image-14469\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/05/video.jpg\" alt=\"\" width=\"24\" height=\"16\" /></a></p>\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1522823006369{padding-bottom: 25px !important;}\"]\n<p style=\"text-align: left;\"><strong><a href=\"https://paynearby.in/\" target=\"_blank\" rel=\"noopener noreferrer\">Paynearby</a></strong> enables existing corner shops to become a digital financial services hubs, thereby creating the world’s largest hyperlocal fintech network.</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text letter_spacing=\"\"]\n<div class=\"startup-logo\"><a class=\"toggle\" href=\"http://www.merapaper.com/\" target=\"_blank\" rel=\"noopener noreferrer\" data-target=\"merapaper\"><img class=\"aligncenter\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/09/bix.jpg\" alt=\"merapaper\" /></a></div>\n[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1527244281987{padding-right: 15px !important;background-color: #e5e7e6 !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n<p class=\"video-div\" style=\"text-align: right;\"><a class=\"toggle\" data-target=\"merapaper\">Watch the video <img class=\"alignnone size-full wp-image-14469\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/05/video.jpg\" alt=\"\" width=\"24\" height=\"16\" /></a></p>\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1522823058819{padding-bottom: 25px !important;}\"]\n<p style=\"text-align: left;\"><strong><a href=\"http://www.merapaper.com/\" target=\"_blank\" rel=\"noopener noreferrer\">Merapaper</a></strong> provides a micro-ERP to digitize the customer lifecycle, billing, and payments for small B2C merchants.</p>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text letter_spacing=\"\"]\n<div class=\"startup-logo\"><a class=\"toggle\" href=\"https://www.onymy.net/\" target=\"_blank\" rel=\"noopener noreferrer\" data-target=\"paybee\"><img class=\"aligncenter\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/03/paybee.jpg\" alt=\"paybee\" /></a></div>\n[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1527244307240{padding-right: 15px !important;background-color: #e5e7e6 !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n<p class=\"video-div\" style=\"text-align: right;\"><a class=\"toggle\" data-target=\"paybee\">Watch the video <img class=\"alignnone size-full wp-image-14469\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/05/video.jpg\" alt=\"\" width=\"24\" height=\"16\" /></a></p>\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1522823098653{padding-bottom: 25px !important;}\"]\n<p style=\"text-align: left;\"><strong><a href=\"https://www.onymy.net/\" target=\"_blank\" rel=\"noopener noreferrer\">Paybee’s</a></strong> solution automates and digitizes B2B collections in the distributor-retailer value chain.</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text letter_spacing=\"\"]\n<div class=\"startup-logo\"><a class=\"toggle\" href=\"https://kaleidofin.com/\" target=\"_blank\" rel=\"noopener noreferrer\" data-target=\"kaleidofin\"><img class=\"aligncenter\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/03/kaleidofin.jpg\" alt=\"kaleidofin\" /></a></div>\n[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1527244360235{padding-right: 15px !important;background-color: #e5e7e6 !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n<p class=\"video-div\" style=\"text-align: right;\"><a class=\"toggle\" data-target=\"kaleidofin\">Watch the video <img class=\"alignnone size-full wp-image-14469\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/05/video.jpg\" alt=\"\" width=\"24\" height=\"16\" /></a></p>\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1522823128780{padding-bottom: 25px !important;}\"]\n<p style=\"text-align: left;\"><strong><a href=\"https://www.kaleidofin.com/\" target=\"_blank\" rel=\"noopener noreferrer\">Kaleidofin </a></strong>is a fintech platform that propels the un/under-banked towards meeting their real life goals by providing tailored financial solutions at scale.</p>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row][vc_column][kleo_button title=\"Download\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/12/Incubator-Infograph.pdf\" target=\"_blank\" position=\"center\" size=\"lg\" type=\"boxed-icon\" special=\"no\" icon=\"download\" font_size=\"14\" letter_spacing=\"\" el_class=\"pkirbtn\" icon_custom_background=\"#d11e3c\" icon_custom_text=\"#ffffff\"][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#ffffff\" padding_top=\"\" padding_bottom=\"\"][vc_column][vc_column_text letter_spacing=\"\"]\n<div id=\"fingpay\" class=\"team-profile-container startup-box\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\"></h2>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sapna\">X</a></div>\n</div>\n<div class=\"pteam-member-details\"><iframe id=\"video1\" src=\"https://www.youtube.com/embed/0QJQOsyrJwY\" width=\"100%\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"paynearby\" class=\"team-profile-container startup-box\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\"></h2>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sapna\">X</a></div>\n</div>\n<div class=\"pteam-member-details\"><iframe id=\"video2\" src=\"https://www.youtube.com/embed/Jc0IQGnIiEA\" width=\"100%\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"merapaper\" class=\"team-profile-container startup-box\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\"></h2>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sapna\">X</a></div>\n</div>\n<div class=\"pteam-member-details\"><iframe id=\"video3\" src=\"https://www.youtube.com/embed/kxAjPD3Jwpw\" width=\"100%\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"paybee\" class=\"team-profile-container startup-box\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\"></h2>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sapna\">X</a></div>\n</div>\n<div class=\"pteam-member-details\"><iframe id=\"video4\" src=\"https://www.youtube.com/embed/UOjszwnqUE8\" width=\"100%\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"kaleidofin\" class=\"team-profile-container startup-box\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\"></h2>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sapna\">X</a></div>\n</div>\n<div class=\"pteam-member-details\"><iframe id=\"video5\" src=\"https://www.youtube.com/embed/lyOy62lqnSY\" width=\"100%\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></div>\n</div>\n[/vc_column_text][/vc_column][/vc_row][vc_row type=\"image\" bg_attachment=\"true\" enable_parallax=\"false\" bg_image=\"11192\"][vc_column][vc_custom_heading text=\"THE PROCESS\" font_container=\"tag:h2|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:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1521811267105{margin-bottom: 0px !important;padding-bottom: 10px !important;}\"][vc_empty_space height=\"30px\"][vc_row_inner el_class=\"phide-mobile\"][vc_column_inner][vc_single_image image=\"11211\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1504618212057{margin-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" el_class=\"phide-desk\"][vc_column_inner width=\"1/3\"][vc_single_image image=\"11193\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"left-to-right\" css=\".vc_custom_1504617282081{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Up to 33 lakhs<sup>*</sup>\" font_container=\"tag:p|font_size:22px|text_align:center|color:%23ffffff|line_height:28px\" use_theme_fonts=\"yes\" letter_spacing=\"\" el_class=\"cip-title\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1504592402026{padding-right: 13% !important;padding-left: 13% !important;}\"]\n<p style=\"text-align: center;\">per award for activities lasting up to six months and additional benefits</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_single_image image=\"11194\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1504617305542{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Opportunity to refine your product or service\" font_container=\"tag:p|font_size:22px|text_align:center|color:%23ffffff|line_height:28px\" use_theme_fonts=\"yes\" letter_spacing=\"\" el_class=\"cip-title\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1504592597893{padding-right: 11% !important;padding-left: 11% !important;}\"]\n<p style=\"text-align: center;\">and test hypotheses over six months in a dynamic market environment</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_single_image image=\"11195\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css=\".vc_custom_1504617330456{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Mentorship from thought leaders\" font_container=\"tag:p|font_size:22px|text_align:center|color:%23ffffff|line_height:28px\" use_theme_fonts=\"yes\" letter_spacing=\"\" el_class=\"cip-title\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1504592651052{padding-right: 9% !important;padding-left: 9% !important;}\"]\n<p style=\"text-align: center;\">in digital finance companies, social enterprise, and technology entrepreneurship</p>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"30px\"][vc_row_inner equal_height=\"yes\" el_class=\"phide-desk\"][vc_column_inner width=\"1/3\"][vc_single_image image=\"11196\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"left-to-right\" css=\".vc_custom_1504617352679{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Access to small businesses,\" font_container=\"tag:p|font_size:22px|text_align:center|color:%23ffffff|line_height:28px\" use_theme_fonts=\"yes\" letter_spacing=\"\" el_class=\"cip-title\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1521817360295{padding-right: 7% !important;padding-left: 7% !important;}\"]\n<p style=\"text-align: center;\">customers, and suppliers in Jaipur to test your product or service, run pilots, and validate hypotheses</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_single_image image=\"11197\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css=\".vc_custom_1504617375877{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Access to Catalyst’s research team\" font_container=\"tag:p|font_size:22px|text_align:center|color:%23ffffff|line_height:28px\" use_theme_fonts=\"yes\" letter_spacing=\"\" el_class=\"cip-title\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1504593351421{padding-right: 6% !important;padding-left: 6% !important;}\"]\n<p style=\"text-align: center;\">and on-ground learning infrastructure</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_single_image image=\"11017\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css=\".vc_custom_1504594166943{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Access to Catalyst’s broader partner ecosystem,\" font_container=\"tag:p|font_size:22px|text_align:center|color:%23ffffff|line_height:28px\" use_theme_fonts=\"yes\" letter_spacing=\"\" el_class=\"cip-title\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1504593598231{padding-right: 6% !important;padding-left: 6% !important;}\"]\n<p style=\"text-align: center;\">including other fintech companies, traditional financial institutions and government &amp; policy stakeholders</p>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#ffffff\" font_size=\"12px\" letter_spacing=\"\" el_class=\"lh18\"]\n<p style=\"text-align: left;\"><sup>*</sup>inclusive of all taxes</p>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#373a3a\"][vc_column][vc_custom_heading text=\" MEET SOME THOUGHT PARTNERS\" font_container=\"tag:h2|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:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1504945146949{margin-bottom: 0px !important;padding-bottom: 10px !important;}\"][vc_row_inner css=\".vc_custom_1504876397167{margin-top: 40px !important;}\"][vc_column_inner width=\"1/4\"][vc_single_image image=\"11256\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][vc_custom_heading text=\"Rakesh Mishra\" font_container=\"tag:div|font_size:22px|text_align:center|color:%23ffffff|line_height:28px\" use_theme_fonts=\"yes\" letter_spacing=\"\"][vc_custom_heading text=\"Chief Program Advisor\" font_container=\"tag:div|font_size:14px|text_align:center|color:%23ffffff|line_height:20px\" use_theme_fonts=\"yes\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" el_class=\"pwhite\"]\n<p style=\"text-align: center;\"><a class=\"popmake-11270\" href=\"#\">Bio</a>\n<a href=\"https://www.linkedin.com/in/mishrrak/\" target=\"_blank\" rel=\"noopener noreferrer\">LinkedIn</a></p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"11258\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][vc_custom_heading text=\"Rohan Angrish\" font_container=\"tag:div|font_size:22px|text_align:center|color:%23ffffff|line_height:28px\" use_theme_fonts=\"yes\" letter_spacing=\"\"][vc_custom_heading text=\"Head of Innovation\nICICI\" font_container=\"tag:div|font_size:14px|text_align:center|color:%23ffffff|line_height:20px\" use_theme_fonts=\"yes\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" el_class=\"pwhite\"]\n<p style=\"text-align: center;\"><a class=\"popmake-11262\" href=\"#\">Bio</a>\n<a href=\"https://www.linkedin.com/in/rohan-angrish-9149a31/?ppe=1\" target=\"_blank\" rel=\"noopener noreferrer\">LinkedIn</a></p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"11259\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][vc_custom_heading text=\"Sanjay Swamy\" font_container=\"tag:div|font_size:22px|text_align:center|color:%23ffffff|line_height:28px\" use_theme_fonts=\"yes\" letter_spacing=\"\"][vc_custom_heading text=\"Managing Partner &amp; Co-Founder\nPrime Venture\" font_container=\"tag:div|font_size:14px|text_align:center|color:%23ffffff|line_height:20px\" use_theme_fonts=\"yes\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" el_class=\"pwhite\"]\n<p style=\"text-align: center;\"><a class=\"popmake-11265\" href=\"#\">Bio</a>\n<a href=\"https://www.linkedin.com/in/theswamy/?ppe=1\" target=\"_blank\" rel=\"noopener noreferrer\">LinkedIn</a></p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"11260\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][vc_custom_heading text=\"Alok Mittal\" font_container=\"tag:div|font_size:22px|text_align:center|color:%23ffffff|line_height:28px\" use_theme_fonts=\"yes\" letter_spacing=\"\"][vc_custom_heading text=\"Co-Founder and CEO\nIndifi Technologies\" font_container=\"tag:div|font_size:14px|text_align:center|color:%23ffffff|line_height:20px\" use_theme_fonts=\"yes\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" el_class=\"pwhite\"]\n<p style=\"text-align: center;\"><a class=\"popmake-11267\" href=\"#\">Bio</a>\n<a href=\"https://www.linkedin.com/in/alok-mittal-590a/?ppe=1\" target=\"_blank\" rel=\"noopener noreferrer\">LinkedIn</a></p>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row disable_element=\"yes\" type=\"color\" bg_color=\"#f7f7f7\"][vc_column][vc_row_inner][vc_column_inner][rev_slider_vc alias=\"incubator11\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row disable_element=\"yes\" type=\"color\" bg_color=\"#ffffff\" el_class=\"phide\"][vc_column width=\"1/6\"][/vc_column][vc_column width=\"2/3\"][vc_row_inner][vc_column_inner][vc_custom_heading text=\"THE APPLICATION PROCESS\" font_container=\"tag:h2|font_size:32px|text_align:center|color:%23d11e3c|line_height:38px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1504597731150{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"20px\" letter_spacing=\"\" el_class=\"lh26\" css=\".vc_custom_1505456027002{margin-top: -10px !important;padding-top: 0px !important;}\"]\n<p style=\"text-align: center;\"><strong>Applications are due by September 24<sup>th</sup>, 2017</strong></p>\n[/vc_column_text][vc_column_text text_color=\"#373a3a\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1504608245065{padding-right: 5% !important;padding-left: 5% !important;}\"]We will use a two-step process to select finalists. First, applicants must submit a Pitch Deck which will be evaluated against the Eligibility Criteria. Organizations whose applications fulfill all the Eligibility Criteria will be invited to submit a full application.\n\nWe encourage you to apply as early as possible as funds will be allocated on a first-come first-serve basis to organizations with great ideas that meet our eligibility and selection criteria.[/vc_column_text][kleo_gap size=\"30px\"][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1504605718726{margin-bottom: 0px !important;padding-bottom: 0px !important;padding-left: 5% !important;background-color: #d11e3c !important;}\"][vc_column_inner][vc_custom_heading text=\"PITCH DECK SUBMISSION (PHASE I)\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ffffff|line_height:30px\" use_theme_fonts=\"yes\" letter_spacing=\"\" css=\".vc_custom_1504617658019{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 5px !important;padding-bottom: 5px !important;background-color: #d11e3c !important;}\" el_class=\"bold\"][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1504605732098{margin-top: 0px !important;padding-top: 0px !important;padding-right: 5% !important;padding-left: 5% !important;background-color: #ebebeb !important;}\"][vc_column_inner][vc_custom_heading text=\"Mandatory\" font_container=\"tag:h2|font_size:20px|text_align:left|color:%23d11e3c|line_height:26px\" use_theme_fonts=\"yes\" letter_spacing=\"\" el_class=\"bold\" css=\".vc_custom_1504617702369{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1504618892332{margin-top: -10px !important;padding-top: 0px !important;}\"]To submit your Pitch Deck, please fill in the <span class=\"pred\"><a href=\"https://cashlesscatalyst.org/incubator-form/\">Phase I webform</a></span> and attach the following mandatory materials:[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div class=\"pdsContainer\">\n<div class=\"pdsDetails\">\n\n<strong>Pitch Deck</strong> in PowerPoint format of no more than 10 slides - Feel free to be creative, but the following information must be included in your Pitch Deck:\n<ul>\n 	<li><strong>Well-defined problem statement</strong> - Describe the problem you are proposing to resolve.</li>\n 	<li><strong>A solution strategy </strong>- Describe how your idea addresses the problem you propose to solve and the minimum viable product (MVP) you are proposing to develop. We define a reasonable MVP as a combination of services, software, hardware, people and/or code that demonstrates all major features of the proposed solution such that it conveys to any potential user the value proposition and workflow of the product.</li>\n 	<li><strong>A description of the target population</strong> you intend to work with, including their income levels and geographic locations.</li>\n 	<li><strong>A short summary budget</strong> detailing how much the activity will cost and a breakdown of how much of this total budget will be covered by the Catalyst grant and - how much of it will be covered by funds that the organization is willing to contribute from its own resources (what we call “skin in the game”).</li>\n</ul>\n</div>\n<div class=\"pdsDetails\">A copy of your organization’s legal registration that shows it is registered in India and fulfills all the criteria listed in Section 8 (Legal Information) of this APS to be considered an Indian organization.</div>\n<div class=\"pdsDetails\">All materials must be submitted in English and budget amounts must be in Indian Rupees.</div>\n</div>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1504605749196{margin-top: 0px !important;padding-top: 0px !important;padding-right: 5% !important;padding-left: 5% !important;background-color: #ebebeb !important;}\"][vc_column_inner][vc_custom_heading text=\"Optional, but not required Phase I material\" font_container=\"tag:h2|font_size:20px|text_align:left|color:%23d11e3c|line_height:26px\" use_theme_fonts=\"yes\" letter_spacing=\"\" el_class=\"bold\" css=\".vc_custom_1504617776989{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1504617811147{margin-top: -10px !important;padding-top: 0px !important;}\"](please include links in your pitch deck)[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div class=\"pdsContainer\">\n<div class=\"pdsDetails\"><strong>A link to your MVP</strong>. Nothing sells better than seeing the actual product!</div>\n<div class=\"pdsDetails\"><strong>A one-minute video</strong> explanation or pitch of your product by the founding team</div>\n</div>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1504605718726{margin-bottom: 0px !important;padding-bottom: 0px !important;padding-left: 5% !important;background-color: #d11e3c !important;}\"][vc_column_inner][vc_custom_heading text=\"FULL APPLICATION SUBMISSION (PHASE II)\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ffffff|line_height:30px\" use_theme_fonts=\"yes\" letter_spacing=\"\" css=\".vc_custom_1504617745778{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 5px !important;padding-bottom: 5px !important;background-color: #d11e3c !important;}\" el_class=\"bold\"][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1504607834707{margin-top: 0px !important;padding-top: 0px !important;background-color: #373a3a !important;}\"][vc_column_inner][vc_column_text text_color=\"#ffffff\" font_size=\"15px\" letter_spacing=\"\" el_class=\"lh20 pobhpContainer \" css=\".vc_custom_1504618569508{margin-bottom: 20px !important;padding-right: 5% !important;padding-left: 5% !important;}\"]If you are invited to this phase, we will require you to submit a more detailed set of materials that outline goals and milestones for the program, and how budgetary funds will be used to achieve them. Full templates will be provided by Catalyst to fulfill these submission requirements. When we’ve received all mandatory materials for your application we will review them against our selection criteria and inform you if you’ve been shortlisted for an award within 3 weeks. <a class=\"popmake-phase2 pum-trigger\" style=\"cursor: pointer;\" href=\"#\">Read More</a>\n<p style=\"text-align: center;\">To know more about the program, <a href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/08/APS_Docs.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Click Here</a></p>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1504619259613{margin-top: 40px !important;}\"][vc_column_inner width=\"1/3\"][/vc_column_inner][vc_column_inner width=\"1/3\"][kleo_button title=\"View FAQs\" href=\"https://cashlesscatalyst.org/faq/\" style=\"custom\" border_width=\"1px\" position=\"center\" size=\"sm\" special=\"no\" icon=\"0\" font_size=\"18px\" font_weight=\"400\" letter_spacing=\"\" el_class=\"puploadBtn\" custom_background=\"#d01f3c\" custom_bg_hover=\"#ffffff\" custom_text=\"#ffffff\" custom_text_hover=\"#d01f3c\" custom_border=\"#d01f3c\" custom_border_hover=\"#d01f3c\"][/vc_column_inner][vc_column_inner width=\"1/3\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/6\"][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ebebeb\"][vc_column][vc_custom_heading text=\"PARTNERS\" 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=\"\"][kleo_gap size=\"30px\"][vc_row_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"10881\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9265\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"10882\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9267\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"10883\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"8066\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"30px\"][vc_row_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"10884\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9171\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"10655\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"8070\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"10885\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"10886\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"30px\"][/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_1526058473147{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\n<p style=\"text-align: center;\">CATALYST is an initiative funded by USAID under the mSTAR Program, through funding provided to FHI 360. Housed within IFMR LEAD, the initiative aims to expand digital payments and financial inclusion in India, especially for small merchants and low-income consumers.</p>\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'Incubator', '', 'inherit', 'closed', 'closed', '', '14466-autosave-v1', '', '', '2019-02-06 10:32:07', '2019-02-06 10:32:07', '', 14466, 'https://cashlesscatalyst.org/media/14466-autosave-v1/', 0, 'revision', '', 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
