people

Macro Trends that are shaping India

ThiyagaRajan M

@mtrajan

Agenda

• Macro Trends in India1. India Stack – Digital Public Goods2. Mobile First Only3. Consumerization of SMB 4. Global Saas & SMB5. Industries under Disruption (FinTech & Others)6. Indian Startup Ecosystem Fastest Growing

2

people

Fastest to a billion (after Skype, WeChat, Facebook)

One Billion 2 factor based Digital Identity

3

people

Like a DocuSign API by the Govt

eSign API – Digital Authorization, Legalized & Open API Rollout

people

IMPS transactions > Post Office transactions

UPI - Stripe like Payment API

people

GSTn(Goods and Service Tax network) - 6.5 million small business will upload their invoice data online and get real time input credit

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Digital Identity, Authorization, Payment and Taxation create disruption and unlock massive digital economy potential

First Issue

2011 2012 2013 2014 2015 2016 2017

1 billion Aadhaar

2010

Txn Tearoff

API API

PRESENCE-LESS LAYER

Aadhaar Authentication

Unique digital biometric identity with open access of nearly a

Billion users

CONSENT LAYER Open Personal Data Store

Provides a modern privacy data sharing framework

PAPERLESS LAYER Aadhaar e-KYC,E-sign, Digital Locker

Rapidly growing base of paperless systems with

billions of artifacts

CASHLESS LAYER IMPS, AEPS, APB, and UPI

Game changing electronic payment systems and transition

to cashless economy

Friction-free

commerce

Credit PaymentsSavings in

MFsHealthcare

SkillsEducatio

n

I N D

I A

S

T A

C K

Land records

Presence-less, paperless, cashless Service Delivery for a Billion people!

Creation of “India Stack” – Digital Public Goods#1

people

500 million smartphones with mobile internet by 2020India is a mobile first country

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#2

people

Flipkart & other network effect platform driving SMB software adoption

Consumerization of the Small Business and Enterprise

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shaping #3

SaaS creating Global whitespace & flattening world for Indian entrepreneurs

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$0.6 trillion opportunity

#4

people

In Telecom, FinTech & Retail markets and few moreIndustries are undergoing disruption

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#5

people

In FinTech for instance Unbundling of Bank

people

KYC, Payments & Loans – bank core competency erodingMobile wallets > SBI accounts

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6 Years Later on PlayStoreAs recent as 2010

Customer Service is now Self-Service

Even Distribution & Customer Service have taken new Avatars

Indian Startups - 3rd Largest Startup Ecosystem in the world Fastest Growing

15^As of 1st April 2015

12,340 startups ^. 270% growth – 6 years.

Angel/seed investment at $50 million

VC Investment increased 7X in last 6 years. Total funding in 10 yrs > $50 billion

3X increase last year

5 Unicorn

#6

people

Opportunities that this creates ?

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people

For anyone from India

Consumer Small Business Enterprise

India Exploded Inflection around the corner Just germinating

Global Cultural Context a barrier to leverage Exploding Accessible and

addressed

CREDIT

Data about Indian ecosystem and few key insights are credit of iSPIRT.in – Indian Software Product Industry Think Tank

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THANK YOU

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