Lizzie Chapman
@ChapmanLizzie
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So many INCREDIBLE #D2C brands coming out of India right now. 🇮🇳 World-class products that I hope can be taken to the world 🌏. I import almost nothing these days and genuinely wish some of my UK/US friends could have access to the brands I do here. Pls share more reccos 🙏.
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Bombay people - if you (or any female friends/relatives) ever need a reliable, safe excellent female driver with a large car for airport picks drops etc, please save this number. 🚕.Husna is a legend and of course there is a backstory. 1/3
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My Uber driver just spent the entire 90+ min trip listening to English language classes on YouTube and practicing out loud (and then with me). He said he loves airport drops because he gets time to study. Mobile internet is an amazing thing. It's a good time to be a human.
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Global friends; you can help India remotely 🌍. Please donate to one of these causes. Most accept foreign cards (and if not message me and I'll give you my PayPal and do it for you) . Twitter - pls tag more . 1/n @Hemkunt_Fdn.Delivering oxygen .
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Anyone wondering what is happening in #BuyNowPayLater in the world's biggest digital market (🇮🇳)? . Today we put out our 2021 annual report with lots of consumer insights and learnings for the industry. 🔥. Some highlights (1/🧵).
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Current panic-o-meter in India right now: .Normal people: 3/10.People who work for startups: 6/10.People who run startups: 7/10 .Investors in startups: 10000/10 .😕.
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The pandemic has wiped out 90% of her business and there's no clear visibility on when foreign tourism will return. She supports a large family as single mom. She's the hardest working person I know and a badass inspiration to all she meets. 🙅🏽♀️ 🚕. 3/3.
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She worked as my driver a few years back and then successfully built and scaled her own business to run airport transfers for boutique hotels. Her smiling face at the airport was the reason for we had many happy customers at @abodehotel . 2/3.
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Thrilled and excited to add @GoldmanSachs as a partner in bringing affordable, responsible and inclusive financial products to more people in our market. It really feels like Day 0 🚀🚀.
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As severe lockdown commences in #Bengaluru. I pledge to spend this this weekend liberally dousing my local vegetable, coconut water and chai seller with gratuitous extras cash . Irony - I will save money in the next few weeks. they may not survive. please consider 🙏.
As a measure against the pandemic, strict restrictions will be imposed in the state from May 10 to May 24. I appeal to all citizens to adhere to guidelines and co-operate with the government to contain the spread of the virus. Let us work together safeguard each other.
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Going on rare trip outside India. just makes me realise how lucky I am to live in India 🇮🇳.
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It's easy to be negative right now but another way to look at the situation in India is one of absolute awe at the way people are coming together and solving crazy hard problems, together. I was brought up in a country where this would definitely not happen like this. Grateful 🙏.
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Just when you thought @CRED_club couldn't beat free beer for coins. they go and hand out 🍌 pudding at a payments conference #ftx25 @Razorpay @kunalb11
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Anyone who knows me knows I NEVER go ANYWHERE without my trademark accessory - a battery pack. I basically run my life of one of these and obviously @XiaomiIndia make the best. So I was quite chuffed to get my personalised version today! Thank you @manukumarjain and Mi #MiFan
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Xiaomi has built one of the most loved brands in India and they have a passionately consumer-focused philosophy which deeply resonated with our values as a company @ZestMoney @manukumarjain.@XiaomiIndia.
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A recruiter called me to wish *me* luck for an interview with a engineering candidate @peakbengaluru.
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When a picture tells a thousand words. Monthly txn numbers on cards vs. UPI (and April/May were more of the same). One example of why 🇮🇳 is THE most exciting #fintech market globally (dark winter or not) . #signalsvsnoise
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I started a small fundraiser to give a Diwali gift to one group who is really struggling . Amazed how generous folks have been and not just with money, but also ideas for a sustainable solution 🙏. Help the Iconic Gateway of India Photographers .1/n
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I have never been more bullish about the potential for #Indiafintech to SCALE as I am right now 🇮🇳. As always, I was too early - I’ve been in this space for 14+ years but that gives me the privilege of a long view….
