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Pitch Deck
Milestone 1
Who we are
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Y&S venture
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Why ?
The initiative Y & S is being pursued in response to the urgent need to transform
financial services. Our guiding principle is the conviction that cutting-edge
fintech solutions can democratize access to financial resources, enabling both
people and companies to prosper in an increasingly complex financial
environment.

What ?
Y & S is a fintech startup focused on providing seamless digital banking
experiences. Our platform offers a comprehensive suite of financial services,
including online banking, payment processing, lending, and investment
management.

How ?
The issues of restricted accessibility and inefficiencies in traditional banking are
resolved by Y & S. We provide specialized solutions for a range of financial
demands while streamlining financial procedures and lowering transaction costs
by utilizing state-of-the-art technology. In order to ensure sustainability and
growth, our revenue model is based on subscription fees, transaction fees, and
collaborations with financial institutions for product distribution.
PROBLEM/OPPORTUNITY
CONTEXT
The problem occurs whenever individuals or
businesses engage with traditional banking
institutions for financial services, such as opening
accounts, making transactions, or seeking loans.
CUSTOMERS
The problem is most prevalent among individuals
and businesses seeking convenient, cost-effective,
and personalized financial solutions, especially in
underserved or remote areas lacking access to
traditional banking infrastructure.
PROBLEM
The root cause of the problem lies in outdated
infrastructure, bureaucratic procedures, and
rigid business models within traditional banking
systems, leading to inefficiencies and
dissatisfaction among customers.
EMOTIONAL IMPACT
Customers feel frustrated, constrained, and dissatisfied
with the limitations and inefficiencies of traditional
banking systems. They crave seamless, user-friendly
experiences tailored to their unique financial needs.
QUANTIFIABLE IMPACT
The measurable impact of the problem includes
wasted time (hours spent in queues or dealing
with paperwork), financial losses (due to high
transaction fees or delayed processes), and
missed opportunities for growth (lack of access to
affordable credit or investment options).
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ALTERNATIVES
To fix the problem, customers currently endure long
queues, paperwork, and complex procedures at brick-
and-mortar bank branches. Alternatively, they may
resort to online banking platforms, which often lack
the personalized touch and comprehensive services
desired
ALTERNATIVE SHORTCOMINGS
The disadvantages of alternatives include potential
security risks (e.g., data breaches or identity theft),
limited financial products and services, lack of trust due
to unfamiliar brands, and regulatory uncertainties.
Additionally, reliance on multiple platforms for different
financial needs can lead to fragmentation and
inconvenience for customers.
Problem Interviews And Surveys Results
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How many customers did you interview? logo here

• 100 Total Customers

Agreed current
What was the interview mode? banking system
is inefficient 15%

either did not

• Online Google Form perceive it as a
problem or had
neutral opinions
85%

How many of them agree this is a problem and wants a solution?

• 85 out of 100 customers agreed that the current banking system is inefficient and in need of a solution.
• 15 customers either did not perceive it as a problem or had neutral opinions.

How many of them said they don't need a new solution?

• None of the customers explicitly stated that they do not need a new solution. However, some expressed
satisfaction with existing alternatives.
Market Size Estimation Place your
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TAM:
TAM The Indian Fintech industry’s Total Addressable Market is
estimated to be $1.3 Tn by 2025

SAM:
SAM
The Payments landscape in India is expected to reach $100
Tn in transaction volume and $50 Bn in terms of revenue by
.
2030.

SOM:
SOM India is amongst the fastest growing Fintech markets in the
world. Indian FinTech industry's market size is $50 Bn in
2021 and is estimated at ~$150 Bn by 2025

