MSME & Entrepreneurship

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 biometric solutions.

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 Jaipur.

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 of Sale (PoS) machine to digitize payments by customers.

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.

Rules of Thumb: Providing Timely Useful Financial Management Advice at Scale in India

This study assesses the impact of an affordable and scalable financial capability intervention that delivered rules of thumb based business advice to entrepreneurs, via voice-based mobile phone messages.

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A Bird’s Eye View of Women Entrepreneurs in Tamil Nadu

This landscaping assessment reviews the entrepreneurship ecosystem for micro, small and medium enterprises led by women in Tamil Nadu, and provides a granular view of district-wise variations in entreprneuership activity and performance.  

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Assessing Value Chain Digitization

This exploratory research study aims to map and analyse the various value chains that low-income consumers and merchants transact in, to identify strategies for promoting digitisation.

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The Evolving Financial Ecosystem for Micro-Merchants in India

This study aims to gain deeper insights into the financial needs of micro-merchants and identify skill and capacity gaps that need to be addressed in order to ease their adoption of digital payments.

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Tamil Nadu State Rural Livelihoods Mission (TNSRLM)

The Tamil Nadu State Rural Livelihoods Mission (TNSRLM) plans to expand in Tamil Nadu with the same guiding principles as Tamil Nadu Pudhu Vaazhvu Project (TNPVP). The Annual Action Plan of TNSRLM states that the TNPVP will be the “pilot blocks of TNSRLM and learning from TNPVP will be guiding the TNSRLM at every stage.” Keeping this in mind, we conducted a case study on Pudhu Vaazhvu Project (PVP) in four villages of Tiruvannamalai district in Tamil Nadu. This memorandum