最有看点的互联网金融门户

最有看点的互联网金融门户
全新的互联网金融模式国际资讯基于互联网平台的金融业务

印度:金融科技市场重心向二三线城市转移

全新的互联网金融模式国际资讯基于互联网平台的金融业务

印度:金融科技市场重心向二三线城市转移

随着印度数字化推进,金融科技公司也遍地开花,用户数量大幅增长。 然而,大多数用户还是集中在一线城市。

如今,情况似乎正在发生改变——金融科技市场重心开始逐渐向二三线城市倾斜。

对于金融科技公司来说,这些二三线城市都尚未被开发,其背后蕴藏着巨大的市场空间和发展潜力。小型城市拥有准备好接受数字化转变的庞大人口。受到近期现金危机影响,这些市场在B2C和B2B领域的发展空间都非常可观。就目前来看,出现市场重心转移的主要有以下三个领域:

移动支付

不久前,印度著名的移动支付平台Paytm宣布推出多款本地语言版本的应用程序,推动小城市地区支付交易增长。Paytm在其博客中写到:"印度二三线城市的客户份额大幅增加,过去一周,旁遮普语和坎纳达语用户增长了约300%,马拉雅拉姆语、泰卢固语和古拉提语用户增长了200%。与此同时,泰米尔语和马拉地语用户数量猛增170%,而孟加拉语和印度语用户增长了150%以上。"

不仅金融科技创企开始关注中小城市市场,据报道,就连PayPal这样的支付巨头也开始讲注意力转向二三线城市市场。

数字保险

用户数量的增长并不局限于支付公司。 保险公司Coverfox最近通过C轮融资募集了2200万美元,计划利用这笔投资将其覆盖范围扩展到二三线城市。

Ideal Insurance Brokers有限公司CEO Rahul Agarwal也表示,"二三线城市有太多有组织企业,市场潜力巨大。我们正积极向二三线城市扩展市场。我们已经在赖布尔和乌代布尔开展业务,并计划近期在斋浦尔、布巴内斯瓦尔和苏拉特开展业务,这些地区用户增速喜人。"

在线贷款

金融科技创企Kissht是一家支付平台,允许用户先购买、后支付。近日,该公司也开始了向中小城市扩张的计划。

Kissht创始人兼首席执行官Krishnan Vishwanathan表示,在政府强有力举措支持下,信贷服务匮乏和互联网的强势渗透为公司进入二三线城市市场打开了一扇新的大门。

Vishwanathan还补充道,目前,只有收入不错的少数人贷过款,拥有cibil 评分,能够从传统金融生态系统中借款,而剩余人口则被排除在外。"因此,像我们这样的公司有更大的客户群来测试和建立强大的用例,基本不存在竞争对手。"据了解,Kissht目前已经与戴尔、Intex等几家本地厂商和设备制造商开展合作,支持客户购买其产品。目前,Kissht拥有38个市场,分布在一二三线城市。

今年早些时候,即时贷款创业公司EarlySalary也宣布进军芒格洛尔、迈索尔、维杰亚瓦达、维扎格、艾哈迈达巴德、昌迪加尔和斋浦尔等城市。EarlySalary联合创始人兼首席执行官Akshay Mehrotra表示:"全国各地新就业中心和IT城市需求激增,所以我们正在尝试在这些市场提供10分钟贷款服务。"

Mehrotra表示,效率是推动这些城市市场发展的驱动力。 通过企业合作,Mehrotra注意到这些城市的需求不断增长。然而,挑战在于为这些新市场提供同样的无缝体验。他说:"这些市场与一线城市面临着相同的现金流量问题。分销没有物理成本。需求没变,速度也必须达标。"

The fintech boom has seen a drastic shift in the way we transact in India. With the move to digitization in the country, fintech companies too have spurted across India, while existing players have seen a spike in their users. However, most of these users were restricted to the Tier I cities in the country. Well, not anymore.

Entrepreneur India spoke to fintech players as they shared why Tier II and III cities are enticing markets.

The Shift

Fintech companies are now ready to turn their attention to the Tier II and III cities, so as to penetrate deeper into the country. Being untapped markets, these cities bring a greater opportunity for the players.