(40408, 23, '2019-02-06 10:39:41', '2019-02-06 10:39:41', '[vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"image\" bg_position_horizontal=\"center\" padding_top=\"65\" padding_bottom=\"65\" bg_image=\"12208\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner width=\"1/6\"][vc_single_image image=\"10108\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-visible\" css_animation=\"el-fade\"][/vc_column_inner][vc_column_inner width=\"5/6\"][vc_custom_heading text=\"Catalyst FINposium 9\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23ffffff|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1521210608413{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]<strong>Event:</strong> Workshop on Innovation Partnerships with Financial Institutions\n<strong>Date:</strong> October 26<sup>th</sup>, 2017\n<strong>Location:</strong> Jaipur, India\n<strong>Attendance:</strong> 57 participants representing 37 organisations [/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"INTRODUCTION\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23383b3b|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1519728201348{margin-top: 30px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]The 9th Catalyst FINposium was organised in association with the Department of Information Technology and Communications (DoITC), Government of Rajasthan (GoR), and brought together a confluence of government representatives, innovators, knowledge agencies for a deep-dive on enabling digital transactions between small merchants and low-to-middle income consumers.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_custom_heading text=\"OBJECTIVES\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23383b3b|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1485501770323{margin-top: 30px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\n<ul class=\"pclist-red\">\n 	<li>Sharing insights, challenges and opportunities for digital</li>\n 	<li>Deepening insights on digital payment solutions and sharing work ​from the Catalyst Digital Payments Lab in Jaipur, where we have been co-creating business ideas, solutions and models.</li>\n 	<li>Providing a platform to various stakeholders for sharing insights, trends, challenges and implementation experiences from India’s digital finance and payment landscape especially for the last mile.</li>\n 	<li>Showcasing partnerships and with key stakeholders in the financial inclusion space.</li>\n</ul>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\" padding_top=\"0\"][vc_column][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"INAUGURAL SESSION\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23373a3a|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24 \"]The key dignitaries at the inaugural session included Mr. Fernando Maldonado, Director Digital Finance, USAID, Dr. Hansraj Yadav, Additional Director, DoIT, Ms. Sharon Buteau, Executive Director, IFMR Lead and Mr. Punit Shukla, NITI Aayog.\n\nMr. Fernando Maldonado inaugurated the FINposium by reiterating the need for coordinated efforts with a result-driven approach to create a formal economy and achieve financial inclusion in India. In the Keynote Address, Dr. Hansraj Yadav outlined ongoing Government of Rajasthan (GoR) initiatives to facilitate bringing 5 lakh merchants on digital payments by March 2018. Emphasizing on the state government’s commitment to building a strong database to record Direct Benefit Transfer (DBT) from the government to citizens as well as transactional information from a variety of distributors, Dr. Hansraj invited the partnership of lenders and solution providers in tapping into this data in the creation of targeted product and services.\n\nMr. Punit Shukla outlined NITI Aayog’s specific focus on creating a digital transformation index to identify how digitally enabled different states are in the current scenario, and the importance of this ranking in furthering e-governance and service distribution.\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"FOOD FOR THOUGHT\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23373a3a|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24 \"]An overview of business models featured in Government of Rajasthan &amp; Catalyst’s Digital Payments Lab partnership.\n\n<strong>Presenter: Badal Malick, CEO, Catalyst</strong>\n\nMaking a detailed presentation about Catalyst’s work in Jaipur through its Digital Payment’s Lab, Badal Malick, CEO, Catalyst, highlighted the need for developing value beyond just transaction by using it as a stepping stone for people to access value adds like credit. “Context plays a very big role in terms of the behaviour of customers and merchants. We need to be mindful of the distinct needs and challenges for each while developing solutions,” he added. “Our fundamental goal is to create broader access to financial services through an ecosystem-based approach, and eventually empower communities that have been underserved by financial services.”\n[/vc_column_text][/vc_column_inner][vc_column_inner][kleo_gap size=\"20px\"][vc_custom_heading text=\"PANEL DISCUSSIONS\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23373a3a|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24 \"]The event had exciting discussions centered around specific themes like merchant digitisation approaches, consumer digitisation through communication and engagement strategies, creative incentives, and relevant products to change behaviour and finance and technology solutions for the last mile.[/vc_column_text][kleo_gap size=\"20px\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"26px\" letter_spacing=\"\" el_class=\"lh32\"]\n<h3 class=\"fs26\"><span class=\"pred\">MOVING BEYOND THE TRANSACTION:</span> MERCHANT PANEL</h3>\n[/vc_column_text][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24 \"]The first panel discussion focused on sharing early insights from small merchant and distributor facing models rolled out in Jaipur by GoR, Catalyst and multiple partners. The discussion was centered around Merchant Digitisation approaches by targeting use cases to drive value and change behaviour. The panel included merchant-focused end users that shared the experience of their first-time use of different digital payment solutions\n\n<strong>Moderator: Mr. Ashish Aggarwal, Consultant, National Institute of Public Finance and Policy (NIPFP)</strong>\n\n<strong>Key Insights:</strong>\n<ul class=\"pclist-red\">\n 	<li>A key challenge to bringing retailers and distributors onto digital payment platforms are the concerns regarding security on linking bank account to an app and converting hard cash to digital.</li>\n 	<li>Initiatives such as workshops and programs in digital literacy, and provision of incentives play an important role in closing the gap and encouraging adoption.</li>\n 	<li>Merchants are now building their own credit history for customers to compensate for the lack of credible data from other players.</li>\n 	<li>There is a strong need for a credit-enabled payment solution that seamlessly integrates the backend and frontend of transactions.</li>\n</ul>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"26px\" letter_spacing=\"\" el_class=\"lh32\"]\n<h3 class=\"fs26\"><span class=\"pred\">FINTECH FOR THE LAST MILE:</span> INNOVATION PANEL</h3>\n[/vc_column_text][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]WIth all-star CEO panel, this session championed ‘#Fintech for the last mile’ solutions that addressed needs of underserved communities. Some of the shortlisted startups from the Catalyst Incubator ‘Fintech for the Last Mile’ incubator programme were showcased before the panel discussion, and interesting trends from the first cohort shared.\n\n<strong>Moderator: Mr. Vivekdeep Gupta, Associate Director- Innovation and Partnerships at Catalyst</strong>\n\n<strong>Key Insights:</strong>\n<ul class=\"pclist-red\">\n 	<li>Bank and insurance agents are important existing touch-points to leverage in reaching these households.</li>\n 	<li>Consent architecture is yet to be put in place; while the consumer should ideally own data or digital footprint created, it is currently ‘owned’ by the co-creating company or data storage owner.</li>\n</ul>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][kleo_gap size=\"20px\"][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"26px\" letter_spacing=\"\" el_class=\"lh32\"]\n<h3 class=\"fs26\"><span class=\"pred\">ALL ABOUT CONTEXT:</span> CONSUMER PANEL</h3>\n[/vc_column_text][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24 \"]This panel discussion focused on consumer digitisation through communication and engagement strategies, creative incentives, and relevant products to change behaviour.\nThe need for creating an awareness journey and handholding processes that are rooted in the hyper-local context of the community were highlighted as a cross-cutting theme during the panel discussion.\n\n<strong>Moderator: Mr. Parvinder Singh, Associate Director- Learning and Communications at Catalyst</strong>\n\n<strong>Key Insights:</strong>\n<ul class=\"pclist-red\">\n 	<li>There is a strong need for inculcating online banking and transaction behaviour, especially amongst women.</li>\n 	<li>Adoption and uptake of digital payments among the low income or underserved communities need a comprehensive campaign that informs and empowers early adopters to emerge as change agents.</li>\n 	<li>The digital transaction narrative needs to be linked with wider financial inclusion.</li>\n</ul>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"26px\" letter_spacing=\"\" el_class=\"lh32\"]\n<h3 class=\"fs26\">THE <span class=\"pred\">ROAD AHEAD</span></h3>\n[/vc_column_text][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]The event was brought to a close with a discussion on the road ahead; with a focus on strategies and partnerships to support, sustain and scale successful solutions and business models. This session engaged key local institutions and service providers as well as donors to pave the way towards a less-cash Jaipur- and Rajasthan.\n\n<strong>Moderators: Dr. Hansraj Yadav, Additional Director, Department of Information Technology, Govt. of Rajasthan, and Mr. Punit Shukla, NITI Aayog </strong>\n\n<strong>Key Insights:</strong>\n<ul class=\"pclist-red\">\n 	<li>As behaviour change is a long-term exercise and hand-holding is an important aspect, there is a strong need for a joint education program on digital payments by state governments, banks and NPCI.</li>\n 	<li>While the number of cheque and ATM transaction are plateauing, IMPS transactions are growing steadily and UPI platforms are witnessing exponential growth.</li>\n</ul>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_custom_heading text=\"RESOURCES\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23d11e3c|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488187188062{margin-top: 30px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\n<ul class=\"pclist-red\">\n 	<li><a href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/09/Catalyst_FINposium-Series-%E2%80%93-October.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Agenda</a></li>\n 	<li><a href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/02/Catalyst-Presentation-FINposium.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Presentation</a></li>\n 	<li><a href=\"https://www.facebook.com/CashlessCatalyst/videos/442457896155982/\" target=\"_blank\" rel=\"noopener noreferrer\">Video Recording</a></li>\n 	<li><a href=\"https://cashlesscatalyst.org/latest-news/8th-catalyst-finposium-jaipur/\">Media Coverage/ Press</a></li>\n</ul>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"7886\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1549449504016{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\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]', 'Partner Convening 9', '', 'inherit', 'closed', 'closed', '', '12207-autosave-v1', '', '', '2019-02-06 10:39:41', '2019-02-06 10:39:41', '', 12207, 'https://cashlesscatalyst.org/media/12207-autosave-v1/', 0, 'revision', '', 0);
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(40413, 23, '2019-02-06 10:46:22', '2019-02-06 10:46:22', '[vc_row content_placement=\"middle\" inner_container=\"no\" type=\"image\" bg_position_horizontal=\"center\" padding_top=\"96\" padding_bottom=\"96\" bg_image=\"12155\"][vc_column][vc_row_inner][vc_column_inner][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_repeat=\"repeat\" bg_attachment=\"true\" enable_parallax=\"false\" padding_bottom=\"0\" bg_image=\"10448\"][vc_column][vc_wp_custommenu nav_menu=\"63\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"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=\"Technical Writers : \" 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_1547813760212{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\" 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% 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!important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"39969\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2019/01/Regulation-Policy-Report-V4_Proofed-V2.pdf\"][vc_custom_heading text=\"Enabling dialogue between regulators and financial\ninnovators for financial inclusion\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2017%2F04%2FCatalyst-Niti-Ayog.pdf||target:%20_blank|\" el_class=\"lnContainerTitle\" css=\".vc_custom_1547467934902{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"Seven use cases to test the waters\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1547467771680{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"January, 2019\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1547467965315{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1547534249955{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"12192\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2017/04/Catalyst-Niti-Ayog.pdf\"][vc_custom_heading text=\"Study to test incentives for onboarding merchants and consumers\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Fwp-content%2Fuploads%2F2017%2F04%2FCatalyst-Niti-Ayog.pdf||target:%20_blank|\" el_class=\"lnContainerTitle\" css=\".vc_custom_1519197325794{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"April, 2017\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1519205705279{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" gap=\"30\" el_class=\"lnContainer\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1547534179414{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\" offset=\"vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1519197273317{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\" offset=\"vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs\"][vc_single_image image=\"10470\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/catalyst-blog/decoding-jaipur-digital-payments-landscape/\"][vc_custom_heading text=\"Decoding Jaipur’s Digital Payments Landscape\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Fcatalyst-blog%2Fdecoding-jaipur-digital-payments-landscape%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1519195501591{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"May 15, 2017\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1519195517043{padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\" css=\".vc_custom_1519197259639{margin-bottom: 10px !important;border-bottom-width: 5px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-bottom-color: #d11e3c !important;border-bottom-style: solid !important;}\" offset=\"vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs\"][vc_single_image image=\"10808\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/catalyst-blog/catalysts-digital-payment-journey-jaipur-first-stop-barkat-nagar/\"][vc_custom_heading text=\"Catalyst\'s digital payment journey in jaipur first stop - Barkat Nagar\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" 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#d11e3c !important;border-bottom-style: solid !important;}\" offset=\"vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs\"][vc_single_image image=\"12147\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/india-stack/\"][vc_custom_heading text=\"India Stack\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23040707|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Findia-stack%2F|||\" el_class=\"lnContainerTitle\" css=\".vc_custom_1519195545508{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23a5a5a5|line_height:22px\" 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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]', 'Policy Briefs', '', 'inherit', 'closed', 'closed', '', '12159-autosave-v1', '', '', '2019-02-06 10:45:32', '2019-02-06 10:45:32', '', 12159, 'https://cashlesscatalyst.org/media/12159-autosave-v1/', 0, 'revision', '', 0),
(40419, 23, '2019-02-06 10:50:13', '2019-02-06 10:50:13', '[vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"110\" padding_bottom=\"0\" bg_image=\"11981\"][vc_column][kleo_gap size=\"100px\"][vc_row_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/6\"][vc_custom_heading text=\"DIGITAL READINESS\" font_container=\"tag:h2|font_size:28px|text_align:center|color:%23ffffff|line_height:34px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_custom_heading text=\"HOW DIGITALLY READY\nARE THE URBAN ULTRA-POOR?\" font_container=\"tag:h2|font_size:48px|text_align:center|color:%23ffffff|line_height:54px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"24px\" letter_spacing=\"\"]\n<p class=\"lh30\" style=\"text-align: center;\">Urban slums and low-income residential communities represent dense, self-contained transaction ecosystems that are relevant targets for digital payment and finance programs.</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"130px\"][/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/2018/02/Digital-readiness-for-urban-slum.pdf\" target=\"_blank\" style=\"custom\" position=\"left\" size=\"lg\" special=\"no\" border=\"no\" icon=\"print\" font_size=\"16px\" letter_spacing=\"\" el_class=\"grey-icon\" custom_text=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]Urban slums and low-income residential communities represent dense, self-contained transaction ecosystems that are relevant targets for digital payment and finance programs. Financial inclusion through digitization of the payment landscape can ensure direct and tangible benefits in the form of reduced volatility in household income and expenditure as well as overall financial stability.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-justify lh22\"]IFMR LEAD and Catalyst, in collaboration with SEWA Bharat, conducted a survey of 442 ultra-poor households in the Bhatta Basti area of Jaipur which has a largely migrant settlement of approximately 10,000 households with an estimated population over 45,000 persons.\n\nThe survey focused on documenting the current needs, behaviors, and perceptions with regard to digital payments and finance.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#d1203d\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"DIGITAL READINESS QUALIFIERS\" 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_inner][/vc_row_inner][vc_row_inner][vc_column_inner width=\"1/3\"][vc_single_image image=\"11974\" img_size=\"596*550\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1518601005617{margin-top: 40px !important;margin-bottom: 40px !important;}\"][vc_custom_heading text=\"Bank account ownership &amp; usage\" font_container=\"tag:div|font_size:18px|text_align:center|color:%23ffffff|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1518601506829{padding-right: 28% !important;padding-left: 28% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_single_image image=\"11975\" img_size=\"596*550\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1518601024916{margin-top: 40px !important;margin-bottom: 40px !important;}\"][vc_custom_heading text=\"Mobile ownership &amp; usage\" font_container=\"tag:div|font_size:18px|text_align:center|color:%23ffffff|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1518601520776{padding-right: 28% !important;padding-left: 28% !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_single_image image=\"11976\" img_size=\"596*550\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1518601043846{margin-top: 40px !important;margin-bottom: 40px !important;}\"][vc_custom_heading text=\"Awareness &amp; perceptions regarding digital payment mechanisms\" font_container=\"tag:div|font_size:18px|text_align:center|color:%23ffffff|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1518601592629{padding-right: 25% !important;padding-left: 25% !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_custom_heading text=\"WHAT DOES THE URBAN ULTRA-POOR LOOK LIKE?\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23373a3a|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_row_inner equal_height=\"yes\"][vc_column_inner][vc_single_image image=\"11982\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" bg_image=\"11985\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"BANK ACCOUNT OWNERSHIP AND USAGE\" 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_single_image image=\"11984\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1518604159826{margin-top: 40px !important;margin-bottom: 40px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"MOBILE OWNERSHIP AND USAGE\" font_container=\"tag:h3|font_size:26px|text_align:center|color:%23373a3a|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"5/12\"][vc_single_image image=\"11990\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1518605615147{margin-top: 40px !important;margin-bottom: 40px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"11995\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1518606236048{margin-top: 40px !important;margin-bottom: 40px !important;}\"][/vc_column_inner][vc_column_inner width=\"5/12\"][vc_single_image image=\"11991\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1518605640397{margin-top: 40px !important;margin-bottom: 40px !important;}\"][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_separator color=\"custom\" style=\"dashed\" accent_color=\"#000000\"][kleo_gap size=\"20px\"][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_custom_heading text=\"Smartphone Usage\" font_container=\"tag:h4|font_size:20px|text_align:center|color:%23373a3a|line_height:26px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/3\"][vc_single_image image=\"11997\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1518606424233{margin-top: 40px !important;margin-bottom: 40px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_single_image image=\"11998\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1518606441292{margin-top: 40px !important;margin-bottom: 40px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_single_image image=\"11999\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1518606459636{margin-top: 40px !important;margin-bottom: 40px !important;}\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner][vc_single_image image=\"12000\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1518606509484{margin-top: 40px !important;margin-bottom: 40px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" bg_image=\"12002\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"AWARENESS AND PERCEPTIONS ON DIGITAL PAYMENTS\" font_container=\"tag:h4|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_single_image image=\"12001\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1518606637318{margin-top: 40px !important;margin-bottom: 40px !important;}\"][/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\"][vc_column][vc_row_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"HOUSEHOLD PREFERENCES REGARDING MODE OF PAYMENTS ARE INFLUENCED BY THEIR KNOWLEDGE, ACCESS AND WILLINGNESS\" font_container=\"tag:h4|font_size:26px|text_align:center|color:%23373b3b|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_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][/vc_row_inner][vc_row_inner content_placement=\"middle\"][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"While cash is still the most preferred choice for making payments on most dimensions, the community sees merit in digital from greater security and proof of record. \" font_container=\"tag:p|font_size:18px|text_align:right|color:%23373a3a|line_height:24px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][vc_single_image image=\"12004\" img_size=\"full\" alignment=\"right\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1518607215325{margin-top: 40px !important;margin-bottom: 40px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_single_image image=\"12003\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1518606983723{margin-top: 40px !important;margin-bottom: 40px !important;}\"][vc_custom_heading text=\"4% of respondents identified trade credit as a preferred mode of payment for the speed, cost and proof of transaction.\" font_container=\"tag:div|font_size:16px|text_align:left|color:%23414142|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][vc_custom_heading text=\"<sup>*</sup>Confined to the 33% who were aware of digital payments\" font_container=\"tag:div|font_size:14px|text_align:right|color:%23231f20|line_height:20px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" parallax_speed=\"0.4\" bg_image=\"12011\"][vc_column width=\"1/4\"][vc_row_inner content_placement=\"middle\"][vc_column_inner css=\".vc_custom_1518609633726{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 5% !important;padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;background-color: rgba(6,6,6,0.65) !important;*background-color: rgb(6,6,6) !important;border-left-color: #ffffff !important;border-left-style: solid !important;border-right-color: #ffffff !important;border-right-style: solid !important;border-top-color: #ffffff !important;border-top-style: solid !important;border-bottom-color: #ffffff !important;border-bottom-style: solid !important;}\"][vc_single_image image=\"12008\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1518608118759{margin-top: 40px !important;margin-bottom: 40px !important;}\"][vc_custom_heading text=\"<strong>Top 3 reasons</strong> for non-adoption of digital payment systems and opportunities to address them\" font_container=\"tag:div|font_size:18px|text_align:center|color:%23ffffff|line_height:24px\" 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_1518609644353{padding-right: 5% !important;padding-left: 5% !