Strategic Business Opportunities and Technological Tailwinds

Key Consumer Trends - Google Search People are choosing to act now, not later RBL BANK 80 Years In Your Service ESTARUSHED IN 1943 + 215% Instant Delivery + 110% E waste Disposal + 100% Retail The convenience of online shopping remains a priority for shoppers who've embraced digital-first lifestyles, but we're also seeing new developments. Alongside continued growth in search interest in “same day delivery” and “free delivery,” which have risen by more than 35% and 15%, respectively, over the last two years, there has been a surge in search interest in "instant delivery," which has grown over 215% from 2021 to 2022. Consumers are no longer just looking for convenience now; they want to have products on hand immediately, especially during peak shopping moments such as the festive season. Technology Consumers are conscious of sustainability, and they're moving from awareness to action, following India's net zero carbon emissions pledge in 2021. For example, there's been a shift in search interest in "what is e-waste" to "e-waste disposal methods" quarter over quarter, with search interest in the latter growing over 110%. At the same time, people are holding brands and the authorities accountable for sustainability efforts. For instance, search interest in “clean India,” which is commonly associated with a country-wide campaign to improve waste management, has risen by over 80%. Finance Rising cost of living has been top of mind for consumers, with search interest in “inflation" and "cost of living" each growing over 20%. Moreover, people are acting to ease their financial concerns, including through short-term financing options. Search interest in “buy now, pay later” has risen over 100%, and search interest in “pay later” has increased over 50%. Buy Now Pay Later 16

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