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.
Posts by Sunil Bhat
Kaarva: A micro salary advance for a micro expense
This blog highlights the journey of Kaarva, a fintech start-up that provides salaried people from the low-and middle-income segments with early access to a portion of their earned salaries for the month without charging any fees.
Jul 15, 2019
High-Hanging Fruit and Easy Catch—Merchants who need additional “hooks” and hand-holding
This is the third blog of the “Digitizing merchant payments in India” series. In the first blog, we discussed the potential of merchant ecosystem in India and the need to design distinct solutions for them. In the second blog, we described the characteristics of the first two merchant personas—the go-getters and the receptive reticents. In this third blog, we discuss the remaining two personas of the merchant ecosystem: a) The high-hanging fruits and b) The easy-catch merchants.
Mar 19, 2019
Priya Garg, Sunil Bhat, Amit Joshi, Kritika Shukla and Shreya Gupta
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.
Mar 18, 2019
Sunil Bhat, Amit Joshi, Priya Garg, Kritika Shukla and Shreya Gupta
“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.
Mar 18, 2019
Sunil Bhat, Amit Joshi, Priya Garg, Kritika Shukla and Shreya Gupta
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.
Jul 6, 2018
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.
Aug 17, 2017
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.
Aug 16, 2017
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 […]
Aug 9, 2017