2
Agenda
Supply Chain Finance Solution
We provide short term liquidity to small business in small towns with an omni channel
approach – fin-tech platform support by distribution network
3
• To Emerge as a Strong Fintech Platform in sync with Government of India digital Initiatives and
Regulators Financial Incubator objectives.
• Seamless Integration across platform for Matured Credit Scoring and Social Verification based on
non-traditional data
• Habit forming Intuitive UI, UX and Workflow to make the borrower ‘GO DIGITAL ’ and
encourage the Borrower to take digital payments from his customers
• Real Time approvals and payment transfers by Technology Driven Automated Processes
• Connecting Borrowers and 3
rd
party lenders with Cutting Edge Technology as a core on a Trusted
and Secured Platform
• Reduce Operational Cost by enabling Technology driven processed for Customer Acquisition
Underwriting , Origination and Servicing.
Take first mover advantage in small towns by encouraging small business to adopt technology
with habit forming UX
Technology Objective
4
Agenda
The Tech Model
5
Agenda
Mile stones
8 Nov
2016
Eureka Moment
Jan
to
Mar
2017
Business modeling &
demand assessment
Incorporation
of XTRACAP
FINTECH INDIA
PVT LTD
25
May
2017
July
2017
Aug
2017
Nov
2017
Term sheet for
seed
funding signed
with 3 investors
Started Technology
development
Company funded for US $
525,000.00
Launched
www.bridge2capital.com
Dec
2017
POC launched
Habit forming UI
• Implement
Feedback
Improvement
• Localization by
Multilingual System
• Real Time Aadhar
Verification
• E-Sign Verification
• Aadhar Secured
Encrypted Database
• Geo location based
tracking
• Social Parameters
• CIBIL Scoring
• Data Driven
Dashboards
Reporting
6
Introduction to Technology Road Map
• Habit Forming UI
• Implement
Feedback
Improvement
• Risk Rule Engine
• Third Party
Interface
Transaction
History
EWay Bill
GST
Credit scoring
Merchant Payment
Automation
• UPI
• AEPS
• Habit forming UI
• Implement
Feedback
Improvement
• Machine Learning
• Big Data
• Mobile App
Enhancement
Voice Based
command
search
• Easy Accessible to
Rural India
• Highly Secured
Architecture
• Encryption
Password
Pan Card
• Agile Process
• CIBIL Scoring
• End to End
Transaction
Security
• Better Customer
Engagement by
Mobile Apps
• NACH Pull
POC
Phase
1
Phase
2
Phase
3
0 – 4 Months
4 – 12 Months
12 - 18 Months
18 – 24 Months
24 Months……
Technology
Enhancement
Block Chain
• Bill collection
• Ledger Maintainace
• Credit Rating
• Social Inputs
Leveraging Authentic
Institutional
BLOCKCHAIN
7
Agenda
Web
Mobile
Web
Mobile
Web &
Mobile
DATA
Architecture Model
8
Web
Mobile
DATA
Technologies
Technologies
Start
Entrepreneur
Selected
Shopkeeper Sign
Up
Fill-in Required
Information
Upload Relevant
Documents
Are
Details
Compl
ete
Does
Borrowe
r has
Aadhar
Risk /Credit Rating as
per Criteria
Ops Team Validates and
request for Field
Verification
All Req.