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@arindam___paul Mumbai is unique GLOBALLY in this regard. if you are here to work hard, add value and not complain, you are accepted and supported. No other global city offers this (from recovering Londoner).
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Utterly stunned, devastated, and heartbroken at the loss of our beautiful @pankhuri16 . We first met in 2013 when I was supposed to help her hone her pitching skills - in fact, she taught me much more than I ever taught her.
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When a global pandemic and financial crisis threaten to dampen team spirit. there is only one way to end the week @ZestMoney #ZestLife #OnlyInIndia #WomensDay 🇮🇳🕺
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What Pandemic?. @IndiaMART team deliver an incredible set of results, doubling profitability. Amazing work and grateful to witness these efforts close up. 🚀🇮🇳 .@DineshAgarwal @GulatiD @amarinderd @rajeshsawhney
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Grateful to have @QuonaCapital and @ReinventureFund join our mission to make digital lending a reality for India. Grateful for continued support of our customers, employees and partners, as @ZestMoney marches forward on its mission to become the country’s largest EMI provider.
. @ZestMoney has raised $20 million in fresh funding led by US fintech investor Quona Capital, as the consumer lending space in India gains traction @Alnoor_ET.
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Chuffed to get a seat at the table. @ZestMoney will be representing Indian technology and innovation at @wef as a #2020TechnologyPioneer .
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"Global Fintech Market Cap is less than 3% of Global Financials Market Cap.Compared to E-commerce Market Cap now 42% of Global Retail" (Tom Stafford, DST) .Only just getting started.🚀.#HongKongFinTechWeek.
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Playing with the big boys (and girls) now. What's amazing is most of these brands are also our partners in lending to New to Credit. The fintech narrative is often focused on tech enabling UX/speed. Tech also enables collaboration and access. #EMIforEveryone
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Thank you @ETtech for this recognition. 🙏. More importantly, thank you @ZestMoney team for working tirelessly and passionately over the last 2 years despite all the challenges - I'm so grateful and proud of all that we do.
🏆 Good morning! The day is finally here. The winners of the #ETStartupAwards2021 are:. ■ Startup of the Year: @zomato.■ Midas Touch (best investor): @sbikh.■ Woman Ahead: @ChapmanLizzie. Read more:
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What's it like being a female in fintech in India? 🇮🇳. In good company. (even the @RevolutApp CEO is female) . We missed you @rush2yyz @shinjini9
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Working on it 😉 @ZestMoney #KillTheCard.
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India Folks RT and help save some lives 🙏. My amazing colleague @joy_nikhiljoy whose family were affected by COVID, has created the first PLASMA donor exchange in India in association with @ManipalHealth. They need all COVID survivors to register now 👇.
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@shelinakukar Yes to city runs. Pls message her. She also knows where to buy almost anything under the sun!.
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Let me stick my neck out. lending is not a feature or a product. It is a core philosophy and needs extreme focus. The un-sexy truth of lending is that distribution is only a small piece of the puzzle.
Let me stick my neck out and disagree:.Lending is not a feature, its a product. And this Google pay lending by Indian banks won't take off.
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#SareeTwitter. Ladies (and man) of @ZestMoney. This was at a #ZeMo wedding last year. Nice shirt Ashish but can't compete.
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Definitely my favourite 🦄 - proof that focus on best product, culture and customer pays off always. @harshilmathur @shashank_kr.
India's Razorpay raises funds at $3 billion valuation ahead of Southeast Asia launch by @refsrc.
