Manual of S&E - Merged

ZEAL EDUCATION SOCIETY’S
ZEAL COLLEGE OF ENGINEEIRNG AND RESEARCH,

NARHE, PUNE
DEPARTMENT OF INFORMATION TECHNOLOGY

ENGINEERING
SEMESTER-VI
[A.Y.: 2022 - 2023]
SUBJECT: STARTUP AND ENTREPRENEURSHIP

(414453)
GUIDE BY
PROF.WRUSHABH S. SIRSAT
STUDENT NAME: -
ROLL NO: -
SUBJECT
STARTUP AND ENTREPRENURSHIP MANUAL
ZEAL EDUCATION SOCIETY’S
ZEAL COLLEGE OF ENGINEEIRNG AND RESEARCH,

NARHE, PUNE
DEPARTMENT OF INFORMATION TECHNOLOGY

ENGINEERING
SEMESTER-VI
[A.Y.: 2022 - 2023]
Certificate
This is to certify that the assignment of
Startup And Entrepreneurship

is a Bonafede work and it is submitted to the
Savitribai Phule Pune University, Pune
By
Student Name
in the partial fulfill ment of the requirement for the award of degree of Bachelor of
Engineering in Information Technology , during the academic year 2022-2023 under
my guidance.
Prof. W. S. Sirsat Prof. B. A. Chaugule

(Assistant Professor ) (Head of Department)
Institute and Department Vision and Mission
INSTITUTE To impart value added technological education through pursuit of

VISION academic excellence, research and entrepreneurial attitude.
M1: To achieve academic excellence through innovative teaching

and learning process.
INSTITUTE M2: To imbibe the research culture for addressing industry and
MISSION societal needs.
M3: To provide conducive environment for building the

entrepreneurial skills.
M4: To produce competent and socially responsible

professionals with core human values.
DEPARTMENT To emerge as a department of repute in Computer Engineering

VISION which produces competent professionals and entrepreneurs to
lead technical and betterment of mankind.
M1: To strengthen the theoretical and practical aspects of the
learning process by teaching applications and hands on practices
using modern tools and FOSS technologies.
M2: To endeavor innovative interdisciplinary research and

DEPARTMENT entrepreneurship skills to serve the needs of Industry and Society.
MISSION
M3: To enhance industry academia dialog enabling students to
inculcate professional skills.
M4: To incorporate social and ethical awareness among the

students to make them conscientious professionals.
Department
Program Educational Objectives (PEOs)
PEO1: To Impart fundamentals in science, mathematics and engineering to cater the

needs of society and Industries.
PEO2: Encourage graduates to involve in research, higher studies, and/or to become

entrepreneurs.
PEO3: To Work effectively as individuals and as team members in a

multidisciplinary environment with high ethical values for the benefit
of society.
Savitribai Phule Pune University
Final Year of Information Technology Engineering (2022 Course)
414453: Startup and Entrepreneurship Practice
Teaching Scheme: Credit Examination Scheme:

PR: 03 Hours/Week 03 TW: 50 Marks
Course Objectives:
1. To encourage students to build new technology, knowledge system based on innovations
and can address local challenges.
2. Creating environment to innovate and build products towards sustainable development
goals.
3. To provide platform for speedy communication and market reach of technology/ product
developed by students.
4. To have start up ecosystem by bridging the gap between academia, industries and financial
institutions, government support
Course Outcomes:
On Completion of Course students will be able to: -
1. able to understand key concepts and framework of innovation and start-up ecosystem.
2. gain knowledge of how to develop start up ecosystem, its key components and how to
influence and manage dynamics between them and increase the productivity of ecosystem.
3. understand the role of different stakeholders in ecosystem in building and supporting
growth of start-ups.
4. have insight into global trend in start-up ecosystem and product development.
5. mapping different start-up ecosystems and developing performance indicators.
List of Assignments
SR.NO TITLE PAGE NO.

1 Study of start-up opportunities using CRED Business Model
• Payment Setting Company.
• Marketing Strategies.
• Government Permissions
2 Study of e-commerce company Indiamart focusing on competition
analysis and competitive advantage via its web portal.
• Find Buyers & Suppliers Online.
• ERP
• Financial Planning.
3 Write generalized proposal for startup business model considering
risky assumptions related to product, market, business and
execution capabilities.
• Can Refer to drone sensing Company as case study
• Make report of Business Model.
• Visit any one site of start-up.
• Do survey of different company.
4 Demonstrate complete Online Application Process for applying
under Prime Minister Employment Generation Programme
(PMEGP) or CMEGP (Chief Minister Employment Generation
Programme).
• Make project report (Ex. Food Industry) to apply above any one
Employment Generation Programme
• Or develop same report based on student’s ideas.
5 Site visit to study nearby startup to know requirement of manpower,
Sales, Expenses and profitability and prepare visit report.
• Understand and make document on how employee appointed as
per need.
• Know the salary and post given to the employee.
6 Study of Ministry of Corporate Affairs (MCA) services related to
marketing strategy for digital marketing, use of social media in
concern with start-up and entrepreneurship.
Must to know about digital Marketing concept:
• SEM
• SEO
• SMM
414453: STARTUP AND ENTREPRENEURSHIP
Class: BE(IT)
Assignment No: 1
Question: -
Study of start-up opportunities using CRED Business Model
• Payment Setting Company
• Marketing Strategies.
• Government Permissions
Research: -
What is CRED?
CRED is a fintech startup that provides users with a platform to pay their credit dues,
rent and other bills, all in one place while earning additional rewards for doing so on
time. It provides users with an instant credit line and enables a safe space for P2P
lending between high trust individuals at interest rates which are way more beneficial
than the traditional lending sources.
The Idea Behind CRED Business Model
A brainchild of Kunal Shah, CRED was launched in April 2018, with the idea of
capitalizing on the industry of high trust individuals who would be rewarded for their
responsible financial behavior.
The idea behind CRED is to create a gated ecosystem of high trust credible
individuals and eventually build ways for them to link and connect with one another.
It is a credit-based ecosystem that provides a safe space for individual lenders and
financial institutions to lend money to trustworthy individuals.
It uses the creditworthiness of individuals in the form of their credit scores as a

measure to filter the community. Then to retain customers, it rewards them in the
form of CRED coins if they make timely payments through the platform.
CRED’s Value Proposition
Famous for its excellent user experience, CRED’s business model stands out by
providing the following value to its customers:
• It is an all-in-one application for paying credit dues, rent and other bills in just
five taps. It reduces the hassle of handling multiple credit cards by making the
process tremendously simplified, easy and convenient.
Department of Information Technology Engineering, ZCOER, Narhe, Pune-41

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Class: BE(IT)
• It provides users with an instant credit line and facilitates P2P lending at an
interest rate of 9% to lenders, which is way more than what savings accounts
and deposits usually offer.
• It records loan caps, analyses hidden costs and overall expenses of the users
and tracks due dates and sends them timely reminders to make payments.
• If users make timely payments, it rewards them with CRED coins which they
can redeem on the platform ‘Discover’ to avail discounts on different products
offered by CRED partners.
• Users can also calculate their credit scores for free and use CRED’s help to
maintain a good credit profile and make good financial decisions.
Most importantly, CRED is a niche community of high-trust creditworthy individuals.