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/12\"][/vc_column][vc_column width=\"2/3\"][vc_row_inner content_placement=\"top\"][vc_column_inner width=\"1/6\"][vc_single_image image=\"12009\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1518614336921{margin-top: 0px !important;margin-bottom: 40px !important;}\"][/vc_column_inner][vc_column_inner width=\"5/6\"][vc_custom_heading text=\"Difficulty with usage and understanding\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23ffffff|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\"][kleo_list type=\"icons\" icon_color=\"yes\" inline=\"yes\" align=\"left\" el_class=\"whiteList\"][kleo_list_item icon=\"stop\"]Community learning programs – <em class=\"fw300\">(Enablers)</em>[/kleo_list_item][kleo_list_item icon=\"stop\"]Mobilizing campaigns championed by community leaders and identified change agents - <em class=\"fw300\">(Enablers &amp; Financial Service Providers)</em>[/kleo_list_item][/kleo_list][/vc_column_inner][/vc_row_inner][vc_row_inner content_placement=\"top\"][vc_column_inner width=\"1/6\"][vc_single_image image=\"12014\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1518614348999{margin-top: 0px !important;margin-bottom: 40px !important;}\"][/vc_column_inner][vc_column_inner width=\"5/6\"][vc_custom_heading text=\"Merchant preferences for cash-based payments\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23ffffff|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\"][kleo_list type=\"icons\" icon_color=\"yes\" inline=\"yes\" align=\"left\" el_class=\"whiteList\"][kleo_list_item icon=\"stop\"]Incentivizing/ subsidizing uptake of digital payment mechanisms among resident small merchants – <em class=\"fw300\">(Local Government Agencies)</em>[/kleo_list_item][kleo_list_item icon=\"stop\"]Access to credit via digital payment platforms - <em class=\"fw300\">(Financial Service Providers)</em>[/kleo_list_item][/kleo_list][/vc_column_inner][/vc_row_inner][vc_row_inner content_placement=\"top\"][vc_column_inner width=\"1/6\"][vc_single_image image=\"12015\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1518614360045{margin-top: 0px !important;margin-bottom: 40px !important;}\"][/vc_column_inner][vc_column_inner width=\"5/6\"][vc_custom_heading text=\"Lack of access to digital money solutions\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23ffffff|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\"][kleo_list type=\"icons\" icon_color=\"yes\" inline=\"yes\" align=\"left\" el_class=\"whiteList\"][kleo_list_item icon=\"stop\"]Better Infrastructure – <em class=\"fw300\">(Local Government Agencies)</em>[/kleo_list_item][kleo_list_item icon=\"stop\"]More awareness and information on potential benefits - <em class=\"fw300\">(Enablers &amp; Financial Service Providers)</em>[/kleo_list_item][/kleo_list][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"WHAT DO WE KNOW?\" font_container=\"tag:h4|font_size:26px|text_align:center|color:%23373a3a|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\"][kleo_gap][vc_column_text text_color=\"#373a3a\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]The needs assessment study recorded that the ultra-poor migrant community of Bhatta Basti, although interested in trying digital payment systems, does not yet have the technical and logistical capabiities needed to do so wholly and immediately.\n\nKey ecosystem actors including financial service providers, local government agencies, and enablers like Catalyst or local community organizations need to collaborate so that systematic efforts can be put in place to ensure active banking, greater access to internet and payment devices, and higher awareness regarding non-smartphone based payments like USSD and AEPS.[/vc_column_text][kleo_list type=\"icons\" icon_color=\"yes\" inline=\"yes\" align=\"left\" el_class=\"redList\"][kleo_list_item icon=\"stop\"]Build awareness and digital literacy on need, benefits, and options for financial inclusion[/kleo_list_item][kleo_list_item icon=\"stop\"]Provide easier access to banks to drive deposit and withdrawal activity[/kleo_list_item][kleo_list_item icon=\"stop\"]Introduce solutions that are compatible with local available infrastructure[/kleo_list_item][/kleo_list][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][kleo_gap size=\"30px\"][vc_custom_heading text=\"WHAT CAN BE DONE?\" font_container=\"tag:h4|font_size:26px|text_align:center|color:%23373a3a|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\"][kleo_gap][vc_single_image image=\"12019\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1518610306121{margin-top: 40px !important;margin-bottom: 40px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"]\n<p style=\"text-align: center;\">A staged, structured approach to the above is needed to improve digital payments and finance penetration in the community. This will require a multi-stakeholder effort comprised of Financial Service Providers, Government Agencies, Community Organizations and change \'Enablers\' such as Catalysts.</p>\n[/vc_column_text][kleo_gap size=\"30px\"][kleo_button title=\"Download full report\" href=\"https://cashlesscatalyst.org/wp-content/uploads/2018/02/Digital-readiness-for-urban-slum.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_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"7886\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1484826151396{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\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>\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]', 'Urban Ultra-poor', '', 'inherit', 'closed', 'closed', '', '11970-autosave-v1', '', '', '2019-02-06 10:50:13', '2019-02-06 10:50:13', '', 11970, 'https://cashlesscatalyst.org/media/11970-autosave-v1/', 0, 'revision', '', 0),
(41146, 0, '2019-04-08 06:45:27', '2019-04-08 06:45:27', 'A new comment on the post \"Miles to go before we sleep, in our journey to a less-cash India\" is waiting for your approval\r\nhttps://cashlesscatalyst.org/miles-go-sleep-journey-less-cash-india/\r\n\r\nAuthor: www.viewpadtryforfree.com (IP: 209.99.174.36, 209.99.174.36)\r\nEmail: carrollaugustin@emailplus.org\r\nURL: https://www.viewpadtryforfree.com/skype-call-recorder-reviews/\r\nComment: \r\nThanks, it is very informative\r\n\r\nApprove it: https://cashlesscatalyst.org/wp-admin/comment.php?action=approve&amp;c=12113#wpbody-content\r\nTrash it: https://cashlesscatalyst.org/wp-admin/comment.php?action=trash&amp;c=12113#wpbody-content\r\nSpam it: https://cashlesscatalyst.org/wp-admin/comment.php?action=spam&amp;c=12113#wpbody-content\r\nCurrently 174 comments are waiting for approval. Please visit the moderation panel:\r\nhttps://cashlesscatalyst.org/wp-admin/edit-comments.php?comment_status=moderated#wpbody-content\r\n', '[Catalyst] Please moderate: \"Miles to go before we sleep, in our journey to a less-cash India\"', 'Bad Request(invalid_grant)', 'private', 'closed', 'closed', '', 'catalyst-please-moderate-miles-to-go-before-we-sleep-in-our-journey-to-a-less-cash-india-11', '', '', '2019-04-08 06:45:27', '2019-04-08 06:45:27', '', 0, 'https://cashlesscatalyst.org/postman_sent_mail/catalyst-please-moderate-miles-to-go-before-we-sleep-in-our-journey-to-a-less-cash-india-11/', 0, 'postman_sent_mail', '', 0),
(41147, 0, '2019-04-08 06:45:27', '2019-04-08 06:45:27', 'A new comment on the post \"Miles to go before we sleep, in our journey to a less-cash India\" is waiting for your approval\r\nhttps://cashlesscatalyst.org/miles-go-sleep-journey-less-cash-india/\r\n\r\nAuthor: www.viewpadtryforfree.com (IP: 209.99.174.36, 209.99.174.36)\r\nEmail: carrollaugustin@emailplus.org\r\nURL: https://www.viewpadtryforfree.com/skype-call-recorder-reviews/\r\nComment: \r\nThanks, it is very informative\r\n\r\nApprove it: https://cashlesscatalyst.org/wp-admin/comment.php?action=approve&amp;c=12113#wpbody-content\r\nTrash it: https://cashlesscatalyst.org/wp-admin/comment.php?action=trash&amp;c=12113#wpbody-content\r\nSpam it: https://cashlesscatalyst.org/wp-admin/comment.php?action=spam&amp;c=12113#wpbody-content\r\nCurrently 174 comments are waiting for approval. Please visit the moderation panel:\r\nhttps://cashlesscatalyst.org/wp-admin/edit-comments.php?comment_status=moderated#wpbody-content\r\n', '[Catalyst] Please moderate: \"Miles to go before we sleep, in our journey to a less-cash India\"', 'Bad Request(invalid_grant)', 'private', 'closed', 'closed', '', 'catalyst-please-moderate-miles-to-go-before-we-sleep-in-our-journey-to-a-less-cash-india-12', '', '', '2019-04-08 06:45:27', '2019-04-08 06:45:27', '', 0, 'https://cashlesscatalyst.org/postman_sent_mail/catalyst-please-moderate-miles-to-go-before-we-sleep-in-our-journey-to-a-less-cash-india-12/', 0, 'postman_sent_mail', '', 0),
(40432, 23, '2019-02-06 10:56:54', '2019-02-06 10:56:54', '[vc_section full_height=\"yes\" css=\".vc_custom_1508398341698{background-image: url(https://cashlesscatalyst.org/wp-content/uploads/2017/10/dairy-banner-1.jpg?id=11593) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\" el_class=\"bgAttFix\"][vc_row equal_height=\"yes\" type=\"color\" bg_color=\"rgba(255,255,255,0.01)\" padding_bottom=\"0\"][vc_column][vc_row_inner equal_height=\"yes\"][vc_column_inner][vc_custom_heading text=\"DIGITIZING DAIRY PAYMENTS BETWEEN DISTRIBUTORS, MERCHANTS AND CONSUMERS <strong>CAN SUPPORT A DAILY USE CASE THAT REACHES EVERY HOUSEHOLD IN THE CITY</strong>\" font_container=\"tag:h1|font_size:32px|text_align:center|color:%23ffffff|line_height:38px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:300%20light%20regular%3A300%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1508412579465{margin-bottom: 0px !important;padding-right: 7% !important;padding-bottom: 0px !important;padding-left: 7% !important;}\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"70px\"][vc_row_inner css=\".vc_custom_1508398123899{margin-top: 0px !important;}\"][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/6\" css=\".vc_custom_1508398145246{background-color: #d11e3b !important;}\"][vc_column_text text_color=\"#232323\" font_size=\"18px\" letter_spacing=\"\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1508412282802{margin-top: -15px !important;}\"]\n<div class=\"row\">\n<div class=\"col-sm-4\"></div>\n<div class=\"col-sm-4\">\n<h3 class=\"innerTitleText\" style=\"text-align: center;\">CURRENT STATE</h3>\n</div>\n<div class=\"col-sm-4\"></div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"SUPPLY CHAIN AND CONSUMER PAYMENTS FOR DAIRY PURCHASES ARE LARGELY CASH BASED AND INEFFICIENT\" font_container=\"tag:h2|font_size:20px|text_align:center|color:%23ffffff|line_height:26px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1508413756101{padding-right: 17% !important;padding-left: 17% !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"11594\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][vc_empty_space height=\"10px\"][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"70px\"][vc_row_inner css=\".vc_custom_1508398123899{margin-top: 0px !important;}\"][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/6\" css=\".vc_custom_1508398145246{background-color: #d11e3b !important;}\"][vc_column_text text_color=\"#232323\" font_size=\"18px\" letter_spacing=\"\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1508412308167{margin-top: -15px !important;}\"]\n<div class=\"row\">\n<div class=\"col-sm-4\"></div>\n<div class=\"col-sm-4\">\n<h3 class=\"innerTitleText\" style=\"text-align: center;\">FUTURE STATE</h3>\n</div>\n<div class=\"col-sm-4\"></div>\n</div>\n[/vc_column_text][vc_custom_heading text=\"DIGITIZING DAIRY CREATES IMMEDIATE VALUE FOR THE DISTRIBUTORS. SOME OF WHICH CAN BE SHARED WITH RETAILERS TO INDUCE THEM TO DIGITISE THEIR CUSTOMER OPERATIONS\" font_container=\"tag:h3|font_size:20px|text_align:center|color:%23ffffff|line_height:26px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1508412356165{padding-right: 12% !important;padding-left: 12% !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"11821\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][vc_empty_space height=\"10px\"][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"70px\"][vc_row_inner css=\".vc_custom_1508398123899{margin-top: 0px !important;}\"][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/6\" css=\".vc_custom_1508398145246{background-color: #d11e3b !important;}\"][vc_empty_space height=\"40px\"][vc_custom_heading text=\"A DIGITAL DAIRY BUSINESS MODEL CAN BE SCALED ACROSS THE COUNTRY TO SUPPORT A DAILY USE CASH THAT REACHES EVERY HOUSEHOLD\" font_container=\"tag:h3|font_size:20px|text_align:center|color:%23ffffff|line_height:26px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" css_animation=\"fadeIn\" letter_spacing=\"\" css=\".vc_custom_1508997497479{padding-right: 19% !important;padding-left: 19% !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"11602\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][vc_empty_space height=\"10px\"][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"70px\"][vc_row_inner css=\".vc_custom_1521624948676{padding-top: 22px !important;padding-right: 15px !important;padding-bottom: 22px !important;padding-left: 15px !important;}\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1521625008501{padding-top: 22px !important;padding-right: 15px !important;padding-bottom: 22px !important;padding-left: 15px !important;background-color: #d11e3b !important;}\"][vc_single_image image=\"12807\" img_size=\"full\" onclick=\"custom_link\" link=\"https://cashlesscatalyst.org/dairy_story/\" css=\".vc_custom_1521626638569{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"User Stories\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23ffffff|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][vc_custom_heading text=\"Milking the benefits of digital payments - A journey towards finding simple solutions\" font_container=\"tag:h4|font_size:18px|text_align:left|color:%23ffffff|line_height:24px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" letter_spacing=\"\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Fdairy_story%2F|||\" el_class=\"lnContainerTitle\"][vc_custom_heading text=\"March, 2018\" font_container=\"tag:p|font_size:14px|text_align:left|color:%23ffffff|line_height:22px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"70px\"][/vc_column][/vc_row][/vc_section][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" enable_parallax=\"false\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"9937\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1484826151396{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\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>\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]', 'Dairy', '', 'inherit', 'closed', 'closed', '', '11592-autosave-v1', '', '', '2019-02-06 10:56:54', '2019-02-06 10:56:54', '', 11592, 'https://cashlesscatalyst.org/media/11592-autosave-v1/', 0, 'revision', '', 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
(40441, 23, '2019-02-06 11:02:45', '2019-02-06 11:02:45', '[vc_row full_height=\"yes\" equal_height=\"yes\" content_placement=\"middle\" type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" padding_bottom=\"0\" bg_image=\"10902\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner el_class=\"title-text\" width=\"1/3\" offset=\"vc_col-md-5\" css=\".vc_custom_1521816908544{margin-top: 20% !important;padding-right: 12% !important;}\"][vc_custom_heading text=\"CATALYZING FINANCIAL SERVICES IN INDIA\" font_container=\"tag:h2|font_size:36px|text_align:left|color:%23ffffff|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1507879776004{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"24px\" letter_spacing=\"\" el_class=\"subtitle\" css=\".vc_custom_1521820283944{padding-right: 12% !important;}\"]The Catalyst  Incubator ‘Fintech for the Last Mile’  promotes innovative and scalable fintech solutions that address the needs of  traditionally underserved market segments.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\" css=\".vc_custom_1500361612396{padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"190px\" visibility=\"hidden-xs\"][kleo_gap size=\"50px\"][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\" padding_bottom=\"0\"][vc_column][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"5/12\"][vc_single_image image=\"10858\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"left-to-right\"][/vc_column_inner][vc_column_inner width=\"7/12\"][vc_custom_heading text=\"Building for the Last Mile\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23000000|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]While the infrastructure to build inclusive financial services has recently been upgraded with the roll-out of UPI, Aadhaar, and India Stack, we are yet to see the power of these systems delivered to end users at scale. There also remains massive scope to build deeper and more targeted workflows on top of an increasingly commoditized payment transaction layer. These software, hardware, or in certain cases, operational solutions can generate tangible and immediate value to key stakeholders across commercial use cases – be it through analytics, access to financing, or streamlined business processes. Catalyst, as part of its broader mission to help small business ecosystems access the benefits of digital finance, will co-design, analyze &amp; validate, as well as enable the scaling of successful solutions. Towards this end, Catalyst offers innovative entrepreneurs technical and financial assistance in the form of performance-based financing, ground operational resources, research methodologies, broader ecosystem linkages, and domain expertise.\n\nThe first round of selection of the incubatees took place in February 2018 where five applicants were selected.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\" padding_top=\"20\" padding_bottom=\"20\"][vc_column][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"7/12\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]We attracted 51 qualified leads through privileged channels like VCs, impact investors, incubators, universities, mentors, and social media\n\n<strong>Pipeline: Applicants across 13 sectors and 14 cities</strong>\n<ul>\n 	<li>Top Sectors: Credit (~39%), Payments (~18%), Invoice Management (~12%)</li>\n 	<li>Locations: 14 cities including Jaipur, Kanpur, Aligarh, and Bhubaneswar</li>\n 	<li>Startup vintage ranged between 1 month to 15 years..</li>\n 	<li>One fifth of applicants had a female(co-)founder</li>\n</ul>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"5/12\"][vc_single_image image=\"13024\" img_size=\"full\" alignment=\"center\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\" padding_top=\"0\" visibility=\"hidden-xs,hidden-sm,hidden-md,hidden-lg,hidden-xlg\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner][vc_custom_heading text=\"PARTNERS\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23000000|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]\n<p style=\"text-align: center;\">Incubator partners provide front-end infrastructure, program management and mentorship under their roof</p>\n[/vc_column_text][vc_single_image image=\"13027\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]\n<p style=\"text-align: center;\">Catalyst provides the \'operating system\' for incubators by integrating participating startups into labs, partner ecosystem, and ground level behavioral leaning infrastructure</p>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row][vc_row el_id=\"start-up\" type=\"image\"][vc_column][vc_custom_heading text=\"THE FIVE SHORTLISTED START-UPS \" 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_row_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1522822556466{padding-bottom: 20px !important;}\"][vc_column_text letter_spacing=\"\" el_id=\"clientlogo\"]\n<div class=\"startup-logo\"><a class=\"toggle\" href=\"https://fingpay.co.in/wp/\" target=\"_blank\" rel=\"noopener noreferrer\" data-target=\"fingpay\"><img class=\"aligncenter\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/03/fingpay.jpg\" alt=\"fingpay\" /></a></div>\n[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1527243638109{padding-right: 15px !important;background-color: #e5e7e6 !important;}\" el_id=\"videolink\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n<p class=\"video-div\" style=\"text-align: right;\"><a class=\"toggle\" data-target=\"fingpay\">Watch the video <img class=\"alignnone size-full wp-image-14469\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/05/video.jpg\" alt=\"\" width=\"24\" height=\"16\" /></a></p>\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1522822971844{padding-bottom: 25px !important;}\"]\n<p style=\"text-align: left;\"><strong><a href=\"https://fingpay.co.in/wp/\" target=\"_blank\" rel=\"noopener noreferrer\">Fingpay </a></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 a mobile.</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text letter_spacing=\"\"]\n<div class=\"startup-logo\"><a class=\"toggle\" href=\"https://paynearby.in/\" target=\"_blank\" rel=\"noopener noreferrer\" data-target=\"paynearby\"><img class=\"aligncenter\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/03/paynearby.jpg\" alt=\"paynearby\" /></a></div>\n[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1527244207257{padding-right: 15px !important;background-color: #e5e7e6 !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n<p class=\"video-div\" style=\"text-align: right;\"><a class=\"toggle\" data-target=\"paynearby\">Watch the video <img class=\"alignnone size-full wp-image-14469\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/05/video.jpg\" alt=\"\" width=\"24\" height=\"16\" /></a></p>\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1522823006369{padding-bottom: 25px !important;}\"]\n<p style=\"text-align: left;\"><strong><a href=\"https://paynearby.in/\" target=\"_blank\" rel=\"noopener noreferrer\">Paynearby</a></strong> enables existing corner shops to become a digital financial services hubs, thereby creating the world’s largest hyperlocal fintech network.</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text letter_spacing=\"\"]\n<div class=\"startup-logo\"><a class=\"toggle\" href=\"http://www.merapaper.com/\" target=\"_blank\" rel=\"noopener noreferrer\" data-target=\"merapaper\"><img class=\"aligncenter\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/03/merapaper.jpg\" alt=\"merapaper\" /></a></div>\n[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1527244281987{padding-right: 15px !important;background-color: #e5e7e6 !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n<p class=\"video-div\" style=\"text-align: right;\"><a class=\"toggle\" data-target=\"merapaper\">Watch the video <img class=\"alignnone size-full wp-image-14469\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/05/video.jpg\" alt=\"\" width=\"24\" height=\"16\" /></a></p>\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1522823058819{padding-bottom: 25px !important;}\"]\n<p style=\"text-align: left;\"><strong><a href=\"http://www.merapaper.com/\" target=\"_blank\" rel=\"noopener noreferrer\">Merapaper</a></strong> provides a micro-ERP to digitize the customer lifecycle, billing, and payments for small B2C merchants.</p>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text letter_spacing=\"\"]\n<div class=\"startup-logo\"><a class=\"toggle\" href=\"https://www.onymy.net/\" target=\"_blank\" rel=\"noopener noreferrer\" data-target=\"paybee\"><img class=\"aligncenter\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/03/paybee.jpg\" alt=\"paybee\" /></a></div>\n[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1527244307240{padding-right: 15px !important;background-color: #e5e7e6 !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n<p class=\"video-div\" style=\"text-align: right;\"><a class=\"toggle\" data-target=\"paybee\">Watch the video <img class=\"alignnone size-full wp-image-14469\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/05/video.jpg\" alt=\"\" width=\"24\" height=\"16\" /></a></p>\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1522823098653{padding-bottom: 25px !important;}\"]\n<p style=\"text-align: left;\"><strong><a href=\"https://www.onymy.net/\" target=\"_blank\" rel=\"noopener noreferrer\">Paybee’s</a></strong> solution automates and digitizes B2B collections in the distributor-retailer value chain.</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text letter_spacing=\"\"]\n<div class=\"startup-logo\"><a class=\"toggle\" href=\"https://kaleidofin.com/\" target=\"_blank\" rel=\"noopener noreferrer\" data-target=\"kaleidofin\"><img class=\"aligncenter\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/03/kaleidofin.jpg\" alt=\"kaleidofin\" /></a></div>\n[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1527244360235{padding-right: 15px !important;background-color: #e5e7e6 !important;}\"]\n<div class=\"team-member-container\">\n<div class=\"team-member\">\n<p class=\"video-div\" style=\"text-align: right;\"><a class=\"toggle\" data-target=\"kaleidofin\">Watch the video <img class=\"alignnone size-full wp-image-14469\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2018/05/video.jpg\" alt=\"\" width=\"24\" height=\"16\" /></a></p>\n\n</div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1522823128780{padding-bottom: 25px !important;}\"]\n<p style=\"text-align: left;\"><strong><a href=\"https://www.kaleidofin.com/\" target=\"_blank\" rel=\"noopener noreferrer\">Kaleidofin </a></strong>is a fintech platform that propels the un/under-banked towards meeting their real life goals by providing tailored financial solutions at scale.