Genius Incubator presents

Fintech Storm India Summit 12 & 13 May 2016 St. Regis, Lower Parel, Mumbai, India

Greetings from the Chair

We are witnessing myriad structural changes in the banking and financial services industry that are sweeping across the world. Starting from the 2008 bank freeze and collapse of gigantic institutions triggered by credit and liquidity crisis leading to the current Greece crisis still reeling under the cascading effects, near zero interest rates in the US and Europe, the rise of disruptive online peer-to-peer platforms to uproot the established order, and the Fintech revolution in London - the changes compel us to view the financial services industry afresh and take stock of the future. Banking oligopolies are reinvesting profits into new technologies to respond to the provocations of the Fintech Storm. Since times immemorial, India has been a rich cauldron of knowledge and resources - to give the world rich inventions such as mathematics, and put satellites on Mars. India is a crucible of diversity that grooms its leaders through exposure to challenges of meeting the hopes and aspirations of pluralistic millions with different cultures, incomes, languages and talents. India's excellence in the pharma, IT and healthcare industries have put it on the global map. Its transportation, energy and food challenges are driving innovations such as lithium ion batteries, bio diesel, organically derived fertilizers. Indian leaders go on to head Fortune 100 companies, global MNCs, banks and most innovative tech companies such as Google - thanks to the world class education, and the exceptional management training provided by the IITs, IIMs, institutes of higher learning and the industry. India is not only the fastest growing economy of the world and a huge market for goods, services and bold ideas , but also a sophisticated repertoire of talent, intellectual property, soft resources and research. India has emerged as the economy that ticks a rare and unique combination of features that will catapult it to super power status by 2050. Mega markets Cost efficiency platforms Innovation platforms Launch pads for new global competitors Demographic Dividend Ambitious adventurers or "young entrepreneurs" She has it all! Any company that has global ambitions will ignore her at its own peril. This is India's moment under the sun to shine for all her unique strengths. The spirit of entrepreneurship; the optimism creed; innovation necessitated by varied needs of a heterogeneous demographic; avant-garde research led by its world class scholars, combined with the brilliance of its people - largely youth. India is a torchbearer along with China in the race of emerging economies to dominate global economic landscape. By 2050 China, India, USA and EU will be the four economic blocks sharing global GDP. It is our destiny to be the super power! Startup India hosted by Department of Indian Policy & Promotion on 16th Jan 2016 in Delhi left an indelible impact on our young entrepreneurs, in whose capable hands lies the remote to India's inevitable ascent to a Global Tiger.

Make in India launched by the PM recently in Mumbai garnered investment pledges of $222 billion, with Oracle announcing $400mn for setting up of 9 business incubation centers in India. The well-developed banking and financial services ecosystem and the mature consumer profile in India has spawned innovators in payments, peer to peer funding, microfinance - albeit many of them still in nascent stages. India is now busy creating the broadband infrastructure to reach the remotest citizen. We have proactively solved even the Digital Identity problem with Aadhar & UID projects and are ready to welcome offshore innovation. The potential market is significant and may out-shadow many well developed western countries and warrants the attention of global new age Digital Banking & Payments, Financial technology firms. India's social entrepreneurs are leading the way in leveraging business solutions to solve world's problems. Even the giant philanthropists cannot effect an impact of magnitude they prefer, unless they make India their base. Understandably, aspirant Zuckerberg was visibly peeved when India spurned it's free basics in the gift wrapping of access to Internet for the poor masses. No thank you Mark! We will not accept a hand out that will reign in our aggressive streak to compete and win in the global race. We would prefer the slow and steady rise to our competitive best. We want our youth to feel the confidence to aim for the stars. Not the stifling patronization. Our inspired youth will help us outpace China's 12 year lead in economic reforms with our unassailable lead in youthful energy. Thank you procreators! Today India's average age is 24 vs China's 33. Our demographic dividend will multiply without needing any help of aphrodisiacs! Whilst India is adaptive and able to apply offshore technology to its unique problems and new uses, many financial sector inventions such as the Blockchain still beg to be adopted by Indian banks and entrepreneurs - to unleash the technology's disruptive potential and its true magnitude of impact. We need a QUANTUM LEAP! Fintech Storm chips in! London has established itself as the Global Fintech Capital with the most active investors, accelerators, innovation labs, incubators and a record number of disruptive startups based in London. Fintech Storm Series is one of the key eco system builders in UK, having evangelized Fintech and its every vertical over the past year by featuring the hottest startups every month. We at Fintech Storm have embarked on this ambitious mission of catalyzing innovation in sectors such as Banking, Payments and financial services in India - but every epic journey has to start with one small step! We took that step last December in Delhi with the gracious support of Shri Nitin Gadkari Ji, the star performer of our Government who addressed our inaugural Europe-India Conclave. Gadkari Ji is a rare example of a mass leader who is also a beacon of socio economic reform. He has shown us the way with his dynamism, his indefatigable energy, his political will to effect bold policy changes, his keen adventurer spirit to delve into India's problems and his resourcefulness to invent out-of-the box solutions. India is open to business and keen to meet the best and brightest. Steve Jobs, the messiah of technology no less, has attributed his success to serendipitous meetings at the unexpected fringes of our traditional networks. So Fintech Storm Series brings together some of the brightest minds in the hope of setting off some sparks! We will make sure there are serendipitous meetings that will put many on the slope perhaps to their inflection points.

