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100 CR disbursed thru farming in FY20 - Coggle Diagram
100 CR disbursed thru
farming in FY20
PRODUCT
Shorter duration loan e.g. payday
Smaller size loans for experimentation
Repeat - SF at Fullerton
Refinancing
Bullet loans w flexible repayment
Best price optimized for bottom line and customer intent
Back calculate targets for various products
Changing lender of existing customer, for both first and repeat loans
ACQUISITION
Lazypay
Paysense
CBP Base
Referrals / Rewards to incentivize users
TOOL
Channel preference
End to end flow - from lead generation to sale
CRM - calls not scalable - SMS+IVR capabilities
INTELLIGENCE
Smaller but targeted base w higher preapproval and disbursal rates both
Top 5 Rejection Reasons from pilot
Experiment to test user sensitivity to interest rate --
"super saver" offer
GST for self employed - to predict income?
email + SMS
data to identify customers with intent /income
SMS to top contacts of customers - sell CBP first
(currently not possible since no marketing rights)