印度YES Bank:将农业科技和清洁科技纳入金融科技加速器项目 - 互联网金融门户 未央网

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印度YES Bank:将农业科技和清洁科技纳入金融科技加速器项目

其他国际资讯

印度YES Bank:将农业科技和清洁科技纳入金融科技加速器项目

YES Bank新的加速器项目会将项目拓展至金融以外的领域,协助其他行业的创企发展壮大。

印度私营银行YES Bank于2017年1月推出首个金融科技加速器项目,并成功将非银行领域的创企揽入项目计划。

YES Bank高级总裁兼公司战略负责人Amit Shah表示:"这个项目是我们认真构思和运作的。我认为,虽然我们自己没有这方面需求,但是通过协助创业公司发展金融科技,我们同样能有效参与其中。"

Amit还表示,随着数字化的发展,银行业可以有新的经营模式。银行不必将业务局限于资金交易,还可开展各种咨询服务。

YES Bank还想到,客户没有机会接触创企,自己可以请创企为客户解决日常的商业问题。

业务规模扩张

YES Bank的新项目名为YES Scale,面向智能城市、清洁科技、农业科技、生命科学和教育科技五个领域。在发展的第一阶段,该银行重点关注前三个领域。

Amit认为:"这五个领域都是知识部门,而我们对此有很专业的了解。"而且YES Bank一直在积极投资清洁科技行业和农业。

YES Bank总经理兼首席执行官 Rana Kapoor说:"印度是全球第二大清洁能源市场,可再生能源投资额排名第四。由于创业型经济蓬勃发展,印度市场大变模样,清洁科技部门的发展被重新定义,这与印度政府的预想一致。"

连接创企与客户

在YES Scale这个新的加速器项目中,银行将创企、本行客户和技术供应商串连了起来。它还赠予企业最高达200万卢比的启动资金,以供企业在15周的时间内打开市场。另外,它也会提供融资渠道,融资金额最高可达100万美元。

YES Bank的赠款计划是源于有关印度金融科技部门发展的一篇研究报告。报告发现,80%-85%的企业由于资金问题无法跨过概念证明这一阶段,从而与市场失之交臂。这一笔赠款足以让企业完成概念性验证。

Amit说:"创企的方案需要得到实践,而我们的客户也愿意与这些创企合作,解决实际存在的问题。"参与该项目的创企将经历14周的高强度工作,让产品显现市场潜力。

YES Bank有一个关于目标领域创企的庞大数据库,并计划在每个领域内选15-20个企业纳入项目发展目标。它重点关注的是仍处于早期阶段的创企。

合作伙伴

YES Bank在智能城市领域的合作伙伴有戴尔、博世,在农业科技领域有ITC、雀巢、MTR和 Bigbasket。

YES Bank为此次加速器项目准备了4000万卢比的资金,其中3000万会用于增款计划。该银行对于对接的创企质量非常有自信。在第一阶段,该项目就已收到来自18个国家共750家企业的申请材料。

YES Scale加速器项目吸取了之前的教训。Amit表示:"在第一年,我们认为能够将国际很多高科技引进印度,但是这些企业对国内的单位经济效益却不太了解。"

他认为,印度的市场有规模有体量,但边际效益比较低。另一点教训是,YES Bank是一家金融机构,应当较为保守地参与创企的发展,对待那些财务数据敏感的企业尤甚。Amit还说:"我们不想让事情变得乱糟糟。我们有自己的风险管理手段,包括信息安全、申请条件以及合规性。"

Private sector lender YES Bank first launched its fintech accelerator programme in January, 2017, but the success of the programme has led the bank to extend its programme to startups that are in non-banking sectors.

“This was something which was running on the back of our minds. Just because we cannot consume it would not mean that we could not meaningfully engage with them,” says Amit Shah, country head, corporate strategy, YES Bank.

He says that with growing digitalisation, there is a new paradigm in banking, where banks’ activities go beyond just financial transactions, and include providing various kinds of advisory services.

YES Bank also realised it could take innovative startups to its clients to solve their business problems as often, the clients did not have access to startups.

Scope expansion

YES Bank’s expanded accelerator programme is called YES Scale, and is focused on five verticals – smart cities, cleantech, agritech, life sciences and edutech. In the first phase, the bank is focusing on smart cities, agritech and cleantech.

Amit says, “The five segments are the knowledge sectors and we have deep expertise in these areas.” The bank has been actively financing in the areas of cleantech and agriculture.

YES Bank Managing Director and CEO Rana Kapoor says, “India is currently the second most attractive renewable energy market in the world and fourth in terms of renewable energy investments. With the rise of the startup economy, the Indian market is all set to disrupt and redefine the contours of the clean technology sector, in line with Government of India’s vision.”

Connecting the dots

As part of the YES Scale accelerator programme, the bank brings together startups, clients and technology providers. It also provides a grant of up to Rs 20 lakh to startups with the core focus being to take them to the market in 15-weeks’ time. Besides, it also provides access to funding of up to $1 million through various investment partners.

The grant provided by YES Bank is part of an insight it gained from a detailed study on the opportunities in the India fintech sector, where it found that 80-85 percent of the startups struggle to get off the mark as they do not get funding for their proof of concept (PoC). The grant from YES Bank enables these startups to complete their PoC.

“Startups have a solution which is yet to implemented, and we have clients who have agreed to work with them to solve their real-life problems,” says Amit. The startups in the programme will undergo an intensive 14-week curriculum where the focus is to create market viability of their products.

The bank has an exhaustive database of startups in its chosen segments and it plans to select around 15-20 in each segment. Among the startups, the bank is looking at those that are still in the early stages.

Partners

YES Bank has partnered with Dell and Robert Bosch for its smart city segment, whereas ITC, Nestle, MTR, and Bigbasket will be part of its agritech programme.

The lender has set aside Rs 4 crore for the accelerator, of which Rs 3 crore will be given in form of grants. The bank is confident of getting the right quality of startups for the YES Scale progamme. As part of its fintech accelerator programme, it had received applications from 750 companies across 18 countries in the first phase.

The YES Scale accelerator programme has taken learnings from the bank’s fintech accelerator. Amit says, “In the year one, we thought we will bring a lot of international deep tech into India, but realised that these startups do not understand the unit economics of the country.”

He opines that India is a country where there is scale and volume, but it comes at a low margin. The other important learning was that as a financial institution, YES Bank needed to be conservative on how it engaged with startups, especially those dealing with sensitive financial data. “We do not want to do things in a hurry, and have our own processes in risk management which encompasses areas such as information security, application and compliance,” says Amit.


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