At Startup Swayamvar, some will discover hidden gems of startups. Some will meet those with the purses to catapult them to success. Some will simply take that leap of faith into the deep seas of adventurism. Like when Kunal Bahl met Ratan Tata! Some will be inspired by technologists while some will simply relish a feast for the mind and senses in exquisite company! We invite you to Indian hospitality this winter in Mumbai. The dream capital for millions of Indians, and perhaps foreigners in the years to come. Welcome to Mumbai - the superstar factory! You don't visit Mumbai and leave, the same person. Mumbai brings out the superstar in you! So superstars, come enjoy this electrifying meet and a sumptuous Dinner Gala! Fintech Storm India Summit 12-13 May 2016 India Financial Forum - Innovation & Disruption in the Banking & Financial Services Sector 12 May 2016, 9am to 6pm Gala Dinner: 7:00pm to 11:30pm India Funding Conclave - Startups & SMEs meet Investors, VC firms, Banks & Online financing marketplaces 13 May 2016, 9am to 6pm Hotel St Regis, Mumbai, India Come join the Fintech revolution!

Arifa Khan,

Managing Director,

Genius Incubator

Event Agenda – Day 1

Time Session

08:30 – 09:15 Breakfast Roundtable 1 09:15 – 10:00 Breakfast Roundtable 2 09:00 – 10:00 Conference registration and coffee 10:15 – 10:30 Conference inauguration

- Address by Conference Chair: 10:15 – 10:25 - Lamp Lighting: 10:25

10:30 – 11:00 Conference Keynote, including curated questions 11:00 – 11:45 Session 1 The Evolving Payments Landscape 11:45 – 12:30 Session 2 Online Lending, Alternative Finance, Peer to Peer Funding Marketplaces 12:30 – 12:45 Coffee Break 12:45 – 13:30 Session 3 Financial Inclusion, Microfinance, Offering Services to Rural India

13:30 – 14:00 Session 4 The Regulatory Landscape – What Lies Ahead

14:00 – 14:45 Lunch & Networking 14:45 – 15:15 Session 5 Vision 2025 for Financial Services

15:15 – 15:45 Session 6 Futuristic Banking – Robotic Advisors, Artificial Intelligence, Machine Learning Applied to Financial Services

15:45 – 16:15 Session 7 Marketplaces and 2 Sides Platforms and How they Succeed 16:15 – 16:30 Coffee Break 16:30 – 17:00 Session 8 Open Bank APIs – The Divide Between Indian Banks & the Digital Bank for

the Millennial and How to Bridge the Gap 17:00 – 17:30 Session 9 Uberisation of Banking/Banking as a Platform 17:30 – 18:00 Session 10 Cybersecurity 18:00 – 18:30 Session 11 Shared Economy- Digital Ecosystems

Event Agenda – Day 2

Track 1 Workshop on Smart Contracts – Distributed Ledgers

Track 2 Innovators and Disruptors – Technologies of the Future

Track 3 Investor Workshops – What Every Start Up Must Know About Fundraising at Every Stage – From Seed to IPO

Track 4 Learning from Global Success Stories

Track 5 Start Up Pitches – One Stop Shop Funding

Track 6 Corporate Finance for SMEs

Day-2 Investors Meet Entrepreneurs

Day 2 of the event on 13th May 2016 will begin with several insightful workshops target towards young businesses. It will then be followed by fundraising events for Start-Ups and SMEs.