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Not normally one for self pics 🙈 but this incredible hand-stitched scarf deserves a post! Helping @ZestMoney with its new brand launch, @priyashmita at @DerajBoutique sent this beauty 😍😍
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India is a ripe market for #BNPL with increasing smartphone penetration, cheap mobile data, ease of digital payments, and a stable regulatory environment that is #DigitalFirst. 2022 will be the year we see huge value creation in the category 🚀
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"The first wave for disruption for Indian online commerce was COD. Then came demonetisation, when we saw a digital transformation in terms of payments. The third wave is affordability, which is powered by credit. Credit with commerce makes products affordable" @ZestMoney.
Lizzie Chapman (@ChapmanLizzie), Co-founder and CEO of @ZestMoney. Vikas Bansal, Director, Emerging Payments, Amazon Pay (@amazonpay) . Gaurav Hinduja (@gdhinduja), Co-founder of Capital Float (@CapitalFloat).
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#Bangalore on fire 🔥 and we don't have #Brexit to worry about.
London is the second fastest growing tech ecosystem worldwide, ahead of San Francisco, New York and Shanghai 🚀. VC investment jumped from $3.5bn in 2016 to $10.5bn in 2020, according to @dealroomco & @londonpartners:
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Happy Birthday @ZestMoney - time to reflect on the last four years and look forward to 2020. the year India shines as the Global leader in digital financial technology 🇮🇳.
We are celebrating our 4th Birthday today. There's no better day than this to talk about the best year (2019) we had & what we achieved. Let's also take a sneak peek into what's in store for 2020.Here's a glimpse of how India shopped with Digital EMI. #4YearAnniversary #ZestMoney
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Coming soon to 🇮🇳? 🔥🔥🔥.
The BNPL flippening is close in Australia. Source: Marqeta: 2021 State of credit
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And India will never "catch up" - instead we will jump straight to digital money and virtual credit. #KillTheCard #UPI #EMIforEveryone @ZestMoney.
China had 686M credit cards and 6.911B debit cards in March 2019 🇨🇳 . India had 46.1M credit cards and 944.5M debit cards in February 2019 🇮🇳. #Fintech
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We made an ad 😍.
Got a long festive shopping list? Zestmoney's got your back. And here's Rahul Subramanian showing you how easy it is to Zest Now, Pay Later!
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Reminds me of this
The biggest moat in business is. Patience. With the exception of certain situations, the ability to take a very long-term view & calmly persisting through the peaks and troughs without euphoria or despair is the most sureshot way of building an enduring, compounding business.
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Toooo excited to announce our @Apple @ZestMoney partnership today, driving mainstream affordability for Apple products. Now even completely New-to-Credit Customers in Tier III cities are able to afford their dreams. #MakingLifeAffordable #EMIforEveryone .
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I genuinely don't understand how the rest of the world works without this word.
I just used the word "prepone" - it's the opposite of "postpone" in India - for the first time. I think it's a handy word worth adopting globally.
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India took to #BNPL in a big way in 2021 and it emerged as a loved payment option across the country. We saw demand from 99% of pin codes. We added the most customers in the 23-26 years age group but saw demand from 18 to 66-year-olds.
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How it started. how it's going.
Mumbai Fintech Twitter: anyone around for drinks tomorrow eve ? 🍻. cc @prajitn.
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I went to buy a lamp from a roadside vendor. Incredible service, with full digital invoice direct to my WhatsApp courtesy of @VyaparApp 🙌 and of course UPI payment courtesy of @PhonePe #IncredibleIndia - leapfrogging the world 🌎 in digital adoption 🇨🇮
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Excited and proud to be building in India at this time. Rest of the world better catch-up. 🚀🇮🇳."Payments is the other huge success story. Forgetting your wallet at home is no big deal anymore. The money is in the phone" .
