Senior Manager
Raunak is a Senior Manager in MSC’s Indonesia Country Program Development Domain. He is responsible for co-creating and implementing technology-enabled financial inclusion projects for public and private sector in developing economies.
Cash-in and cash-out (CICO) agent use cases: Opportunities for diversification
CICO agents in developing countries, including India, Kenya, Bangladesh, and Indonesia, face a slew of sustainability challenges. These include competition, low margins, reduced commissions, and user-initiated DFS transactions. MSC proposes a dynamic use case mix for agent sustainability that uses a seven-factor analysis to curate diverse and dynamic use cases.
Aug 2, 2023
Surbhi Sood, Nikhita Jindal, Mandira Sharma, Raunak Kapoor and Anik Muntasir Chowdhury
Aug 2, 2023
Surbhi Sood, Nikhita Jindal, Mandira Sharma, Raunak Kapoor and Anik Muntasir Chowdhury
Lending to cash-in cash-out (CICO) agents: An untapped frontier in micro-enterprise lending
Lending to cash-in cash-out (CICO) agents in developing countries remains a vastly underserved market despite its investment potential. This report focuses on the agent lending landscape in nine diverse low- and middle-income (LMIC) countries that represent mature and evolving markets to provide insights into the larger global opportunity.
Nov 1, 2022
Akhand Tiwari, Anup Singh, Raunak Kapoor, Edward Obiko, Gregory Emeka Ilukwe, Manoj Nayak and Zeeshan Ali
Nov 1, 2022
Akhand Tiwari, Anup Singh, Raunak Kapoor, Edward Obiko, Gregory Emeka Ilukwe, Manoj Nayak and Zeeshan Ali
Customer-centric and responsible digital credit solutions for urban and rural non-farm entrepreneurs and smallholder farmers
MSC conducted a deep-dive analysis of the digital credit users in India, Indonesia, and Kenya to assess the impact of digital credit on their financial health. The analysis presents the insights from the assessment and recommends actionable interventions at the level of providers, regulators, and policymakers to enhance the financial health of digital credit users.
Sep 20, 2022
Sep 20, 2022
Will QRIS help deliver the promises of digitization to small and micro-merchants in Indonesia?
Quick Response Code Indonesian Standard (QRIS) is the first experience using a digital financial service (DFS) for many micro-merchants in Indonesia. The blog explores what other DFS and nonfinancial services would benefit these merchants just beginning their digitization journey.
Jul 26, 2022
Jul 26, 2022
Could 2022 be the watershed moment for the CICO networks in Indonesia?
This blog looks at key changes and implications of the new draft amendments to the branchless banking regulations released by OJK in 2021.
Jan 20, 2022
Jan 20, 2022
OJK adds a suite of exciting tech solutions to address the 100,000+ consumer complaints and ensure stronger consumer protection in Indonesia
Otoritas Jasa Keuangan (OJK), the Financial Services Authority of Indonesia, wants to explore novel approaches to supervise digital financial services. This blog details two SupTech solutions that OJK is prototyping to enhance consumer protection in Indonesia.
Dec 14, 2021
Dec 14, 2021
Wi-Fi voucher: A top-selling product for rural corner shops in Indonesia
In Indonesia, 12,548 villages still lack access to 4G internet. This blog explores how Wi-Fi vouchers help diarists under our Corner Shop Diaries project and others in rural Indonesia access the internet.
Sep 3, 2021
Sep 3, 2021
Transforming communication protocols for social assistance programs in Indonesia
Effective communication of social protection programs (SPPs) is essential to avoid misconceptions and undesired behavior among beneficiaries, as well as setbacks in implementation. This blog highlights the potential role technology can play in enhancing awareness, socialization, and complaint resolution efforts in the delivery of SPPs in Indonesia.
May 10, 2021
May 10, 2021