Sources:
https://www.investindia.gov.in/sector/bfsi
-fintech-financial-services
Customer Persona
Photo
Ethos
• Efficiency: Chiranjeet values efficiency
and seeks a banking solution that
saves him time and effort.
• Innovation: He is attracted to
innovative fintech solutions that
leverage technology to enhance user
experience and offer innovative
features.
• Trust: Chiranjeet prioritizes trust and
security in financial services, seeking a
reliable platform with robust security
measures in place.
• Personalization: He desires
personalized financial services tailored
to his specific needs and preferences,
rather than one-size-fits-all solutions.
Age: 28
Occupation: Entrepreneur
Location: Kolkata, India
Goals Motivations
• Chiranjeet aims to manage his personal and business finances seamlessly,
maximizing efficiency and minimizing costs.
• He desires a modern banking solution that offers convenience, accessibility, and
personalized services tailored to his unique financial needs.
Frustrations
• Chiranjeet is frustrated with the inefficiencies and limitations of traditional
banking systems, such as long queues, paperwork, and high transaction fees.
• He feels constrained by the lack of digital options for banking services, which
hinder his ability to manage finances on-the-go and make timely decisions.
Personality
Bio
• Chiranjeev is a 28-year-old entrepreneur based in Kolkata, India.
• He runs a small business in the e-commerce sector, which requires frequent financial
transactions and access to credit facilities.
• With a busy schedule, Chiranjeet values convenience and efficiency in managing
both his personal and business finances.
• He is tech-savvy and comfortable using digital platforms for various tasks, including
banking and financial management.
• Chiranjeet seeks a fintech solution that not only simplifies banking processes but
also provides insights and recommendations to help him make informed financial
decisions for his business's growth.
 Place your

Value Proposition Canvas .

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• Customers want a solution that simplifies their

• Y & S Fintech offers a seamless, user-centric digital financial management tasks, reduces complexities,
banking platform that delights customers with its and offers a seamless user experience.
convenience, efficiency, and personalized services. • They desire a banking platform that understands
• Customers are happy with the easy accessibility of their unique financial goals and provides
financial services from anywhere, at any time, saving personalized recommendations to help them achieve
them from the frustrations of traditional banking. success.

• When facing the problem, clients typically seek

alternatives to traditional banking, such as
• Our primary offering is a comprehensive digital GAIN CREATORS GAINS fintech solutions, mobile banking apps, or
banking platform that includes features such as FIT online payment platforms.
online account management, payment processing, PRODUCT/ • They may conduct research, seek
lending, investment management, and SERVICE JOBS
recommendations, or explore various options to
personalized financial insights.
find a solution that meets their needs
PAIN KILLERS PAINS effectively.

• Time-saving features: Instant account opening,

quick loan approvals, and hassle-free
transactions eliminate the frustrations of • The pains of clients when facing the problem include
waiting in long queues and dealing with wasting time on tedious banking procedures, dealing
paperwork. with outdated technology, and experiencing limited
• Personalized services: Tailored financial insights, accessibility to financial services.
investment recommendations, and budgeting • They dislike the lack of transparency, high fees, and
tools address the pain points of one-size-fits-all impersonal interactions associated with traditional
banking services. banking institutions.
• Security measures: Robust encryption,
biometric authentication, and proactive fraud
detection alleviate concerns about the security
of online transactions.
Solution Place your
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We offer

• Online Banking Services:

1. Instant account opening and easy account Benefits of our solution
management.
2. Secure fund transfers, bill payments, and
mobile top-ups.
3. Real-time transaction tracking and account
monitoring. • Convenience:
• Personalized Financial Tools:
1. Access banking services anytime, anywhere, from any device,
1. Customized budgeting tools to track
eliminating the need to visit physical bank branches.
expenses and savings goals.
2. Streamlined processes and quick approvals save time and effort for
2. Personalized investment recommendations
users.
based on financial objectives and risk • Personalization:
tolerance.
1. Tailored financial insights and recommendations based on individual
3. Automated savings features to help users
goals and preferences enhance user experience.
build wealth over time.
2. Customized budgeting tools empower users to take control of their
• Loan and Credit Facilities:
finances and achieve financial freedom.
1. Quick loan approvals with flexible • Cost-effectiveness:
repayment options.
1. Competitive interest rates, low fees, and transparent pricing structures
2. Competitive interest rates and transparent
help users save money on banking transactions and services.
terms.
2. Efficient loan processing and credit facilities provide affordable
3. Access to credit lines for business and
financing options for businesses and individuals.
personal needs.
 Competition Analysis Place your
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Benefits Competitor 1 Competitor 2 Y&S

Product • Limited digital banking features, primarily focused on basic • Offers a digital banking platform with basic features similar to Y • Comprehensive digital banking platform with a wide
transactions like fund transfers and bill payments. & S Fintech Startup. range of features, including personalized financial tools
• Slow loan processing times and rigid eligibility criteria. • Limited personalized financial tools and investment options and quick loan approvals.
• Lack of personalized financial tools and insights. compared to Y & S. • Emphasis on convenience, personalization, and security.