</p>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#ffffff\" bg_image=\"7841\"][vc_column][vc_column_text letter_spacing=\"\"]\n<div id=\"fingpay\" class=\"team-profile-container startup-box\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\"></h2>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sapna\">X</a></div>\n</div>\n<div class=\"pteam-member-details\"><iframe id=\"ytfingpay\" src=\"https://www.youtube.com/embed/0QJQOsyrJwY\" width=\"100%\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"paynearby\" class=\"team-profile-container startup-box\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\"></h2>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sapna\">X</a></div>\n</div>\n<div class=\"pteam-member-details\"><iframe src=\"https://www.youtube.com/embed/Jc0IQGnIiEA\" width=\"100%\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"merapaper\" class=\"team-profile-container startup-box\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\"></h2>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sapna\">X</a></div>\n</div>\n<div class=\"pteam-member-details\"><iframe src=\"https://www.youtube.com/embed/kxAjPD3Jwpw\" width=\"100%\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"paybee\" class=\"team-profile-container startup-box\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\"></h2>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sapna\">X</a></div>\n</div>\n<div class=\"pteam-member-details\"><iframe src=\"https://www.youtube.com/embed/UOjszwnqUE8\" width=\"100%\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></div>\n</div>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div id=\"kaleidofin\" class=\"team-profile-container startup-box\">\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\n<h2 class=\"pteam-member-name\"></h2>\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sapna\">X</a></div>\n</div>\n<div class=\"pteam-member-details\"><iframe src=\"https://www.youtube.com/embed/lyOy62lqnSY\" width=\"100%\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></div>\n</div>\n[/vc_column_text][/vc_column][/vc_row][vc_row type=\"image\" bg_attachment=\"true\" enable_parallax=\"false\" bg_image=\"11192\"][vc_column][vc_custom_heading text=\"THE PROCESS\" font_container=\"tag:h2|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:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1521811267105{margin-bottom: 0px !important;padding-bottom: 10px !important;}\"][vc_empty_space height=\"30px\"][vc_row_inner el_class=\"phide-mobile\"][vc_column_inner][vc_single_image image=\"11211\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1504618212057{margin-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" el_class=\"phide-desk\"][vc_column_inner width=\"1/3\"][vc_single_image image=\"11193\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"left-to-right\" css=\".vc_custom_1504617282081{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Up to 33 lakhs<sup>*</sup>\" font_container=\"tag:p|font_size:22px|text_align:center|color:%23ffffff|line_height:28px\" use_theme_fonts=\"yes\" letter_spacing=\"\" el_class=\"cip-title\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1504592402026{padding-right: 13% !important;padding-left: 13% !important;}\"]\n<p style=\"text-align: center;\">per award for activities lasting up to six months and additional benefits</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_single_image image=\"11194\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1504617305542{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Opportunity to refine your product or service\" font_container=\"tag:p|font_size:22px|text_align:center|color:%23ffffff|line_height:28px\" use_theme_fonts=\"yes\" letter_spacing=\"\" el_class=\"cip-title\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1504592597893{padding-right: 11% !important;padding-left: 11% !important;}\"]\n<p style=\"text-align: center;\">and test hypotheses over six months in a dynamic market environment</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_single_image image=\"11195\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css=\".vc_custom_1504617330456{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Mentorship from thought leaders\" font_container=\"tag:p|font_size:22px|text_align:center|color:%23ffffff|line_height:28px\" use_theme_fonts=\"yes\" letter_spacing=\"\" el_class=\"cip-title\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1504592651052{padding-right: 9% !important;padding-left: 9% !important;}\"]\n<p style=\"text-align: center;\">in digital finance companies, social enterprise, and technology entrepreneurship</p>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"30px\"][vc_row_inner equal_height=\"yes\" el_class=\"phide-desk\"][vc_column_inner width=\"1/3\"][vc_single_image image=\"11196\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"left-to-right\" css=\".vc_custom_1504617352679{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Access to small businesses,\" font_container=\"tag:p|font_size:22px|text_align:center|color:%23ffffff|line_height:28px\" use_theme_fonts=\"yes\" letter_spacing=\"\" el_class=\"cip-title\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1521817360295{padding-right: 7% !important;padding-left: 7% !important;}\"]\n<p style=\"text-align: center;\">customers, and suppliers in Jaipur to test your product or service, run pilots, and validate hypotheses</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_single_image image=\"11197\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css=\".vc_custom_1504617375877{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Access to Catalyst’s research team\" font_container=\"tag:p|font_size:22px|text_align:center|color:%23ffffff|line_height:28px\" use_theme_fonts=\"yes\" letter_spacing=\"\" el_class=\"cip-title\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1504593351421{padding-right: 6% !important;padding-left: 6% !important;}\"]\n<p style=\"text-align: center;\">and on-ground learning infrastructure</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_single_image image=\"11017\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css=\".vc_custom_1504594166943{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Access to Catalyst’s broader partner ecosystem,\" font_container=\"tag:p|font_size:22px|text_align:center|color:%23ffffff|line_height:28px\" use_theme_fonts=\"yes\" letter_spacing=\"\" el_class=\"cip-title\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1504593598231{padding-right: 6% !important;padding-left: 6% !important;}\"]\n<p style=\"text-align: center;\">including other fintech companies, traditional financial institutions and government &amp; policy stakeholders</p>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#ffffff\" font_size=\"12px\" letter_spacing=\"\" el_class=\"lh18\"]\n<p style=\"text-align: left;\"><sup>*</sup>inclusive of all taxes</p>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#373a3a\"][vc_column][vc_custom_heading text=\" MEET SOME THOUGHT PARTNERS\" font_container=\"tag:h2|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:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1504945146949{margin-bottom: 0px !important;padding-bottom: 10px !important;}\"][vc_row_inner css=\".vc_custom_1504876397167{margin-top: 40px !important;}\"][vc_column_inner width=\"1/4\"][vc_single_image image=\"11256\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][vc_custom_heading text=\"Rakesh Mishra\" font_container=\"tag:div|font_size:22px|text_align:center|color:%23ffffff|line_height:28px\" use_theme_fonts=\"yes\" letter_spacing=\"\"][vc_custom_heading text=\"Chief Program Advisor\" font_container=\"tag:div|font_size:14px|text_align:center|color:%23ffffff|line_height:20px\" use_theme_fonts=\"yes\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" el_class=\"pwhite\"]\n<p style=\"text-align: center;\"><a class=\"popmake-11270\" href=\"#\">Bio</a>\n<a href=\"https://www.linkedin.com/in/mishrrak/\" target=\"_blank\" rel=\"noopener noreferrer\">LinkedIn</a></p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"11258\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][vc_custom_heading text=\"Rohan Angrish\" font_container=\"tag:div|font_size:22px|text_align:center|color:%23ffffff|line_height:28px\" use_theme_fonts=\"yes\" letter_spacing=\"\"][vc_custom_heading text=\"Head of Innovation\nICICI\" font_container=\"tag:div|font_size:14px|text_align:center|color:%23ffffff|line_height:20px\" use_theme_fonts=\"yes\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" el_class=\"pwhite\"]\n<p style=\"text-align: center;\"><a class=\"popmake-11262\" href=\"#\">Bio</a>\n<a href=\"https://www.linkedin.com/in/rohan-angrish-9149a31/?ppe=1\" target=\"_blank\" rel=\"noopener noreferrer\">LinkedIn</a></p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"11259\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][vc_custom_heading text=\"Sanjay Swamy\" font_container=\"tag:div|font_size:22px|text_align:center|color:%23ffffff|line_height:28px\" use_theme_fonts=\"yes\" letter_spacing=\"\"][vc_custom_heading text=\"Managing Partner &amp; Co-Founder\nPrime Venture\" font_container=\"tag:div|font_size:14px|text_align:center|color:%23ffffff|line_height:20px\" use_theme_fonts=\"yes\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" el_class=\"pwhite\"]\n<p style=\"text-align: center;\"><a class=\"popmake-11265\" href=\"#\">Bio</a>\n<a href=\"https://www.linkedin.com/in/theswamy/?ppe=1\" target=\"_blank\" rel=\"noopener noreferrer\">LinkedIn</a></p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"11260\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][vc_custom_heading text=\"Alok Mittal\" font_container=\"tag:div|font_size:22px|text_align:center|color:%23ffffff|line_height:28px\" use_theme_fonts=\"yes\" letter_spacing=\"\"][vc_custom_heading text=\"Co-Founder and CEO\nIndifi Technologies\" font_container=\"tag:div|font_size:14px|text_align:center|color:%23ffffff|line_height:20px\" use_theme_fonts=\"yes\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" el_class=\"pwhite\"]\n<p style=\"text-align: center;\"><a class=\"popmake-11267\" href=\"#\">Bio</a>\n<a href=\"https://www.linkedin.com/in/alok-mittal-590a/?ppe=1\" target=\"_blank\" rel=\"noopener noreferrer\">LinkedIn</a></p>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row disable_element=\"yes\" type=\"color\" bg_color=\"#f7f7f7\"][vc_column][vc_row_inner][vc_column_inner][rev_slider_vc alias=\"incubator11\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row disable_element=\"yes\" type=\"color\" bg_color=\"#ffffff\" el_class=\"phide\"][vc_column width=\"1/6\"][/vc_column][vc_column width=\"2/3\"][vc_row_inner][vc_column_inner][vc_custom_heading text=\"THE APPLICATION PROCESS\" font_container=\"tag:h2|font_size:32px|text_align:center|color:%23d11e3c|line_height:38px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1504597731150{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"20px\" letter_spacing=\"\" el_class=\"lh26\" css=\".vc_custom_1505456027002{margin-top: -10px !important;padding-top: 0px !important;}\"]\n<p style=\"text-align: center;\"><strong>Applications are due by September 24<sup>th</sup>, 2017</strong></p>\n[/vc_column_text][vc_column_text text_color=\"#373a3a\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1504608245065{padding-right: 5% !important;padding-left: 5% !important;}\"]We will use a two-step process to select finalists. First, applicants must submit a Pitch Deck which will be evaluated against the Eligibility Criteria. Organizations whose applications fulfill all the Eligibility Criteria will be invited to submit a full application.\n\nWe encourage you to apply as early as possible as funds will be allocated on a first-come first-serve basis to organizations with great ideas that meet our eligibility and selection criteria.[/vc_column_text][kleo_gap size=\"30px\"][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1504605718726{margin-bottom: 0px !important;padding-bottom: 0px !important;padding-left: 5% !important;background-color: #d11e3c !important;}\"][vc_column_inner][vc_custom_heading text=\"PITCH DECK SUBMISSION (PHASE I)\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ffffff|line_height:30px\" use_theme_fonts=\"yes\" letter_spacing=\"\" css=\".vc_custom_1504617658019{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 5px !important;padding-bottom: 5px !important;background-color: #d11e3c !important;}\" el_class=\"bold\"][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1504605732098{margin-top: 0px !important;padding-top: 0px !important;padding-right: 5% !important;padding-left: 5% !important;background-color: #ebebeb !important;}\"][vc_column_inner][vc_custom_heading text=\"Mandatory\" font_container=\"tag:h2|font_size:20px|text_align:left|color:%23d11e3c|line_height:26px\" use_theme_fonts=\"yes\" letter_spacing=\"\" el_class=\"bold\" css=\".vc_custom_1504617702369{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1504618892332{margin-top: -10px !important;padding-top: 0px !important;}\"]To submit your Pitch Deck, please fill in the <span class=\"pred\"><a href=\"https://cashlesscatalyst.org/incubator-form/\">Phase I webform</a></span> and attach the following mandatory materials:[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div class=\"pdsContainer\">\n<div class=\"pdsDetails\">\n\n<strong>Pitch Deck</strong> in PowerPoint format of no more than 10 slides - Feel free to be creative, but the following information must be included in your Pitch Deck:\n<ul>\n 	<li><strong>Well-defined problem statement</strong> - Describe the problem you are proposing to resolve.</li>\n 	<li><strong>A solution strategy </strong>- Describe how your idea addresses the problem you propose to solve and the minimum viable product (MVP) you are proposing to develop. We define a reasonable MVP as a combination of services, software, hardware, people and/or code that demonstrates all major features of the proposed solution such that it conveys to any potential user the value proposition and workflow of the product.</li>\n 	<li><strong>A description of the target population</strong> you intend to work with, including their income levels and geographic locations.</li>\n 	<li><strong>A short summary budget</strong> detailing how much the activity will cost and a breakdown of how much of this total budget will be covered by the Catalyst grant and - how much of it will be covered by funds that the organization is willing to contribute from its own resources (what we call “skin in the game”).</li>\n</ul>\n</div>\n<div class=\"pdsDetails\">A copy of your organization’s legal registration that shows it is registered in India and fulfills all the criteria listed in Section 8 (Legal Information) of this APS to be considered an Indian organization.</div>\n<div class=\"pdsDetails\">All materials must be submitted in English and budget amounts must be in Indian Rupees.</div>\n</div>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1504605749196{margin-top: 0px !important;padding-top: 0px !important;padding-right: 5% !important;padding-left: 5% !important;background-color: #ebebeb !important;}\"][vc_column_inner][vc_custom_heading text=\"Optional, but not required Phase I material\" font_container=\"tag:h2|font_size:20px|text_align:left|color:%23d11e3c|line_height:26px\" use_theme_fonts=\"yes\" letter_spacing=\"\" el_class=\"bold\" css=\".vc_custom_1504617776989{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1504617811147{margin-top: -10px !important;padding-top: 0px !important;}\"](please include links in your pitch deck)[/vc_column_text][vc_column_text letter_spacing=\"\"]\n<div class=\"pdsContainer\">\n<div class=\"pdsDetails\"><strong>A link to your MVP</strong>. Nothing sells better than seeing the actual product!</div>\n<div class=\"pdsDetails\"><strong>A one-minute video</strong> explanation or pitch of your product by the founding team</div>\n</div>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1504605718726{margin-bottom: 0px !important;padding-bottom: 0px !important;padding-left: 5% !important;background-color: #d11e3c !important;}\"][vc_column_inner][vc_custom_heading text=\"FULL APPLICATION SUBMISSION (PHASE II)\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ffffff|line_height:30px\" use_theme_fonts=\"yes\" letter_spacing=\"\" css=\".vc_custom_1504617745778{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 5px !important;padding-bottom: 5px !important;background-color: #d11e3c !important;}\" el_class=\"bold\"][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1504607834707{margin-top: 0px !important;padding-top: 0px !important;background-color: #373a3a !important;}\"][vc_column_inner][vc_column_text text_color=\"#ffffff\" font_size=\"15px\" letter_spacing=\"\" el_class=\"lh20 pobhpContainer \" css=\".vc_custom_1504618569508{margin-bottom: 20px !important;padding-right: 5% !important;padding-left: 5% !important;}\"]If you are invited to this phase, we will require you to submit a more detailed set of materials that outline goals and milestones for the program, and how budgetary funds will be used to achieve them. Full templates will be provided by Catalyst to fulfill these submission requirements. When we’ve received all mandatory materials for your application we will review them against our selection criteria and inform you if you’ve been shortlisted for an award within 3 weeks. <a class=\"popmake-phase2 pum-trigger\" style=\"cursor: pointer;\" href=\"#\">Read More</a>\n<p style=\"text-align: center;\">To know more about the program, <a href=\"https://cashlesscatalyst.org/wp-content/uploads/2017/08/APS_Docs.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Click Here</a></p>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1504619259613{margin-top: 40px !important;}\"][vc_column_inner width=\"1/3\"][/vc_column_inner][vc_column_inner width=\"1/3\"][kleo_button title=\"View FAQs\" href=\"https://cashlesscatalyst.org/faq/\" style=\"custom\" border_width=\"1px\" position=\"center\" size=\"sm\" special=\"no\" icon=\"0\" font_size=\"18px\" font_weight=\"400\" letter_spacing=\"\" el_class=\"puploadBtn\" custom_background=\"#d01f3c\" custom_bg_hover=\"#ffffff\" custom_text=\"#ffffff\" custom_text_hover=\"#d01f3c\" custom_border=\"#d01f3c\" custom_border_hover=\"#d01f3c\"][/vc_column_inner][vc_column_inner width=\"1/3\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/6\"][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ebebeb\"][vc_column][vc_custom_heading text=\"PARTNERS\" 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=\"\"][kleo_gap size=\"30px\"][vc_row_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"10881\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9265\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"10882\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9267\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"10883\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"8066\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"30px\"][vc_row_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"10884\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9171\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"10655\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"8070\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"10885\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"10886\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"30px\"][/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_1549450961418{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]', 'Incubator', '', 'inherit', 'closed', 'closed', '', '11186-autosave-v1', '', '', '2019-02-06 11:02:45', '2019-02-06 11:02:45', '', 11186, 'https://cashlesscatalyst.org/media/11186-autosave-v1/', 0, 'revision', '', 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
(40439, 23, '2019-02-06 10:58:51', '0000-00-00 00:00:00', '[vc_row full_height=\"yes\" equal_height=\"yes\" content_placement=\"middle\" type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" padding_bottom=\"0\" bg_image=\"10902\"][vc_column][vc_row_inner content_placement=\"middle\"][vc_column_inner el_class=\"title-text\" width=\"1/3\" offset=\"vc_col-md-5\" css=\".vc_custom_1521816908544{margin-top: 20% !important;padding-right: 12% !important;}\"][vc_custom_heading text=\"CATALYZING FINANCIAL SERVICES IN INDIA\" font_container=\"tag:h2|font_size:36px|text_align:left|color:%23ffffff|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1507879776004{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"24px\" letter_spacing=\"\" el_class=\"subtitle\" css=\".vc_custom_1521820283944{padding-right: 12% !important;}\"]The Catalyst  Incubator ‘Fintech for the Last Mile’  promotes innovative and scalable fintech solutions that address the needs of  traditionally underserved market segments.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/2\" css=\".vc_custom_1500361612396{padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"190px\" visibility=\"hidden-xs\"][kleo_gap size=\"50px\"][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\" padding_bottom=\"0\"][vc_column][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"5/12\"][vc_single_image image=\"10858\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"left-to-right\"][/vc_column_inner][vc_column_inner width=\"7/12\"][vc_custom_heading text=\"Building for the Last Mile\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23000000|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]While the infrastructure to build inclusive financial services has recently been upgraded with the roll-out of UPI, Aadhaar, and India Stack, we are yet to see the power of these systems delivered to end users at scale. There also remains massive scope to build deeper and more targeted workflows on top of an increasingly commoditized payment transaction layer. These software, hardware, or in certain cases, operational solutions can generate tangible and immediate value to key stakeholders across commercial use cases – be it through analytics, access to financing, or streamlined business processes. Catalyst, as part of its broader mission to help small business ecosystems access the benefits of digital finance, will co-design, analyze &amp; validate, as well as enable the scaling of successful solutions. Towards this end, Catalyst offers innovative entrepreneurs technical and financial assistance in the form of performance-based financing, ground operational resources, research methodologies, broader ecosystem linkages, and domain expertise.\r\n\r\nThe first round of selection of the incubatees took place in February 2018 where five applicants were selected.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\" padding_top=\"20\" padding_bottom=\"20\"][vc_column][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"7/12\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]We attracted 51 qualified leads through privileged channels like VCs, impact investors, incubators, universities, mentors, and social media\r\n\r\n<strong>Pipeline: Applicants across 13 sectors and 14 cities</strong>\r\n<ul>\r\n 	<li>Top Sectors: Credit (~39%), Payments (~18%), Invoice Management (~12%)</li>\r\n 	<li>Locations: 14 cities including Jaipur, Kanpur, Aligarh, and Bhubaneswar</li>\r\n 	<li>Startup vintage ranged between 1 month to 15 years..</li>\r\n 	<li>One fifth of applicants had a female(co-)founder</li>\r\n</ul>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"5/12\"][vc_single_image image=\"13024\" img_size=\"full\" alignment=\"center\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ffffff\" padding_top=\"0\" visibility=\"hidden-xs,hidden-sm,hidden-md,hidden-lg,hidden-xlg\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner][vc_custom_heading text=\"PARTNERS\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23000000|line_height:32px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]\r\n<p style=\"text-align: center;\">Incubator partners provide front-end infrastructure, program management and mentorship under their roof</p>\r\n[/vc_column_text][vc_single_image image=\"13027\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]\r\n<p style=\"text-align: center;\">Catalyst provides the \'operating system\' for incubators by integrating participating startups into labs, partner ecosystem, and ground level behavioral leaning infrastructure</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row][vc_row el_id=\"start-up\" type=\"image\"][vc_column][vc_custom_heading text=\"THE FIVE SHORTLISTED START-UPS \" 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_row_inner][vc_column_inner width=\"1/3\" css=\".vc_custom_1522822556466{padding-bottom: 20px !important;}\"][vc_column_text letter_spacing=\"\" el_id=\"clientlogo\"]\r\n<div class=\"startup-logo\"><a class=\"toggle\" href=\"https://fingpay.co.in/wp/\" target=\"_blank\" rel=\"noopener noreferrer\" data-target=\"fingpay\"><img class=\"aligncenter\" src=\"http://cashlesscatalyst.org/wp-content/uploads/2018/03/fingpay.jpg\" alt=\"fingpay\" /></a></div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1527243638109{padding-right: 15px !important;background-color: #e5e7e6 !important;}\" el_id=\"videolink\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n<p class=\"video-div\" style=\"text-align: right;\"><a class=\"toggle\" data-target=\"fingpay\">Watch the video <img class=\"alignnone size-full wp-image-14469\" src=\"http://cashlesscatalyst.org/wp-content/uploads/2018/05/video.jpg\" alt=\"\" width=\"24\" height=\"16\" /></a></p>\r\n\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1522822971844{padding-bottom: 25px !important;}\"]\r\n<p style=\"text-align: left;\"><strong><a href=\"https://fingpay.co.in/wp/\" target=\"_blank\" rel=\"noopener noreferrer\">Fingpay </a></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 a mobile.</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text letter_spacing=\"\"]\r\n<div class=\"startup-logo\"><a class=\"toggle\" href=\"https://paynearby.in/\" target=\"_blank\" rel=\"noopener noreferrer\" data-target=\"paynearby\"><img class=\"aligncenter\" src=\"http://cashlesscatalyst.org/wp-content/uploads/2018/03/paynearby.jpg\" alt=\"paynearby\" /></a></div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1527244207257{padding-right: 15px !important;background-color: #e5e7e6 !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n<p class=\"video-div\" style=\"text-align: right;\"><a class=\"toggle\" data-target=\"paynearby\">Watch the video <img class=\"alignnone size-full wp-image-14469\" src=\"http://cashlesscatalyst.org/wp-content/uploads/2018/05/video.jpg\" alt=\"\" width=\"24\" height=\"16\" /></a></p>\r\n\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1522823006369{padding-bottom: 25px !important;}\"]\r\n<p style=\"text-align: left;\"><strong><a href=\"https://paynearby.in/\" target=\"_blank\" rel=\"noopener noreferrer\">Paynearby</a></strong> enables existing corner shops to become a digital financial services hubs, thereby creating the world’s largest hyperlocal fintech network.</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text letter_spacing=\"\"]\r\n<div class=\"startup-logo\"><a class=\"toggle\" href=\"http://www.merapaper.com/\" target=\"_blank\" rel=\"noopener noreferrer\" data-target=\"merapaper\"><img class=\"aligncenter\" src=\"http://cashlesscatalyst.org/wp-content/uploads/2018/03/merapaper.jpg\" alt=\"merapaper\" /></a></div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1527244281987{padding-right: 15px !important;background-color: #e5e7e6 !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n<p class=\"video-div\" style=\"text-align: right;\"><a class=\"toggle\" data-target=\"merapaper\">Watch the video <img class=\"alignnone size-full wp-image-14469\" src=\"http://cashlesscatalyst.org/wp-content/uploads/2018/05/video.jpg\" alt=\"\" width=\"24\" height=\"16\" /></a></p>\r\n\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1522823058819{padding-bottom: 25px !important;}\"]\r\n<p style=\"text-align: left;\"><strong><a href=\"http://www.merapaper.com/\" target=\"_blank\" rel=\"noopener noreferrer\">Merapaper</a></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_inner][/vc_row_inner][vc_row_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text letter_spacing=\"\"]\r\n<div class=\"startup-logo\"><a class=\"toggle\" href=\"https://www.onymy.net/\" target=\"_blank\" rel=\"noopener noreferrer\" data-target=\"paybee\"><img class=\"aligncenter\" src=\"http://cashlesscatalyst.org/wp-content/uploads/2018/03/paybee.jpg\" alt=\"paybee\" /></a></div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1527244307240{padding-right: 15px !important;background-color: #e5e7e6 !