Niyo

“So they started actually before the demonetization, but demonetization really took them through the roof because Basically everything went to digital for that time, and then these workers started receiving their salaries digitally into their bank accounts and …”

“Because we, as I mentioned, 50% of our business is organic, so our CAC is hardly even 10 dollars, less than 10 dollars.”

“So it took us almost, Four years before we could roll out the first co-branded savings account.”

“So the canvas, what we wanted, where we will do everything. What let's say an HDFC is doing, but digitally that has shrunk to say that we will do cross border better than anybody else for consumers in India.”