Anil Gupta


Anil Gupta is a Partner at MSC and heads the Digital Financial Services—Payments and Distribution domain.

Anil is a hands-on development banker and technology manager with over two decades of experience. He has worked on projects with development banks, commercial banks, international funding agencies, MFIs, community-based institutions, rural infrastructure projects, and major telecommunication players in India, China, and USA. His areas of expertise include management of large and complex projects, program design and evaluation, microfinance, agriculture, and non-farm sector finance, infrastructure finance, financial sector development, and payments systems—especially mobile wallets. Anil holds a Master’s degree in Management and Technology with a specialization in Strategy and Finance from various leading institutions like IIM-Bangalore and IIT- Kharagpur. He is fluent in English and Hindi.

Posts by Anil Gupta

Are we over-selling start-ups as a career option?

Every startup success story shows up alongside 10 failures; still, entrepreneurship is an attractive career proposition for our youth. In more than 90% of cases, the founders would fail to repay these loans, leaving meaningful relationships with their trusted ones fractured and damaged. Is this a price worth paying? This blog discusses an unfashionable perspective on starting up and shares our experience accelerating startups in Asia while orienting them toward success.

Kosh: A community-based credit platform that offers financial security to blue-collar workers

Kosh is a digital lending platform that provides access to formal credit to low- and middle-income (LMI) segments in India. It works on a joint liability model that relies on group leaders and members who avail credit through the platform. This blog explores the journey of Kosh and the positive impact it hopes to create on LMI segments.

Entitled: A synonym for empowerment of blue-collar workers through customized financial services

Entitled is a startup that works to build a one-stop platform for the financial needs of blue-collar employees in India. With an engine that recommends the right financial product starting from credit and insurance to savings, Entitled handholds customers to achieve their financial goals. The company’s efforts have resulted in a positive impact on its early customers. Read its success story here.

Addressing three key issues of BC agents in India for COVID-like challenges

The network of business correspondents (BCs) has evolved into the backbone of financial inclusion in rural India. However, it continues to face challenges, which were further aggravated during the COVID-19 pandemic. This blog highlights three key issues that hinder the sustainability of the BC model.

Analysis of India’s payment system indicators in Q3 2020

As the COVID-19 pandemic rages on, digital pathways offer a hopeful sign in the country’s payments landscape. This second edition of MSC’s analysis covers select payments system indicators in India during Q3 2020—with some surprising results.

The rise of new-age BCNMs: Transformation of agent networks in India

The business correspondent landscape in India has seen the rise of new-age BCNMs. This paper highlights the strategies of new-age BCNMs that can be used in other markets around the world.

Analysis of India’s payment system indicators in Q2 2020

The COVID-19 pandemic pushed many users to adopt digital payments as they seek convenience and safety. MSC’s analysis of five categories of payment systems indicators in India indicates that these systems are dependable, durable, and command the mass market’s confidence.

COVID-19: A harbinger of consumer behavior shifts among FinTech users

The blog analyzes the impact of the COVID-19 on two major categories of FinTechs—credit and savings FinTechs. We analyze the immediate impact of the pandemic and the ensuing regulatory changes on FinTechs along with some long-term changes in consumer behavior that can have a systemic adverse impact. We close by recommending data-driven measures that credit and savings FinTechs should take today to control and arrest such adverse changes in consumer behavior.