Doc
Uploade
d
Entrepreneur Notified
for Field Verification
Field Team verifies with
Entrepreneur of
Shopkeeper premises
Details
as per
required
Notify to Shopkeeper &
Supplier
Approved Credit
Limit & ROI
Agreement signed
btw parties
Shopkeeper Adds
Supplier
Is Supplier
already n
Master list
Link sent to Sup to fill
in req info
Add to Supplier Master
Notify
Shopkeeper
Details
as per
require
d
Notify Supplier &
Shopkeeper
Bridge2Capital Team
Validates and Approves
Sup fill in req info
Y
N
Y
Shopkeeper Req. Finance
upload Order
Y
Shopkeeper Req. Finance
upload Order
Bridge2Capital Team
Verifies & Validates
Amount Disbursed to
Supplier Bank A/c Directly
Notify EnterP,
Shopkpr,Mgmt
Notify to Shopkeeper &
Repayment of
Disbursement starts
Has the
Daily
Amt
Repaid
Has the
Daily
Amt
Repaid
Has the
Daily
Amt
Repaid
Notify EnterPre,
Shopkpr,Mgmt
Shopkpr@D
efaulter
Y
Finance Request stopped
Credit Limit Blocked
Credit Limit Blocked
Penalty executed
Defaulter
Recovery
Model
Mail Shopkpr to
Complete details
N
Y
Operational Workflow
1
0
Agenda
Web
Mobile
Web
Mobile
Web &
Mobile
DATA
tab www.bridge2capital.com
Shopkeeper Registration
Apply
1
1
Agenda
Web
Mobile
Web
Mobile
Web &
Mobile
DATA
Shopkeeper Dash Board
1
2
Agenda
Web
Mobile
Web
Mobile
Web &
Mobile
DATA
Summary for the Shopkeeper
1
3
Agenda
Web
Mobile
Web
Mobile
Web &
Mobile
DATA
Local Partner Dash Board
1
4
Agenda
Web
Mobile
Web
Mobile
Web &
Mobile
DATA
Shopkeeper Management Workflow
1
5
Agenda
Web
Mobile
Web
Mobile
Web &
Mobile
DATA
Approval of Shopkeeper Portfolio & Loan Request
1
6
Agenda
Web
Mobile
Web
Mobile
Web &
Mobile
DATA
Disbursal & Collection Management
1
7
Agenda
Web
Mobile
Web
Mobile
Web &
Mobile
DATA
Invoice Upload – Mobile App
1
8
Agenda
Web
Mobile
Web
Mobile
Web &
Mobile
DATA
Invoice Upload – Mobile App
Login Screen
Verification By OTP Driven
process
1
9
Agenda
Web
Mobile
Web
Mobile
Web &
Mobile
DATA
Invoice Upload – Mobile App
Create Personal Passcode for
added security
2
0
Agenda
Web
Mobile
Web
Mobile
Web &
Mobile
DATA
Invoice Upload – Mobile App
Approved
Supplier List @ go
Request Credit at just a click
against approved supplier
2
1
Agenda
Web
Mobile
Web &
Mobile
DATA
Upload Order Screen
Invoice Upload – Mobile App
2
2
Agenda
Web
Mobile
Web
Mobile
Web &
Mobile
DATA
Invoice Upload – Mobile App
Upload Invoice
2
3
Agenda
Web
Mobile
Web
Mobile
Web &
Mobile
DATA
Invoice Upload – Mobile App
Confirming Transaction by
re-entering the Personal
Passcode
2
4
Agenda
Proof of Concept – Alwar, Rajasthan
We have visited 500 retail outlets and explained our business model of
working capital/invoice financing, 90 % of the shop owners liked the
idea and wanted to avail the facility either immediately or in due
course of time. 80 shopkeepers have been shortlisted for the launch and
will be on- boarded on to the Bridge2Capital platform
Type of Outlet
%
Apparels
10
Electrical Appliances
10
Footwear
17
Hardware
10
Grocery
30
Mobile Phone Store
10
Pharmacy
13
Mix of the shopkeepers
Average Credit Limit
Most of the shopkeepers wanted credit limit of Rs 1-3 Lacs and a term of 30 – 45 days.
Average Bill Size
Rs 5000/- to 20,000/- to be financed
Feedback from Suppliers
We collected the list of suppliers from the shortlisted shopkeepers and visited them
to explain the concept. 90 % of the suppliers have agreed and are willing to partner
with us. They feel this would help both the shopkeepers and the suppliers to manage
the cash flow effectively.
