Vishes Jena

Vishes Kumar Jena is an Associate in MSC’s Digital Financial Services - Payments & Distribution domain. He is trained in Rural and Innovation Management.

Vishes has an MBA from Xavier Institute of Management, Bhubaneswar in Rural Management. During his MBA, he attended the Warsaw School of Economics (SGH) in Poland to pursue courses on Innovation Management and International Business. He also has a B.Tech from the Institute of Technical Education and Research in Bhubaneswar. His areas of experience include market research, financial inclusion, and others. He has worked on projects commissioned by the Bill and Melinda Gates Foundation, JP Morgan, Metlife foundation, among others. Recently, he has worked on projects and several assignments that have impacted the National Payments Corporation of India, and FinTech startups associated with the Indian Institue of Management, Ahmedabad's startup incubator - CIIE.CO, and many more. He is fluent in English, Hindi, Odia, and Bengali.

Posts by Vishes Jena

The Mool mantra: Simplifying financial services for the masses

In this blog, we chart Mool’s journey. Mool is a neo bank that enables Indians in the low- and middle-income (LMI) segment to take small steps toward saving and investing. Read on to see how Mool uses an interactive, easy-to-use platform to make customers save more and plan their financial lives better. Mool is a startup under the Financial Inclusion (FI) Lab accelerator program’s fifth cohort. The FI Lab is supported by some of the largest philanthropic organizations worldwide—the Bill & Melinda Gates Foundation, J.P. Morgan, Michael & Susan Dell Foundation, MetLife Foundation, and Omidyar Network.

How can FinTech TSPs support microfinance institutions to get on board the DEPA ecosystem?

This blog, the second in this series, discusses the role of FinTechs as technology service providers (TSPs) in enabling last-mile lenders, such as MFIs, to adopt the DEPA framework. Read the blog to understand how TSPs can help onboard these institutions onto the DEPA framework while providing other value-added services.

What holds back microfinance institutions from adopting the DEPA framework?

This blog discusses the Account Aggregator (AA) framework, a consent-based system under the IndiaStack that enables data sharing across financial institutions. Here we look at the framework from the perspective of financial inclusion and discuss how microfinance institutions, which cater largely to low and middle-income (LMI) customers, may struggle to adopt AA at this stage.

GreyMatter: Delivering impact to farmers at the last mile

This blog highlights the journey of the agri-FinTech startup GreyMatter, which works on a buy-now-pay-later (BNPL) community commerce model. The company works to build a one-stop platform to provide quality agricultural inputs to smallholder farmers, agri-advisory services to improve yield, and post-harvest support like improving soil health and creating market linkages for better prices on the harvest. The company’s efforts have led to a positive impact on its early users. Read its story here.

Impact of COVID-19 on FinTechs: India

Our report delves deep into the innovative strategies that FinTechs used to overcome the pandemic, measures taken by the government and regulators to enable ecosystem players, and support lent from investors and accelerators. We also highlight the change in behavior and adoption of digitized products by Indian customers at large.

Finarkein: Democratizing data in financial services

This blog talks about Finarkein Analytics, a technology service provider platform focused on simplifying the information value chain through its unique and innovative data analytics solution

Numer8: From space to sea, solving for fisherfolk—numerically

The seafood supply chain in India is highly disintegrated, complex, and non-reliable. Consequently, fisherfolk face a range of issues that affect their livelihood. This blog highlights the journey of Numer8, a data science-focused startup that helps fisherfolk defend against climate change and build a resilient yet profitable seafood business for themselves.

Credochain: Lending solutions for a new India

Micro, small, and medium enterprise (MSME) borrowers and commercial lenders in India struggle with a steadily widening credit gap. This blog highlights the journey of a FinTech startup, Credochain, which assesses micro and nano enterprises for faster and better credit decision-making by capturing and analyzing their underlying business transactions and cash flows, among other parameters. In this blog, you will discover how Credochain has been building cluster-specific credit underwriting models for unserved or underserved businesses.