Certified Startup
HYBRID INTERACTIVE CONSULTANCY LLP
Sector:
Banking, Financial Services and Insurance
Business Model:
B2C B2B
Industry:
FinTech
Technology:
Mobile Apps Web technologies
About
Incorporation Date
Mar 12, 2024
Incorporation Type
Limited Liability Partnership
Registered State
Kerala
Registered District
Ernakulam
Registered Address
Studio Apartment NO. C-10, 28-591, HEAVENLY PLAZA, VAZHAKALA, Thrikkakara, Thrikkakara, Ernakulam, Kerala
Office State
Kerala
Office District
Ernakulam
Office Address
C-10, 10th floor Heavenly Plaza Civil Line Rd, Vazhakkala, Kakkanad, Kochi, Kerala 682021
Team
SARATH ARAVIND
Co-founder
SUMI ELIZABETH RAJU
Co-founder
BAIJU MATHEW
Co-founder
Sachin Raju
Co-founder
Hybrid Pay
Problem: The rural population of India remains largely excluded from the fintech revolution due to limited access to banking infrastructure and a lack of awareness about financial products.
Sector:
Banking, Financial Services and Insurance
Industry:
FinTech
Business Models:
B2C B2B
Technology:
Mobile Apps Web technologies

Problem

The rural population of India remains largely excluded from the fintech revolution due to limited access to banking infrastructure and a lack of awareness about financial products. Many individuals in these areas do not possess essential documents like PAN cards, or have not linked their Aadhaar and PAN cards, restricting their access to crucial financial services. By educating and empowering these communities through our fintech platform, we can bridge this gap, enabling them to access banking services, secure loans, and benefit from government subsidies and schemes in the future.

 Solution

Hybrid Pay provides a comprehensive solution to bridge the financial inclusion gap in rural India by offering advanced digital banking and payment services. Operating through a B2B and B2C model, we leverage a network of Distributors and BC Agents to effectively reach the rural population. Our platform not only delivers essential banking services but also empowers end customers to access loans, subsidies, and government schemes, ensuring their full participation in the fintech revolution.

Additionally, Hybrid Pay addresses the issue of youth unemployment in rural areas by employing them as affiliates or agents. These individuals play a crucial role in our operations, meeting with merchants to sell Mini POS machines, QR codes, and Business Correspondence services. Through this approach, we simultaneously tackle unemployment and promote financial literacy, making Hybrid Pay a catalyst for both economic empowerment and financial inclusion in rural communities.


Components of Solutions

·      Hybrid Basic: No Cost Mini POS machine and QR Code

·      Hybrid Business Correspondent: Cash withdrawal using Micro ATM, Aadhaar enabled payment system (AEPS) & UPI ATM

Direct Money Transfer

Cash Deposit using AEPS

Bharat Bill Payment System

Insurance

·      Hybrid Smart Business Center: All Business Correspondence services

Current Account handling

Savings Account handling

Cash Deposit

Cash Withdrawal

Loan Processing

Loan Collection

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