Investor Presentaiton
Evolution of Capital Trust's Digital Business Model
Capital Trust
2015
2016
2017
2018
2019
2019
2020
2020
2021
NOW
Decision to go 100%
Cashless Disbursements
(First in rural industry)
Issuance of Geo-Tagged
Digital Receipts rather
than physical passbook
signing
(First in rural industry)
Decision to go 100%
Cashless Collection as
first mode of payment
(First in rural industry)
Incorporation of Al Enabled
Credit Engine (automated
decision making with credit
scoring of borrower. Done
on Income, Credit History
and Debt servicing capacity)
Launch of Al Enabled
Geo-Tagged Client
Route Mapping for
increased operational
efficiency
Launch of Capital Sales
smartphone app with
real-time information at
staff fingertips
(First in rural industry)
Launch of client-facing
Capital Connect
smartphone app
(First in rural industry)
Start of 100% paperless processes:
no physical signature required
from sourcing to disbursement
(First in rural industry)
PROACTIVE RATHER THAN REACTIVE:
Introduction of Al Enabled
Physical Visit Engine
(automated income input
analysing client industry, sales
and margin)
RURAL
DOORSTEP-FINTECH
COMPANY
Capital Trust is emerging as Thought and Innovation leaders capturing the changing rural landscape
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