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Yesterday I heard 3 stories of people being rescued by benevolent auto drivers whilst searching for hospital beds with +ve patients. The crisis is creating many silent heros and highlighting selfless humanity everywhere 🙏. A plea: those who can, pls tip generously at this time
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(My first ever thread). We are all feeling helpless at this time and so here are some ways we can make a small armchair effort to those doing tireless work for those who are most deeply affected by this catastrophe. 1/n Uday foundation: homeless
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Thank you so much @ETtech @samidhas @_sachinbansal @Nithin0dha @deepigoyal @AnkitiB @NandanNilekani @gokulr @AmitAgarwal @anuhariharan @gvravishankar @satyan @harshjain85 . An honour and privilege 🙏.
#ETStartupAwards2021. The Woman Ahead: In the end, it all boiled down to @ChapmanLizzie’s perseverance. The ETSA jury highlighted this as one of her most significant attributes in a highly competitive financial services industry.
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We are committed to solving the affordability problem for digital shoppers in India by financing instantly, at the checkout @ZestMoney with @Flipkart.
@ZestMoney will allow @Flipkart consumers to access finance options at 0% interest for the tenure of three months @PratikBhaktaET.
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It's our birthday 🎉🤸♂️🎂 yippeeeee.
We turn 6️⃣ today 🎉. 6 years of overcoming challenges, learning, growing, and most importantly - our relationship with you 💚. #ZestNowPayLater
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Millennials and Gen Z are loving the ease and convenience of BNPL. We saw 2X growth in millennials and 3X growth in Gen Z using BNPL. 🤩. Female customer base was up by 143% ♀️. Tier II and III cities continue to drive demand for #BNPL
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200 Glaswegians surrounding an immigration van for 8 hours until they released their two Punjabi neighbors was just the clip I needed to see today. 🙏.
Nothing is more beautiful than solidarity. In response to a Home Office immigration raid during Eid, the people of Glasgow mobilised, fought back and got their neighbours released 💕.
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As in so many areas of #Fintech, India is already way ahead of the US 🇮🇳. @amazonIN have been offering #BNPL products via @ZestMoney and @CapitalFloat for years 😀.
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Flexible-working . Unlimited sick leaves. Learning allowance for online courses. Generous insurance for self + 3 (+ parents) . PTO for mat/pat/adoption. Masterclasses with industry gurus. 24/7 Mental health support for self + family . Free stipend on @ZestMoney for shopping 🤩.
What are some amazing people policies at your company that make teams' lives better?.
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@procamintl you may as well add a pack of cigarettes to the goodie bag next time 🤦🏼♀️.Indian athletes deserve better 💪🏼🇮🇳 .#TCS10k
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Absolute honour and privilege to represent Indian Fintech and all those working on Digital Public Infrastructure in this market at the @g20org event with @BillGates, @AshwiniVaishnaw and fellow female founders. Thank you @amitabhk87 for this experience 🙏.
Digitalization has the power to create a more equitable society. Pleased to have @AshwiniVaishnaw, @BillGates & women tech leaders @UpasanaTaku, @ChapmanLizzie, @MabelChacko at today's Digital Public Infra. panel. @g20org has prioritised women-led development & women in STEM.
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@AnubhutiTrust providing relief to migrant and nomadic workers. Focus on pregnant women. 8/n.
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We believe India will be the largest #BNPL and #EmbeddedFinance market in the world. More market cap will be created in India than anywhere else in the coming times. These will be India categories 🇮🇳.
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By making life more affordable, @ZestMoney makes many more people credit worthy. #MakingLifeAffordable #ZestLife.
Lizzie Chapman, the co-founder of #fintech #startup @ZestMoney, which specialises in digital consumer lending, says the company is likely to hit an annual run rate of Rs 4,000 crores by the end of this year: | By @itsmerajiv_07
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I can't stop raving about my @myblissclub leggings. The branding is on point and they have FOUR pockets. 😂 #ifyouknowyouknow
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If #BNPL was a feature, @Square could have built that feature. They didn't, they bought a brand and the hard earned trust of millions of consumers.