Price • Higher fees and interest rates compared to Y & S Fintech • Competitive pricing, similar to Y & S Fintech Startup. • Competitive pricing with transparent fee structures and
Startup. • Transparent fee structures with no hidden charges affordable loan options.
• Additional charges for services like account maintenance and • Focus on delivering value for money and cost-
overdrafts effectiveness.

Branding • Established brand presence with physical branches and • Strong digital branding and customer engagement strategies. • Strong digital branding and customer engagement
channels traditional marketing channels. • Limited offline presence compared to traditional banks. strategies, combined with targeted offline marketing
• Limited focus on digital branding and customer engagement. efforts.
• Strives to build trust and credibility through transparent
communication and responsive customer service.

Packaging • Traditional banking products packaged in conventional ways, • Modern and user-friendly interface with intuitive design. • Modern and user-friendly interface with intuitive
with little emphasis on user experience. • Focus on delivering a seamless user experience through design, focusing on delivering a seamless user
• Limited innovation in product presentation and delivery. innovative features. experience.
• Innovative features and personalized recommendations
set Y & S Fintech Startup apart from competitors.

Market reviews • Mixed reviews from customers, with complaints about long • Modern and user-friendly interface with intuitive design. • Positive reviews from customers, highlighting the
queues, paperwork, and impersonal service. • Focus on delivering a seamless user experience through convenience, efficiency, and personalized nature of the
• Perception of being outdated and slow to adapt to changing innovative features. platform.
customer needs. • Perceived as a trusted and innovative player in the
fintech space, catering to the evolving needs of modern
consumers and businesses.

UVP • Offers a trusted banking experience with a long-standing • Emphasizes innovation and user experience, offering a modern • Offers a comprehensive digital banking experience with
reputation in the market. alternative to traditional banking. personalized financial tools and quick loan approvals.
• Access to a wide range of financial products and services • Focuses on simplicity and convenience, catering to the needs of • Emphasizes convenience, personalization, and security,
under one roof. digitally savvy customers. providing a modern alternative to traditional banking.
 Lean Canvas
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SOLUTION UNFAIR ADVANTAGE

PROBLEM
Traditional banking systems are
inefficient, time-consuming, and
lack personalized services.
•EXISTING ALTERNATIVES
Traditional banks with long queues,
paperwork, and high fees.
•Other fintech startups offering
limited digital banking features.
Y & S Fintech offers a
comprehensive digital banking
UNIQUE VALUE PROPOSITION
platform with personalized
•Personalized financial tools
financial tools, quick loan
tailored to individual needs.
approvals, and seamless
•Quick loan approvals and
transactions.
transparent fee structures.
•Seamless user experience with
intuitive design and security
KEY METRICS
measures.
•Customer acquisition cost
(CAC)
•Monthly active users (MAU)
HIGH-LEVEL CONCEPT
•Customer retention rate
Y & S Fintech is revolutionizing the
•Transaction volume
banking experience with a modern
•Loan approval time
digital platform that prioritizes
convenience, personalization, and
security.
•Cutting-edge technology
infrastructure for seamless
transactions and data security.
•Strategic partnerships with
financial institutions for
expanded service offerings.
•Strong focus on customer
experience and satisfaction.
CHANNELS
•Online marketing through
social media, search engine
optimization (SEO), and
targeted advertising.
•Partnerships with businesses
and financial institutions for
product distribution.
•Referral programs to
incentivize customer
acquisition.
CUSTOMER SEGMENTS
•Urban professionals seeking
convenient banking solutions.
•Small and medium-sized businesses
looking for efficient financial
management tools.
•Tech-savvy individuals who prefer
digital banking over traditional
methods.
•EARLY ADOPTERS
Millennials and Gen Z who are
comfortable with digital technology
and seek innovative financial
solutions.
•Early-stage startups and
entrepreneurs looking for flexible
banking options and quick access to
credit.

COST STRUCTURE •REVENUE STREAMS

•Technology development and maintenance costs. Subscription fees for premium banking services.
•Marketing and advertising expenses. •Transaction fees for fund transfers and payments.
•Operational costs for customer support and regulatory compliance. •Interest income from loans and credit facilities.
•Partnership revenues from financial product distribution.
 MVP Place your
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Y & S Fintech Startup: Product/Service Description

1. Full Product/Service Description: Y & S Fintech Startup offers a comprehensive digital banking platform that revolutionizes the banking experience for individuals and businesses. Our solution includes a wide
range of financial services, including online banking, payment processing, lending, and investment management. With a focus on convenience, personalization, and security, we empower users to take control of
their finances and achieve their financial goals with ease.