It works along the lines of the velvet rope effect, where people ‘pay together and can
play together’. This creates a social network with a tremendous scope of connecting
people with a realm of other possibilities!
Marketing Strategy of Cred

Cred has several different marketing strategies. Some are viral marketing moves while
others are as simple as releasing simple finance-related blogs and rewarding users
with cashback and discounts.
But every strategy has two things in common, uniqueness and the ability to create
brand awareness & brand recall.
Cred has partnered with the Indian Premier League (IPL) as an associate sponsor for 3
seasons and most of the marketing activities done by Cred are also during the time
IPL kicks off. They organize social media contests, marketing campaigns and
advertisements. This helps the brand gain more exposure and create trust among the
general public.
So let us now go through its marketing strategies in greater detail in the coming
sections.
Banking on Viral Marketing Moves

Viral marketing or moment marketing is doing brand related promotional activities by
utilizing the latest trends and memes in the zeitgeist to gather instantaneous attention.
Sending Cakes – A Customer Acquisition Strategy using Existing Users

Imagine it’s a Tuesday and you’re working on your boring day shift job and suddenly
out of nowhere, you receive a cake as a reward for paying bills. Delighted, isn’t it?
Yes, that’s what Cred did. In 2019, Cred attempted this customer acquisition move,
targeted towards colleagues of existing users.
All it did was sending a cake to the user’s workplace, making every colleague
eventually ask “who sent you this cake?” to which the user naturally replied, “Cred,
it’s an app for paying bills” and thus generating guaranteed app downloads.

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Class: BE(IT)
Government Permissions
This Privacy Policy explains how we collect, use, process and disclose
information about you. By using our website/app and affiliated services, you
consent to the terms of our privacy policy (“Privacy Policy”) in addition to
our Terms of Use. We encourage you to read this Privacy Policy regarding the
collection, use, and disclosure of your information from time to time to keep
yourself updated with the changes & updated that we make to this Policy .
This Privacy Policy describes our privacy practices for all websites, products
and services that are linked to it. However, this policy does not apply to those
affiliates and partners that have their own privacy policy. In such situations,
we recommend that you read the privacy policy on the applicable site. Any
capitalised terms not defined hereunder shall hold the same definition as
provided under the Terms of Use.
Information we collect
The following information is collected by or on behalf of CRED.
1.1 Information You provide us
When you start using the CRED App, we ask you to provide certain
information as part of the registration process, and in the course of your
interface with the CRED App. We will collect this information through
various means and in various places through the CRED App, including
account registration forms, contact us forms, or when you otherwise interact
with CRED including at customer support.
At the time of registration, we ask for the following personal information.

Name (First Name, Last Name); Mobile Number; Email ID; Date of Birth;
PAN Card.
Pursuant to the services consumed by You from time to time, we may

explicitly seek additional information including address, payment or banking
information, credit score, credit/debit card details and any other governmental
identification numbers or documents. You may choose to provide such
information if you wish to use the services provided by the App.
We will also maintain a record of the information you provide to us when

using customer support services.

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Class: BE(IT)
From time to time, during your use of the CRED App, CRED may require
access to certain additional information such as SMS and contact details.
Prior to accessing any such additional information, explicit consent shall be
sought from you. Please note that even after consent has been provided by
you, we only read transactional or promotional SMS and do not open, access
or read any personal SMS.
Certain features may be restricted, unavailable or unusable if you choose not

to provide certain information. For example: You would not be able to
complete e-commerce transactions involving delivery if you choose to not
share a delivery address. CRED may require you to provide PAN details
before claiming certain rewards.
1.2 Information created when You use the CRED App
We collect information relating to your use of our website/app through the

use of various technologies. This includes transaction details related to your
use of our services including the type of services you requested, the payment
method, amount and other related transactional and financial informatio n.
Further, depending on the rewards claimed by you or e-commerce orders
placed by you, we may also collect the order details, delivery information etc.
Further, when you visit our website/app, we may log certain information such
as your IP address, browser type, mobile operating system, manufacturer and
model of your mobile device, geolocation, preferred language, access time,
and time spent. We will also collect information about the pag es you view
within our sites and other actions you take while visiting our website/app.
We also maintain some records of users who contact us for support, for the
purpose of responding to such queries and other related activities. However,
we do not provide this information to any third party without your permission,
or utilize the same for any purposes not set out hereunder.
1.3 Information We Collect from Third Parties
We may, on your consent, request certain third parties to provide information

about you to further personalize your experience on our website/app, and
provide certain services that cannot be accessed by all users of the
website/app.
CRED is currently open only to credit card holders, who have a credit score
greater than or equal to 750, independently determined by third party service
providers that are expressly authorised by you to process such information
and distribute the same. For example, CRIF and Experian which are credit
information companies registered under the Credit Information Co mpanies
(Regulation) Act, 2005 are among our partners. In order to ch eck if you meet

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Class: BE(IT)
the above eligibility, you will be requested to provide us with explicit consent
to procure the credit information, from our partners, at the time of
registration.
In order to access CRED Mint and CRED Cash services, you will be required
to complete KYC processes which may involve CRED along with its partners,
fetching your KYC data from one or more KYC registries.
If you choose to link and connect your email account with C RED, we may
access the said account for purposes including collecting your credit card bill
details such as total amount due, minimum amount due and due date, and such
other financial and transactional information to be able to do the following:
1. Manage all your credit card information at one place including reminding
you of the payment due before the due date;
2. Curate offers and rewards customised for you;
3. Provide an insight into your spending pattern(s) to ensure you are aware of
your spending and can make wiser decisions basis the same;
4. Identify utility billers and insurers / insurance service providers you

transact with to fetch your utility bill and/or insurance details; and
5. Curate specific financial/investment/other products for you based on your

financial transactions, investments, and past financial behav iour.
CRED’s access to the email account(s) is authorized through the email

provider’s access mechanism. If you permit the CRED website/app to track
your credit card accounts, the CRED website/app will securely store account
details for each of your email accounts, including your sign-in user name and
authorisation tokens for tracked accounts.
Conclusion: - Cred is an innovative fintech company that aims to bring

about a change in the mindset of Indians with respect to credit cards and
personal finance. It is currently focusing on the particular niche of credit
benefits and aims to take the first movers’ advantage in the category.

