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New Economy – New Leaders
Focus has moved from delivering services to delivering experiences
New genres of business model
New generation of technologies and customers create new opportunities
1. Fast FashionBringing earlier sophisticated models to new use case and creates new revenue streams.
2. Blue OceansThere are several areas which are not covered by regulations currently opening up huge “land grab” opportunity before regulations can catch up.
3. Distribution ChannelsBy leveraging non-conventional channels to sell experiences, new customers are added to ecosystem while costs reduced for existing.
Fast Fashion
Financial Services – New Structures to make Money
Process flow of bringing new asset classes to market
HNI
Crowd Funding
SPV
Equity
Buy Mortgage
Buy Equity
4 X
Dividends
Capital Gains
Education Loan
Real Estate
On Demand Vehicles
Fast Fashion
ProdigyHelping common people invest in education loans
Market BackgroundStudents in emerging markets find it challenging to raise student loans for higher education like MBA without putting in huge collateral.
InnovationPackage student loans into bonds traded at Irish Stock exchange and sold to private investors online and HNI clients by banks like Credit Suisse, Deutche Bank. Till now over 190M worth loans extended to 6567students.
PayTunes
Monetizing ringtones by substituting them
with ads
Fast Fashion
Benefits to customers:
Creating more value for users – customers can now earn more usage time by enabling PayTunes and receiving ads on their devices
Targeting – advertisers get to relay their ads directly to a selectively targeted audience, a win-win situation for both the user and the producer
Content – advertisers can show richer and more dynamic content to customers via the jingle format
PayTunes
Monetizing ringtones by substituting them
with ads
Fast Fashion
Unilever Radio
Reaching unreachable audiences via traditional
media
Fast Fashion
Market BackgroundHindustan Unilever (HUL) needed an innovative way to reach audiences in rural parts of india, which do not necessarily have access to television and electricity
InnovationHUL worked with its marketing agency to launch a mobile entertainment channel accessible through a toll-free number which offered music, movie news and ads for select produts. Consumers only had to dial the toll-free number to receive content delivered through the mobile networks.
BandPageRedefining how artists
connect with their audiences in the music
industry
Fast Fashion
Market BackgroundThe increasing use of digitization has affected the music industry greatly as audiences everywhere are consuming less of traditional media.
New music platform BandPages is a new monetization and connectivity platform for musicians to connect with audiences over new social media platforms. The platform allows artists to create “customized” fan pages on platforms such as youtube, facebook, Spotify, shazam and twitter.
Blue Ocean
Blue Ocean
MobiqwikCash pickup for wallet
topup & KYC
Market BackgroundEmerging markets face challenge of establishing agent networks, OTC top up networks and convincing customers to undergo KYC to offer financial services.
InnovationOffers customers ability to call a person to pick up cash from their house to top up their wallet, wherein the person is able to undergo banking grade F2F KYC from the comfort of their house.
Blue Ocean
P2P InsuranceLeveraging social
networks to develop insurance
Market BackgroundSome of largest cost for insurance companies is cost of customer acquisition and agent commissions. Group insurance for non-corporate customers is not available as an offering from traditional insurers.
InnovationUsing social networks, fintech companies are able to target these costs and make insurance more affordable. Small group insurances without a central underwriter are not regulated currently and offer huge revenue potential.
Blue Ocean
KonamiCreating new Fintech
revenue in virtual world
Market BackgroundGaming companies have difficulty monetizing their products after the initial launch because the excitement dies down quickly.
InnovationTo create better value from their products, Konami created in-game insurance which people could buy to improve their gaming experience. These credits and in-game insurance will give players an edge over other players.
Distribution Models
Distribution Models
CreditableEmployee Financial
services using employer data
Market BackgroundEmployees spent about 25% of the awake hours with their employers and this provides great opportunity to offer value added services and employee retention.
InnovationCloud based financial tool that enables caring employers to offer financial wellness products to their employees. It also includes personal financial management tool along with loans and savings products which are available otherwise.
Distribution Models
SalariumPayroll system to financial services
Market BackgroundEmerging markets with low banking penetration makes it tough for employers to distribute salary in timely and cost effective way with easy to use interface for company HT
InnovationAllow companies to issue MasterCard debit cards to receive salary in real time, withdraw money from ATM, shop online thereby reducing cost and effort for all players in value chain and expand financial inclusion.
Distribution Models
ZipdialMobile marketing and engagement platform
built around the “Missed Call
Phenomenon”
Market BackgroundMost mobile customers in India carry prepaid cards. People often call someone and then hang up once the line gets through to avoid getting charged.
InnovationZipdial created a business model out of this behavior by giving brands/companies a toll-free number they can dial into. On dialling the toll-free number, the call rings once and disconnects and then the consumer receives an SMS with more information on the marketing campaign.
Distribution Models
ZipdialMobile marketing and engagement platform
built around the “Missed Call
Phenomenon”
Benefits to brands:
Wider reach - providing working toll-free numbers to reach customers who cannot be contacted by any other mediums
Device interdependence – missed-call can be initiated by either a feature phone or smartphone
Targeting – brands/companies can use zipdial’sdatabase to reach audiences with the desired profiles and attributes
JannaUnlocking mobile
airtime for customers in emerging markets
Distribution Models Market Background85% of the world’s mobile customers use pay-as-you go plans to manage their phone bills. This limits the amount of time they have to download and use various apps.
InnovationJana created a native mobile marketplace, where users could download apps. Each app download app earned them free mobile data usage. Jana partnered with over 300 mobile operators to deliver this free mobile data to users.
MobirooApp-store subscription service to get unlimited
mobile apps
Distribution Models
Market BackgroundThere are too many apps in the world and too few consumers with enough spending power. 90% of all apps and content fail to gain traction and reach enough customers in the appstore.
World’s first “all you can” appMobiroo is a an app subscription where users pay a fee every month to get access to unlimited apps and content from any source. The platform also has features to enable app curation, discovery, promotion and distribution.
GigatoBringing mobile data to
the masses through content monetization
Distribution Models
Market BackgroundTelcos cap the amount of data users get to maximize profit. This restricts their usage of mobile networks and the amount of content they can consume.
Unlocking network data for peopleUsers earn mobile data from app downloads and usage. This data usage is paid for by app makers and content publishers. Gigatocharges them for the ability based on either pay-per-use or per installation. The platform promises better engagement because users select their apps carefully to use.