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n<p class=\"video-div\" style=\"text-align: right;\"><a class=\"toggle\" data-target=\"paybee\">Watch the video <img class=\"alignnone size-full wp-image-14469\" src=\"http://cashlesscatalyst.org/wp-content/uploads/2018/05/video.jpg\" alt=\"\" width=\"24\" height=\"16\" /></a></p>\r\n\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1522823098653{padding-bottom: 25px !important;}\"]\r\n<p style=\"text-align: left;\"><strong><a href=\"https://www.onymy.net/\" target=\"_blank\" rel=\"noopener noreferrer\">Paybee’s</a></strong> solution automates and digitizes B2B collections in the distributor-retailer value chain.</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text letter_spacing=\"\"]\r\n<div class=\"startup-logo\"><a class=\"toggle\" href=\"https://kaleidofin.com/\" target=\"_blank\" rel=\"noopener noreferrer\" data-target=\"kaleidofin\"><img class=\"aligncenter\" src=\"http://cashlesscatalyst.org/wp-content/uploads/2018/03/kaleidofin.jpg\" alt=\"kaleidofin\" /></a></div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1527244360235{padding-right: 15px !important;background-color: #e5e7e6 !important;}\"]\r\n<div class=\"team-member-container\">\r\n<div class=\"team-member\">\r\n<p class=\"video-div\" style=\"text-align: right;\"><a class=\"toggle\" data-target=\"kaleidofin\">Watch the video <img class=\"alignnone size-full wp-image-14469\" src=\"http://cashlesscatalyst.org/wp-content/uploads/2018/05/video.jpg\" alt=\"\" width=\"24\" height=\"16\" /></a></p>\r\n\r\n</div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1522823128780{padding-bottom: 25px !important;}\"]\r\n<p style=\"text-align: left;\"><strong><a href=\"https://www.kaleidofin.com/\" target=\"_blank\" rel=\"noopener noreferrer\">Kaleidofin </a></strong>is a fintech platform that propels the un/under-banked towards meeting their real life goals by providing tailored financial solutions at scale.</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_color=\"#ffffff\" bg_image=\"7841\"][vc_column][vc_column_text letter_spacing=\"\"]\r\n<div id=\"fingpay\" class=\"team-profile-container startup-box\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\"></h2>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sapna\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\"><iframe id=\"ytfingpay\" src=\"https://www.youtube.com/embed/0QJQOsyrJwY\" width=\"100%\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"paynearby\" class=\"team-profile-container startup-box\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\"></h2>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sapna\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\"><iframe src=\"https://www.youtube.com/embed/Jc0IQGnIiEA\" width=\"100%\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"merapaper\" class=\"team-profile-container startup-box\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\"></h2>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sapna\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\"><iframe src=\"https://www.youtube.com/embed/kxAjPD3Jwpw\" width=\"100%\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"paybee\" class=\"team-profile-container startup-box\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\"></h2>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sapna\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\"><iframe src=\"https://www.youtube.com/embed/UOjszwnqUE8\" width=\"100%\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></div>\r\n</div>\r\n[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div id=\"kaleidofin\" class=\"team-profile-container startup-box\">\r\n<div class=\"team-profile-inner\" style=\"margin: 0 auto;\">\r\n<h2 class=\"pteam-member-name\"></h2>\r\n<div class=\"pclose-btn\"><a class=\"close \" data-target=\"sapna\">X</a></div>\r\n</div>\r\n<div class=\"pteam-member-details\"><iframe src=\"https://www.youtube.com/embed/lyOy62lqnSY\" width=\"100%\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></div>\r\n</div>\r\n[/vc_column_text][/vc_column][/vc_row][vc_row type=\"image\" bg_attachment=\"true\" enable_parallax=\"false\" bg_image=\"11192\"][vc_column][vc_custom_heading text=\"THE PROCESS\" font_container=\"tag:h2|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:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1521811267105{margin-bottom: 0px !important;padding-bottom: 10px !important;}\"][vc_empty_space height=\"30px\"][vc_row_inner el_class=\"phide-mobile\"][vc_column_inner][vc_single_image image=\"11211\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1504618212057{margin-bottom: 0px !important;}\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" el_class=\"phide-desk\"][vc_column_inner width=\"1/3\"][vc_single_image image=\"11193\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"left-to-right\" css=\".vc_custom_1504617282081{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Up to 33 lakhs<sup>*</sup>\" font_container=\"tag:p|font_size:22px|text_align:center|color:%23ffffff|line_height:28px\" use_theme_fonts=\"yes\" letter_spacing=\"\" el_class=\"cip-title\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1504592402026{padding-right: 13% !important;padding-left: 13% !important;}\"]\r\n<p style=\"text-align: center;\">per award for activities lasting up to six months and additional benefits</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_single_image image=\"11194\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1504617305542{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Opportunity to refine your product or service\" font_container=\"tag:p|font_size:22px|text_align:center|color:%23ffffff|line_height:28px\" use_theme_fonts=\"yes\" letter_spacing=\"\" el_class=\"cip-title\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1504592597893{padding-right: 11% !important;padding-left: 11% !important;}\"]\r\n<p style=\"text-align: center;\">and test hypotheses over six months in a dynamic market environment</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_single_image image=\"11195\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css=\".vc_custom_1504617330456{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Mentorship from thought leaders\" font_container=\"tag:p|font_size:22px|text_align:center|color:%23ffffff|line_height:28px\" use_theme_fonts=\"yes\" letter_spacing=\"\" el_class=\"cip-title\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1504592651052{padding-right: 9% !important;padding-left: 9% !important;}\"]\r\n<p style=\"text-align: center;\">in digital finance companies, social enterprise, and technology entrepreneurship</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"30px\"][vc_row_inner equal_height=\"yes\" el_class=\"phide-desk\"][vc_column_inner width=\"1/3\"][vc_single_image image=\"11196\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"left-to-right\" css=\".vc_custom_1504617352679{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Access to small businesses,\" font_container=\"tag:p|font_size:22px|text_align:center|color:%23ffffff|line_height:28px\" use_theme_fonts=\"yes\" letter_spacing=\"\" el_class=\"cip-title\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1521817360295{padding-right: 7% !important;padding-left: 7% !important;}\"]\r\n<p style=\"text-align: center;\">customers, and suppliers in Jaipur to test your product or service, run pilots, and validate hypotheses</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_single_image image=\"11197\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css=\".vc_custom_1504617375877{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Access to Catalyst’s research team\" font_container=\"tag:p|font_size:22px|text_align:center|color:%23ffffff|line_height:28px\" use_theme_fonts=\"yes\" letter_spacing=\"\" el_class=\"cip-title\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1504593351421{padding-right: 6% !important;padding-left: 6% !important;}\"]\r\n<p style=\"text-align: center;\">and on-ground learning infrastructure</p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_single_image image=\"11017\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css=\".vc_custom_1504594166943{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Access to Catalyst’s broader partner ecosystem,\" font_container=\"tag:p|font_size:22px|text_align:center|color:%23ffffff|line_height:28px\" use_theme_fonts=\"yes\" letter_spacing=\"\" el_class=\"cip-title\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1504593598231{padding-right: 6% !important;padding-left: 6% !important;}\"]\r\n<p style=\"text-align: center;\">including other fintech companies, traditional financial institutions and government &amp; policy stakeholders</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#ffffff\" font_size=\"12px\" letter_spacing=\"\" el_class=\"lh18\"]\r\n<p style=\"text-align: left;\"><sup>*</sup>inclusive of all taxes</p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#373a3a\"][vc_column][vc_custom_heading text=\" MEET SOME THOUGHT PARTNERS\" font_container=\"tag:h2|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:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1504945146949{margin-bottom: 0px !important;padding-bottom: 10px !important;}\"][vc_row_inner css=\".vc_custom_1504876397167{margin-top: 40px !important;}\"][vc_column_inner width=\"1/4\"][vc_single_image image=\"11256\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][vc_custom_heading text=\"Rakesh Mishra\" font_container=\"tag:div|font_size:22px|text_align:center|color:%23ffffff|line_height:28px\" use_theme_fonts=\"yes\" letter_spacing=\"\"][vc_custom_heading text=\"Chief Program Advisor\" font_container=\"tag:div|font_size:14px|text_align:center|color:%23ffffff|line_height:20px\" use_theme_fonts=\"yes\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" el_class=\"pwhite\"]\r\n<p style=\"text-align: center;\"><a class=\"popmake-11270\" href=\"#\">Bio</a>\r\n<a href=\"https://www.linkedin.com/in/mishrrak/\" target=\"_blank\" rel=\"noopener noreferrer\">LinkedIn</a></p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"11258\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][vc_custom_heading text=\"Rohan Angrish\" font_container=\"tag:div|font_size:22px|text_align:center|color:%23ffffff|line_height:28px\" use_theme_fonts=\"yes\" letter_spacing=\"\"][vc_custom_heading text=\"Head of Innovation\r\nICICI\" font_container=\"tag:div|font_size:14px|text_align:center|color:%23ffffff|line_height:20px\" use_theme_fonts=\"yes\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" el_class=\"pwhite\"]\r\n<p style=\"text-align: center;\"><a class=\"popmake-11262\" href=\"#\">Bio</a>\r\n<a href=\"https://www.linkedin.com/in/rohan-angrish-9149a31/?ppe=1\" target=\"_blank\" rel=\"noopener noreferrer\">LinkedIn</a></p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"11259\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][vc_custom_heading text=\"Sanjay Swamy\" font_container=\"tag:div|font_size:22px|text_align:center|color:%23ffffff|line_height:28px\" use_theme_fonts=\"yes\" letter_spacing=\"\"][vc_custom_heading text=\"Managing Partner &amp; Co-Founder\r\nPrime Venture\" font_container=\"tag:div|font_size:14px|text_align:center|color:%23ffffff|line_height:20px\" use_theme_fonts=\"yes\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" el_class=\"pwhite\"]\r\n<p style=\"text-align: center;\"><a class=\"popmake-11265\" href=\"#\">Bio</a>\r\n<a href=\"https://www.linkedin.com/in/theswamy/?ppe=1\" target=\"_blank\" rel=\"noopener noreferrer\">LinkedIn</a></p>\r\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"11260\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][vc_custom_heading text=\"Alok Mittal\" font_container=\"tag:div|font_size:22px|text_align:center|color:%23ffffff|line_height:28px\" use_theme_fonts=\"yes\" letter_spacing=\"\"][vc_custom_heading text=\"Co-Founder and CEO\r\nIndifi Technologies\" font_container=\"tag:div|font_size:14px|text_align:center|color:%23ffffff|line_height:20px\" use_theme_fonts=\"yes\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" el_class=\"pwhite\"]\r\n<p style=\"text-align: center;\"><a class=\"popmake-11267\" href=\"#\">Bio</a>\r\n<a href=\"https://www.linkedin.com/in/alok-mittal-590a/?ppe=1\" target=\"_blank\" rel=\"noopener noreferrer\">LinkedIn</a></p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row disable_element=\"yes\" type=\"color\" bg_color=\"#f7f7f7\"][vc_column][vc_row_inner][vc_column_inner][rev_slider_vc alias=\"incubator11\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row disable_element=\"yes\" type=\"color\" bg_color=\"#ffffff\" el_class=\"phide\"][vc_column width=\"1/6\"][/vc_column][vc_column width=\"2/3\"][vc_row_inner][vc_column_inner][vc_custom_heading text=\"THE APPLICATION PROCESS\" font_container=\"tag:h2|font_size:32px|text_align:center|color:%23d11e3c|line_height:38px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1504597731150{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"20px\" letter_spacing=\"\" el_class=\"lh26\" css=\".vc_custom_1505456027002{margin-top: -10px !important;padding-top: 0px !important;}\"]\r\n<p style=\"text-align: center;\"><strong>Applications are due by September 24<sup>th</sup>, 2017</strong></p>\r\n[/vc_column_text][vc_column_text text_color=\"#373a3a\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1504608245065{padding-right: 5% !important;padding-left: 5% !important;}\"]We will use a two-step process to select finalists. First, applicants must submit a Pitch Deck which will be evaluated against the Eligibility Criteria. Organizations whose applications fulfill all the Eligibility Criteria will be invited to submit a full application.\r\n\r\nWe encourage you to apply as early as possible as funds will be allocated on a first-come first-serve basis to organizations with great ideas that meet our eligibility and selection criteria.[/vc_column_text][kleo_gap size=\"30px\"][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1504605718726{margin-bottom: 0px !important;padding-bottom: 0px !important;padding-left: 5% !important;background-color: #d11e3c !important;}\"][vc_column_inner][vc_custom_heading text=\"PITCH DECK SUBMISSION (PHASE I)\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ffffff|line_height:30px\" use_theme_fonts=\"yes\" letter_spacing=\"\" css=\".vc_custom_1504617658019{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 5px !important;padding-bottom: 5px !important;background-color: #d11e3c !important;}\" el_class=\"bold\"][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1504605732098{margin-top: 0px !important;padding-top: 0px !important;padding-right: 5% !important;padding-left: 5% !important;background-color: #ebebeb !important;}\"][vc_column_inner][vc_custom_heading text=\"Mandatory\" font_container=\"tag:h2|font_size:20px|text_align:left|color:%23d11e3c|line_height:26px\" use_theme_fonts=\"yes\" letter_spacing=\"\" el_class=\"bold\" css=\".vc_custom_1504617702369{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1504618892332{margin-top: -10px !important;padding-top: 0px !important;}\"]To submit your Pitch Deck, please fill in the <span class=\"pred\"><a href=\"http://cashlesscatalyst.org/incubator-form/\">Phase I webform</a></span> and attach the following mandatory materials:[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div class=\"pdsContainer\">\r\n<div class=\"pdsDetails\">\r\n\r\n<strong>Pitch Deck</strong> in PowerPoint format of no more than 10 slides - Feel free to be creative, but the following information must be included in your Pitch Deck:\r\n<ul>\r\n 	<li><strong>Well-defined problem statement</strong> - Describe the problem you are proposing to resolve.</li>\r\n 	<li><strong>A solution strategy </strong>- Describe how your idea addresses the problem you propose to solve and the minimum viable product (MVP) you are proposing to develop. We define a reasonable MVP as a combination of services, software, hardware, people and/or code that demonstrates all major features of the proposed solution such that it conveys to any potential user the value proposition and workflow of the product.</li>\r\n 	<li><strong>A description of the target population</strong> you intend to work with, including their income levels and geographic locations.</li>\r\n 	<li><strong>A short summary budget</strong> detailing how much the activity will cost and a breakdown of how much of this total budget will be covered by the Catalyst grant and - how much of it will be covered by funds that the organization is willing to contribute from its own resources (what we call “skin in the game”).</li>\r\n</ul>\r\n</div>\r\n<div class=\"pdsDetails\">A copy of your organization’s legal registration that shows it is registered in India and fulfills all the criteria listed in Section 8 (Legal Information) of this APS to be considered an Indian organization.</div>\r\n<div class=\"pdsDetails\">All materials must be submitted in English and budget amounts must be in Indian Rupees.</div>\r\n</div>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1504605749196{margin-top: 0px !important;padding-top: 0px !important;padding-right: 5% !important;padding-left: 5% !important;background-color: #ebebeb !important;}\"][vc_column_inner][vc_custom_heading text=\"Optional, but not required Phase I material\" font_container=\"tag:h2|font_size:20px|text_align:left|color:%23d11e3c|line_height:26px\" use_theme_fonts=\"yes\" letter_spacing=\"\" el_class=\"bold\" css=\".vc_custom_1504617776989{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1504617811147{margin-top: -10px !important;padding-top: 0px !important;}\"](please include links in your pitch deck)[/vc_column_text][vc_column_text letter_spacing=\"\"]\r\n<div class=\"pdsContainer\">\r\n<div class=\"pdsDetails\"><strong>A link to your MVP</strong>. Nothing sells better than seeing the actual product!</div>\r\n<div class=\"pdsDetails\"><strong>A one-minute video</strong> explanation or pitch of your product by the founding team</div>\r\n</div>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1504605718726{margin-bottom: 0px !important;padding-bottom: 0px !important;padding-left: 5% !important;background-color: #d11e3c !important;}\"][vc_column_inner][vc_custom_heading text=\"FULL APPLICATION SUBMISSION (PHASE II)\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ffffff|line_height:30px\" use_theme_fonts=\"yes\" letter_spacing=\"\" css=\".vc_custom_1504617745778{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 5px !important;padding-bottom: 5px !important;background-color: #d11e3c !important;}\" el_class=\"bold\"][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1504607834707{margin-top: 0px !important;padding-top: 0px !important;background-color: #373a3a !important;}\"][vc_column_inner][vc_column_text text_color=\"#ffffff\" font_size=\"15px\" letter_spacing=\"\" el_class=\"lh20 pobhpContainer \" css=\".vc_custom_1504618569508{margin-bottom: 20px !important;padding-right: 5% !important;padding-left: 5% !important;}\"]If you are invited to this phase, we will require you to submit a more detailed set of materials that outline goals and milestones for the program, and how budgetary funds will be used to achieve them. Full templates will be provided by Catalyst to fulfill these submission requirements. When we’ve received all mandatory materials for your application we will review them against our selection criteria and inform you if you’ve been shortlisted for an award within 3 weeks. <a class=\"popmake-phase2 pum-trigger\" style=\"cursor: pointer;\" href=\"#\">Read More</a>\r\n<p style=\"text-align: center;\">To know more about the program, <a href=\"http://cashlesscatalyst.org/wp-content/uploads/2017/08/APS_Docs.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Click Here</a></p>\r\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1504619259613{margin-top: 40px !important;}\"][vc_column_inner width=\"1/3\"][/vc_column_inner][vc_column_inner width=\"1/3\"][kleo_button title=\"View FAQs\" href=\"http://cashlesscatalyst.org/faq/\" style=\"custom\" border_width=\"1px\" position=\"center\" size=\"sm\" special=\"no\" icon=\"0\" font_size=\"18px\" font_weight=\"400\" letter_spacing=\"\" el_class=\"puploadBtn\" custom_background=\"#d01f3c\" custom_bg_hover=\"#ffffff\" custom_text=\"#ffffff\" custom_text_hover=\"#d01f3c\" custom_border=\"#d01f3c\" custom_border_hover=\"#d01f3c\"][/vc_column_inner][vc_column_inner width=\"1/3\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/6\"][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ebebeb\"][vc_column][vc_custom_heading text=\"PARTNERS\" 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=\"\"][kleo_gap size=\"30px\"][vc_row_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"10881\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9265\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"10882\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9267\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"10883\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"8066\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"30px\"][vc_row_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"10884\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9171\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"10655\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"8070\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"10885\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"10886\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"30px\"][/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_1526058473147{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]', 'Incubator', '', 'draft', 'closed', 'closed', '', '', '', '', '2019-02-06 10:58:51', '0000-00-00 00:00:00', '', 0, 'https://cashlesscatalyst.org/?page_id=40439', 0, 'page', '', 0);
INSERT INTO `in_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES