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Class: BE(IT)
Assignment No: 2
Question: -
Study of e-commerce company Indiamart focusing on competition analysis and
competitive advantage via its web portal.
• Find Buyers & Suppliers Online.
• ERP
• Financial Planning.
Research: -
IndiaMART is India’s largest online marketplace connecting buyers and suppliers.

The online channel focuses on providing a platform to SMEs, large enterprises as well
as individuals. Founded in 1996, the company’s mission is ‘to make doing business
easy’.
The platform currently has more than 2.6 Crore buyers, 22 Lakh suppliers and 3.3
Crore products listed on its platform. The company registered a revenue of Rs 300
Crore in FY 2015-16.
IndiaMART has over 3600 employees located across 65+ offices in the country, with
customers spanning across 200 nations. Its existing investors include Intel Capital,
Amadeus Capital, West Bridge Capital & Quota Capital.
IndiaMART.com has won numerous awards and significant nominations over the
years, which include coveted Red Herring Award and Emerging India Award
respectively among others. The company has also been widely covered by media for
its pioneering role in promoting SME business in the country.
Product Description
Competitor Analysis is a marketing and strategic activity carried out to identify the
strengths and weaknesses of your current and potential competitors. This gives you an
insight on how you are placed with respect to your competitors.
Competitor Analysis begins with preparing a comparison list. This includes:
Who your competitors are
What pain areas are you and your competitors addressing
The key success areas of your competitors
The key success factors of your competitors

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Class: BE(IT)
HowRV-iWebsite will help your business RV-website will help increase your
advantages over your competitors by providing qualitative and quantitative inputs.
Our experts do the analysis and provide you with feedback on optimizing your
ecommerce business.
Our competitor analysis service includes:
• Website benchmarking
• Marketing benchmarking
• Proposition benchmarking
Competitive advantage
Competitive advantage is not about how good you are but about whether you’re
faster, better, or cheaper than competitors in your particular market. SakthiSai assists
you to create a competitive advantage through our tailor-made training and
development programs. Our solutions enhance efficient trained workforce to increases
productivity.
Training sessions with a wide range of programs from Specific Skill Development,
on-boarding first hand trainings as well as Simulation modules are delivered by our
expert team of trainers with diverse industry experience.
ERP
Built on the foundation of a collective experience of over a century of the team ready
to leverage the multi domain expertise towards delivering extreme value for the
Clients, Partners, Stakeholders, and Employees. We are an advanced digital company
offering cloud and mobile: ERP solutions, POS, CRM, E-commerce, Website, and
Mobile Applications with unique customization to various spectrum of businesses
from Retail, wholesale, distribution to Manufacturing.
We have specialized R&D team who are passionate to create products in a unique
way with latest technology, design, and simple user interfaces bringing extreme
Customer Delight. TeckZy's products and solutions are tailormade for its Customers
to derive extreme value and RoI. TeckZy integrates all of your business systems into
one easy to use platform giving complete control of your Automation and Information
needs.We at TeckZy go to extreme lengths to understand our clients pain areas, their
needs for Automation, their needs for Timely Information and their needs to Save
Costs, Improve Productivity, Generate Revenues/Business, Get Maximum Reach. Our
Solution centric approach will ensure that your business needs are well understood
and our enhanced engagement through the entire development cycle will make sure
that your Business Objectives are achieved.

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Class: BE(IT)
We at TeckZy go to extreme lengths to understand our clients pain areas, their needs
for Automation, their needs for Timely Information and their needs to Save Costs,
Improve Productivity, Generate Revenues/Business, Get Maximum Reach. Our
Solution centric approach will ensure that your business needs are well understood
and our enhanced engagement through the entire development cycle will make sure
that your Business Objectives are achieved.
Financial Planning.
Common investors in the stock market routinely rely on tipsters and manipulators,
little realizing that most ‘experts’ are sadly innocent of sound investment
knowledge. view of stock market investments is that in a boom, you do not need the
advice of experts to make money. Any trash you buy will appreciate. In a recession,
the advice of the best experts cannot prevent you from losing money.
Should then, a self-respecting investor keep away from the stock market? The answer
is an emphatic NO! The stock market is a legitimate avenue of investment. Equity
and real estate are the only two avenues of investments that have consistently beaten
inflation and genuinely enhanced wealth of investors in the long run. It would be
difficult to find another avenue of investment that offers better returns, to a sensible,
patient and disciplined investor, than the stock market. The problem is, stock markets
also provide facilities for speculation. Often, we pervert this genuine investment
avenue into a purely speculative avenue. Most investors fall prey to the temptation of
quick riches via speculation. In the process, they almost always encounter quick
poverty. Today, day traders, margin traders and punters in the derivatives markets
embody the essence of what a genuine stock market investor should not be!
No one can predict the stock market in the short term. In the long run, predicting the
market is absurdly easy. In the long run, the market always goes up, and the rate of
growth beats inflation by a comfortable margin. Therefore, for long term investors,
the stock market is a genuine avenue of wealth enhancement. So how do
you invest in the stock market? The following model may be worth a try:

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Class: BE(IT)
SIX RULES AND A RECOMMENDATION
1. Diversify across 10 to 20 major economic/industry sectors.

2. Select only the top blue chips from each sector, aiming for an ultimate portfolio of
approximately 60 stocks and 20 sectors. The BSE-200 index provides a basic basket
for stock and sector selection.
3. Allocate equal amounts to each sector.
4. Reinvest dividends, don’t spend them.
5. Review the portfolio at least once in three months, making additional purchases
upon a drop of 25% in the index from the date of investment, and if need be,
liquidating the portfolio wholly or partially, when targeted returns are achieved.
6. The time horizon for equity investments is at least five years.
Recommendation: Systematic investment and systematic transfer plans are

highly recommended, both for equity as well as equity mutual funds.
Conclusion: -In Indiamart.com, it’s an opportunity to explore potential. By

preparing extensive research reports we have attained fundamental
knowledge of online promotional services, its scope and its importance in
coming years.

