1. YES BANK Partnership with LENDINGKART

2. The Genesis & Need XYZ BANK
Large Queues outside Public Sector Banks to Remit Money
Target Segment: Migrant Workers in Urban areas
1) Poor Service to Workers
2) Loss of Valuable Time and Income for the Workers
Gap: Poor Service Delivery and income loss to Migrant workers
Opportunity: Provide Flexible (at any time) and efficient service to Migrant workers at affordable cost
Solution! YES Money – Tie-up with Business Correspondents (BCs) to provide seamless Domestic Remittance Service to Customers at reasonable fee

3. YES BANK BC Partner BC Agent
How does the model work – the Stakeholders
YES BANK
Overall Program Management
On-boarding and Training BC Partner
Compliance
Connectivity with Other Banks via RBI/NPCI
Technology Platform
BC Partner
BC Network management
Limit Management
On-boarding and Training of BC Agents
Customer Queries resolution (Call Centre)
Reconciliation
BC Agent
Providing the Services to the Customers on Ground
First Point of Contact for any Customer queries/issues
Responsible for Customer KYC (If Applicable)
Display of Marketing Material at shop premises

4. Pre-Paid Card Issuance
About BC Agent
Who are BC Agent
BC Agents are any Individual/kirana shop/medical shop/fair price shop/ Cyber Café/ Recharge shop/ Travel agent/ Any moms &pop store
Business done by BC Agent
Domestic Money transfer & Mobile reacharge/ Cyber Café/ Travel tickets/ Kirana store/ Stationary store
Problem Faced by BC Agent
Inadequate working capital, hence not able to increase business
Afraid of undergoing tedious documentation process to get a loan
Takes loan from informal channel at a very high rate of interest
DTH Recharge
Cyber cafe
Travel ticketing
Local Kirana
Bill Payments
Pre-Paid Card Issuance
Stationary
Yes Money Agents
CMS
Domestic Remittance
YES BANK Confidential

5. Our Business अ Providing Short term working capital for MSMEs
W.I.S.H.
Without Human interference
Hyper flexible
Simple
Instant
Transactional Data
Credit
Data
Public Records
Proprietary Data
Social Data
Accounting Data
Hardware
Internet
Literacy अ
All our loans are designed according
to the WISH principle
Pioneering mobile lending in India
Using variables to compute the LK Credit score
Providing Short term working capital for MSMEs
Credit Evaluation using Proprietary Big Data Analytics
Building a Pan India scalable lending platform
Loans disbursed in 163 cities across 25 states since inception in July 2014.

6. Our Process Data collection Filtering Product pitching Documentation
Credit Analysis
Loan Terms proposed
Disbursal

7. Outcome