“Start Up Pitches – One Stop Shop Funding” event on will showcase select early stage and growth stage venture opportunities to global investors and HNWIs. This is an opportunity for promising Indian entrepreneurs to showcase their genius ideas and pitch their brilliant teams to global investors. The forum will be attended by a select group of international and domestic angel investors and venture capitalists for investment ready companies to obtain funding and valuable feedback from serious investors.

Entrepreneurs will present pre-screened investment opportunities to angel investors, VCs and H N WIs in an exclusive private setting. These young start-ups will be seeking to raise capital to the tune of 1- 5 crores (100K to 500 K GBP). For international investors looking to meet the best early and growth stage entrepreneurs in India, and to familiarize with the investing environment in India, this is the perfect platform for you to directly interact face to face with creme-de-la-creme entrepreneurs and other investors! Some of the investors who have confirmed their attendance at the event include Vishal Mehta, Lok Capital; Sahil Kini, Aspada Investments; Rajat Agrawal, Matrix Partners; Arun Diaz, Aavishkaar; Subhrangshu Neogi, Religare; Saurabh Srivastava, Indian Angel Network.

The fundraising event will offer a day for entrepreneurs to get to know high quality investors in an exclusive and private setting.

We will be selecting entrepreneurs based on the following criteria:

x Start-ups operating in AdTech, Edtech, FinTech, Healthcare, Sharing Economy, Mobile x With proven business models x Go to market strategy x Ability to scale quickly x Team with the drive and passion for superior growth x Corporate governance to manage an international investor base x Seeking investment (100K GBP) 1 crore and above x Growth stage companies with turnover looking to expand rapidly within and outside India

We invite you to participate in this unique nation building initiative and take off with your ideas. We will provide the contacts, mentoring and advice. If you think you have got what it takes to make the cut, please send us a business plan by 5th May 2016 to be considered for an invitation to participate.

Next ‘SME- Corporate finance’ event will be for focused SMEs looking for corporate finance: debt funding, invoice financing etc. Wide spectrum of finance houses and NBFCs will be participating to attract companies seeking corporate finance. Some of the big finance houses participating include Religare, India Bulls, Yes Bank, Kotak Mahindra Bank, IDFC, and Aditya Birla.

Sponsorship Packages INTRODUCTION It is our pleasure to invite you to be a sponsor for the Fintech Storm India Summit. The Fintech Storm series has enjoyed as the only non-conflicted, impartial and objective ecosystem builder of fintech in the United Kingdom. The 2 day summit will bring together 500 CEOs, decision makers and innovators from Banking, Financial Services, Fintech ecosystem and investor community, the regulator RBI, and the policy makers from Govt. of India such as DIPP. Details about Fintech Storm: Fintech Storm Series is a successful brand in London to facilitate cutting edge dialog on innovation and disruption featuring the most exciting digital banking and Fintech firms month after month. We have featured over 100 European companies so far such as Holvi, Zapp, Boku, Sagepay, Izettle, Powa Technologies, Blockchain, Fidor Bank, Kantox etc. Previously, we successfully hosted the Europe-India Conclave - Future of Banking, Payments & Technology at Hotel Taj Mahal New Delhi on 17th Dec 2015, with honourable Union Cabinet Minister Shri Nitin Gadkari as our chief guest. http://fintechstorm.com/europe-india Through Fintech Storm India Summit, we aim to create high quality debate and networking opportunities for the new age financial services ecosystem such as Founders of fintech startups, investors, accelerators, innovators, evangelists, futurists, incumbent big banks and financial institutions with an eye on innovation. This is our tribute to our great dynamic nation. Let's make it a spectacle of national pride! We invite you to be associated with Fintech Storm as a Title Partner, Country Partner, Fintech Partner, Partner (Knowledge, Legal, Networking) or Sponsor ( Platinum, Gold, Silver). We would also welcome sponsorship proposals. KEY STATS