(40442, 23, '2019-02-06 11:04:11', '2019-02-06 11:04:11', '[vc_row padding_top=\"0\" padding_bottom=\"0\"][vc_column][vc_row_inner][vc_column_inner][rev_slider_vc alias=\"home-banner\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" el_id=\"first-section\" disable_element=\"yes\" front_status=\"draft\" inner_container=\"no\" type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" padding_bottom=\"0\" fixed_height=\"899px\"][vc_column][vc_row_inner inner_container=\"yes\" min_height=\"899px\" bg_pos_h=\"center\" bg_pos_v=\"top\" css=\".vc_custom_1483077947446{background-image: url(https://cashlesscatalyst.org/wp-content/uploads/2015/11/triangle-banner1.png?id=7987) !important;background-position: 0 0 !important;background-repeat: no-repeat !important;}\" el_id=\"white-triangle\"][vc_column_inner el_class=\"pzindex\" offset=\"vc_col-lg-6 vc_col-md-8 vc_col-xs-12\"][kleo_gap size=\"120px\" visibility=\"visible-xs\"][kleo_gap size=\"160px\" visibility=\"visible-sm\"][kleo_gap size=\"200px\" visibility=\"visible-md,visible-lg\"][vc_custom_heading text=\"BRIDGING THE FINANCIAL DIVIDE THROUGH DIGITAL PAYMENTS\" font_container=\"tag:h1|font_size:36px|text_align:left|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text font_size=\"16px\" vertical_separator=\"yes\" letter_spacing=\"\" letter-spacing=\"75\"]Catalyst is working to help India’s small businesses and low-income consumers unlock the power of digital payments to gain access to broader financial services and create opportunities vital to their future prosperity.[/vc_column_text][vc_column_text letter_spacing=\"\" css=\".vc_custom_1488436513549{margin-left: 40px !important;}\"]\n<p style=\"text-align: left;\"><span class=\"learn-more\"><a style=\"text-decoration: none;\" href=\"https://cashlesscatalyst.org/about\">Learn More <i class=\"fa fa-angle-right\"></i></a></span></p>\n[/vc_column_text][vc_btn title=\"Learn More\" style=\"custom\" custom_background=\"\" custom_text=\"#000000\" shape=\"square\" size=\"lg\" i_align=\"right\" i_icon_fontawesome=\"fa fa-angle-right\" add_icon=\"true\" el_class=\"learn-more hidden\" link=\"url:http%3A%2F%2Fcashlesscatalyst.org%2Fbeta%2Fabout|title:Learn%20More||\"][/vc_column_inner][vc_column_inner offset=\"vc_col-lg-3\"][/vc_column_inner][vc_column_inner offset=\"vc_col-lg-4 vc_col-md-4 vc_col-xs-12\"][kleo_gap size=\"213px\" visibility=\"visible-xs,visible-sm\"][kleo_gap size=\"634px\" visibility=\"visible-md,visible-lg\"][vc_single_image image=\"7820\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"services\" type=\"image\" bg_color=\"#ffffff\" bg_repeat=\"repeat\" padding_top=\"\" padding_bottom=\"\"][vc_column][kleo_magic_container position=\"absolute\" top=\"0px\" left=\"50%\" min_height=\"521px\" width=\"2560px\" el_class=\"phide\" css=\".vc_custom_1504873033198{margin-left: -1145px !important;background-image: url(https://cashlesscatalyst.org/wp-content/uploads/2015/11/home-banner-triangle.png?id=7813) !important;background-position: 0 0 !important;background-repeat: no-repeat !important;}\"][/kleo_magic_container][vc_row_inner equal_height=\"yes\" css=\".vc_custom_1486361953253{margin-bottom: 20px !important;padding-top: 5% !important;padding-right: 5% !important;padding-left: 5% !important;background-color: #ffffff !important;}\"][vc_column_inner css=\".vc_custom_1486361714089{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"THE CURRENT INDIAN PAYMENT CONTEXT\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487844018271{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_empty_space height=\"20px\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_single_image image=\"12344\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1520527988267{margin-bottom: 10px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1488778066775{padding-right: 2.5% !important;padding-left: 2.5% !important;}\"]\n<p style=\"text-align: center;\">Digitization of person to merchant expenditure</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_single_image image=\"9539\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1488436279207{margin-bottom: 10px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" el_class=\"lh24\"]\n<p style=\"text-align: center;\">Digitization of small retailer to supplier payments</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_single_image image=\"9795\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1488779580873{margin-bottom: 10px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" el_class=\"lh24\"]\n<p style=\"text-align: center;\">Cost of cash as a share of GDP</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner][kleo_gap size=\"30px\"][vc_column_text letter_spacing=\"\"]\n<p style=\"text-align: center;\"><span class=\"learn-more\"><a style=\"text-decoration: none;\" href=\"https://cashlesscatalyst.org/about#navigating-unchartered-waters\">Learn More <i class=\"fa fa-angle-right\"></i></a></span></p>\n[/vc_column_text][kleo_gap size=\"40px\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"services\" disable_element=\"yes\" front_status=\"draft\" type=\"image\" bg_image=\"7841\"][vc_column][vc_row_inner inner_container=\"yes\" css=\".vc_custom_1488440272700{padding-right: 0px !important;padding-left: 0px !important;}\"][vc_column_inner css=\".vc_custom_1488440278733{padding-top: 20px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][vc_custom_heading text=\"OVERCOMING THE CHALLENGES OF LAST MILE FINANCIAL INCLUSION\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:36px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text font_size=\"18px\" letter_spacing=\"\" el_class=\"pcenter\" css=\".vc_custom_1488444536190{padding-right: 17% !important;padding-left: 17% !important;}\"]Catalyst aims to leverage recent advancements in digital payments technology as well as new policy and regulatory initiatives to build scalable and sustainable models to achieve last mile financial inclusion.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner el_class=\"row-no-gap pbtlm-container\" css=\".vc_custom_1488463745277{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_inner width=\"5/12\" css=\".vc_custom_1488462634730{margin-right: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;}\"][kleo_gap size=\"220px\" class=\"pheight150\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" css=\".vc_custom_1488462601539{padding-top: 10px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}\"]\n<table width=\"100%\" cellspacing=\"10\" cellpadding=\"10\" align=\"right\">\n<tbody>\n<tr>\n<td></td>\n<td align=\"left\" valign=\"top\" width=\"300\">\n<h3 style=\"text-align: right;\"><strong>Policy</strong></h3>\n<p style=\"text-align: right;\">Government initiatives such as Jan Dhan Yojana, Direct benefit Transfers, Small Finance and Payment Banks, and Incentives for a Less Cash Economy - to promote democratization of finance</p>\n</td>\n<td align=\"left\" valign=\"top\" width=\"113\"><img class=\"alignleft size-full wp-image-9546\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2015/11/home-icon-05.png\" alt=\"home-icon-05\" width=\"101\" height=\"114\" /></td>\n</tr>\n</tbody>\n</table>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"2/12\" css=\".vc_custom_1488463840016{margin-right: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}\"][kleo_gap size=\"45px\" class=\"pheight50\"][vc_column_text letter_spacing=\"\" css=\".vc_custom_1488464611366{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}\"]\n<div><img class=\"size-full wp-image-9676 aligncenter\" style=\"margin-bottm: 0; padding-bottom: 0;\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2017/03/time-line-1.png\" alt=\"time-line\" width=\"220\" height=\"391\" /></div>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"5/12\" css=\".vc_custom_1488462641546{margin-right: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" css=\".vc_custom_1488462617155{padding-top: 10px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}\"]\n<table width=\"100%\" cellspacing=\"10\" cellpadding=\"10\">\n<tbody>\n<tr>\n<td align=\"left\" valign=\"top\" width=\"113\"><img class=\"alignleft size-full wp-image-9545\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2015/11/home-icon-04.png\" alt=\"home-icon-04\" width=\"101\" height=\"114\" /></td>\n<td align=\"left\" valign=\"top\" width=\"300\">\n<h3><strong>Technology</strong></h3>\nOpen, interoperable platform technologies such as Aadhaar, Unified Payments Interface (UPI), and the ‘Indian Stack’ -- with an overarching layer of innovative apps</td>\n<td></td>\n</tr>\n</tbody>\n</table>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1488465033413{margin-top: 0px !important;padding-top: 0px !important;}\" el_class=\"row-no-gap pbtlm-container\"][vc_column_inner width=\"1/6\"][/vc_column_inner][vc_column_inner width=\"2/3\" css=\".vc_custom_1488463771273{margin-top: 0px !important;padding-top: 0px !important;}\"][vc_single_image image=\"9564\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1488463262951{margin-top: 0px !important;margin-bottom: 10px !important;padding-top: 0px !important;}\"][vc_custom_heading text=\"Last Mile\" font_container=\"tag:h3|font_size:22px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488463185634{padding-top: 5px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]\n<p style=\"text-align: center;\">Coordinated motivation of small businesses, consumers and solution providers to drive high-frequency, low-value digital transactions and large scale adoption</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][vc_row_inner content_placement=\"middle\" inner_container=\"yes\" el_class=\"row-no-gap pbtlm-containerm\" css=\".vc_custom_1488465064371{padding-right: 0px !important;padding-bottom: 20px !important;padding-left: 0px !important;}\"][vc_column_inner css=\".vc_custom_1488465072961{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#ffffff\" letter_spacing=\"75\"]<img class=\"size-full wp-image-9545 aligncenter\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2015/11/home-icon-04.png\" alt=\"home-icon-04\" width=\"101\" height=\"114\" />[/vc_column_text][vc_custom_heading text=\"Technology\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488464879416{padding-top: 5px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]\n<p style=\"text-align: center;\">Open, interoperable platform technologies such as Aadhaar, Unified Payments Interface (UPI), and the ‘Indian Stack’ -- with an overarching layer of innovative apps</p>\n[/vc_column_text][kleo_gap size=\"20px\"][vc_column_text letter_spacing=\"\"]<img class=\"size-full wp-image-9546 aligncenter\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2015/11/home-icon-05.png\" alt=\"home-icon-05\" width=\"101\" height=\"114\" />[/vc_column_text][vc_custom_heading text=\"Policy\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488464902446{padding-top: 5px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]\n<p style=\"text-align: center;\">Government initiatives such as Jan Dhan Yojana, Direct benefit Transfers, Small Finance and Payment Banks, and Incentives for a Less Cash Economy - to promote democratization of finance</p>\n[/vc_column_text][kleo_gap size=\"20px\"][vc_column_text letter_spacing=\"\"]<img class=\"size-full wp-image-9564 aligncenter\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2017/03/home-icon-06.png\" alt=\"home-icon-06\" width=\"101\" height=\"114\" />[/vc_column_text][vc_custom_heading text=\"Last Mile\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488464926557{padding-top: 5px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]\n<p style=\"text-align: center;\">Coordinated motivation of small businesses, consumers and solution providers to drive high-frequency, low-value digital transactions and large scale adoption</p>\n[/vc_column_text][kleo_gap size=\"20px\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" visibility=\"hidden-xs,hidden-sm,hidden-md,visible-lg,visible-xlg\" bg_image=\"10057\"][vc_column][vc_row_inner inner_container=\"yes\" css=\".vc_custom_1488440272700{padding-right: 0px !important;padding-left: 0px !important;}\"][vc_column_inner css=\".vc_custom_1488440278733{padding-top: 20px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][vc_custom_heading text=\"NEGOTIATING THE CHALLENGES OF THE LAST MILE\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23ffffff|line_height:36px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"18px\" letter_spacing=\"\" el_class=\"pcenter\" css=\".vc_custom_1504598529461{padding-right: 17% !important;padding-left: 17% !important;}\"]Catalyst aims to build on recent advancements in digital payments technology and policy to create scalable and sustainable models to achieve last mile financial inclusion[/vc_column_text][vc_empty_space height=\"40px\"][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1488465033413{margin-top: 0px !important;padding-top: 0px !important;}\" el_class=\"row-no-gap pbtlm-container\"][vc_column_inner][vc_single_image image=\"9992\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1491920995715{margin-top: 0px !important;margin-bottom: 10px !important;padding-top: 0px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" visibility=\"hidden-lg,hidden-xlg\" bg_image=\"10057\"][vc_column][vc_row_inner inner_container=\"yes\" css=\".vc_custom_1488440272700{padding-right: 0px !important;padding-left: 0px !important;}\"][vc_column_inner css=\".vc_custom_1488440278733{padding-top: 20px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][vc_custom_heading text=\"NEGOTIATING THE CHALLENGES OF THE LAST MILE\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23ffffff|line_height:36px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#ffffff\" font_size=\"18px\" letter_spacing=\"\" el_class=\"pcenter\" css=\".vc_custom_1489497140001{padding-right: 17% !important;padding-left: 17% !important;}\"]Catalyst aims to build on recent advancements in digital payments technology and policy to create scalable and sustainable models to achieve last mile financial inclusion.[/vc_column_text][vc_empty_space height=\"40px\"][/vc_column_inner][/vc_row_inner][vc_row_inner content_placement=\"middle\" inner_container=\"yes\" el_class=\"row-no-gap pbtlm-containerm\" css=\".vc_custom_1488465064371{padding-right: 0px !important;padding-bottom: 20px !important;padding-left: 0px !important;}\"][vc_column_inner css=\".vc_custom_1488465072961{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#ffffff\" letter_spacing=\"75\"]<img class=\"size-full wp-image-9545 aligncenter\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2015/11/home-icon-04.png\" alt=\"home-icon-04\" width=\"101\" height=\"114\" />[/vc_column_text][vc_custom_heading text=\"Technology\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23ffffff|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488551459544{padding-top: 5px !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\"]\n<p style=\"text-align: center;\">Open, interoperable platform technologies such as Aadhaar, Unified Payments Interface (UPI), and the ‘India Stack’ -- with an overarching layer of innovative apps</p>\n[/vc_column_text][vc_column_text letter_spacing=\"\"]<img class=\"size-full wp-image-9546 aligncenter\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2015/11/home-icon-05.png\" alt=\"home-icon-05\" width=\"101\" height=\"114\" />[/vc_column_text][vc_custom_heading text=\"Policy\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23ffffff|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488551377939{padding-top: 5px !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\"]\n<p style=\"text-align: center;\">Government initiatives such as Jan Dhan Yojana, Direct benefit Transfers, Small Finance and Payment Banks, and Incentives for a Less Cash Economy - to promote democratization of finance</p>\n[/vc_column_text][kleo_gap size=\"20px\"][kleo_gap size=\"20px\"][vc_column_text letter_spacing=\"\"]<img class=\"aligncenter size-full wp-image-9986\" src=\"https://cashlesscatalyst.org/wp-content/uploads/2017/03/lastmile-icon.png\" alt=\"\" width=\"100\" height=\"113\" />[/vc_column_text][vc_custom_heading text=\"Last Mile\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23ffffff|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488551407248{padding-top: 5px !important;}\"][vc_column_text text_color=\"#ffffff\" font_size=\"16px\" letter_spacing=\"\"]\n<p style=\"text-align: center;\">Coordinating small businesses, consumers and solution providers to drive high-frequency, low-value digital transactions and large scale adoption</p>\n[/vc_column_text][kleo_gap size=\"20px\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" visibility=\"hidden-xs,hidden-sm,visible-md,visible-lg,visible-xlg\"][vc_column][vc_custom_heading text=\"OUR ECOSYSTEM APPROACH TO DRIVE DIGITAL PENETRATION\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1501664101325{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][kleo_gap size=\"60px\"][vc_row_inner css=\".vc_custom_1488458926941{background-color: #ffffff !important;}\"][vc_column_inner][vc_single_image image=\"9978\" img_size=\"full\" alignment=\"center\"][/vc_column_inner][/vc_row_inner][kleo_gap size=\"40px\"][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"]\n<p style=\"text-align: center;\"><span class=\"learn-more\"><a style=\"text-decoration: none;\" href=\"https://cashlesscatalyst.org/about/#ecosystem-approach\">Learn More <i class=\"fa fa-angle-right\"></i></a></span></p>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"color\" visibility=\"hidden-md,hidden-lg,hidden-xlg,visible-xs,visible-sm\"][vc_column][vc_custom_heading text=\"OUR ECOSYSTEM APPROACH TO DRIVE DIGITAL PENETRATION\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1501663979800{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][kleo_gap size=\"40px\"][vc_row_inner equal_height=\"yes\" css=\".vc_custom_1486562584420{background-color: #ffffff !important;}\"][vc_column_inner width=\"1/4\"][vc_single_image image=\"9972\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489155741994{margin-bottom: 10px !important;}\"][vc_custom_heading text=\"Define\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487845176242{padding-top: 5px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1487845511877{padding-right: 5% !important;padding-left: 5% !important;}\"]\n<p style=\"text-align: center;\">Distinct economic geographies</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"9973\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489155771257{margin-bottom: 10px !important;}\"][vc_custom_heading text=\"Test\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487845204067{padding-top: 5px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1487845496370{padding-right: 5% !important;padding-left: 5% !important;}\"]\n<p style=\"text-align: center;\">Technology and business models</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"9979\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489484311056{margin-bottom: 10px !important;}\"][vc_custom_heading text=\"Support\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1489484237352{padding-top: 5px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1487845475351{padding-right: 5% !important;padding-left: 5% !important;}\"]\n<p style=\"text-align: center;\">Policy and regulation</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"9974\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489155800651{margin-bottom: 10px !important;}\"][vc_custom_heading text=\"Scale\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487845334597{padding-top: 5px !important;}\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22\" css=\".vc_custom_1487845444766{padding-right: 5% !important;padding-left: 5% !important;}\"]\n<p style=\"text-align: center;\">Successful initiatives</p>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][kleo_gap size=\"40px\"][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"]\n<p style=\"text-align: center;\"><span class=\"learn-more\"><a style=\"text-decoration: none;\" href=\"https://cashlesscatalyst.org/about/#ecosystem-approach\">Learn More <i class=\"fa fa-angle-right\"></i></a></span></p>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" disable_element=\"yes\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"20\" padding_bottom=\"0\"][vc_column width=\"5/12\"][vc_row_inner][vc_column_inner][vc_single_image image=\"9140\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1487945744121{margin-bottom: 10px !important;}\" link=\"https://cashlesscatalyst.org/digital-payment-lab/\"][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1487685045372{margin-top: 15px !important;}\"][vc_column_inner][vc_column_text letter_spacing=\"\" el_class=\"wpb_video_widget wpb_content_element vc_clearfix vc_video-aspect-ratio-169 vc_video-el-width-100 vc_video-align-center\" css=\".vc_custom_1484218583910{margin-bottom: 0px !important;}\"]\n<div><iframe src=\"https://www.youtube.com/embed/yHASqaMQjhM?rel=0&amp;showinfo=0\" width=\"100%\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></div>\n[/vc_column_text][vc_custom_heading text=\"Digital Financial Inclusion: The India Story\" font_container=\"tag:p|font_size:16px|text_align:left|line_height:22px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"7/12\"][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\" el_class=\"wpb_video_widget wpb_content_element vc_clearfix vc_video-aspect-ratio-169 vc_video-el-width-100 vc_video-align-center\" css=\".vc_custom_1484218505851{margin-bottom: 0px !important;}\"]\n<div><iframe src=\"https://www.youtube.com/embed/gs_Y_EvfPGA?rel=0&amp;showinfo=0\" width=\"100%\" height=\"350\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></div>\n[/vc_column_text][vc_custom_heading text=\"Badal Malick (CEO, Catalyst) speaking about Catalyst’s strategic vision at the Better Than Cash Alliance event in Delhi.\" font_container=\"tag:p|font_size:16px|text_align:left|line_height:22px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487850171686{margin-bottom: 9px !important;}\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/3\"][vc_single_image image=\"9137\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" css=\".vc_custom_1487675479814{margin-bottom: 10px !important;}\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2017/01/India-Stack.pdf\"][vc_single_image image=\"9138\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" css=\".vc_custom_1487945859988{margin-bottom: 10px !important;}\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2017/01/BCG-Google-Digital-Payments-2020-July-2016_tcm21-39245.pdf\"][/vc_column_inner][vc_column_inner width=\"2/3\"][vc_single_image image=\"9231\" img_size=\"full\" alignment=\"center\" full_width=\"yes\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1487849533532{margin-bottom: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][kleo_button title=\"Read More\" href=\"https://cashlesscatalyst.org/digital-kirana/\" style=\"custom\" border_width=\"2px\" position=\"left\" size=\"sm\" special=\"no\" icon=\"0\" font_size=\"14px\" letter_spacing=\"\" el_class=\"pdp-btn\" custom_background=\"rgba(208,31,60,0.85)\" custom_bg_hover=\"#ffffff\" custom_text=\"#ffffff\" custom_text_hover=\"#d01f3c\" custom_border=\"#d01f3c\" custom_border_hover=\"#ffffff\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" disable_element=\"yes\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"10\"][vc_column][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/4\"][vc_single_image image=\"9233\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" full_width=\"yes\" el_class=\"pwag-height\" link=\"https://cashlesscatalyst.org/wp-content/uploads/2017/01/watal_report-27-12-16.pdf\"][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_single_image image=\"9234\" img_size=\"large\" alignment=\"center\" full_width=\"yes\" el_class=\"pwag-height\" css=\".vc_custom_1487849681448{margin-bottom: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][kleo_button title=\"Read More\" href=\"https://cashlesscatalyst.org/alternative-lending/\" target=\"_blank\" style=\"custom\" border_width=\"2px\" position=\"left\" size=\"sm\" special=\"no\" icon=\"0\" font_size=\"14px\" letter_spacing=\"\" el_class=\"pdp-btn\" custom_background=\"rgba(208,31,60,0.85)\" custom_bg_hover=\"#ffffff\" custom_text=\"#ffffff\" custom_text_hover=\"#d01f3c\" custom_border=\"#d01f3c\" custom_border_hover=\"#ffffff\"][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"9235\" img_size=\"full\" alignment=\"center\" onclick=\"custom_link\" img_link_target=\"_blank\" full_width=\"yes\" el_class=\"pwag-height\" link=\"http://www.itu.int/en/ITU-T/focusgroups/dfs/Documents/09_2016/FINAL%20ENDORSED%20Enabling%20Merchant%20Payments%20Acceptance%2030%20May%202016_formatted%20AM.pdf\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" visibility=\"hidden-xs,hidden-sm,hidden-md,hidden-lg,hidden-xlg\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"]\n\n[gallery tiles=\"yes\" columns=\"6\" size=\"full\" grids=\"Home bottom\" small_screen_grid=\"Gallery-mobile\" image_size=\"full\" ids=\"14395,13872,13871,13873,13479,13870,13467,16456,13473\"]\n\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=\"image\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text letter_spacing=\"\"]\n\n[gallery tiles=\"yes\" columns=\"6\" size=\"full\" grids=\"Home bottom\" small_screen_grid=\"Gallery-mobile\" image_size=\"full\" ids=\"25607,14395,25646,13873,25535,16459,13467,16456,13473\"]\n\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"7886\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1526057528383{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\n<p style=\"text-align: center;\">CATALYST is an initiative funded by USAID under the mSTAR Program, through funding provided to FHI 360. Housed within IFMR LEAD, the initiative aims to expand digital payments and financial inclusion in India, especially for small merchants and low-income consumers.</p>\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484047958306{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]', 'Home', '', 'inherit', 'closed', 'closed', '', '9548-autosave-v1', '', '', '2019-02-06 11:04:11', '2019-02-06 11:04:11', '', 9548, 'https://cashlesscatalyst.org/media/9548-autosave-v1/', 0, 'revision', '', 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
