Fintech Investments

Group – 15
 ▪ Fintech, short for financial technology,
describes technologies that are being leveraged
What are to make financial processes easier, more
efficient, and more profitable. Fintech companies
Fintech develop a variety of software platforms, apps,
Investments hardware solutions, and more to achieve these
goals.
 ▪ The growth of FinTech is due in large part to the
opportunity it affords small players to compete on
Importance of the the same field as traditional banks and financial
institutions. Thanks to FinTech, it’s no longer about
Fintech Industry who is biggest, but who is fastest and most
responsive at effectively addressing the ever-
changing consumer demands.
 PATYM
▪ Paytm is one of the first and the most popular
Indian mobile payments and financial services
companies. Paytm introduced digital payments in
India through their e-wallets.
Fintech
Companies in LENDINGKART
India
▪ Lendingkart is a a digital lending platform for SMEs.
The company uses big data analytics tools and machine
learning algorithms to asses customer creditworthiness,
identify risks, detect fraud, and disburse loans within 72
hours.
 MONEYTAP
▪ Moneytap provides instant personal loans of up to Rs 5
lakhs, with the entire KYC process taking place via its
mobile app.

Fintech
Companies in INSTAMOJO
India
▪ Instamojo is a full-stack transactional platform aimed at
bringing small businesses online. It provides an easy-
to-start and simple-to-integrate payment solution that
enables businesses to collect payments online.
 RAZORPAY
▪ Razorpay is an online Payment Solution platform in
India that provides businesses with a quick, safe,
simple, and cost-effective way to accept and disburse
payments digitally.
Fintech
Companies in
India SHIKSHA FINANCE
▪ Shiksha Finance provides services to a very specific
and deprived community in the country. Their business
model prioritizes the well-being of the community over
generating revenue.
 ▪ Due to emerging technology, changing cultural trends
and a favourable regulatory landscape, FinTech has been
growing beyond boundaries. FinTechs can expect
Future of future technology breakthroughs to propel the
Fintech in India expansion of the market even further and revolutionize
the manufacturing, delivery, and consumption of
financial products and services in the coming years.
 ▪ Some well-known companies such as Personal Capital,
Examples of Lending Club, Kabbage and Wealthfront are examples
of FinTech companies that have emerged in the past
FinTech decade, providing new twists on financial concepts and
allowing consumers to have more influence on their
financial outcomes.
 ▪ Mobile Banking
▪ Digital Lending and Credit
▪ Mobile Payments
Examples of ▪ Cryptocurrency & Block chain
FinTech ▪ Insurance
▪ Trading
▪ Banking as a Service (BaaS)
 ▪ Fintech relies on the latest technology.
▪ Fintech offers personalized customer experience
How is Fintech ▪ Fintech has fewer regulations
different from ▪ Fintech has greater potential for growth
traditional banks? ▪ Fintech offers greater market penetration
 ▪ US Federal Reserve
▪ Consumer Financial Protection Bureau
Who regulates ▪ Federal Deposit Insurance Corporation
Fintech ▪ Office of the Comptroller of the Currency
companies?? ▪ State Banking Agencies & Conference of State
Bank Supervisors
▪ Commodity Futures Trading Commission
 ▪ Consumers

Different types ▪ B2C for small businesses

of fintech ▪ B2B for banks

users ▪ Bank’s business clients

 ▪ Advertising
▪ Subscriptions
Strategies to Make ▪ Peer to Peer Lending
Money from ▪ Robo-advisors
Fintech Apps ▪ In-app Purchases
 ▪ Greater accessibility.
Advantages of ▪ Time optimization
Fintech ▪ Variety of services
Investments
▪ Cost reduction.
 ▪ Lack of physical branches. This can be a
disadvantage when there is a problem in the
provision of the service, since everything must be
Disadvantages of dealt with via email or social networks.
Fintech ▪ Lack of regulation. It is a reality that it is such a
Investments notorious phenomenon that authorities around the
world continue, in many cases, to study and
legislate this phenomenon
 This study used a case study investigation of a top-5 bank
in Taiwan. The major data sources include the meeting
notes of the FinTech investment task force and
interviews with the team members. Co-opetition theory
was adopted as the theoretical framework and interview
questions were derived from the PARTS strategies in co-
petition theory. The results relate to: (1) the strategic
goals of FinTech investment, (2) the added value from
Case Study FinTech companies, (3) criteria in selecting candidates in
the same FinTech area, (4) choosing to work as either a
cooperator or a competitor, and (5) barriers from policies
and regulations. The findings and discussion can benefit
researchers and administrators in finance-related
industries. More studies are desired to observe long-term
development in terms of how companies collaborate or
compete in specific FinTech areas.
 Opportunities for fintech is wide open and how well
the start-ups rise to the customers’ expectations will
be a challenge. However, there are positives for
both sides, and as incumbents have a strong
reputation and an established leader in the financial
Conclusion framework, they have the added advantage to watch
the fintech players operate and later step-in as and
when required.
Thank-you
Anish Chugh- 15
Devansh Jain- 36
Dhruvil Jain- 38
Jash Jain- 39
Kevin Patel- 90
Abhigyan Poddar- 91
Devanshi Mehta_ 71