Manish Khera

Financial Information Network & Operations Ltd. (FINO) was founded on 13th July, 2006 with the single objective of building technologies to enable financial institutions (FIs) to serve the under-served and the unbanked sector and also to service the technology requirements of entities engaged in servicing the bottom of pyramid customers. One of the biggest challenges in the micro banking industry is the huge amount of paperwork and human effort traditionally involved in supporting micro-transactions and credit scoring potential customers. Other hurdles include Information gap, accessibility and reach, infrastructure, illiterate populace & fool proof identity. High costs coupled with low returns did not make microfinance viable beyond a certain threshold, thus hampering growth. The company was germinated to overcome all the above mentioned hurdles and make financial services available to the unbanked. It is committed to providing a standardized and shared pan India infrastructure to Banks, Microfinance Institutions, Insurance companies and Government entities that will link clients and financial service providers across the financial spectrum, reducing costs of client acquisition and servicing across the value chain while ensuring that the basic premise of door step delivery to rural customers remains intact.

Airtel Payments Bank Ltd. provides electronic payment services. It offers a prepaid payment system for e-commerce, lifestyle, apparels and mobile recharge. The company was incorporated on April 1, 2010 and is headquartered in Gurgaon, India.

FINO PayTech Ltd. operates as a business and banking technology platform. It offers business correspondents, consultancy services, financial literacy, customer enrolment, hardware solutions, and operations solutions. The firm also offers its products and services to a variety of industries such as banking, government, insurance, technology, and international business. The company was founded by Rishi Gupta and Manish Khera on July 13, 2006 and is headquartered in Mumbai, India.

YTS Solutions Pvt Ltd. provides mobile payment solutions to individuals, operators and financial institutions. It offers financial inclusion, money transfer, MFI loan payments, micro salary payments, loan solutions, welfare and livelihood solutions and online payments. The company was founded by Shweta Aprameya and Manish Khera in December 2013 and is headquartered in Mumbai, India.

Impact Micro Ventures provides cashflow financing to individual micro enterprises in unorganized sector. The company was founded by Pranay Bhargava and Manish Khera and is headquartered in Bangalore, India.

Arthimpact Finserve Pvt Ltd. provides financial services. The company is based in Mumbai, India. and has subsidiaries in India. The Indian company was founded by Shweta Aprameya, Manish Khera, Gautam Ivatury. Manish Khera has been the CEO since incorporation.