(40447, 23, '2019-02-06 11:04:15', '2019-02-06 11:04:15', '[vc_row equal_height=\"yes\" content_placement=\"middle\" type=\"image\" bg_position_horizontal=\"center\" padding_top=\"85\" padding_bottom=\"30\" bg_image=\"11125\"][vc_column][vc_row_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][vc_column_inner width=\"2/3\"][vc_custom_heading text=\"FREQUENTLY ASKED QUESTIONS\" font_container=\"tag:h2|font_size:33px|text_align:center|color:%23ffffff|line_height:39px\" 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=\"50px\"][/vc_column][/vc_row][vc_row type=\"color\" bg_color=\"#ebebeb\"][vc_column][vc_row_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][vc_column_inner el_class=\"faqContainer\" width=\"2/3\" css=\".vc_custom_1503989143291{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"PROPOSAL APPLICATION TEMPLATE\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23d11e3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]\n<p class=\"faqAnswer\">Through the proposal application template we would like to understand your business in more depth than what was covered in the preliminary pitch deck.</p>\n[/vc_column_text][vc_custom_heading text=\"RELATED FAQS\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23d11e3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]\n<ol>\n 	<li class=\"faqQuestions\"><strong>What would be the “Project Duration” ?</strong>\n<p class=\"faqAnswer\">Project duration will be 6 months i.e. the duration of incubation at Catalyst Incubator. A good strategy would be to clearly identify how you would like to leverage Catalyst resources in this period. All budgets, work plans and projects identified pertain to these 6 months (starting late November/early December).</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>What\'s is DUNS? If we are an India registered company, do we need it? Does it cost to get a DUNS number?</strong>\n<p class=\"faqAnswer\">D-U-N-S (Data Universal Numbering System) Number is a unique nine digit identification number, for your business. D-U-N-S offers the advantage of supplier and partner discovery by provision of your company data to the host of companies on the platform. Catalyst is a USAID funded entity. USAID is the source for the incubation funds. As a donor, they need it to establish the trace ability of the organization they fund, hence startups should apply for DUNS. The application process is simple and completely online. D-U-N-S number assignment is free for all businesses required to register with the US Federal government for contracts or grants. If you don’t have a D-U-N-S number but have applied for the same, please share the proof of application along with the Phase 2 documentation. We will share a detailed D-U-N-S process FAQ separately via email.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>What would be the location of the project?</strong>\n<p class=\"faqAnswer\">The current location of your business and Jaipur would be the project location for the incubation period.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>What should we cover in the project summary?</strong>\n<p class=\"faqAnswer\">Project summary should be a 300 word overview of your organization i.e. the need served, approach to solve the problem, impact created etc. Please feel free to add more than what the pitch deck covered to give us a holistic sense of your business.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>What is expected to be submitted as the “Cost share” to the project?</strong>\n<p class=\"faqAnswer\">Any capital invested in the venture, past expenses on tech and analytics development, financial and non-financial contributions of the founder, office space and supplies account for cost share. We would also like to understand what additional cost share the team plans to bring in the 6 months of the incubation program.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>What are the requirements for traveling to Jaipur? Which team members are required to be present for Jaipur pilots? </strong>\n<p class=\"faqAnswer\">Organizations are required to spend at least 8 weeks in Jaipur. You can spend more time at Jaipur to leverage Catalyst resources and test your product. We offer the flexibility to decide how you wish to spend these weeks i.e. do 8 weeks at a stretch, break it down into four 2 week blocks etc. During the course of these 8 weeks, we would like the founding team to be present. If that is not possible at least one founder has to participate.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>Does the project need to be executed in Jaipur or our current operational area?</strong>\n<p class=\"faqAnswer\">We encourage and expect startups to run product pilots in Jaipur in addition to running in their current operational area. Catalyst will provide resources (Fleet on Street, Research Lab etc.) to aid such pilots.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>How do we deal with fields that are not applicable to our business for e.g. Enabling merchants and digitalizing supply chains?</strong>\n<p class=\"faqAnswer\">Please give a summary of your business/project highlighting the impact you are creating for the bottom 80%. Ignore fields that are not relevant to your business.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>Why are we seeking supplier or client references? For early stage ventures with no suppliers and customers who could be shared as a reference?</strong>\n<p class=\"faqAnswer\">Catalyst will not take board seat or equity in lieu of our investment hence we need to check the credibility of startups we fund. We are seeking to reach out to references who have known you in professional capacity and can vouch for your past experience. You could share references of suppliers, clients, investors, ex employers or professors as fit for your organization and personal experience. You can also refer clients you are in advanced discussion with. Also please indicate in the proposal how your past experience helps you in your current venture.</p>\n<p class=\"faqAnswer\">Please suggest your references keeping the above in mind. We will reach out to your references via call/email.</p>\n</li>\n</ol>\n[/vc_column_text][vc_custom_heading text=\"BUDGET TEMPLATE\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23d11e3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]\n<ol>\n 	<li class=\"faqQuestions\"><strong>What is the duration of the budget period?</strong>\n<p class=\"faqAnswer\">We require a 6 month budget. We are interested in a budget plan showcasing the utilisation of the grant (INR 33 lacs) over the incubation period.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>What is the proposed payment structure for the grant funding?</strong>\n<p class=\"faqAnswer\">Startups have to define milestones and how much money is needed to reach the milestones. Post mutual discussion funding will be released on achievement of each milestone. We would request you to rationalize the number of milestones to ensure smooth procurement of funds i.e. 2-3 clear measurable milestones over a 6 month period linked to grant disbursal.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>Would an app build for our platform be considered a milestone?</strong>\n<p class=\"faqAnswer\">Yes, if it\'s relevant for the platform success it will be considered a milestone.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>What are the preferable uses for the grant?</strong>\n<p class=\"faqAnswer\">While the use of grant may vary for different organizations, we would like to the grant to be utilized for technology and analytics development, testing products and incentive models etc. as relevant to your business.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>Are these expenses restricted only to Jaipur project or could be used for project in other locations?</strong>\n<p class=\"faqAnswer\">While we expect organizations to run pilots in Jaipur, expenses in other business/base location will also be considered under the incubation process.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>What are fringe benefits?</strong>\n<p class=\"faqAnswer\">Fringe benefits are benefits that supplement employee salary e.g. medical insurance, fuel reimbursement, company housing etc. As an organization you are expected to define your own fringe benefits.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>Are PAN/ TAN alternatives to VAT/ Tax Registration No.? Is GST mandatory?</strong>\n<p class=\"faqAnswer\">No. You are expected to register for GST and share your GSTIN or evidence of application by 10th of October. We can only disburse grant funds to organizations once the GSTIN is in place.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>Can past technology development expenses be accounted as cost share?</strong>\n<p class=\"faqAnswer\">Yes</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>What is the expected total budget value?</strong>\n<p class=\"faqAnswer\">The total budget has to add up to the grant (INR 33 lacs) plus cost share by your organization over the 6 month period.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>If we don’t have a sub awardee, does Budget Template apply to us?</strong>\n<p class=\"faqAnswer\">Sub awardee refers to the organization being funded i.e. your organization. All applicants have to fill up and submit the budget template.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>Are owners eligible to draw salary?</strong>\n<p class=\"faqAnswer\">We expect the founders to continue displaying skin in the game. We would advise judicious use of the funding provided. Hence the grant budget should not be heavily biased towards founder or team salaries.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>How will deviations from budget be handled?</strong>\n<p class=\"faqAnswer\">We will mutually understand reasons for deviation and make necessary changes and adjustments in the tranche flows as necessary.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>We have already made significant investment in our startup so far. Do we need to put in additional capital in co-share?</strong>\n<p class=\"faqAnswer\">We will consider past investment as a part of the cost share.</p>\n<p class=\"faqAnswer\">Please add any additional financial/non-financial investment you bring to the table in the course of the incubation process.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>Can the cost share plan be updated or does it have to match exactly with the phase 1 submission?</strong>\n<p class=\"faqAnswer\">This is an opportunity to deep dive into cost sharing plan already submitted. Cost sharing plan should mostly be in line with what was previously shared. If post the webinar, you wish to add more details to the same, please feel free to modify accordingly.</p>\n</li>\n</ol>\n[/vc_column_text][vc_custom_heading text=\"APPLICANT SELF-ASSESSMENT FORM\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23d11e3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]\n<ol>\n 	<li class=\"faqQuestions\"><strong>Are audited financials mandatory? What about very young organizations that don’t have them?</strong>\n<p class=\"faqAnswer\">Audited Financials are not necessary for very young startups. You can share relevant business related bank statements. Should that be a concern, please write to us at <a href=\"mailto:incubator@cashlesscatalyst.org\" target=\"_blank\" rel=\"noopener noreferrer\">incubator@cashlesscatalyst.org</a> and we will share potential substitutes for this verification.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>We haven\'t done our audit for the last 2 years. Please advice</strong>\n<p class=\"faqAnswer\">If your company has been in existence for a 2 year or longer, we would need audited statements.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>Why do you want bank statements from companies who are not in the cohort yet? </strong>\n<p class=\"faqAnswer\">We require the bank statements to understand the current financial state of the organization. This also acts as an evidence of founder financial contributions / external investment till date. You could also submit audited financials, cash flow statements etc. as mentioned in the document.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>Will an online system-generated bank statement suffice?</strong>\n<p class=\"faqAnswer\">We prefer bank stamped statements to ensure authenticity of the document.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>Do we need HR / Procurement / and other organizational policies in Phase 2. What if certain policies are not applicable to us?</strong>\n<p class=\"faqAnswer\">Policies are measures of governance. We want to ensure there are rules around expenditure and operations. Currently specified policies are standard company policies which will be applicable to all organizations. Policy documents need to come with phase 2 documents. Please feel free to leverage relevant existing industry policies and modifying them as per your organization’s requirements.</p>\n</li>\n</ol>\n[/vc_column_text][vc_custom_heading text=\"M&amp;E\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23d11e3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]\n<p class=\"faqAnswer\">The M&amp;E workbook is our way of giving you an opportunity to tell us parameters on which we shall evaluate you on. There has to be a balanced focus on commercials of the business and the impact it creates.</p>\n[/vc_column_text][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]\n<ol>\n 	<li class=\"faqQuestions\"><strong>What if the project sector isn’t relevant to us?</strong>\n<p class=\"faqAnswer\">Project sector may not be relevant to all of you, hence ignore.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>What if my business model is not available as an option?</strong>\n<p class=\"faqAnswer\">If your option is not available, please mention it on the next cell.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>Is it necessary to have a gender focused business metric?</strong>\n<p class=\"faqAnswer\">No. If your business has gender focus and you would like to be evaluated on those grounds, do share relevant details.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>Are the list of current indicators final and standard for all organizations?</strong>\n<p class=\"faqAnswer\">No. Indicators in the sheet are indicative. Please modify it on the basis of what is relevant to your business. We are seeking 8 KPIs per organization - 2 Operations, 2 Financial, 1 Organization and 3 Impact. There are detailed laundry lists of KPIs to choose from the subsequent tabs. Please select the ones most relevant for your business and add monthly targets.</p>\n</li>\n 	<li><strong>Who is the organization POC?</strong>\n<p class=\"faqAnswer\">The Organization POC will be the founder/team member responsible for interacting with the Catalyst team for all M&amp;E related matters.</p>\n</li>\n 	<li><strong>Do we have to fill in actuals? </strong>\n<p class=\"faqAnswer\">Not currently. Except for the Tab “Actuals” the remainder has to be filled up as a part of the Phase 2 material. The actual sheet will be filled while in operation during incubation.</p>\n</li>\n 	<li><strong>What are the implications if the startup doesn’t meet its targets? </strong>\n<p class=\"faqAnswer\">We will discuss the plan and see how to realign the targets. We will work to figure out bottlenecks and aim to resolve issues. If you are completely unable to meet targets we may not disburse the final tranche of investment.</p>\n</li>\n 	<li><strong>Are metrics like Education, Agriculture etc applicable to all organizations?</strong>\n<p class=\"faqAnswer\">Please ignore metrics that are inapplicable to your business.</p>\n</li>\n</ol>\n[/vc_column_text][vc_custom_heading text=\"WORK PLAN\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23d11e3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]\n<p class=\"faqAnswer\">This work plan lays out how you will align tasks to achieve your KPIs and business milestones during the course of incubation with Catalyst while leveraging our digital lab in Jaipur and mentorship program. It’s a week on week Gantt chart for activities that need to be conducted in liaison with Catalyst.</p>\n[/vc_column_text][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]\n<ol>\n 	<li class=\"faqQuestions\"><strong>How is the work plan different from M&amp;E KPIs? </strong>\n<p class=\"faqAnswer\">M&amp;E KPIs are the business goals you wish to achieve in the 6 month period. Gantt chart defines the timelines and task flow to achieve those goals.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>Will finalizing the work plan template be a joint, consultative exercise?</strong>\n<p class=\"faqAnswer\">We need a broad plan from your organization before we go into consultative mode. Once the startups share their work plan expectations, Catalyst team will collaborate to ensure we touch base and refine this mutually. The idea is to ensure startups can tie in the identified KPIs to clear tasks, utilizing our Jaipur infrastructure and mentor ship effectively.</p>\n</li>\n</ol>\n[/vc_column_text][vc_custom_heading text=\"JAIPUR\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23d11e3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]\n<ol>\n 	<li class=\"faqQuestions\"><strong>Is it necessary to do 8 weeks in Jaipur?</strong>\n<p class=\"faqAnswer\">Yes. You are to spend 8 weeks. We would advise you to look at 8 weeks in Jaipur as an opportunity to leverage Catalyst research team, fleet on street to test your product.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>Is the stay in Jaipur funded over and above the grant?</strong>\n<p class=\"faqAnswer\">Stay in Jaipur will be managed out of the allocated grant budget (INR 33 lacs). We have partnership with startup oasis to offer workspace at discounted prices. The catalyst team will also help your organization identify accommodation and other logistics but the expenses are borne out of the grant offered.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>What infrastructure will catalyst provide in Jaipur?</strong>\n<p class=\"faqAnswer\">Apart from discounted workplace and assistance in logistics, Catalyst will help you with its fleet on the street, research teams and data analytics team. Peripherals like tablets will also be provisioned.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>Is the Catalyst Fleet on Street actual business development guys? </strong>\n<p class=\"faqAnswer\">Blend of both based in Jaipur.</p>\n</li>\n</ol>\n[/vc_column_text][vc_custom_heading text=\"MORE ABOUT THE CATALYST INCUBATOR\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23d11e3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]\n<ol>\n 	<li class=\"faqQuestions\"><strong>Will Catalyst help you partner with Financial Institutions and Government? </strong>\n<p class=\"faqAnswer\">Yes. We have Financial Institutions, Government bodies and various other partners in the ecosystem that the selected startups will get access too.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>What are the dates for the start of the program?</strong>\n<p class=\"faqAnswer\">Early December (Tentatively 4th December).</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>Where should we reach out for additional queries?</strong>\n<p class=\"faqAnswer\">Please send additional queries to <a class=\"pred\" href=\"mailto:incubator@cashlesscatalyst.org\" target=\"_blank\" rel=\"noopener noreferrer\">incubator@cashlesscatalyst.org</a></p>\n</li>\n</ol>\n[/vc_column_text][vc_custom_heading text=\"ADDITIONAL Q&amp;A\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23d11e3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]\n<ol>\n 	<li class=\"faqQuestions\"><strong>If we have multiple use-cases, which use-case to focus on for the project? Should we mention more than 1 use-case? </strong>\n<p class=\"faqAnswer\">Please mention more than one use case. Use this as an opportunity to showcase more about your business.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>Is there any material / presentation to be shared aside from the templates you\'ve shared as \'phase 2 materials\'?</strong>\n<p class=\"faqAnswer\">Please don’t share any additional material.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>Past performance is past job experience?</strong>\n<p class=\"faqAnswer\">For early stage ventures, we will consider past experience of the founders as past performance.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>Can you elaborate on the process post-submission of Phase 2 materials?</strong>\n<p class=\"faqAnswer\">Post submission, Catalyst team will touch base with the organizations for any queries and clarifications over emails and telecons. Before an organization is selected for the program there will be a site visit to meet the team in person at their operating location.</p>\n</li>\n 	<li class=\"faqQuestions\"><strong>Do we get time to develop a full-fledged product during incubation?</strong>\n<p class=\"faqAnswer\">All selected organizations have MVPs in place. You are encouraged to use grant funding to further develop and improve the platform.</p>\n</li>\n</ol>\n[/vc_column_text][vc_custom_heading text=\"PARTING WORDS\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23d11e3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#383b3b\" font_size=\"16px\" letter_spacing=\"\" el_class=\"lh22 ptext-justify\"]\n<p class=\"faqAnswer\">The more relevant information you share, the easier will be our analysis to select the finalists. All of these details are evaluative not eliminative.</p>\n<p class=\"faqAnswer\">The final phase 2 material has to be sent via email to incubator@cashlesscatalyst.org</p>\n<p class=\"faqAnswer\">All the best!</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1503989415741{margin-top: 30px !important;}\"][vc_column_inner][kleo_button title=\"Go Back\" href=\"https://cashlesscatalyst.org/incubator/\" style=\"custom\" border_width=\"1px\" position=\"center\" size=\"sm\" special=\"no\" icon=\"0\" font_size=\"18px\" letter_spacing=\"\" el_class=\"goBackbtn\" custom_background=\"#d11e3c\" custom_bg_hover=\"#ffffff\" custom_text=\"#ffffff\" custom_text_hover=\"#d11e3c\" custom_border=\"#d11e3c\" custom_border_hover=\"#d11e3c\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row 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_1549450996182{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]', 'FAQ', '', 'inherit', 'closed', 'closed', '', '11118-autosave-v1', '', '', '2019-02-06 11:04:15', '2019-02-06 11:04:15', '', 11118, 'https://cashlesscatalyst.org/media/11118-autosave-v1/', 0, 'revision', '', 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
(40449, 23, '2019-02-06 11:07:50', '2019-02-06 11:07:50', '[vc_row equal_height=\"yes\" el_id=\"first-section\" inner_container=\"no\" type=\"image\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"0\" padding_bottom=\"0\" fixed_height=\"899px\" bg_image=\"10060\"][vc_column][vc_row_inner inner_container=\"yes\" min_height=\"899px\" bg_pos_h=\"center\" bg_pos_v=\"top\" css=\".vc_custom_1483077947446{background-image: url(https://cashlesscatalyst.org/wp-content/uploads/2015/11/triangle-banner1.png?id=7987) !important;background-position: 0 0 !important;background-repeat: no-repeat !important;}\" el_id=\"white-triangle\"][vc_column_inner el_class=\"pzindex\" offset=\"vc_col-lg-6 vc_col-md-8 vc_col-xs-12\"][kleo_gap size=\"120px\" visibility=\"visible-xs\"][kleo_gap size=\"160px\" visibility=\"visible-sm\"][kleo_gap size=\"200px\" visibility=\"visible-md,visible-lg\"][vc_custom_heading text=\"ABOUT US\" font_container=\"tag:h1|font_size:36px|text_align:left|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text font_size=\"16px\" vertical_separator=\"yes\" letter_spacing=\"\" letter-spacing=\"75\"]Catalyst is an initiative funded by United States Agency for International Development (USAID) under the mSTAR Program to increase adoption of digital payments in India, using a targeted ecosystem approach.\n\nOur vision is to realize an inclusive digital economy that meets the needs of all Indians.[/vc_column_text][/vc_column_inner][vc_column_inner offset=\"vc_col-lg-3\"][/vc_column_inner][vc_column_inner offset=\"vc_col-lg-4 vc_col-md-4 vc_col-xs-12\"][kleo_gap size=\"290px\" visibility=\"visible-xs,visible-sm\"][kleo_gap size=\"634px\" visibility=\"visible-md,visible-lg\"][vc_single_image image=\"7820\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"navigating-unchartered-waters\" type=\"image\" bg_color=\"#ffffff\" bg_repeat=\"repeat\" padding_top=\"\" padding_bottom=\"\"][vc_column][kleo_magic_container position=\"absolute\" top=\"0px\" left=\"50%\" min_height=\"521px\" width=\"2560px\" css=\".vc_custom_1486370275881{margin-left: -1145px !important;background-image: url(https://cashlesscatalyst.org/wp-content/uploads/2015/11/home-banner-triangle.png?id=7813) !important;background-position: 0 0 !important;background-repeat: no-repeat !important;}\"][/kleo_magic_container][vc_row_inner equal_height=\"yes\" css=\".vc_custom_1486361953253{margin-bottom: 20px !important;padding-top: 5% !important;padding-right: 5% !important;padding-left: 5% !important;background-color: #ffffff !important;}\"][vc_column_inner css=\".vc_custom_1486361714089{padding-right: 5% !important;padding-left: 5% !important;}\"][vc_custom_heading text=\"THE CONTEXT: NAVIGATING UNCHARTERED WATERS\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487929448061{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]\n<p style=\"text-align: center;\">India is just starting its digital payments journey. Currently, its performance trails other BRIC nations -- Brazil, Russia, and China. In 2014, just over 50 percent of Indian adults held an account with a financial institution compared with nearly 70 percent of adults in other BRIC economies.</p>\n[/vc_column_text][vc_empty_space height=\"20px\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text font_size=\"17px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1488780203409{padding-right: 5.5% !important;padding-left: 5.5% !important;}\"]\n<p style=\"text-align: center;\"><strong>Digitization of person to merchant expenditure</strong></p>\n[/vc_column_text][vc_single_image image=\"12347\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1520528382671{margin-bottom: 10px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text font_size=\"17px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1488780103405{padding-right: 2.5% !important;padding-left: 2.5% !important;}\"]\n<p style=\"text-align: center;\"><strong>Digitization of small retailer to supplier payments</strong></p>\n[/vc_column_text][vc_single_image image=\"8955\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1487930203111{margin-bottom: 10px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text font_size=\"17px\" letter_spacing=\"\" el_class=\"lh24\" css=\".vc_custom_1487930070492{padding-right: 2.5% !important;padding-left: 2.5% !important;}\"]\n<p style=\"text-align: center;\"><strong>Penetration of merchant digital payment acceptance</strong></p>\n[/vc_column_text][vc_single_image image=\"12591\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"el-fade\" css=\".vc_custom_1521196337938{margin-bottom: 10px !important;}\"][/vc_column_inner][vc_column_inner][vc_column_text text_color=\"#1e73be\" font_size=\"14px\" letter_spacing=\"\"]\n<p style=\"text-align: right;\"><a style=\"color: #2b45d6;\" href=\"http://www.visa.co.in/aboutvisa/research/include/Digital_Payments_India.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Source</a></p>\n[/vc_column_text][kleo_gap size=\"40px\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<span style=\"color: #d11e3c;\"><a style=\"color: #d11e3c;\" href=\"https://www.globalinnovationexchange.org/beyond-cash\" target=\"_blank\" rel=\"noopener noreferrer\">Our own survey research</a></span> shows that 97 percent of retail transactions are conducted in cash or check; only 6 percent of merchants accept digital payments; and just over 10 percent consumers have used a debit card for payments in the last year in India.[/vc_column_text][vc_column_text font_size=\"16px\" letter_spacing=\"\"]However, Indians are now better financially and digitally connected than ever before. This reflects in the growth in Jan Dhan bank accounts for the poor, Aadhaar registrations which provide easy biometric authentication to access services and make transactions, mobile phone accounts, and Internet connectivity. In addition, several fiscal incentives and technology initiatives have been targeted at making India a less cash economy.[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"12350\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1520528991452{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\n<p style=\"text-align: center;\">Jan Dhan bank accounts</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"9353\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1487932224593{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\n<p style=\"text-align: center;\">Aadhaar accounts</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"12352\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1520529246131{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\n<p style=\"text-align: center;\">Phone accounts</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/4\"][vc_single_image image=\"9356\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1487932239744{margin-bottom: 0px !important;padding-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\n<p style=\"text-align: center;\">Indians with Internet access</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"square-bullet-red\"]<strong>Nevertheless, the digital payments last mile remains fragmented due to several factors: </strong>\n<ul>\n 	<li><span style=\"color: #373a3a;\">There are far too few digital payment acceptance points for consumer comfort</span></li>\n 	<li><span style=\"color: #373a3a;\">From the merchants’ perspective, there is insufficient demand from consumers</span></li>\n 	<li><span style=\"color: #373a3a;\">Synergies across service providers (payment infrastructure companies, banks, fintech innovators) are under-tapped in the absence of market facilitation mechanisms</span></li>\n 	<li><span style=\"color: #373a3a;\">Regulation lags behind innovation; this imbalance prevents a degree of customer protection needed for the functioning of a healthy market</span></li>\n</ul>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row disable_element=\"yes\" front_status=\"draft\"][vc_column][vc_row_inner css=\".vc_custom_1487942020748{margin-bottom: 50px !important;}\"][vc_column_inner][vc_custom_heading text=\"Our research into Indian consumer and merchant behavior has generated interesting insights on how to catalyze last mile payments.