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The low-income group can now use mobile apps for banking in Digital India

By | August 3rd, 2016|Categories: Banking, Digital Inclusion|Tags: , , , , , |

In India, Pradhan Mantri Jan Dhan Yojana, our government’s national mission for financial inclusion’ has a good looking scorecard, two years after it was launched. With 22.6 Crore Accounts opened till date, 75% of the accounts being active, and a total balance of more than Rs. 40,000 Crore accumulated in banks under the scheme, we can [...]

Vernacular is not equal to poor, or rural!

By | June 3rd, 2015|Categories: Digital Inclusion|Tags: , , |

As educated Indians, we are aware of the dangers of prejudice that stems from casteism, gender discrimination or communalism. Therefore, it is amazing that a majority of people are blind to perhaps the most blatant discrimination that we practice, daily – the Great Language Divide. Put simply, if you are not fluent in English, you are [...]

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Why the future of banking depends on Digital Inclusion

By | April 1st, 2015|Categories: Banking, Digital Inclusion|Tags: , |

Financial inclusion is the need of the hour in India – according to World Bank data, only 35% of Indians have an account with a formal financial institution. Less than 8% have debit cards, and less than 2% have credit cards. As per the 2011 Census, only 58.7% of households utilise formal banking services. The Indian [...]

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Think Digital, Think Vernacular

By | March 25th, 2015|Categories: Digital Inclusion, Technology|Tags: , |

Every marketer and ad agency knows that in order to engage with a mass Indian audience, ads need to be translated into local languages. At least 7 languages form a part of a pan-Indian media plan – Hindi, Marathi, Bengali, Gujarati, Telugu, Tamil and Kannada – and more, if specific states become important to a brand’s [...]

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Using eCommerce to empower Rural India – the Taobao model

By | March 17th, 2015|Categories: Digital Inclusion, Ecommerce|Tags: , |

Known as ‘China’s eBay’, Taobao is a huge online marketplace where Chinese users and merchants can sell and buy products. Alibaba, the owner of Taobao, reports rising rates of eCommerce in rural China, with 70,000 village sellers using the site to retail their produce. What is interesting is that there are 200 plus Taobao villages in [...]

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The Role of Vernacular Mobile Technologies in Financial Inclusion

By | March 10th, 2015|Categories: Banking, Digital Inclusion|Tags: , , |

With the launch of the Pradhan Mantri Jan-Dhan Yojana, the Indian government has signaled its determination to make financial inclusion a reality in India. The attractive incentives to open accounts, easing of paperwork and initiatives by bank branches are ensuring that the targets are being met, in terms of numbers. However, there are certain setbacks in [...]

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Digital India, Missing in action – the sad state of mobile money in India

By | March 4th, 2015|Categories: Banking, Digital Inclusion|Tags: , , , , , , , |

We are so used to thinking of ‘New India’ as a vibrant, progressive economic giant, that we would find it hard to believe there are areas where we under-perform, compared to countries that are more financially and politically challenged than us. Mobile money plays an important role in financial inclusion. Bankers favour mobile transactions over cash [...]

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Connecting Rural populations to the digital revolution – learnings from China

By | February 28th, 2015|Categories: Digital Inclusion|Tags: |

With more than 80% of China’s 885 million mobile phone subscribers using smartphones, the market is maturing and growth is slowing. Manufacturers and telcos are now focusing their attention on the ‘late adopters’ – from the rural areas and relatively less affluent provinces of the country, which represent a high potential for future growth. One such [...]

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Why Thinking Digital Equals Thinking Vernacular

By | February 15th, 2015|Categories: Digital Inclusion|Tags: |

Every marketer and ad agency knows that in order to engage with a mass Indian audience ads need to be translated into local languages. At least seven languages form a part of a pan-Indian media plan – Hindi, Marathi, Bengali, Gujarati, Telugu, Tamil and Kannada – and more, if specific states become important to a brand’s [...]

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The eCommerce Revolution : Eliminate the middleman, benefit the producer!

By | February 8th, 2015|Categories: Ecommerce|Tags: |

eCommerce is about much more than the sale of expensive gadgets and luxury goods like fashion, décor accessories and jewellery. At the heart of the matter, eCommerce is a tool to bring producers of goods and services into direct contact with a huge potential buyer base, local, national and even global. Thereby, it is a means [...]

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