We like "embedded fintech", but remember AfterPay wasn't worth $29 billion just bc they were embedded, but also b/c they are a trusted brand with 91% repeat customers. Brand matters in fintech, even (sometimes esp) when you're embedded.
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Woohooo - massively oversubscribed IPO for @IndiaMART (love that the employees feel as bullish as the street). I've learnt so much over the last few years from @DineshAgarwal and team about how to build a profitable, scalable business and loved brand. #Grateful 🙏.
Thanks everyone for the immense .interest in @IndiaMART #IPO.🙏🙏🙏🙏🙏🙏🙏.close to 36 times oversubscribed .total bids of over 9400 crores for a 475 crore issue .@ChapmanLizzie @rajeshsawhney
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But in India this was never the story. In India it's about banks, NBFCs and Tech companies working *together* to drive inclusion and affordability. This is why India will be the biggest market in the world for digital financial services 🚀🚀🚀🇮🇳.
Mea Culpa.
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Really 😭 reading this. what a day for the ecosystem. Thank you @deepigoyal and @zomato fuelling all our dreams🙏. "But I hope that the fact that we are here, inspires millions of Indians to dream bigger than we ever have" 🇮🇳.
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Excitingly, 2021 will stand out as a year that saw #D2C brands take to BNPL in a big way! We saw our D2C merchant base grow 10X in 2021. Legacy brands are upping D2C game too and affordability is key to driving sales. D2C + BNPL will be a match made in heaven this year 😘.
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The next 10 years will see the biggest value creation, innovation and impact the world has ever seen coming from #DigitalIndia 🇮🇳🇮🇳. Honoured and grateful to serve the nation and my fellow dreamers 🙏.@anilarch.
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Awesome event tonight, getting ready for #IndiaFintechFestival. Can't express what an exciting moment in history we are all witnessing and contributing to. Digital financial services will change the way economies function and India is leading the way. #grateful 🇮🇳.
An invigorating session this evening with the Fintech industry's finest: @gdhinduja @nikhilkumarks @pankaj @ChapmanLizzie & @VikramV23. Stay tuned for more. #foundersfirst #fintech @CapitalFloat @ZestMoney @GooglePay
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"If you are building tech or a platform to disburse money. it is equally important to build a stronger solid platform to collect the money back".@ZestMoney.
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Alert 📢: very cool collab from @ZestMoney X @ICICIBank . Now ICICI account holders can use @ZestMoney on a bunch of their favourite online brands
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Proud to partner with market leader @PineLabs to change the way retail works in India 🇮🇳.Bringing affordable easy financing to a physical store near you soon 😍.#EMIforEveryone #MakingLifeAffordable @ZestMoney @amrishrau @_vickybindra.
Asia’s leading merchant commerce platform @PineLabs and @ZestMoney, the fastest growing consumer lending #fintech company are partnering to offer instant #credit to customers at the point of sale. @chapmanlizzie @rush2yyz @amrishrau
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Excited 🚀🚀🚀.
WORK UPDATE: After 5 exciting years at @ETNOWlive and tracking tech closely. I am moving on to lead Communications at @ZestMoney. Have made some great friends along the way. This has been a memorable journey. Super thrilled for the new innings!. PS: Will miss the camera😄
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According to SBI Card prospectus: The average number of credit cards outstanding per 100 persons in India was 2.2 as compared to 320.0 in the United States, 42.0 in China and 73.0 in Brazil 💳.
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And for business WOMEN? Or is it still 1950s? And to think this was a budget delivered by a woman @nsitharaman. Shame on @EconomicTimes 😔 @vijayshekhar.
These are prefect winning strategies! Many applauds for our FM @nsitharaman to take such powerful decisions. 👏🏼👏🏼.These will bring long term benefits and make India a super large economy. 🚀 🇮🇳 .Onwards and upwards.
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Loving @HabbitHealth 50 cal high protein ice cream. First of its kind tech and surprisingly good taste
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