- 15 events in last 1 year - 2 cities - London & Mumbai - 2000+ participants - Over 60 companies presented

ATTENDEES’ PROFILES

- Banks, Financial Technology Companies, Startups, Venture Capital and Angel investors, Corporates, Professional Services companies, Government Organisations / Departments

- 25-55 years old - 70% male / 30% female

WHAT MOTIVATES THE PARTICIPANTS

- Listening to top quality and engaging speakers - Highly interactive sessions with panels and participant Q&As - Networking with the hottest disruptive companies - Learning about new and exciting markets - Meeting potential investors, advisors, partners and customers

WHAT’S IN IT FOR THE SPONSOR?

- Position you as an authority in digital banking and payments and give your credibility a significant boost

- A platform to educate your target audience on your product or to showcase your preeminence in your domain

- Afford your company better visibility and exposure - Facilitate building of relationships with decision makers in Banking & Payments, entrepreneurs in

the ecosystem - give you exposure in social media - Build interest in the Investor and VC community about featured companies and sponsors - Fintech Storm Hot List Awards to create huge buzz in social media as the authoritative list of most

promising fintech startups in India to watch for - Logo displayed on our event website as an exclusive event sponsor

Panel Description

Panel 1: Blockchain for Emerging Markets – the Hurdles, Opportunities and Emerging Winners

Banks may increasingly evolve into giant technology companies which own relationships with the end consumer. Blockchain technology may herald an era of disintermediation spawning a much fragmented banking industry where economies of scale no longer apply and any firm or individual can offer services such as trading, settlement or remittances without having to set aside huge capital reserves. Altogether new financial services may emerge such as social insurance provided by a group of individuals to one another. The phenomenal growth of the internet has led to an even more explosive growth in cards and consumer payments. And perhaps for the first time now, the bitcoin and Blockchain paradigm is going to disrupt the payments infrastructure of issuers, acquirers, and processors. We will examine the competitive landscape and emerging trends, gaps in the opportunity continuum, any courting candidates, and potential marriages foretold in the sector.

Panel 2: The Evolving Payments Landscape - What does the future hold?

Payments sector is one of the most advanced and evolved in India with a plethora of players in every category - banks offering apps for bill payments, peer to peer payments, instant payments, pre-paid wallets, payment gateways, new payment bank license awardees by RBI. The cards and payments industry has always been in a state of evolution through innovation. No other part of the financial services industry has seen so much action in the last forty years. The technology platforms on which the cards industry is based have also evolved at a breakneck pace.

Panel 3: Online Lending and Peer-to-Peer Funding Marketplaces

P2P lenders promote effective competition in the interests of consumers and robustness of the financial system by adding to its diversity where banks have been alleged to be oligopolies with no consumer interest at their heart. The Trust advantage that the banks enjoyed historically, that made it very hard for non-bank new entrants such as Zopa or Lending Club, to challenge the market positions of the large incumbents, is now eroding. Alibaba's Yue Bao money market fund in China which garnered $87 billion in a few months’ time since its first launch is an example of retail financial services gaining an upper hand over traditional financial institutions. Where they lack in capital adequacy and consumer trust vis-a-vis banks, P2P lenders are making up with their growing reputations for customer service and superior customer value proposition (such as low interest or higher yield). Google purchased a 7 per cent stake for $125m in May 2013 in Lending Club. In December 2013 Lending Club originated over $250m in loans on its platform. Over 50 per cent of these loans were subscribed to by institutional investors, adding further credence to the sustainability of the p2p business model. In this track, we will examine the vast potential of this new emerging vertical in India, the new entrants, the opportunities, challenges and regulatory outlook.

Panel 4: Financial Inclusion, Microfinance, Offering Services to Rural India

Some market problems are specific to India: Huge unbanked population but with a large mobile penetration offers huge opportunities in mobile banking and payments. Rural India with a growing middle class of increasing disposable incomes, growing penetration of telecommunications network, availability of wifi, and increasing awareness of whatsapp, facebook etc and improving connectivity with highways etc may unravel a new class of customer with needs such as short term loans on mobiles, automated investment advice over a missed call etc. This track will examine some social impact enterprises and their innovative business models that are turning a new chapter in developmental economics, and putting the rural population on a faster climb to financial independence.

