ELI - 340 | Vikas Garg (Co-founder of Paytail - offline commerce with paperless EMI)

About the speaker: https://www.linkedin.com/in/vikasgarg123/ Vikas Garg is the co-founder of Paytail, a company revolutionizing offline commerce by offering paperless EMIs to customers. Paytail targets small retailers in tier two and tier three cities, providing them with a tech stack to facilitate trade financing and enable consumer financing for purchases. They have partnerships with large corporates like Voltas, Samsung, and Hero Cycles, covering approximately 70% of the market in India. Paytail has built a four-layered tech stack, including integration with enterprise partners, a merchant application for onboarding and managing sales, real-time integrations with banks and NBFCs, and a consumer application for product selection and EMI access. Vikas Garg's entrepreneurial journey started with a background in a small business family, and he recognized the importance of understanding large corporates before building a large institution.