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Class: BE(IT)
Assignment No: 3
Question: -
Write generalized proposal for startup business model considering risky assumptions
related to product, market, business and execution capabilities.
• Can Refer to drone sensing Company as case study
• Make report of Business Model.
• Visit any one site of start-up.
• Do survey of different company.
Research: - Developing innovative business models cannot be limited to

brainstorming sessions. The study of business models plays an important role in the
first stages of development of startups; mainly because these models are responsible
for connecting the created value with its commercialization in the market
(Chesbrough 2010; Teece 2010). Given its important role, the conception of a strong
business model cannot be narrowed to discussions about its elements, and the
adoption of useful tools only for representing it (Euchner and Ganguly 2014).
Some startups fail by several possible reasons, even with: the presence of market
opportunities, adequate resources, and innovative ideas. An explanation for that could
be related with the business model driving the venture (Chesbrough 2010; Teece
2010; Morris et al. 2005). Business models play a fundamental role in the success of
innovation, which requires the formulation and articulation of a relevant
business concept, as demonstrated in Aranha et al. (2015) to service innovation and in
Zilber and Araujo (2012) to e-business adoption.
The literature presents some tools that enable creating representations of these kinds
of models, which may help the entrepreneur on making hypothetical representations
of a given business model. Nevertheless, despite some recent studies dealing with the
assessment and development of business models (Euchner and Ganguly 2014), there
is still a lack of studies in that direction. According to Kijl e Boersma (2010) "[...]
most of current literature is focused on business model design only, whereas there is
almost no attention for business model validation and actual implementation of and
experimentation with business models". The research question within the context
presented above is how to assess the performance of a business model.
In order to answer the research question proposed, even if hypothetically, the studies
of Osterwalder (2004) are taken as a starting point: the possibility of combining the
practices of Balanced Scorecard (Kaplan and Norton, 1992) and his business model
ontology (which would later evolve to become the Business Model Canvas)
(Osterwalder and Pigneur, 2009).
In other words, the hypothesis established for this project is the possibility that the
combination of both these methods (Balanced Scorecard and Business Model Canvas)
may result in a method for assessing a ventures business model performance. In
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Class: BE(IT)
Osterwalder (2004) there is no delimitation suggested for testing and applying

this hypothetical method, inferring its global application. However, this article, as a
first approach of the problem situation, will limit the hypothesis verification in startup
ventures.
Although there is certain complexity in defining the concept of a startup, the option is
made regarding the intrinsic relation between business model innovation and the life
cycle of startups. This kind of organization reaches its potential only after testing its
technology and/or business model in the market (Hyytinen and Maliranta, 2011).
From such perspective, and for allowing us to reach the aim of adapting a method for
the assessment of business model performance, this work will seek to:
• Study the main concepts of Business Model Canvas and Balanced Scorecard,
via bibliographical research, enabling verification of the theoretical adherence
between both.
• Provide a roadmap approach to the method developed, targeting the
replicability of this study.
• Carry out a case study in a startup venture with the purpose of presenting a
first application instance for this experimental method.
2. Theoretical adherence and conceptual proposals
The discussions about the conceptualization of business models, their role and
elements have become major points for debates. Notwithstanding, the literature
expresses certain concern around the lack of consensus (Morris et al. 2005).
In order to meet the purpose of this work, the adoption of elements on the subject was
necessary. Thus, the Business Model Canvas, a tool developed by Osterwalder and
Pigneur (2009), was adopted as the meta-business model (business modeling method).
The Business Model Canvas divides a business model into nine blocks, providing
an integrated visual representation that facilitates the discussion and the debate about
the business (BERTELS et al, 2015).
Such option resulting from the following reasons: (1) It is the most widely used tool
for developing and analyzing business models, as expressed in Bertels et al. (2015);
(2) For its availability for representing a business model (Euchner and Ganguly 2014);
(3) For its theoretical adherence to a performance assessment method, the Balanced
Scorecard, given its origin in the thesis of Osterwalder (2004); and (4) For its capacity
to support the creation of a startup (Zaina and Álvaro 2015).
The performance measurement system, Balanced Scorecard, is presented in Kaplan

and Norton (1992). It was initially designed as a performance measurement tool, and
later evolved as a way to implement the strategy by creating alignment and focus.
This system allows the inclusion of financial and non-financial measurements,
through four perspectives: financial, customer, internal business process and learning
& growth. The success of the four perspectives relies on the fact that the perspectives
themselves and the measures chosen are consistent with the corporate strategy
(Fernandes, Raja and Whalley 2006).

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Class: BE(IT)
Osterwalder (2004) considered that these perspectives were suitable as a starting point
for the creation of his business model ontology. His studies would later evolve and
take the current format, introduced as the Business Model Canvas. Considering the
logic presented, Figure 1 seeks to show the relation among the nine blocks of
Business Model Canvas, overlapped by the four perspectives of the Balanced
Scorecard.
Figure 1. The nine blocks of the Business Model Canvas, overlapped by the four
perspectives of the Balanced Scorecard.
Other notable examples of performance management tools could be considered for a

possible integration with a business model. As examples may be referenced the
performance measurement matrix (Keegan, Eiler and Jones, 1989), the performance
pyramid (Lynch and Cross, 1991) and the performance prism (Neely et al.,
2002). However, the Balanced Scorecard was the performance management method
selected, especially for this conceptual compatibility with the Canvas, presented in
Osterwalder (2004). Besides the compatibility, the scalability feature of the Balanced
Scorecard also show up as factors contributing to the proposed work. In the words of
Savioz and Blum (2002): "The scalability of a balanced scorecard makes it interesting
and applicable for any company."
As the Balanced Scorecard has the ability to transform into action the business
strategy through a well-defined process (Fernandes, Raja and Whalley 2006), is

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Class: BE(IT)
purpose of this work suggest steps that business models can also be translated into
action.
Startups involved in drone technology
India is focusing more on being self-reliant. Defence Minister Rajnath Singh, while
addressing the audience at an industry event, revealed that the government is aiming
to bring down defence imports by at least US$2 bn by next year.
India has more than 190 defence tech startups building innovative tech solutions to
empower and support the country's defence efforts.
Here are a few of them involved in drone technology.
EyeROV - Founded in 2016 by Johns T Mathai, and Kannappa Palaniappan P,

EyeROV is currently developing India's first commercial underwater drone for remote
inspection of offshore assets.
Vinveli - Iowa and Chennai-based Vinveli is building indigenous drones for special
forces under the Ministry of Home Affairs.
ideaForge - This drone startup claims to have over 90% of the market share in the
security and surveillance segment.
The company is involved in manufacturing drones for defence, homeland security,

and industrial applications.
2.1 Conceptual roadmap steps proposal
Based on the theoretical study of the presented tools, a method comprising five steps
was established, providing a roadmap application in compliance with the guidelines
determined for this study. It has also shown to be appropriate the use of the Balanced
Scorecard concept for the determination of iterative processes. Figure 2 shows the
roadmap of the method proposed in this article.
Figure 2. Flow for the development of the evaluation method of business model
performance.