Panel 5: The Regulatory Landscape – What lies ahead?

Financial and banking sector in India has been opening slowly but substantially with RBI prescribing policy changes under evolving market needs and changing world economy. Between 1990-2008, Govt. of India experimented with new models to improve financial access. Regulatory landscape will play a pivotal role in the success rate and adoption of innovative financial inclusion models.

Mobile banking is one such example that has shown lot of promise in other emerging countries to improve financial inclusion. However, mobile banking currently remains confined to middle class and upper class in India. Given a huge mobile subscriber base (approx.860 million) the use of mobile-wallets can be a significant step towards financial inclusion.

Similarly, there are other emerging concepts such as bitcoin cryptocurrencies, robo-advisory and p2p platforms which aim to democratize finances. These new ideas will require significant support from regulations to be successful, a case in point being UK, where regulatory have been quite open towards experimentation. In fact the relaxation of regulations has played a major role in making London the Fintech capital of the world.

This track would help initiate a dialogue on existing restrictions from RBI and set of regulations that will be required to create a conducive environment for proliferation of the novel fintech concepts.

Panel 6: Vision 2025 for Financial Services

Financial services in 2025 may no longer be a precinct of the big banks. If the overtaking of our digital world by Apple and Google is anything to go by, the millennials may eschew traditional banks and even bank accounts for services by the modern digital czars who own our valuable data such as Facebook, Amazon, Paypal, Twitter or an yet to emerge winner in the Mobile Wallet wars. ATMs may transform into a futuristic branch substitute with Panel display for video conferencing, application interface for loans and mortgages, refilling travel cards, cashing vouchers etc. There may emerge a single global leader in identity verification and storage of valuable personal data. This track will let the imagination run wild and take a flight in a time capsule to a distant era to catch a glimpse, whether we will still be using plastic cards, human advisers, foreign exchange brokers etc.

Panel 7: Innovators & Disrupters - Frugal Innovation

Innovation responds to limitations in resources, whether financial, material or institutional, and turns these constraints into an advantage. Through minimizing the use of resources in development, production and delivery, or by leveraging them in new ways, frugal innovation results in dramatically lower–cost products and services. Successful frugal innovations are not only lower in cost, but outperform the alternative, and can be made available at large scale. Often, but not always, frugal innovations have an explicitly social mission. India is the mother of frugal innovation. Indian early stage landscape is a playground for lean startups - whereby MVPs can be developed at low cost, tested, scaled and adapted to other markets. So India offers a choice of cheap investments with potential to succeed big and go global. Commonality between market conditions in India and Africa, Latin America, East Asia has led to India's emergence as a hotbed of emerging markets innovation, which investors can take elsewhere - high growth economies with relatively large mid-low income population, cost-conscious clients, and sizeable govt. intervention. Many sectors in India still under-served, under-penetrated and undisrupted by the product, process and market innovations of the west In this track, we will explore the innovation and disruption in financial services and whether Indian ventures are taking advantage of the potential, and what more can be done.

Panel 8: Shared Economy – Digital Ecosystems

The concept of sharing is as old as mankind, while sharing economy and collaborative consumption are phenomena born out of the digital age. Today the digital- sharing economy presents myriad of opportunities for improving efficiencies, enhancing social interactions, and access to resources otherwise difficult. New technologies of peer-to-peer economic activity are potentially powerful tools for building a social movement centered on genuine practices of sharing and cooperation in the production and consumption of goods and services. But achieving that potential will require democratizing the ownership and governance of the platforms. The implications of the so-called “sharing economy” have been hotly debated in the news media, and the research world is now beginning to weigh in with deeper analysis. In this track we would try and demystify the opportunities and challenges of ‘digital-sharing economy’ in the context of emerging and fast growing markets such as India.

Contact Us Please contact the following representatives for sponsorship and speaking opportunities. Please visit http://www.fintechstormindia.com to learn more about us. London Contact: Arifa Khan Managing Director Genius Incubator Ltd Free Trade Wharf, Suite 51 340 The Highway London, E1W3ES Arifa.Khan@geniusincubator.com Mob: +44 - 7920030807

Kapil Daga Conference Coordinator kapil.daga@gmail.com Mob: +44 - 7724564385, +91 - 8447507775