Fintech 1.

0
Supply Chain Finance
Problems in supply chain finance
• Messy reconciliation of invoice
• Documentation
• TAT of financial institutions (invoice is a perishable commodity)
Innovations in supply chain financing
• Platform discounting
• Dynamic discounting
• Blockchain
Invoice discounting
• How invoice discounting works?
• Rolling calculation
Platform discounting
• Sale of receivables to a network of investors through an online tech platform
with recourse to the seller at a cost

Advantages
• Extension of payable days
• Instant funding within 48 hours
• Online paper work – No wet signature
• Advanced UI & Dashboard
• Portal access to suppliers and investors
KredX
Dynamic discounting
• A method used by buyers to extend early payments to their suppliers ahead
of their payment due date in exchange of a discount on the invoice value

Advantages
• No credit underwriting
• No flat rate; it is based on urgency of funds
• Convert account payables from cost center to profit center
• Flexibility of payment on need basis
• Eliminates the use for high cost financing
C2FO
Blockchain
• Blockchain, is a growing list of records, called blocks, which are linked using
cryptography (Bitcoin example)
• Each block contains a cryptographic has of previous block, timestamp, and
transaction data
Key use case – who owned the asset and when?
• It is an ‘open, distributed ledger that can record transactions between two
parties efficiently and in a verifiable and permanent way
Benefits of block chain
• Decentralization
• Immutability – no body can change
• Provenance – ownership of asset
• Security -
Block chain in the supply chain paradigm
• Multiple stakeholders on the same platform
Vendor raises invoice on blockchain > Corporate approves it with their private
key > Banks can consume it to fund
• Proof of authority
• No need for APIs
P2P lending
• Platform for engaging investors with individual borrowers
• Special NBFC – P2P license required
• NBFC responsibilities include customer onboarding, underwriting, disbursal
and repayments
• Max 50 lakhs limit per investors across all P2P platforms
Faircent
Tech innovations in Insurance
How are Fintechs in Insurance adding value?
Digit Insurance
Digit Insurance
Digit Insurance
Digit Insurance
Zerodha
• Zerodha – Zero + Rodha
• Over 9 lakh active clients
• More than two-third of
customers below 37 years
• Pricing: 20 rs. Per trade
Thank
You
www.indifi.com