ANALYSIS

CRED
Rushil Arora, sendtorushil@gmail.com +91 9650294567
 CRED Mint
Allows CRED users to
CRED Stash CRED Pay
lend their money
Allows users to access directly with an interest Allows users to pay
instant personal loans at rate of 9% per annum. their credit card bills
competitive interest using various payment
rates directly from the options, including UPI
CRED app. and net banking.

OFFERINGS
Rent pay
CRED Cash
Allows users to pay their Partnership with Allows users to get an
rent through their credit brands instant loan without
cards and earn rewards
the need of any
for the same. Gives brands a targeted
paperwork.
platform to attract high-
spending and
creditworthy clients.
 REVENUE MODEL

LISTING FEES Revenue Loss

1,500
paid by brands whose
products are listed in Nearly 73 million
the CRED app credit cards were
Advertisements by issued in India during
brands DATA 1,000 the fiscal year 2022.
MONETIZATION
Authorized Financial
companies pay CRED to
gain access to users'
COMMISSIONS and financial data 500
Referral fees
From partner banks -
about 0.5-2% Cred had around 16
From listed million users on its
companies - When a 0 network by December
FY19 FY20 FY21 FY22
user buys using CRED 2022.
coins (IN CRORES)
 SEIZING THE OPPORTUNITY

According to Deloitte India's Banking Survey 2022, roughly

40% of frauds in India are due to digital and cyber-related
problems.

According to a survey, 6 in 10 Indians said a loan servicer has

violated their privacy.

RBI'S GUIDELINES: CRED'S VALUES:

Transparent Loan Execution/Disbursals Built on the foundation of trust.
Cost of The Loan and Other Details Must Be Disclosed No data sharing to unaffiliated third parties.
Grievance Redressal Mechanism Advanced encryption techniques.
No Automatic Raising of Loan Limits And Loan Cooling-off Multi-factor authentication to prevent unauthorized
Period access.
Mandatorily Reporting of Loan To Credit Bureau Listed out security guidelines on website.
 THE ROAD TO PROFITABILITY

SHORT TERM PLANS

03
CrEd
CredPremium
CredforTeens
02

LONG TERM PLANS 01

Can become a SuperApp for the gated CRED
community.
Can favor some brands over the others
providing similar services for long term
association and better deals.
Exclusive member-only lifestyle clubs.
 EFFECTIVE MARKETING SRATEGIES
1,000

As it is an established
brand now, the focus
should be on cutting
down cost on marketing 750
and implementing
effective marketing
strategies.

500
Rewarding the most
loyal customers with
CRED merchandize.

250
Establishment of
Exclusive CRED-only
member lifestyle clubs
having desirable
amenities at profitable
locations. 0
FY19 FY20 FY21 FY22

INCREASING ANNUAL EXPENDITURE ON MARKETING (IN CRORES)

 CrEd
"Empowering India's Financial Future:
One Video at a Time"
Only 27% of the Indians, according to a SEBI survey conducted in August 2022, are financially literate.

WHAT CAN CRED DO?

HOW WILL CrEd HELP CRED?

A dedicated section - "CrEd" in the application featuring videos

Relevant content - More engagement -
related to finance.
More revenue
Partnership with trusted financial experts to ensure the accuracy
Customer Acquisition - Will give a chance
and relevance of content (will be paid royalty).
to people with credit-score less than 750
Can protect vulnerable users from falling prey to fraudulent get-
to get associated with CRED
rich-quick schemes.
Monetization through Ads on videos.
Videos accessible to everyone and available free of cost.
Premium users can earn reward points for watching and engaging.
 CredPremium
Enhancing decision making

User preference:
Spending-based Recommendation for users:
recommendations:
Cred can ask for user
Cred can provide a list of
preferences and recommend
To users who spend heavily banks with interest rates based
credit cards that offer
on dining and entertainment, on the user's specified loan
rewards that match their
Cred can recommend credit amount and duration.
preferences.
cards with bonus rewards for
those categories.
OUR STRIPPED DOWN PROPOSAL

Rating
Rating Rating Feasability
based on Rating
based on Based on for Rushil as
discounts Based on
Interest Travel suggested
on annual fees
Rate Rewards by Cred
Electronics

Card A 10 3 5 2 9

Card B 4 5 7 4 14

Card C 2 8 6 3 15.5

Card D 8 6 2 8 12

User's preference driven benchmarking for credit cards selection

 CredforTeens
Task-Based Money Transfers for Teens on Cred

Task Driven Pocket Money Dual Incentive Video Learning

Investing money
Cred can let parents create If Mr. Manoj wants his teen to
The money allotted by users
tasks for their kids on a learn about finance through
through last method can be
separate app section. Parents CrEd videos(mentioned
invested on financial
can incentivize their kids by earlier), he can allot him money
instruments with the help of
setting a specific amount of through CRED app. As the teen
experts providing
money to be transferred progresses with these videos,
profitability to CRED. A
upon task completion. Parent the allotted money will get
portion of this fund should
confirms, the money gets unlocked for him/her.
be kept in reserve to
transferred to the teen's
minimize risk.
account.

This innovative feature can make Cred a one-stop-shop for parents looking to teach their children about financial
responsibility while also providing a fun and interactive way for kids to earn money.
Discover the Best with Cred: Try Before You Buy

How will CRED benefit from How will the brands benefit
this? from this?

Cred can introduce a feature Can charge a commission or Conversion of trial users
wherein users can buy trial a fee from partner brands to paying customers.
products from partner brands for promoting their trial Increased brand
using CRED coins directly. products to its user base. exposure.
Can offer Targeted Access to user insights
advertising opportunities to and analytics.
brands.
THANK YOU