Sunil Bhat

Senior Manager

Sunil Bhat is a Senior Manager in MicroSave’s Digital Financial Services- Payments & Distribution Domain. He is a financial sector consultant with over eight years of experience in advising more than 40 financial institutions in India, Bangladesh, Indonesia, Sri Lanka, Nepal, Malawi, Liberia, Democratic Republic of Congo, Vietnam and the Philippines.

Sunil Bhat is a Senior Manager in MicroSave’s Digital Financial Services- Payments & Distribution Domain. He is a financial sector consultant with over eight years of experience in advising more than 40 financial institutions in India, Bangladesh, Indonesia, Sri Lanka, Nepal, Malawi, Liberia, Democratic Republic of Congo, Vietnam and the Philippines. Sunil has an MBA from Narsee Monjee Institute of Management Studies in Mumbai and a B.Tech from the National Institute of Technology in Calicut. His areas of expertise include: risk management in DFS agent networks, process re-engineering, strategic business planning, financial analysis, microfinance, responsible finance, and agent network strengthening and product development.

Posts by Sunil Bhat

High-hanging fruit and easy catch—Merchants who need additional “hooks” and hand-holding

The high-hanging fruits Pushpa Kumari owns a small grocery shop in Terna village of Varanasi district of Uttar Pradesh, India. She has two school-going children and is the sole earning member of her family. She is educated up to Class 3 and has been managing the business since her husband’s demise seven years back. Pushpa […]

Go-getters and receptive reticents—Merchants who have the instinct, but need support

This is the second blog in the series on “Digitizing merchant payments in India”. The first blog discusses the potential of merchant ecosystem in India and the need to design distinct solutions for different merchants. In this blog, we will discuss two merchant personas: a) The go-getters and b) The receptive reticents.

“Cookie-cutter” solutions for merchants will not work

This series of blogs highlight that providers cannot promote merchant payments through standard “cookie-cutter” solutions. What works for one category of merchants may not work for the other category. We need to look at merchants as distinct personas to decipher their characteristics and explore ways to change their behavior.

Closing the Gender Gap: Opportunities for the Women’s Mobile Financial Services Market in Bangladesh

This report aims to catalyse the financial inclusion of financially underserved Bangladeshi women through improved MFS adoption.

Learnings from Transforming Villages into ‘Less-cash Villages’: Part Two

MicroSave has been working with NPCI and leading public sector banks to create a less-cash ecosystem in select villages across the country. This note captures the concluding part of the journey.

Learnings from Transforming Villages into ‘Less-cash Villages’: Part One

MicroSave has been working with NPCI and leading Public Sector Banks to create a less-cash ecosystem in select villages across the country. This highlights the lessons learnt during the intervention and highlights the key steps involved.

First digitally enabled panchayat in Kerala

As the Government of India, under its “Digital India” campaign, continues to promote accessibility and usage of digital modes of payments across India, MicroSave partnered with National Payments Corporation of India (NPCI) to transform a panchayat near Munnar, Kerala into “less-cash” Panchayat. AEPS and BHIM Aadhaar are the two products users are using in this […]

First digitally enabled panchayat in Odisha

This NPCI initiative brings insights on the digital transformation journey that the organization has undertaken to enable panchayats across the country, and encourage active and sustaining village level participation.