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Class: BE(IT)
Step 1 - Representation of the choices of the startup's business model: For Step 1,
one should avail of the study of Osterwalder and Pigneur (2009). However, there is no
script with predetermined steps guiding the development of the Business Model
Canvas. According to Osterwalder (2004), the order in which one fills out the
business model enables a wide range of possibilities. The Business Model Canvas
depends, above all, on the understanding of the meaning of each block, and on how
the combination of these blocks develops the logic representation of the company's
business model.
Step 2 - Selection of performance indicators: As noted in the studies of Kaplan and

Norton (1996), Balanced Scorecard performance measures are designed from the
understanding of the organization's strategy. The same should occur when stipulating
indicators for a business model's choices. The indicators must be designed to provide
a means of measuring the performance of each of the choices of each block of the
Business Model Canvas. It is important to point out that the Balanced Scorecard does
not have a group of generic performance measures. In the proposed method indicators
should be linked to the choices made in each business model of the block. As well as
the balanced scorecard indicators are linked to goals. It is not known a study that
shows performance indicators that are generally accepted by academics and managers

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Class: BE(IT)
to assess the business models of performance. Such studies exist to specific areas as
shown in Molina-Castillo and Munuera-Aleman (2009). Thus, from the moment
an organization defines its business model, it also has its particular set of relevant
indicators to select. One may find similar indicators among different companies;
however, that does not imply the existence of generic indicators. It is also worth add
that we share the concept of Molina-Castillo and Munuera-Aleman (2009) that
managers do not attach the same level of importance for different performance indica-
tors. It would be relevant in this context and, along with other factors of the practice
of choice of performance indicators, a more accurate study on how to determine the
selection of indicators for the proposed method.
Step 3 - Current measurement of selected performance indicators: Once the

indicators have been defined for each of the choices of the business model, it is up to
the organization's executives to measure them. For the application of the Balanced
Scorecard it is important to consider that not all the data for evaluation will be derived
from the same source: important data can be spread throughout the organization. To
reduce errors of collection of such data, it may be highlighted the relevance of it being
centralized at the highest possible level of the company. It is important not to
underestimate the effort and energy required to maintain the evaluation indicators. As
much as the company's information system is computerized and integrated, there will
always be necessary compilation work and analysis (Kaplan and Norton, 1996).
Step 4 - Creation of goals for the selected performance indicators: The Balanced
Scorecard requires performance targets to demonstrate the evolution of its strategy.
The same should be done in this method to demonstrate the business model
performance improvement. The need to set goals is to demonstrate if the business
model follows the direction in which the company and its stakeholders want.
According to Dewagan and Godse (2014), meet the needs of multiple stakeholders is
especially important given the complex ecosystem in which companies work today.
Thus, performance indicators should be aligned to organizational goals. It would be
incongruent to determine, therefore, incompatible goals with reality and with the
environment in which the business model is inserted.
Step 5 - Establishment of initiatives to reach the targeted goals: In the Balanced

Scorecard, once defined the goals to be met, i.e. required to achieve the strategic
objectives, the planning of initiatives must be executed. The initiatives should be
planned similarly to the business model performance assessment method; i.e., the
establishment of the desired goals should seek to find ways, actions, and initiatives
that enable the achievement of such goals.
Figure 3. Generic Scoreboard of business models performance analysis.

Page 15
Class: BE(IT)
survey of different company

#1 Info Edge (India)
Info Edge (India) has made investments in Bengaluru-based Skylark Drones.

In July 2021, Skylark Drones raised US$3 m (about Rs 220 m) in its pre-Series A
funding round co-led by Info Edge Ventures and Indian Angel Network (IAN) fund.
Swiggy has partnered with Skylark to test out its drone delivery system.
Founded in 2014, Skylark Drones provides work-site intelligence to enable accurate

business decision-making using drone data.
The company has offices in the US and India, and it claims to be helping 100
enterprise clients, who have processed over 1 m images and 20,000 autonomous
flights via its platform.
#2 DCM Shriram Industries
In August 2021, DCM Shriram Industries announced an arrangement with Zyrone

Dynamics, a Turkish UAV and drone manufacturer.
Under this arrangement, 30% of the firm's shares were bought by DCM Shriram
Industries for US$1 m, giving it a total valuation of US$3.5 m.
DCM was looking to invest in Zyrone for a long time but due to the pandemic
conditions, the negotiation period stretched to 18 months.
Under the partnership, Zyrone will be providing DCM Shriram Industries with
technological support and both parties will support each other in marketing the
products in India and around the globe.

Page 16
Class: BE(IT)
Zyrone Dynamics specialises in manufacturing small rotary-wing drones. Zyrone

Dynamics has been promoting small drones that it calls 'variable volume' UAVs.
#3 Zen Technologies
Zen Technologies is a leading provider defence training solutions, headquartered in

Hyderabad with offices in India and USA.
The company designs, develops and manufactures state-of-the-art combat training
solutions for the training of defence and security forces worldwide.
The company manufactures land based military training simulators, driving

simulators, live range equipment, and anti-drone systems.
Heavy lift logistics drones (HLLDs) from Zen Technologies offer advanced
capabilities to fulfil the role of providing reliable logistics support in challenging
environments and even in combat situations.
Its share price has spiked significantly after the government notified new rules.
This was after the company informed exchanges that its order book witnessed a
significant surge to Rs 4 bn as on 1 September 2021, as against an order book of Rs
1.9 bn on 30 June 2021.
Conclusion: - The conceptual conditions were created for the application of the
adapted method in a startup company. It was also important to provide a framework to
assist in organizing the implementation of the roadmap, as well as in data collection.
The case study examined the usefulness of the method and found out that by such
adaptation it is possible to evaluate the business model's performance of a
startup. Confirming, therefore, the initial hypothesis proposed in this work and
broadening our understanding of how to solve the research problem posed by this
investigation.

Page 17
Class: BE(IT)
The process of creating the business model of companies still seems to be fairly crude
and subjective. In other words, they restrict the creation of hypotheses for the design
of a business model. The submission of a roadmap application offered procedural
characteristics for the design and development of the business model. The iterative
capability that was attributed to the method during its development might mean the
search for continuous improvement. However, this same characteristic explores the
hypothesis of operating as a mechanism of learning by trial and error, triggering the
discussion among fields concerned with business models innovation.
Finally, the contribution left by this study is enabling a starting point in the search for
methods and tools that allow an objective manner of developing a new business
model, measuring the assumptions made in the sessions that discuss and devise a
business model.

