| | April 20184CIOReviewOffice Editorial queries editor@cioreviewindia.comAdvertising queriessales@cioreviewindia.comBangaloreTel 080 46441103NoidaTel 120 4639300 To subscribeVisit www.cioreviewindia.com/magazine-in or send email to: subscription@cioreviewindia.comCover price is Rs 150 per issueAshok KumarVirupakshi PattarSales & MarketingAmrit SinghIndranil ChakrabortyRohit RaghubanshiRavi KalgiCIOReviewGroup Art DirectorVP - Sales & MarketingMagendran PerumalCirculation ManagerEditorial TeamChitra MishraArchee RoySuchita Gonsalves Vinisha PaivaAnitha TLakshmi GCIOReview No. 124, 2nd Floor, Surya Chambers, Old Airport Road, Murugheshpalya, Bangalore-560017CIOReviewVOL 6 · ISSUE 4-6 · ARPIL, 18 - 2018Vimalraj MSuanyaVisualizersPrinted and published by Alok Chaturvedi on Behalf of Bizprint Media Technologies Pvt Ltd and Printed at Precision Fototype Services at Sri Sabari Shopping Complex, 24 Residency Road Bangalore-560025 and Published at No. 124, 2nd Floor, Surya Chambers, Old Airport Road, Murugeshpalya, Bangalore-560017.Copyright © 2018 Bizprint Media Technologies Pvt Ltd, All rights reserved. Re-production in whole or part of any text, photography or illustrations without written permission from the publisher is prohibited. The publisher assumes no responsibility for unsolicited manuscripts, photographs or illustrations. Views and opinions expressed in this publication are not necessarily those of the magazine and accordingly, no liability is assumed by the publisher.EditorialEditorialIndia's formal banking system may be over 200 years old, but it is still unable to service the marginalized sections of society. At the other end of the spectrum lies a regulatory vacuum for emerging technologies such as cryptocurrencies. Let's give due credit to a majority of startups who chose to venture into the financial-technology void and bridge that gap and create innovative solutions that serve a wider customer base more efficiently and at a lower cost. Further, with the FinTech sector finding its way into the budget speech for 2017, we hope to see more clarity with respect to regulations in the near future. Overall, India offers the highest expected return on investment on FinTech projects at 29 percent versus a global average of 20 percent. As of today, India has everything that it needs in order to establish itself as a global FinTech hub. With a large market of unserved customers, increasing mobile penetration, favorable demographics, an active start-up ecosystem and a large technology talent pool, India has a potent opportunity that is waiting to be seized in the FinTech space. YES BANK has launched a unique initiative, The India Fintech Opportunities Review, which attempts to understand the country's fintech landscape and seek views from startups and experts on building a roadmap for creating an enabling fintech ecosystem. The survey aims to unearth hard data and insights from the fintech community itself and provide recommendations to the Government, regulators and corporates for creating an enabling policy and infrastructure for these startups. Besides, the fast-paced digitization has unlocked fresher avenues for fintech players, especially the ones associated with SME-based lending. With the increased digital adoption by business owing to demonetization and the rollout of GST, both of which have exponentially increased the business-centric data, 2018 will be the year of action for SME lending-based fintech players. Policy support towards small business lending will ensure greater capital flows to alternate lending platforms. This will be match. In this edition of CIOReview India, our cover feature- KapitalTech has set sail on this voyage to simplify how risks are analysed and loans disbursed. There are several other similar startups operating in the Fintech domain which we have classified as the top 20 most promising Fintech startups. I hope these startups are well placed and equipped with an idea to simplify your financials. Let us know what you think. Emmanuel Christi DasAsst. Managing Editoremmanuel@cioreviewindia.com.Startups to Change the Face of Financials PublisherEditorAsst. Managing EditorAlok ChaturvediSudhakar SinghEmmanuel Christi Das
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