Page 47 - Banking Finance February 2018

INTERVIEW

India stack thus ready to scale and integrate with
For update news on Banking & Finance Industry
technologies of the future. BANKING FINANCE
We design our products for each segment basis the segment
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& working capital requirements. Further, we build linkages
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to their business, so that our loan provides them withnot just
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the capital, but levers for growing their business. Finance Rural/Co-op 3 Year 1500
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etc. The process is complete digital and we are getting some
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As an ex banker & visionary in the BFSI segment,
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what is your expert opinion of 2018 for
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financial technology sector at large? (Please mention the scheme name example : It-1, Lit-1 or Combo 4-1)
I believe that the financial technology sector will play a Period of Subscription : From to
major role in "connecting" lenders to hitherto underserved Details of payment : Cash/M.O./D.D./Cheque* No
/ unserved customer segments in the MSME / SME space
thereby facilitating finance to the economy's growth engine
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and supporting the Government's agenda of supporting
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entrepreneurs and generating employment through these
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segments of the economy.
Outstation cheques of metro cities accepted only. No Charges ap-
The Fintech sector will also reduce the cost of Sales, plicable for payable at per cheques.
Underwriting as well as Cost of Credit through the Do not make any Cash Payment
customers' lifecycle management and hence allow CASA rich for Subcription of Journals Signature of Subcriber
lenders deploy their surplus funds at acceptable risk / return
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and at a variable cost.
Post 2018, as lenders become more familiar with the models, Mode of Payment
as digitization of the economy grows, as more SMEs / MSMEs 1. Payable at per Cheque/Demand Draft favouring Sashi Pulbications
come under the ambit of GST, hence affording access to Private Limited, Payable at Kolkata
2. You can directly ECS/Deposit cash in our bank account number
transaction level data, I see an increasing "shift" of lenders
below in your city and send us copy of Pay in slip by email.
to this segment and from direct sourcing / underwriting A/C Name : Sashi Publications Private Limited
towards Partnering with Fintech organizations across the A/C No. : 402120110000327
varying models of different Fintech cos. Bank : Bank of India
Branch : V V K Road Branch., Kolkata, India
Fintech cos. that are able to sub-segment the MSME / SME IFSC Code : BKID0004021
market and underwrite accordingly will start capturing an Make Online Payment by Credit Card/Debit Card or your net banking
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BANKING FINANCE | FEBRUARY | 2018 | 47

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