Page 18
Class: BE(IT)
Assignment No: 4
Question: -
Demonstrate complete Online Application Process for applying under Prime Minister
Employment Generation Programme (PMEGP) or CMEGP (Chief Minister Employment
Generation Programme).
• Make project report (Ex. Food Industry) to apply above any one Employment
Generation Programme
• Or develop same report based on student’s ideas.
Research: -
Prime Minister’s Employment Generation Programme (PMEGP) is a credit-linked
subsidy programme introduced by the government of India in 2008. PMEGP is a
merger of two schemes, namely, Prime Minister’s Rojgar Yojna and Rural
Employment Generation Programme. This program focuses on generating self-
employment opportunities through micro-enterprise establishments in the non-farm
sector by helping unemployed youth and traditional artisans.
The Ministry of MSME administers the Prime Minister’s Employment Generation
Programme (PMEGP). The PMEGP Scheme is being implemented by Khadi and

Village Industries Commission (KVIC) at the national level. At the State level, the
Scheme is being implemented through State Khadi and Village Industries
Commission Directorates, State Khadi and Village Industries Boards and District
Industries Centres and banks.
Objectives of Prime Minister’s Employment Generation Programme
• Generation of sustainable and continuous self-employment opportunities
in urban and rural areas of the country

Page 19
Class: BE(IT)
• Providing sustainable and continuous employment to a large segment of
rural and urban unemployed youth, traditional and prospective artisans
through the establishment of micro-enterprises
• Facilitating the financial institution’s participation for higher credit flow
to the micro sector
Eligibility
• Individuals with age of 18 years or more
• Passing standard VIII is required for a project above Rs 5 lakh in the
service sector and above Rs 10 lakh in the manufacturing sector
• Institutions registered under Societies Registration Act- 1860
• Production based co-operative societies
• Self-help groups and charitable trust
Salient features of the scheme
• The Scheme is implemented through Khadi and Village Industries
Commission, State Khadi and Village Industries Commission
Directorates, State Khadi and Village Industries Boards and District
Industries Centres and banks in Urban and Rural areas in the ratio of
30:30:40 between Khadi and Village Industries Commission / Khadi
and Village Industries Boards / DIC respectively
• Assistance under the PMEGP is only available to new units that are to
be established

Page 20
Class: BE(IT)
• There is no income ceiling for setting up projects
• Existing units or units that are already availing any government subsidy
(State or Central) are ineligible
• Any industry including coir based projects (excluding those mentioned
in the negative list) can take advantage of this scheme
• The per capita investment under the scheme should not exceed Rs 1 lakh
in plain areas and Rs 1.5 lakh in hilly areas.
• Maximum project cost Rs 10 lakh in the service sector and Rs 25 lakh in
the manufacturing sector is this limit.
Areas of Operation
Rural area, as stated under Khadi and Village Industries Commission Act 2006 –
Scheme, means the area comprised in any village and includes the area comprised in
any town. The population should not exceed twenty thousand or such other figure as
the Central Government may specify from time to time. In the urban area, only
District Industries Centres (DIC) are included.
Negative list of activities
• Businesses / Industries connected with processing/productions/sale of
meat or intoxicant items like pan/beedi/cigarette etc.
• Businesses/ Industries linked with sericulture, cultivation, floriculture,
horticulture.

Page 21
Class: BE(IT)
• Manufacture of containers of recycled plastic/polythene carry bags of
less than 20 microns
• Processing of pashmina wool and other products which involves hand
spinning and hand weaving which comes under the purview of Khadi
Certification Rule.
• Rural transport (except houseboat, shikara, tourist boat in Andaman &
Nicobar Islands and in Jammu & Kashmir, auto rickshaw and cycle
rickshaw.) CNG auto rickshaw will be permitted only in Andaman &
Nicobar Islands and North Eastern Region of the country with the prior
approval of Chief Secretary of the State on merit.
Margin
The margin money contribution is 5% of the cost of the project for special category
borrowers and 10% for General category borrowers. Illustration: Suppose Miss
Nishitha applies to XYZ bank for Rs 8 lakh loan, the bank might finance only 80% of
the loan amount (ie Rs 6,40,000/-). The balance 20% (ie Rs 1,60,000/-) is called as
margin money and Nishita has to make arrangements for the same.

Page 22
Class: BE(IT)
Project report on food industry
Conclusion: -

Page 23
Class: BE(IT)
Assignment No: 5
Question: -
Site visit to study nearby startup to know requirement of manpower, Sales, Expenses and
profitability and prepare visit report.
• Understand and make document on how employee appointed as per need.
• Know the salary and post given to the employee.
Research: -
Conclusion: -

Page 24
Class: BE(IT)
Assignment No: 6
Question: - Study of Ministry of Corporate Affairs (MCA) services related to marketing

strategy for digital marketing, use of social media in concern with start-up and
entrepreneurship.
Must to know about digital Marketing concept:
• SEM
• SEO
• SMM
Research: -
Start-ups
The term Start-up is mentioned more and more but is often quite unclear (Savey, et
al., 2020), as scholars have various interpretations for the term (Mazzarol, 2015).
With firms spanning from local small-scale enterprises to major tech firms now
identifying themselves as start-ups, the term has evolved over time (Cook. S, 2020). A
start-up has various definitions. It can be defined as an entrepreneurial business
established by one or more founders to produce and sell an innovative product or
service (Investopedia, 2020). As per Laari-Salmela, et al., (2017) Start-up is a venture
that has been in the industry for less than 10 years. As per the comprehensive
literature analysis by Gruber (2004) there are few attributes of the start-ups. The first
and most mentioned attribute is the "newness," the firm in the early stages of growth.
The "smallness" of such businesses is a second feature. The third feature is
environmental volatility, which is expressed in the instability of buyers and profits
(Cited in Ergeer and Sigfridsson 2018). Hence the start-up can be defined as fresh and
small business, founded to market innovative products through limited capital.
As Start-ups are recently established companies, they need to work strategically when
marketing their brands. They ought to use their limited capital, using creative and
unorthodox approaches to achieve momentum (Haereid and Indregård, 2015). Start-
ups must emphasize the economic aspects of marketing, such as social media
marketing, email, word-of - mouth (WOM), etc. Therefore, they must concentrate on
4Is: information, identification, innovation and interaction (Stokes, 2000) instead of 4
Ps (product, price, place, promotion) or 7 Ps (product, price, place, promotion,
process, people and physical evidence) of traditional marketing.
Digital marketing
Over time the phrase "digital marketing" has developed from a particular term that
describes the marketing of goods and services using digital platforms – to a generic
term that describes the method of incorporating digital technology to attract
consumers and create consumer habits, support brands, maintain customers and
improve revenue (Financial Times, lexicon.ft.com cited in Kannan and Li, 2017).
Hence, digital marketing can be described as an agile, technology-enabled framework
by which companies work together with consumers and partners to develop, connect,
generate and retain value for all stakeholders (Kannan and Li, 2017).

