Opportunities for Fintech in India speech given by Madhusudan, Co-founder of KrazyBee in Fintech Nxt Chennai May Meetup

1. Fintech India
Madhu
Dec 2016

2. India may be among the Top 5 Global Economies by 2020

3. Median Age- The median age of the Indian population is 27 years. US & Japan had the same median age in
1970 and 1965 respectively
Demographic Dividend- India’s working population was 474mn in 2012 and is projected to rise to 537 mn
by 2020
Literacy Rate- Literacy rate in India was 74% in 2011 and should reach over 80% by 2020. India also has a
large skilled workforce with 10 million people graduating from college every year
India is still a young country

4. Financial Services Penetration is Low in India

5. India is set for a Fintech Revolution

6. Fintech industry stages

7. Funding in Fintech

8. Key Trends in Fintech Industry
InsuranceLoans
Investments
Remittance
Payments
Unbundling of Bank
Services
1
Erosion
Creation of online
Financial Supermarkets
2
Agglomeration
Bill
payments
Payments
Credit
products
Asset
Manage-
ment
Insurance
Meeting of E-commerce
and Fintech
3
Convergence

9. Erosion • Banks have traditionally
been the sole provider of
an umbrella of financial
services such as
deposits, loans,
insurance, investments,
etc., and have largely
resisted disruption.
However, bank
processes have now
become cumbersome
and entangled.
• In the past 20 years,
there has been a
significant increase in
our digital footprint.
Using analytical tools,
Fintech startups are able
to mine this data for
focused opportunities to
offer simplified,
customized, intuitive
solutions, through
mobile and other
personal channels.
• This customer-centric
approach is more often
attractive than the
traditional banking
experience.

10. Agglomeration: Alipay

11. Agglomeration: Paytm (India)

12. Convergence: Ecommerce and Fintech Shake Hands

13. • 3rd highest number of internet users in the world; e-commerce booming
• 50% penetration of digital banking by 1010; More than a quarter of banking tra
• Continued governmental push for financial inclusion. Low cost inclusion will
technology driven models
• Rapid dissemination of ideas from the US where the Fintech revolution is we
• Fintech start-ups in India are moving into every segment
• While overall adoption levels vary, almost every segment is growing rapidly
• The situation is complicated by the convergence of e-commerce and Fintech
• Success in one segment can enable a player to enter other segments and crea
supermarket. There is already some evidence of this.
• While individual start-ups may appear tiny compared to the institutions, they
well funded - with a different profit horizon. They will force institutions into
on multiple fronts
• The biggest risk faced by banks is the loss of share of their most profitable pr
disintermediation is the highest. Automation and analytics will also help star
considered unprofitable
This is just the beginning

14. Source of Information
• Tracxn Report - Alternative Lending - September 2016
• MXV Consulting (www.mxv.in)
• Fintech in India - A global growthstory, Joint publication
byKPMG in India and NASSCOM 10,000 Startups
• Fintech: Redefining banking for customers, Decade
edition of CII BANKing TECH Summit 2016

15. Thanks
Partner with us to revolutionize the lending market in India
Contact: Madhu (Madhusudan E)
Phone: (+91) 9980527224
Email: madhu@krazybee.com
Web Address: www.krazybee.com
Contact: 万洪 (Wan Hong)
Phone: (+91) 9738714028
Wechat ID: 82507865
Email: wanhong@krazybee.com