Kritika Shukla

Analyst

Kritika is an Assistant Manager in Digital Financial Services - Private Sector Development practice of MSC India, focussed in Banking and Product Development. She is a development sector consultant with more than three years’ experience of working with multi-lateral and bi-lateral donor agencies, financial institutions, corporate organisations, and government departments. Primary focus of her work has been in agriculture value chains assessment, agriculture marketing, market research, human centric design, impact evaluation, digital financial services and training development and delivery.

Kritika is an Assistant Manager in Digital Financial Services - Private Sector Development practice of MSC India, focussed in Banking and Product Development. She is a development sector consultant with more than three years’ experience of working with multi-lateral and bi-lateral donor agencies, financial institutions, corporate organisations, and government departments. Primary focus of her work has been in agriculture value chains assessment, agriculture marketing, market research, human centric design, impact evaluation, digital financial services and training development and delivery.

Posts by Kritika Shukla

eNAM platform to digitize the marketing of agricultural produce in India

India’s eNAM platform enables trading of primary agricultural produce and connects markets through an online platform. MSC has been supporting the central and the provincial governments in the design, policy reforms, and implementation of the eNAM program. Many of the design improvements have been accepted and implemented. The cumulative volume of electronic trade on eNAM had crossed about INR 482 billion (USD 6.5 billion) by September, 2018.

High-Hanging Fruit and Easy Catch—Merchants who need additional “hooks” and hand-holding

This is the third blog of the “Digitizing merchant payments in India” series. In the first blog, we discussed the potential of merchant ecosystem in India and the need to design distinct solutions for them. In the second blog, we described the characteristics of the first two merchant personas—the go-getters and the receptive reticents. In this third blog, we discuss the remaining two personas of the merchant ecosystem: a) The high-hanging fruits and b) The easy-catch merchants.

Go-getters and receptive reticents—Merchants who have the instinct, but need support

This is the second blog in the series on “Digitizing merchant payments in India”. The first blog discusses the potential of merchant ecosystem in India and the need to design distinct solutions for different merchants. In this blog, we will discuss two merchant personas: a) The go-getters and b) The receptive reticents.

“Cookie-cutter” solutions for merchants will not work

This series of blogs highlight that providers cannot promote merchant payments through standard “cookie-cutter” solutions. What works for one category of merchants may not work for the other category. We need to look at merchants as distinct personas to decipher their characteristics and explore ways to change their behavior.

A Qualitative Study of Producer Organisations in Select Geographies in India

The report brings out insights on PO forms, organisations, structures, management, governance, operations, business performance, earnings, needs, expectations, maturity levels and several other important aspects regarding farmer collectives.

Where Are Women Agents in Indian DFS?

Financial institutions must take control of the quality of their financial services; to resolve issues permanently and not to rely upon explaining issues away.