Our Story

REVOLUTIONIZING FINTECH FOR UNDER-SERVED

WHO WE ARE:

As a technology company with a rural focus, we are dedicated to providing a comprehensive portfolio of financial and non-financial services to the under-served population in India's last-mile geographies. With eight years of experience in this sector, our company is headquartered in Gurugram, India. We are proud to be a well-funded and profitable enterprise, and we are rapidly expanding our operations.

Our commitment to delivering high-quality services has been recognized by a variety of credible organizations, including Deloitte India and The Economic Times. We are honored to have received such prestigious recognition, which reflects our dedication to making a positive impact on the lives of those who have traditionally been under-served by the financial industry.

We believe that access to financial services is a fundamental right, and we are passionate about providing innovative solutions that can help bridge the gap between rural and urban populations. Our goal is to empower the under-served population by giving them the tools they need to achieve financial stability and independence. By working closely with local partners and leveraging the latest technology, we are confident that we can make a real difference in the lives of millions of people across India.

PROBLEM THAT WE SOLVE:

Our solution addresses the problem of “Severe lack of access to financial services, through digital means, for the last mile under-served population of India.”

One of the main challenges facing the under-served population is the need for assistance in adopting digital technology. Many individuals in this segment are hesitant to use digital financial services due to various reasons, such as fear of transaction failures, potential fraud, and language barriers. In addition, we understand that language barriers can be a significant obstacle for many clients.

WHOM DO WE SERVE:

Our solution is designed to meet the needs of India's financially excluded under-served population, which currently numbers around 700 million individuals. This segment of the population often faces significant challenges accessing affordable and reliable financial services, particularly in the 0.65 million villages across India.

In addition, many of these individuals have migrated to urban areas in search of better livelihood opportunities. However, the characteristics of the urban under-served population are not vastly different from those in rural areas, and they also face significant barriers to accessing financial services.

OUR SOLUTION

Our company has developed a unique "Phygital" solution that combines a cutting-edge technology platform with a robust front-end service delivery network. Our platform aggregates a variety of financial and non-financial services, which are all accessible through a single, user-friendly application that is available on both web and mobile devices.

To ensure that our services are accessible to all, we have established a franchisee network of hyperlocal Customer Service Points (CSPs). These CSPs are located in under-served geographies across India and serve as a vital link between our clients and our platform.

Through our CSPs, we are able to provide personalized assistance and support to our clients, helping to overcome any barriers or challenges they may face in accessing our services. Our CSPs are staffed by knowledgeable and trained professionals who are committed to providing the highest levels of customer service.

We believe that our "Phygital" solution is the future of financial service delivery, offering the best of both worlds - the convenience and accessibility of digital platforms, along with the personalized service and support of a physical network. By leveraging technology and innovative service delivery models, we are helping to create a more inclusive and accessible financial ecosystem in India.

MISSION FORWARD:

At our company, we are committed to creating the largest and most impactful rural network in India. Our goal is to improve the lives of 100 million under-served individuals by March 2026, providing them with access to the financial and non-financial services they need to thrive.

In pursuit of this goal, we are also committed to generating new jobs and employment opportunities across India. By expanding our service network and leveraging the latest technologies and innovative business models, we aim to create 200,000 new jobs by 2026.

We are driven by our vision of a more inclusive and equitable society, where all individuals have the opportunity to reach their full potential. Through our work, we are empowering under-served communities across India, providing them with the tools and resources they need to succeed. We believe that by working together, we can create a brighter future for all Indians, and we are committed to making that vision a reality.

Founders and Board

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SAMEER MATHUR
Founder, Managing Director

Sameer is a highly accomplished and visionary leader, bringing over two decades of extensive executive experience in business strategy, channel development, and P&L management to the table. He is the Founder and Managing Director of ROINET, which he established eight years ago, drawing from his vast experience and entrepreneurial spirit.

