Strategic Business Opportunities and Technological Tailwinds
Business Segments
New to Credit
Digital Savings A/C
BNPL
Credit Card
RBL BANK
80
Years In Your Service
Prime Credit
ESTARUSHED IN 1943
Personal Loan
Offer to everyone who
applies for a lending
product (co-origination)
Acquisition channel for
secured cards (non-
bureau tested)
Cross-sell to existing CC
base
ACQUISITION FUNNEL CREATOR
CORE PRODUCT PROGRAM
.
Onboard customers with low limits / checkout
@ecomm
•
.
Decision basis alternate data
Start credit journey
Upsell to unsecured products: Credit Card &
Personal Loan
BNPL Market Size ($ Bn)
BNPL Market Opportunity To Exceed
$40 Bn By 2025
The share of BNPL-triggered payments in the digital commerce.
50.0
40.0
30.0
20.0
10.0
and mobile PoS space is expected to rise from 3-4% in
2021 to 21-22% by 2025
7.4
4.1
0.0
2021
2022
11x Growth
43.3
13.4
2023
24.1
2024
2025
Source: Inc42 Plus, Other Secondary Sources
Note: The total addressable market (TAM) for BNPL is calculated as the % penetration Inclus
of the combined addressable market for digital commerce and mobile-pos payments
•
•
Muti-channel acquisition:
BNPL
Co-brand
Branch channel
Existing to bank
DST
Store-fronts
NBFCs
Banking Co-brands
Aggregators
Innovation is form factor: Digital
CARD, Instant Issuance & Usage
Partner Ready Plug & Play
integration kits (Onboarding &
Account Management) 45-60 days
from Day-1 to Go-Live
MORE REVENUE PER CUSTOMER
Quick disbursement
Customer friendly digital
journey
Paperless process via decision
basis existing customer profile
India To Reach A Trillion-Dollar
Fintech Market By 2025
The country's fintech market is estimated to grow at a CAGR
of 31% during 2021-2025
1500
1000
$1,300
97
126
$990
339
84
90
$758
216
$584
137
500
$435
616
31
464
350
270
200
139
165
184
198
208
0
2021
2022
2023
2024
2025
Neo-Banking
Fintech SaaS
Insurance Tech
Investment Tech
Lending Tech Payments
Source: Inc42 Plus, Other Secondary Sources
IncPlus
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