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The Financial Bazaar 
OPPORTUNITIES FOR STARTUPS 
DEEPAK SHENOY 
CO-FOUNDER, CAPITAL MIND
Who am I? 
• 4th Startup – two exits, one shutdown 
• Founder at Capital Mind 
• Write on Macro, Markets and Investing 
• Premium Subscription for Market Analysis, 
Derivatives and Macroeconomics 
• See: http://capitalmind.in
Startups in the Financial 
Sector 
Products 
• Insurance 
• Stocks 
• Mutual Funds 
• Credit and Loans 
Business 
Models 
• Financial Advice 
• Intermediation 
• Data and Analysis 
• Personal Finance 
• Portfolio Mgmt
Challenges 
• Regulation 
• Licenses 
• Compliance Costs 
• Cannot do certain things at all 
• Equity 
• Need serious money to even enter 
• Scale 
• Markets often not liquid enough; need to educate 
• Not Enough Exits
The Big Startups 
• Policy Bazaar 
• Perfios 
• Value Research 
• Bank Bazaar 
• Funds India 
• Edelweiss 
• MoneyControl ?
Ripe for Disruption 
Consumer 
• Credit 
• Low Cost Intermediation 
• Easing Regulatory 
B2B 
• Trade Solutions, Credit 
• Risk/Fraud 
• Fixed Income
Consumer Finance Startups 
Trust Security 
KYC 
Your 
Death? 
Monetize Scale out
Monetization Opportunities 
Lead Gen 
• Not Everywhere 
Pay for Transaction/Advise 
• Tough in India 
Commissions 
• Regulated 
Subscription 
• Getting Early Traction 
Advertisements 
• Hahaha
Examples
That New Brokerage 
• Brokerages can provide more value 
• Better Interfaces (OptionsXPress or others) 
• Lower Cost 
• But access to different bazaars at low cost 
• Not Enough Markets 
• Interest on Stored Balances 
• Stock Lending and Borrowing 
• Networking 
• Credit Provisioning
Algo Trading 
• Insti and Retail Automated Trading 
• Algos to bulk buy stocks 
• Arbitrage (already there) 
• Market Making 
• Visual Algo Creation and Back Testing 
• Co-investing 
Collective2, Covestor
Wealth Manager (low cost) 
• Wealthfront is Big: 0.25% of assets 
• India can see Bigger 
• At even lower cost 
• But Needs Localized Approach 
• Product Selection 
• ETFs? 
• International Limitations 
• Debt Focus 
• Invest Intelligently in Tech
Personal Finance 
• Mint-style integrator of pers-fin 
• Yodlee provides APIs 
• Perfios + Many Others Are/Were In The Space 
• Challenges 
• Trust and Security 
• Tier II/III and Support 
• Form filling, Physical requirements 
• Not enough tech work (recognize credit cards by 
scanning them etc)
What Capital Mind is Doing 
• Financial Data and Analytics 
• Unserved: Fixed Income 
• “Outliers” 
• Great Visualization 
• Custom Indexes, Portfolio Tracking 
• MacroEconomic Data 
• Beat Bloomberg/Reuters
Failures 
• Paisa (But went on to make HelpShift) 
• MoneySights 
• MoneyVidya 
• Millions of Stock tip providers 
• One Outlook Magazine
Questions? 
• Please direct comments to 
deepakshenoy@capitalmind.in

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Opportunities for Startups to Disrupt the Financial Industry

  • 1. The Financial Bazaar OPPORTUNITIES FOR STARTUPS DEEPAK SHENOY CO-FOUNDER, CAPITAL MIND
  • 2. Who am I? • 4th Startup – two exits, one shutdown • Founder at Capital Mind • Write on Macro, Markets and Investing • Premium Subscription for Market Analysis, Derivatives and Macroeconomics • See: http://capitalmind.in
  • 3. Startups in the Financial Sector Products • Insurance • Stocks • Mutual Funds • Credit and Loans Business Models • Financial Advice • Intermediation • Data and Analysis • Personal Finance • Portfolio Mgmt
  • 4. Challenges • Regulation • Licenses • Compliance Costs • Cannot do certain things at all • Equity • Need serious money to even enter • Scale • Markets often not liquid enough; need to educate • Not Enough Exits
  • 5. The Big Startups • Policy Bazaar • Perfios • Value Research • Bank Bazaar • Funds India • Edelweiss • MoneyControl ?
  • 6. Ripe for Disruption Consumer • Credit • Low Cost Intermediation • Easing Regulatory B2B • Trade Solutions, Credit • Risk/Fraud • Fixed Income
  • 7. Consumer Finance Startups Trust Security KYC Your Death? Monetize Scale out
  • 8. Monetization Opportunities Lead Gen • Not Everywhere Pay for Transaction/Advise • Tough in India Commissions • Regulated Subscription • Getting Early Traction Advertisements • Hahaha
  • 10. That New Brokerage • Brokerages can provide more value • Better Interfaces (OptionsXPress or others) • Lower Cost • But access to different bazaars at low cost • Not Enough Markets • Interest on Stored Balances • Stock Lending and Borrowing • Networking • Credit Provisioning
  • 11. Algo Trading • Insti and Retail Automated Trading • Algos to bulk buy stocks • Arbitrage (already there) • Market Making • Visual Algo Creation and Back Testing • Co-investing Collective2, Covestor
  • 12. Wealth Manager (low cost) • Wealthfront is Big: 0.25% of assets • India can see Bigger • At even lower cost • But Needs Localized Approach • Product Selection • ETFs? • International Limitations • Debt Focus • Invest Intelligently in Tech
  • 13. Personal Finance • Mint-style integrator of pers-fin • Yodlee provides APIs • Perfios + Many Others Are/Were In The Space • Challenges • Trust and Security • Tier II/III and Support • Form filling, Physical requirements • Not enough tech work (recognize credit cards by scanning them etc)
  • 14. What Capital Mind is Doing • Financial Data and Analytics • Unserved: Fixed Income • “Outliers” • Great Visualization • Custom Indexes, Portfolio Tracking • MacroEconomic Data • Beat Bloomberg/Reuters
  • 15. Failures • Paisa (But went on to make HelpShift) • MoneySights • MoneyVidya • Millions of Stock tip providers • One Outlook Magazine
  • 16. Questions? • Please direct comments to deepakshenoy@capitalmind.in