2. Description of How the Product Will Work:

- Step 1: Account Setup
Users can easily sign up for an account through our website or mobile app by providing basic information and verifying their identity.
- Step 2: Explore Features
Once registered, users can explore the various features of our platform, including account management, fund transfers, bill payments, loan applications, and investment options.
- Step 3: Personalized Financial Tools
Users can access personalized financial tools such as budgeting tools, investment calculators, and credit score monitoring to better understand and manage their finances.
- Step 4: Seamless Transactions
With our intuitive interface and secure infrastructure, users can perform transactions seamlessly, whether it's transferring funds, paying bills, or making investments.
- Step 5: Quick Loan Approvals
Users can apply for loans directly through our platform, with quick approvals and transparent terms, enabling them to access credit when needed.
- Step 6: Customer Support
Our dedicated customer support team is available to assist users with any queries or issues they may encounter, ensuring a smooth and hassle-free banking experience.

3. Any Other Information:

- Our platform prioritizes user experience, with a modern and intuitive design that makes banking easy and enjoyable.
- We leverage cutting-edge technology and encryption protocols to ensure the security and privacy of user data and transactions.
- Y & S Fintech Startup is committed to continuous innovation, with regular updates and new features added to enhance the platform's functionality and value proposition.
- We strive to build trust and credibility with our users through transparent communication, fair pricing, and responsive customer service.
MVP Validation
What is your MVP: Our MVP is a simplified version of our digital banking platform, Conclusion:
focusing on essential features such as account management, fund transfers, and bill  Persevere: Given the positive feedback, high customer acquisition, and willingness to pay
payments. It includes basic financial tools and a streamlined user interface to provide a observed during the MVP test, it's clear that there is demand for our digital banking platform.
seamless banking experience. Therefore, it's prudent to persevere with our current product direction and focus on scaling
Test Details: We will test this MVP over a period of three months to gather sufficient data our offerings to capitalize on the market opportunity.
and feedback from users.
How long will we test this MVP?: Three months
Who is our target audience for the test? How many of them?
•Urban professionals and small business owners in India.
•Sample size: 100 users
•How will we get to that audience?: Online marketing through social media, email
campaigns, and targeted advertising.
•Partnering with local businesses and financial institutions for referrals.
•Results
Conducting outreach events and webinars to attract potential users.
of Test:
1. Did Enough Customers Buy? •Realizations / Insights: Insights from user feedback and behavior will provide valuable insights
• We will analyze whether the MVP attracts enough customers based on our predefined into customer preferences, pain points, and expectations.
target audience and conversion rates. Insights from user feedback will guide •Real-time data analysis will enable us to make informed decisions and iterate on our product
adjustments to the product. strategy.
2. Did Customers Pay the Expected Price?
• We will assess whether customers are willing to pay the price set for the MVP based •Next Steps: Based on the test results and insights gained, we will iterate on our MVP to address
on market demand and perceived value. Adjustments may be made to pricing based user feedback and improve the product.
on feedback. •We will continue to refine our marketing strategies and user acquisition channels to reach a wider
3. Did Customers Come Back or Show Interest? audience and drive growth.
• Customer retention and engagement metrics will indicate whether users find value in
our product and intend to continue using it. Feedback will inform improvements to
enhance user experience.
4. Did customers recommend our product to others or evangelize about it?
• Yes, customers recommended our product to others.
• Positive word-of-mouth stemmed from the seamless user experience, personalized
features, and quick access to financial services.
• Customers appreciated the convenience and efficiency of our platform, prompting
them to share their positive experiences with friends and family.
Team Composition
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Yuvraj Haritwal Sneha Sen

Picture
We love to keep in touch with our
roots . The thought of preserving
our culture and heritage which is
CEO COO/CTO common between three of us and
our passion for our culture and
Key Strength and ability: Key Strength and ability:
heritage makes us a good team.
Leadership, Management skills,
Adaptability, Supportive,
Optimistic attitude Punctual in nature
Thank You!