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A lesson from Visa on customer insight 💰   BNPL (Buy now pay later) is a short-term micro credit model through which users can delay payments for 14-30 days with little to no interest on their online purchases through e-commerce platforms. Some context on this story 🗓 Remember 2020, your every friend / colleague was using a BNPL app (LazyPay, Simpl). Most jumped on the idea of cash-backs and one click checkout. What started as faster checkout soon became a spree of BNPL credit cards & that's where slice card product came into picture. Traditionally credit cards have catered to sophisticated audience - users with a credit history, a CIBIL score, and an appetite to pay back their dues on time. BNPL entered the market hoping they’d go beyond this segment and allow cohorts to enter - students, young professionals, housewives, basically people who lack all three parameters. The movement birthed multiple BNPL players like Simpl, ZestMoney, LazyPay, Flexmoney amongst others in India

Uber Inc., the world's most valuable startup valued at more than $78 billion is heading towards at IOP in May this year.  Started out of a problem experienced by the founders Travis Kalanick and Garret Camp who didn't get a cab one night while heading towards their hotel. This led them to start Uber and disrupt the transportation industry with a simple idea of bringing onboard demand and supply on an app.  Present in more than 600 cities across the globe under the leadership of is founder Travis Kalanick who had to leave Uber in 2016 forced by its board and investors due to series of scandals that himself and the company had faced in various countries.  It took 9 months for Uber to find their leader in Dara Khosrowshahi who built Expedia into a global travel powerhouse. Until then Uber had sold their business in China, SEA, Russia to DiDi, Grab and Yandex due to the stiff competition, sold and became an investor in their business in respective countries.  Under Dara, U

Starting a business has never been easy and the journey itself is very fascinating with a lot of ups and downs. Starting up a business goes through many stages idea generation, the viability of the idea, understanding the market and the target group, developing the product, execution and lastly funding. Funding has been considered as one most of the crucial stages of business because it's the fuel that's required to run your business. Keep in mind, nobody come forward to invest in a business which is just on excel sheets, or on a piece of paper, the business should be up and running and the revenue and business model should be operative. Lately, people realize the sources of funding that could help them start the game. Major sources of funding can be divided into 2 i.e. Equity Financing or Debt Financing. Equity Financing is pledging your ownership in the company ownership with the funder. Debt Financing is that you got to pay the amount over a period of time. Bo