Page 25
Class: BE(IT)
Digital marketing is the use of media devices such as mobiles phones, computers and
other devices to reach consumers through social media, websites, search engines,
applications and other methods. Digital marketing has tremendous potential. One of
the key goals of digital marketing is to identify how customers use emerging
technology and incorporate this insight for the advantage of the organization, enabling
the user to communicate more efficiently with their potential customers (S. Teixeira et
al., 2018). It is also possible to boost brand value, attract new buyers and improve
sales using digital marketing. Digital marketing can be online or offline (Bala and
Verma, 2018). Digital marketing is the new era of marketing that started with the
lunch of the internet 1.0 in 1990. Internet marketing is defined as the use of digital
technologies to achieve marketing objectives (Chaffey, 2009). Digital media
marketing is a powerful tool used by organisations and marketing managers to attract
consumers and build brands to succeed (Fulgoni and Mörn, 2009)
Digital marketing strategies

The increasing success of technology-integrating companies in their marketing
strategy draws emphasis to the need for an in-depth analysis of digital marketing
strategies (Gibson, 2018). Having a strategic move to customer-centric marketing
campaigns offers companies the ability to partake in a new era of revolutionary
marketing strategies that leverage digital marketing to fulfill their key marketing
specifications (Gibson, 2018). In every marketing strategy, digital marketing is of
substantial significance to business, irrespective of market, scale or nationality.
Therefore, more than ever, corporations are compelled to leverage this method of
marketing in order to stay successful, which can ultimately offer tremendous
advantages at a low cost. (Patrutiu-Baltes, 2016).
Some of the popular form of digital marketing are:

Pay-per-click
Pay per click advertisement is an advertisement on the internet that is provided by
search engines and social media so that when the consumer is searching for terms
related to the advertisement the advertised product or service appears to the consumer.
This service is charged by the number of people who click on the ad and can be
targeted to a specific demographic or location (Barone, 2020).
Websites
A website is created by organisations to carry information and advertisements to the
consumers. Websites influence consumers' perception about the organisation so the
website must be designed using the latest software’s with high quality graphics.
Websites can be stored for the organisation and also be used to communicate with the
consumer along with providing support (Kolesar and Galbraith, 2000).
Content Marketing
Content marketing uses all marketing formats that aims to engage consumers by the
creation and sharing of content. The content is usually shared on blogs, eBooks,
videos and infographics. This strategy is used to increase traffic to the websites and
build the brand (Pulizzi and Barrett, 2009).

Page 26
Class: BE(IT)
Email Marketing
Email marketing is the use of email to send advertisements to groups of consumers.
Email can enhance the organisation and consumer relationship which encourages
repeat business and customer loyalty. It also helps organisations gain new customers.
This allows a two-way communication with consumers (Adikesavan, 2014). The
problem is that email spam has grown to around 90% of the total email traffic in 2014
(Messaging, Malware and Mobile Anti-Abuse Working Group, 2014).
Social media marketing

Social media marketing is the use of online social media tools to market goods,
services, information and ideas to consumers (Dahnil et al., 2014). These tools enable
organisations to produce information and encourage collaborations between social
media users (Dahnil et al., 2014). It is estimated that around there are 3.6 billion users
of social media globally (Number of social media users worldwide, Statista, 2020).
Viral marketing
Viral marketing aims to exploit existing social networks to make people share product
information with their friends. Some products or services are easier to advertise using
viral marketing as they could be observed or advertised as part of the communication.
Hotmail was one of the fastest growing company’s by using this strategy. They were
able to grow from nothing to 12 million users in 18 months. The reason was that
every e-mail that went through contained an advertisement for the service. There are
many way to increase the effectiveness to viral marketing. A study shows that
repeated interaction will decrease the probability of infection. It also shows that
making customers recommend the product or service by providing excessive
incentives can backfire as it could ruin the credibility of the links. Recommendations
and product reviews effectiveness vary depending on the type and price. Successful
recommendations on religious or technical books were placed in a social context of
schools, workplace or place of worship. (Jurvetson, 2000; Leskovec, Adamic and
Huberman, 2007)
Blogs
A blog is a website that contains written content about a subject. Most blogs allow the
readers to comment on blog post. Blogs provide many advantages where They aid
your marketing strategy. Blogs can improve your presence on search engine
marketing tools such as google and yahoo. They also provide a direct two-way
communication method where you can directly speak with customers. They are also
another channel to present your brand to the consumer (Wright, 2006). Blogs can
create a competitive differentiation as it allows the blogger to tell a story many times
which aids in setting the company apart from other the competition. They also aid 11
in building long term personal relationships with the customer which can promote
trust and aid the company to enter particular niche markets. They are a very good tool
for public relations (Wright, 2006).
Some more forms of digital marketing are:
● SMS Advertisement
● Mobile Commerce Marketing
● Video Marketing
● E-Commerce Marketing

Page 27
Class: BE(IT)
Relationship between Digital marketing and start-ups
The advancement of digital technology is a major incentive and yet an extremely

dangerous challenge to start-ups (Mazzarol, 2015). The potential emerges from the
willingness of Start-ups to leverage emerging technology that were historically open
exclusively to big firms and to use them to thrive in international markets (Mele,
2013). But the challenge is arising with Start-ups incurring losses by not taking
advantage of 12 resources and being less innovative in predominantly digital and
online markets (Mazzarol. 2015).
Start-up companies have limited resources. Hence, they have been creative when
investing in marketing strategies to reach out to the wide consumers groups. This is
when digital marketing comes in handy to start-ups as it's significantly cheaper than
the conventional marketing. The internet commercials can be done in a few hundred
dollars whereas tv ads can cost thousands. Digital marketing platforms like social
media, blogs, viral marketing can be used to reach a wide range of audience. Digital
marketing helps start-ups to attract new target audiences and establish relationships
with them.
Digital marketing also helps engage with the potential clients using different
platforms. As per HMA, (2018)
some of the importance of digital marketing in start-up are:
● Boost their visibility
● Increase online conversion rates
● Reduce their marketing budget
● Generate leads
● Increase Sales
● Develop a brand awareness
● Increase online conversion rates
● Improve customer engagement
● Influence purchasing decisions
● Track their return on investment
SEO: Search Engine Optimization
Search Engine Land defines SEO as “…the process of getting traffic from the ‘free,’
‘organic,’ ‘editorial’ or ‘natural’ search results on search engines.” Essentially, SEO is
the process of optimizing your website through various methods in order to rank
higher for certain relevant keywords on search engines like Google, Bing, and
Yahoo. With effective SEO, your website will appear higher on search engine results
pages (SERPs) due to its positive relationship to that search engine’s particular
ranking algorithm.
There are plenty of ways to improve your website’s SEO for improved organic digital
marketing efforts. Initially, you will want to perform keyword research to learn what
phrases your customers are likely to type into search engines like Google. You will
then want to create engaging, original content for your various web pages that include

