This note presents learnings from Catalyst’s pilot to digitise the B2B supply chain of Saras Dairy in Jaipur. The pilot project was identified as a potential use case with a strong business value proposition for all stakeholders and an opportunity … Read More
Small, Growing Businesses and Employment
Digitising Khatta System – Journey of MeraPaper
Catalyst
The field story illustrates how the founders of Merapaper, an innovative mobile application, conceived the idea for the application and took it from ideation to implementation. The application aims to revolutionise the time-intensive, cash dependent and high frequency payment collection … Read More
Building Hooks and Ladders: A Case for Integrating Digital Payments and Lending to Small Merchants
John Arun, Ankur Gautam
This report presents insights from a study conducted for informing the credit operations of the Catalyst initiative at IFMR. The scoping study was commissioned for assessing the credit needs of micromerchants and understanding whether credit products can be used as … Read More
Mapping the Merchant’s Mind: An Analysis of Digital Payment Behaviors by Fixed Store Merchants in Jaipur
Badal Malick, Rajesh Shukla, Megha Shree, Vaisnavi Gnanasekaran, Pratibha Joshi, Harsh Nisar
This report by Catalyst and People Research on India’s Consumer Economy (PRICE) provides a deeper context on small business profiles, infrastructure, needs, behaviors, and perceptions based on a large sample survey. The study focuses on small merchants with fixed establishments, … Read More
PayNearby: Towards a Hyperlocal Fintech Network
Catalyst
PayNearby is a start-up that aims to create the world’s largest hyperlocal fintech network in India, by enabling existing corner shops to become digital financial service hubs. In this piece, co-founder Anand Bajaj shares Paynearby’s experience in working with micro-merchants … Read More
FINGPAY: Fostering Bare-pocket Transactions
Catalyst
Fingpay, a biometrics-based payments platform, seeks to facilitate seamless transactions without the need for customers to carry cash, cards, or phones on them. In this piece, co-founder of Fingpay, Pratyush Halen, shares insights from Fingpay’s journey in digitising payments using … Read More
In BHIM We Trust
Catalyst
This field story captures the experience of small merchants in adopting and using the BHIM UPI application. Merchants were onboarded to the BHIM QR code platform as part of Catalyst’s experiments to test strategies for enabling digital payment adoption in … Read More
Unlocking Finance for Small Merchants – from Digital Data to Digital Credit
Catalyst
Digitizing merchant can payments generate data trails that can be used by financial service provider to assess the credit worthiness of small merchants. This field story captures insights from a Catalyst experiment in which micromerchants were provided with a Point … Read More
Age just a Number when it Comes to Digital Payments
Catalyst
This field story captures insights on customer experiences with transacting digitally at e-Mitra outlets. These outlets provide a range of government and private sector services, from bill payments to college admissions, through kiosks.
Optimizing Network Referrals to Identify and Recruit Creditworthy Entrepreneurs
Arun Chandrasekhar, Emily Breza and Francisco Munoz, Rupika Singh, Khushboo Gupta
The effort of screening quality loan applications and identifying potential borrowers can be very tedious and time consuming. This brief presents findings from a study that seeks to optimize a referral protocol to identify credit-worthy entrepreneurs.
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