Start-ups which have raised funding recently have also spoken about the need to focus on the smaller markets. According to reports, Paypal is also looking at strengthening its presence in India by turning to Tier II and III cities.

Paytm has even released its app in regional languages to facilitate transactions from smaller cities. In a blog published by Paytm, the company said, “We have not only registered a massive surge in the share of customers from India’s tier II and tier III cities, but also helped a huge segment of new users to transact digitally. Over the past week, the number of Punjabi and Kannada users grew by around 300%, Malayalam, Telugu and Gujrati users rose by 200%. In the same period, the number of Tamil and Marathi users shot up 170% while Bengali and Hindi users grew over 150%.”

But the growth isn’t just restricted to payment companies. Insurance company Coverfox which recently raised US$ 22 Mn in a Series C funding will use the investment to expand insurance coverage into tier-2 and tier-3 cities.

The Next Big Market

The smaller cities have a huge population which is ready to, if not already, adopt digitization. These markets which have also been hit by the recent cash crunch have space not just for B2C players but also B2B players.

Fintech startup Kissht which allows users to buy now, pay later, too is expanding to smaller cities. Krishnan Vishwanathan, Founder & CEO, Kissht said that the lack of access to credit and the radical internet penetration, backed by strong government initiatives has opened a new “Fin-gate” into Tier II and III cities. “It’s a gateway to fulfill unmet credit needs and also assess customer's credit worthiness. This will also help in customers’ socio-economic profiling via accessing 8K+ digital foot print variables,” he said.

Vishwanathan added that currently, the few people who have good income and have borrowed in the past and have a cibil score and are able to borrow from traditional financial eco-system .The remaining are not being catered to in a holistic manner. “Thus, companies like ours have a larger customer pool to test and establish a very strong use case with near zero competition,” he said. Kissht has also partnered with few local players & OEMs like Dell, Intex to support customer purchases. Currently, they are present in 38 markets which consist of tier I, II and III cities.

The savings capacity and spending power of these cities too are rising which is further attracting players to cater to them. “There is a huge market opportunity as there are too many organized players operating in tier 2 and 3 cities. We are aggressively looking to expand there. We have started our operations in Raipur and Udaipur and are looking to start soon in Jaipur, Bhubaneswar and Surat as we see a good growth coming from these places,” said Rahul Agarwal, CEO, Ideal Insurance Brokers pvt ltd.

Efficiency Will Drive Growth

Earlier this year, instant loans startup EarlySalary announced its foray into cities like Mangalore, Mysore, Vijayawada, Vizag, Ahmedabad, Chandigarh and Jaipur. Akshay Mehrotra, Co-founder & CEO of EarlySalary, said “We have seen a surge in demand from new employment hubs and IT cities across the country and hence, we are working towards providing a 10-minute loan service across these markets.”

Efficiency is what will drive the market growth in these cities, said Mehrotra.  Through their corporate tie-ups, Mehrotra noticed a growing demand from these cities. However, the challenge lies in delivering the same seamless experience to these new markets as well. He said, “Inherently these markets have the same cash flow problem as in Tier I cities. There’s no physical cost of distribution involved. We have to service the same need in the same speed,” he said.

用微信扫描可以分享至好友和朋友圈

扫描二维码或搜索微信号“iweiyangx”
关注未央网官方微信公众号,获取互联网金融领域前沿资讯。

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

栀航 | 未央团队未央编辑团队

57
总文章数

TA还没写个人介绍。。。

支付行业AB面:有的“光鲜”上市 有的面临出局

魏倩 | 上海证券报 2天前

未央今日播报:全球金融科技中心城市报告发布 “京东互保”上线仅一天后下架

未央研究 11-15

《2018全球金融科技中心城市报告》发布:亚洲发展崛起,中国城市领衔

小未 11-15

腾讯金融业务收入首次曝光,它会是腾讯的下一剂良药吗?

洪偌馨 | 馨金融 11-15

李东荣:金融风险的防范,不因技术的发展有任何特殊和意外

小未 11-15

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1