Page 28
Class: BE(IT)
these highly-searched keywords. Your website’s efficiency, architecture, and mobile

optimization are other factors that are well-known to be critical in search engine
optimization. Finally, other more nuanced factors like the regular posting of relevant
content, effective metadata, and the correct alt-tags will provide a greater boost to
your site’s performance related to SEO.
SEM: Search Engine Marketing
Search engine marketing (SEM) is related to SEO in that they both deal with digital
marketing outreach on search engines like Google and Bing. However, SEO typically
refers to internal, organic website optimization while search engine marketing is
commonly known as advertising through a paid media budget. While SEO will help
your website traffic increase through natural algorithmic means, SEM earns traffic
through the process of purchasing ads on search engines. In the image to the left, you
will see a search engine results page that is the result of typing the keyword “digital
marketing” into Google. The top four results have a small green box that says “ad”
underneath the primary title link. This signifies paid advertising, or search engine
marketing, where a brand or business has paid Google to display their ads at the top of
the page for that specific keyword.
There are many targeting factors that come into play in this form of digital marketing.
Through search engine marketing on Google Adwords, you can choose the location
and several other factors to improve the efficiency of your paid advertising campaign.
This form of SEM is often referred to as Pay-Per-Click (PPC) advertising.
SMM: Social Media Marketing
SMM refers to both organic and paid digital marketing efforts on social media
networks like Facebook, Twitter, and LinkedIn. Social media marketing
encompasses many different activities and many consider this to be the future of
digital marketing. While social media channels become the hub of activity online in
the modern age, this is where consumers engage each other in conversation.
Furthermore, it’s also the nerve center of business and brand engagement for large
subsets of the population.
Having a Facebook page is almost necessary for digital marketing efforts in the
current online marketplace. Having multiple social media accounts on the right
networks is even better. Moreover, posting relevant content regularly and building
an engaged audience of followers can help grow your business immensely. Finally,
paid social media campaigns have become immensely effective, even rivaling the
similar efforts made on search engines.

Page 29
Class: BE(IT)
Conclusion: - The objective is to research the value and influence of digital

marketing on the competitive establishment and development of start-up
companies. The research is based on the relationship between start-ups and
digital marketing. The study further explored whether digital marketing can
have a major effect on the growth of start-ups, improve brand awareness,
gain customer loyalty and enhance customer relationships. This research
demonstrates that most start-up companies do not perceive digital marketing
strategy when implementing their business plan. They are often reluctant to
invest in such marketing. However, it has a huge effect on business growth
and that it is necessary for start-ups to be involved in the digital media
market. Blogs, content, articles and videos are the most productive for start-
ups, particularly when published on industry specific channels.

Page 30

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ZEAL EDUCATION SOCIETY’S

ZEAL COLLEGE OF ENGINEEIRNG AND RESEARCH,

DEPARTMENT OF INFORMATION TECHNOLOGY

SUBJECT: STARTUP AND ENTREPRENEURSHIP

ZEAL COLLEGE OF ENGINEEIRNG AND RESEARCH,

DEPARTMENT OF INFORMATION TECHNOLOGY

This is to certify that the assignment of

Startup And Entrepreneurship

Prof. W. S. Sirsat Prof. B. A. Chaugule

INSTITUTE To impart value added technological education through pursuit of

M1: To achieve academic excellence through innovative teaching

M3: To provide conducive environment for building the

M4: To produce competent and socially responsible

DEPARTMENT To emerge as a department of repute in Computer Engineering

M2: To endeavor innovative interdisciplinary research and

M4: To incorporate social and ethical awareness among the

PEO1: To Impart fundamentals in science, mathematics and engineering to cater the

PEO2: Encourage graduates to involve in research, higher studies, and/or to become

PEO3: To Work effectively as individuals and as team members in a

Teaching Scheme: Credit Examination Scheme:

SR.NO TITLE PAGE NO.

The Idea Behind CRED Business Model

It uses the creditworthiness of individuals in the form of their credit scores as a

CRED’s Value Proposition

Department of Information Technology Engineering, ZCOER, Narhe, Pune-41

Most importantly, CRED is a niche community of high-trust creditworthy individuals.

Marketing Strategy of Cred

Banking on Viral Marketing Moves

Sending Cakes – A Customer Acquisition Strategy using Existing Users

Department of Information Technology Engineering, ZCOER, Narhe, Pune-41

The following information is collected by or on behalf of CRED.

1.1 Information You provide us

At the time of registration, we ask for the following personal information.

Pursuant to the services consumed by You from time to time, we may

We will also maintain a record of the information you provide to us when

Department of Information Technology Engineering, ZCOER, Narhe, Pune-41

Certain features may be restricted, unavailable or unusable if you choose not

1.2 Information created when You use the CRED App

We collect information relating to your use of our website/app through the

1.3 Information We Collect from Third Parties

We may, on your consent, request certain third parties to provide information

Department of Information Technology Engineering, ZCOER, Narhe, Pune-41

2. Curate offers and rewards customised for you;

4. Identify utility billers and insurers / insurance service providers you

5. Curate specific financial/investment/other products for you based on your

CRED’s access to the email account(s) is authorized through the email

Conclusion: - Cred is an innovative fintech company that aims to bring

Department of Information Technology Engineering, ZCOER, Narhe, Pune-41

IndiaMART is India’s largest online marketplace connecting buyers and suppliers.

Department of Information Technology Engineering, ZCOER, Narhe, Pune-41

Department of Information Technology Engineering, ZCOER, Narhe, Pune-41

Department of Information Technology Engineering, ZCOER, Narhe, Pune-41

SIX RULES AND A RECOMMENDATION

1. Diversify across 10 to 20 major economic/industry sectors.

Recommendation: Systematic investment and systematic transfer plans are

Conclusion: -In Indiamart.com, it’s an opportunity to explore potential. By

Department of Information Technology Engineering, ZCOER, Narhe, Pune-41

Research: - Developing innovative business models cannot be limited to

Osterwalder (2004) there is no delimitation suggested for testing and applying