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imagine 2mm ATM++

abhishek sinha, co-founder & ceo

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© Strictly confidential. Eko/- is the property of Eko India Financial Services Private Limited

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‘digit’-ization of a transaction

*543*9811234389*999*1598271234#

BENEFICIARYBENEFICIARY AMOUNTAMOUNTAUTHORIZATIONAUTHORIZATION

Missed Call | Only Numbers | Works on Ultra-low cost handsets | Low cost

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‘digit’-ization of a signature

1 2 3 4

5 9 8 7 1 2

1 5 9 8 2 7 1 2 3 4

PIN

Signature

*543*9811234389*999*1598271234# Beneficiary’s Mobile No. Amount. ‘Signature’

Paper equivalent to RSA device + PIN | Only Numbers | Low cost | Innovation

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SMALL = big

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Shri Nitish Kumar CM of Bihar on a visit to Sheikhpura

ASHA workers at a training workshop

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Positive incremental regulation

2006 2008 2010 2012

RBI proposes Business Correspondents for Banks

RBI extends list of individuals to allow shop owners and petrol pump owners as well as retired teachers

RBI permits Banks to engage retired bankers, servicemen; allows sub-agents

RBI permits Banks to charge reasonable fees

RBI allows for-profit companies to be BC

Finance Minister announces service tax exemption for BC/BF to extend reach and inclusion

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“By taking existing infrastructure and spare capacity among mobile networks, your model could dramatically reduce costs for service providers

and customers alike”- Bill Gates

Visited Eko site – Dec 2008

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“ Eko is an example of a supreme garage innovation! If you thought the rate of change was fast thanks to the garage innovators of Silicon Valley, wait until the garages of Delhi, Mumbai and Bangalore get fully up to speed. I sure hope we’re ready –NYT

- Tom FriedmanVisited Eko– Oct 2010