\" font_container=\"tag:h3|font_size:24px|text_align:center|color:%23d11e3c|line_height:30px\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][vc_column_text text_color=\"#373a3a\" font_size=\"24px\" font_weight=\"bold\" letter_spacing=\"\"]\n<p style=\"text-align: center;\">Key Insights for Consumers</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9365\" img_size=\"full\" css=\".vc_custom_1487934180340{margin-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<strong>Create opportunities for daily use</strong>\n\nHigh-frequency low-value transactions (such as managing loose change, tracking expenses, etc.) are a better catalyst than low-frequency high-value transactions for digital payments habit formation[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9366\" img_size=\"full\" css=\".vc_custom_1487934189037{margin-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<strong>Micro savings are a valuable hook</strong>\n\nPeople feel that they are unable to be disciplined about their spending targets and end up \"wasting money\" if there is free cash lying at home[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9367\" img_size=\"full\" css=\".vc_custom_1487934195985{margin-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<strong>Communicate and educate benefits</strong>\n\nMany consumers have limited awareness of digital payments, because they perceive it to be irrelevant; focusing communication on one sharply defined use case with a clear benefit can be an anchor for broader adoption[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9368\" img_size=\"full\" css=\".vc_custom_1487934203651{margin-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<strong>Assisted first time use is important</strong>\n\nFirst time use of a new digital payment method is tough for users and carries perceived financial risk; assisted first time payments can mitigate this hurdle[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9369\" img_size=\"full\" css=\".vc_custom_1487934209755{margin-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<strong>The payment instrument should match the purchase type\n</strong>\n\nLarger and formal-looking payment products are associated to expensive purchases; similarly, smaller &amp; informal artefacts may get associated to smaller purchases[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#373a3a\" font_size=\"24px\" font_weight=\"bold\" letter_spacing=\"\"]\n<p style=\"text-align: center;\">Key Insights for Merchants</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9372\" img_size=\"full\" css=\".vc_custom_1487934171416{margin-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<strong>No upfront costs can increase trials\n</strong>\n\nKeeping a minimum deposit in current accounts for obtaining a POS machine is an impediment to adoption; Merchants prefer models which are transaction linked[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9373\" img_size=\"full\" css=\".vc_custom_1487933926057{margin-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<strong>Consumer demand is the key catalyst</strong>\n\nMerchants cite lack of consumer demand as the key factor preventing adoption of digital payments; most merchants are willing to adopt payments technology if customers ask for it[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9374\" img_size=\"full\" css=\".vc_custom_1487933974562{margin-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<strong>Digital money + Physical proof</strong>\n\nA large proportion of users transact through non-digital methods and physical artefacts such as paper receipts help in instilling trust as opposed to non-solid digital receipts[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9375\" img_size=\"full\" css=\".vc_custom_1487935020088{margin-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<strong>Credit as a hook</strong>\n\nAccess to credit is a more severe pain point than the need to digitize cash, and therefore can be a powerful incentive to bring small merchants on digital payment platforms[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9376\" img_size=\"full\" css=\".vc_custom_1487935042651{margin-bottom: 0px !important;}\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<strong>Cash + Digital hybrids can be important</strong>\n\nManaging daily change is a significant pain point for merchants and they often have to waste time and money to arrange change[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner css=\".vc_custom_1487938697764{margin-top: 20px !important;}\"][kleo_button title=\"Learn More\" href=\"https://www.globalinnovationexchange.org/beyond-cash\" target=\"_blank\" style=\"custom\" border_width=\"2px\" position=\"center\" size=\"sm\" special=\"no\" border=\"no\" icon=\"0\" font_size=\"14px\" font_weight=\"400\" letter_spacing=\"\" box_shadow_color=\"rgba(43,33,47,0.15)\" box_shadow_x=\"6\" box_shadow_blur=\"18\" el_class=\"hidden\" custom_background=\"#d11e3c\" custom_bg_hover=\"#ffffff\" custom_text=\"#ffffff\" custom_text_hover=\"#d11e3c\" custom_border=\"#d11e3c\" custom_border_hover=\"#ffffff\"][vc_column_text letter_spacing=\"\"]\n<p style=\"text-align: center;\"><span class=\"learn-more\"><a style=\"text-decoration: none;\" href=\"https://www.globalinnovationexchange.org/beyond-cash\">Learn More <i class=\"fa fa-angle-right\"></i></a></span></p>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row padding_bottom=\"0\"][vc_column][rev_slider_vc alias=\"keyinsights\"][/vc_column][/vc_row][vc_row equal_height=\"yes\" type=\"color\" bg_color=\"#ffffff\" padding_bottom=\"0\"][vc_column][vc_empty_space height=\"30px\"][vc_row_inner equal_height=\"yes\"][vc_column_inner][vc_custom_heading text=\"CATALYST IS UNIQUELY POSITIONED TO PUSH THE NEEDLE\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]\n<p style=\"text-align: center;\">Catalyst has three distinct engines of activity, coordinated in a manner in which we hope their sum will be greater than its parts. Our Digital Payments Lab involves implementing a set of coordinated initiatives in a local geographical ecosystem to shift consumer, merchant and supplier behavior from cash to digital payment transactions.</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner el_class=\"pup-container phide\" width=\"1/2\" css=\".vc_custom_1489065592080{padding-right: 5% !important;}\"][vc_custom_heading text=\"Phase 1\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23d11e3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<span style=\"color: #373a3a;\">Build digital payment labs in urban and rural geographies to test and to demonstrate workable cash-light systems for consumers, merchants and suppliers, targeting a 10x boost in payment digitization rates.</span>[/vc_column_text][/vc_column_inner][vc_column_inner el_class=\"pup-container phide\" width=\"1/2\" css=\".vc_custom_1489065582551{padding-right: 5% !important;}\"][vc_custom_heading text=\"Phase 2\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23d11e3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][vc_column_text font_size=\"16px\" letter_spacing=\"\"]<span style=\"color: #373a3a;\">Institutionalize and scale successful initiatives in close partnership with public and private sector stakeholders, thus crystallizing replicable models for implementation.</span>[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1505396058573{margin-top: 30px !important;}\"][vc_column_inner][vc_single_image image=\"10959\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" el_class=\"phide\"][rev_slider_vc alias=\"about-dpl\"][/vc_column_inner][/vc_row_inner][vc_empty_space height=\"100px\"][/vc_column][/vc_row][vc_row disable_element=\"yes\" front_status=\"draft\" type=\"color\" bg_color=\"#ffffff\"][vc_column][vc_row_inner css=\".vc_custom_1487942075495{margin-top: 35px !important;}\"][vc_column_inner css=\".vc_custom_1487942747395{margin-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"Catalyst is investing in three capabilities that can help scale the benefits of its Digital Payment Labs\" font_container=\"tag:h3|font_size:24px|text_align:left|color:%23373a3a|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\"][vc_single_image image=\"9805\" img_size=\"full\" alignment=\"center\"][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" el_class=\"numeric-points-red\"]\n<ol>\n 	<li><span style=\"color: #d11e3c;\">Fintech for the Bottom 80</span>\n<span style=\"color: #373a3a; font-size: 16px;\">As an incubator that helps visionary entrepreneurs to build new products, processes and interfaces that address the unique needs of hundreds of millions strong as yet underserved segments</span></li>\n 	<li><span style=\"color: #d11e3c;\">Data Sharing/Data Vault</span>\n<span style=\"color: #373a3a; font-size: 16px;\">As a public utility platform to ease data gathering for regulatory purposes and more efficient data exchange between front-end (e.g., points of sale) and back-end (e.g., digital lenders) players to deliver new and appropriate services (e.g., access to credit) to end users</span></li>\n 	<li><span style=\"color: #d11e3c;\">Regulatory Sandbox</span>\n<span style=\"color: #373a3a; font-size: 16px;\">As a mechanism for policymakers and regulators to more effectively engage with innovators in a controlled environment, simulate and study new policy environments, develop customer protection systems, and promote policy design based on proof</span></li>\n</ol>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" disable_element=\"yes\" front_status=\"draft\" type=\"color\" bg_color=\"#ffffff\" padding_top=\"\"][vc_column][vc_row_inner css=\".vc_custom_1487942075495{margin-top: 35px !important;}\"][vc_column_inner width=\"1/4\" css=\".vc_custom_1489062433193{margin-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/2\"][vc_custom_heading text=\"Catalyst is investing in three capabilities that can help scale the benefits of its Digital Payment Labs\" font_container=\"tag:h3|font_size:24px|text_align:center|color:%23373a3a|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1489059587620{margin-bottom: 40px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/4\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner width=\"1/3\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-align-right\"]<span style=\"color: #d11e3c;\">1. Fintech for the Bottom 80</span>\n<span style=\"color: #373a3a; font-size: 16px;\">As an incubator that helps visionary entrepreneurs to build new products, processes and interfaces that address the unique needs of hundreds of millions strong as yet underserved segments</span>[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\" offset=\"vc_hidden-xs\"][vc_single_image image=\"9899\" img_size=\"full\" alignment=\"center\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" el_class=\"numeric-points-red\"]<span style=\"color: #d11e3c;\">2. Data Sharing/Data Vault</span>\n<span style=\"color: #373a3a; font-size: 16px;\">As a public utility platform to ease data gathering for regulatory purposes and more efficient data exchange between front-end (e.g., points of sale) and back-end (e.g., digital lenders) players to deliver new and appropriate services (e.g., access to credit) to end users</span>[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=\".vc_custom_1489060379488{margin-top: 2% !important;}\"][vc_column_inner width=\"1/3\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_column_text font_size=\"16px\" letter_spacing=\"\" el_class=\"numeric-points-red\"]<span style=\"color: #d11e3c;\">3. Regulatory Sandbox</span>\n<span style=\"color: #373a3a; font-size: 16px;\">As a mechanism for policymakers and regulators to more effectively engage with innovators in a controlled environment, simulate and study new policy environments, develop customer protection systems, and promote policy design based on proof</span>[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row content_placement=\"middle\" el_id=\"ecosystem-approach\" type=\"image\" bg_color=\"#eeeeee\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner css=\".vc_custom_1505371881613{margin-bottom: 30px !important;}\"][vc_custom_heading text=\"CRACKING THE PAYMENTS JUGGERNAUT\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/3\"][vc_row_inner][vc_column_inner][vc_single_image image=\"11354\" img_size=\"full\" alignment=\"center\" animation=\"animate-when-almost-visible\" css_animation=\"bottom-to-top\" css=\".vc_custom_1505369933736{margin-top: 35px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"2/3\"][vc_row_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/12\"][vc_custom_heading text=\"Define\" font_container=\"tag:h6|font_size:24px|text_align:left|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487943064167{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" css=\".vc_custom_1505370234140{margin-top: 0px !important;}\"]\n<p style=\"text-align: justify;\">Distinct economic geographies (cities, rural clusters or small towns) where local networks of merchants, consumers, distributors financial services providers, and governments transact with each other</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/12\"][vc_custom_heading text=\"Test\" font_container=\"tag:h6|font_size:24px|text_align:left|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487943105830{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" css=\".vc_custom_1505370286653{margin-top: 0px !important;}\"]\n<p style=\"text-align: justify;\">Technology and business models by rolling out initiatives and experiments that combine technologies, business models and institutional innovations to drive large-scale digital payments penetration</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/12\"][vc_custom_heading text=\"Support\" font_container=\"tag:h6|font_size:24px|text_align:left|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488553545187{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" css=\".vc_custom_1505370347290{margin-top: 0px !important;}\"]\n<p style=\"text-align: justify;\">Policies and regulations that enable digital payments through analyses and recommendations based on success on the ground</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"5/12\"][vc_custom_heading text=\"Scale\" font_container=\"tag:h6|font_size:24px|text_align:left|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487943122423{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" css=\".vc_custom_1505370397781{margin-top: 0px !important;}\"]\n<p style=\"text-align: justify;\">Successful digital payment initiatives across the country by leveraging strategic partnerships and government programs to inform and institutionalize</p>\n[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"middle\" el_id=\"ecosystem-approach\" disable_element=\"yes\" front_status=\"draft\" type=\"image\" bg_color=\"#eeeeee\" bg_image=\"7841\"][vc_column][vc_row_inner][vc_column_inner][vc_custom_heading text=\"CRACKING THE PAYMENTS CODE\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1489122843037{margin-bottom: 40px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" el_class=\"ctpj-container\"][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"hexagon-white\" css=\".vc_custom_1489056661534{margin-bottom: 50px !important;}\"][vc_custom_heading text=\"Define\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1489055767879{margin-bottom: 0px !important;}\" el_class=\"ctp-title\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-center\" css=\".vc_custom_1489055827674{margin-top: 0px !important;padding-top: 20px !important;}\"]Distinct economic geographies (cities, rural clusters or small towns) where local networks of merchants, consumers, distributors  financial services providers, and governments transact with each other[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"hexagon-white\"][vc_custom_heading text=\"Test\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1489055945604{margin-bottom: 0px !important;}\" el_class=\"ctp-title\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-center\" css=\".vc_custom_1489055851053{margin-top: 0px !important;padding-top: 20px !important;}\"]Technology and business models by rolling out initiatives and experiments that combine technologies, business models and institutional innovations to drive large-scale digital payments penetration[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/2\"][vc_row_inner equal_height=\"yes\" content_placement=\"middle\"][vc_column_inner offset=\"vc_hidden-sm vc_hidden-xs\"][vc_single_image image=\"9772\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489048690467{margin-top: 35px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" el_class=\"ctpj-container\"][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"hexagon-white\" css=\".vc_custom_1489056673791{margin-bottom: 50px !important;}\"][vc_custom_heading text=\"Support\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1489055926008{margin-bottom: 0px !important;}\" el_class=\"ctp-title\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-center\" css=\".vc_custom_1489055888329{margin-top: 0px !important;padding-top: 20px !important;}\"]Policies and regulations that enable digital payments through analyses and recommendations based on success on the ground[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner el_class=\"hexagon-white\"][vc_custom_heading text=\"Scale\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1489055961372{margin-bottom: 0px !important;}\" el_class=\"ctp-title\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\" el_class=\"ptext-center\" css=\".vc_custom_1489055869165{margin-top: 0px !important;padding-top: 20px !important;}\"]Successful digital payment initiatives across the country by leveraging strategic partnerships and government programs to inform and institutionalize[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row inner_container=\"no\"][vc_column][vc_row_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"10/12\"][vc_custom_heading text=\"OUR ROLE - BOTH THAT OF A SPEEDBOAT AND TUGBOAT\" font_container=\"tag:h2|font_size:36px|text_align:center|color:%23373a3a|line_height:42px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:700%20bold%20regular%3A700%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488952925715{margin-top: 20px !important;margin-bottom: 50px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"1/6\" css=\".vc_custom_1489062234491{margin-right: 0px !important;margin-left: 0px !important;padding-right: .5% !important;padding-left: .5% !important;}\"][vc_single_image image=\"9906\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489061316397{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/6\" css=\".vc_custom_1489062247167{margin-right: 0px !important;margin-left: 0px !important;padding-right: .5% !important;padding-left: .5% !important;}\"][vc_single_image image=\"9907\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489061425616{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/6\" css=\".vc_custom_1489062292531{margin-right: 0px !important;margin-left: 0px !important;padding-right: .5% !important;padding-left: .5% !important;}\"][vc_single_image image=\"9908\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489061455908{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/6\" css=\".vc_custom_1489062271812{margin-right: 0px !important;margin-left: 0px !important;padding-right: .5% !important;padding-left: .5% !important;}\"][vc_single_image image=\"9948\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489123606295{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/6\" css=\".vc_custom_1489062283868{margin-right: 0px !important;margin-left: 0px !important;padding-right: .5% !important;padding-left: .5% !important;}\"][vc_single_image image=\"9910\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1489061592414{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/12\"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=\"yes\" disable_element=\"yes\" el_class=\"phide\"][vc_column_inner width=\"1/12\"][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9389\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1487937038779{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Thought Leadership\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487942197732{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\n<p style=\"text-align: center;\">Design project portfolios, partnerships, end-to-end solutions, enhanced interfaces and hypotheses to be tested on the ground</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9390\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1487937093162{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Targeted Funding\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487942212954{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\n<p style=\"text-align: center;\">Incubation grants and USAID credit guarantees to promote entrepreneurial efforts to solve market failures</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9391\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1487937124318{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Project Delivery\n\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487942246166{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\n<p style=\"text-align: center;\">On-the-ground Project Management Unit to track progress and coordinate stakeholders</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9392\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1487937154277{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Knowledge Management\n\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1487942282826{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\n<p style=\"text-align: center;\">Collaborative, multi-dimensional research on adoption and use of digital finance, and its long term impact</p>\n[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/6\"][vc_single_image image=\"9393\" img_size=\"full\" alignment=\"center\" css=\".vc_custom_1487937188914{margin-bottom: 0px !important;}\"][vc_custom_heading text=\"Advocacy Platform\" font_container=\"tag:h6|font_size:24px|text_align:center|color:%23d01f3c|line_height:30px\" google_fonts=\"font_family:Roboto%20Condensed%3A300%2C300italic%2Cregular%2Citalic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal\" letter_spacing=\"\" css=\".vc_custom_1488891423771{margin-bottom: 0px !important;}\"][vc_column_text text_color=\"#373a3a\" font_size=\"16px\" letter_spacing=\"\"]\n<p style=\"text-align: center;\">Multisector partnerships to address key challenges, disseminate learnings, scale successful initiatives, and advocate enabling policies</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 full_height=\"yes\" content_placement=\"middle\" type=\"image\" bg_position_horizontal=\"center\" bg_repeat=\"repeat-y\" bg_attachment=\"true\" enable_parallax=\"false\" parallax_speed=\"0.4\" padding_top=\"70\" padding_bottom=\"0\" margin_top=\"40\" margin_bottom=\"0\" bg_image=\"10061\"][vc_column][vc_row_inner][vc_column_inner][vc_column_text text_color=\"#ffffff\" font_size=\"18px\" letter_spacing=\"\" el_class=\"lh24\"][timeline-express][/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row el_id=\"footer_area\" text_align=\"center\" type=\"image\" bg_position_horizontal=\"center\" padding_top=\"50px\" padding_bottom=\"50px\" bg_image=\"9937\"][vc_column width=\"1/4\"][/vc_column][vc_column width=\"1/2\" offset=\"vc_col-lg-offset-0 vc_col-md-offset-0 vc_col-sm-offset-0\"][vc_single_image image=\"7888\" img_size=\"full\" alignment=\"center\"][vc_column_text text_color=\"#ffffff\" font_size=\"14px\" letter_spacing=\"\" css=\".vc_custom_1526057729699{margin-top: 35px !important;margin-bottom: 5px !important;padding-right: 20px !important;}\"]\n<p style=\"text-align: center;\">CATALYST is an initiative funded by USAID under the mSTAR Program, through funding provided to FHI 360. Housed within IFMR LEAD, the initiative aims to expand digital payments and financial inclusion in India, especially for small merchants and low-income consumers.</p>\n[/vc_column_text][kleo_gap][vc_column_text letter_spacing=\"\" css=\".vc_custom_1484051069491{margin-bottom: 0px !important;}\"]\n<p style=\"text-align: center;\">[email-newsletter-plugin]</p>\n[/vc_column_text][kleo_icon icon=\"facebook\" href=\"https://www.facebook.com/CashlessCatalyst/\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"linkedin\" href=\"https://www.linkedin.com/company/13221050?trk=tyah&amp;trkInfo=clickedVertical%3Acompany%2CclickedEntityId%3A13221050%2Cidx%3A2-1-2%2CtarId%3A1476420479247%2Ctas%3Acashless%20catalyst\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"twitter\" href=\"https://twitter.com/cashlesscatalys\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][kleo_icon icon=\"youtube-play\" href=\"https://www.youtube.com/channel/UChuc38_PfawDOu44IfYS4lw\" target=\"_blank\" padding=\"15px\" icon_color=\"#ffffff\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row]', 'About', '', 'inherit', 'closed', 'closed', '', '9346-autosave-v1', '', '', '2019-02-06 11:07:50', '2019-02-06 11:07:50', '', 9346, 'https://cashlesscatalyst.org/media/9346-autosave-v1/', 0, 'revision', '', 0);