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LIM CHON-PHUNG
Director

Chon-Phung is a distinguished board member of ROINET, bringing to the table extensive experience, expertise, and a strong commitment to driving social impact through inclusive innovation.

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Mr Sanjeev Nautiyal
Member Advisory Board

Mr Sanjeev Nautiyal began his career with SBI as a Probationary Officer on October 1st, 1985. He holds an M.B.A and is also a Certified Associate of Indian Institute of Bankers (CAIIB).

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VIVEK GUPTA
Co-founder, Chief - Technology and Operations

Vivek is an exceptional leader with a proven track record of success. As a seasoned member of the ROINET team, he has been instrumental in the development of the company's outstanding fintech platform. Serving as the Chief Technology Officer, his visionary leadership and expertise have enabled the company's customer service points to offer a full range of financial services, including basic banking, through the development of the innovative bill-pay and utilities platform, Xpresso.

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SANJEEV MAHAJAN
Co-founder, Chief Growth Officer

Sanjeev is a highly accomplished and visionary leader, serving as the Chief Growth Officer, responsible for driving the revenue growth strategy of the company, establishing new lines of business, and forging strategic alliances. He also leads the organization's customer experience and lending business initiatives, ensuring that the company delivers exceptional value to its customers and stays ahead of the competition.

Leadership Team

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SAMEER MATHUR
Founder, Managing Director

Sameer is a highly accomplished and visionary leader, bringing over two decades of extensive executive experience in business strategy, channel development, and P&L management to the table. He is the Founder and Managing Director of ROINET, which he established eight years ago, drawing from his vast experience and entrepreneurial spirit.

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VIVEK GUPTA
Co-founder, Chief - Technology and Operations

Vivek is an exceptional leader with a proven track record of success. As a seasoned member of the ROINET team, he has been instrumental in the development of the company's outstanding fintech platform. Serving as the Chief Technology Officer, his visionary leadership and expertise have enabled the company's customer service points to offer a full range of financial services, including basic banking, through the development of the innovative bill-pay and utilities platform, Xpresso.

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SANJEEV MAHAJAN
Co-founder, Chief Growth Officer

Sanjeev is a highly accomplished and visionary leader, serving as the Chief Growth Officer, responsible for driving the revenue growth strategy of the company, establishing new lines of business, and forging strategic alliances. He also leads the organization's customer experience and lending business initiatives, ensuring that the company delivers exceptional value to its customers and stays ahead of the competition.

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DEVESH SHANKER
Business Head- Financial Inclusion

As Head of Business Development, Devesh is in charge of sales and channel development. He is responsible for enhancing the revenue market share of the company and establishing ROINET as the most trusted rural-focused fintech service provider for the under-served customers across the country. He has been associated in the past with companies like Harvest Gold, Adani Enterprises, Tata Telservices, Coca Cola.

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NADEEM AHMAD
Business Head

As a Business head, Nadeem is responsible for overall sales and distribution expansion and product-wise revenue enhancement. He brings with him a rich experience of 18 years in channel development, sales and distribution. He has worked in the past with top corporate such as Spice Money, Paymate and Tata Teleservices.

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Alok Gupta
Chief Financial Officer

Alok, has over 18 years of experience in Financial Management in Indian, International and Multicultural business environment. His core strengths include Corporate Growth and finance transformation and its implementation, raising private equity and debts with various bank. He has rich experience in dealing with top Indian and overseas consultants like Duff and Phelps, TCS, Accenture and Big4s for multiple projects spanning finance transformation and automation, company valuation, ERP implementation etc.

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Sakshi Aggarwal
Head-Human Resource

Sakshi is a highly experienced and accomplished HR leader, currently serving as the Head of HR at ROINET, where she has been instrumental in driving organizational development, talent management, and change management initiatives. With over 14 years of experience in the field, she has gained deep expertise in people analytics, employee relations, compensation & benefits, and communication.

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Bhaskar Ballave
Business Head - CMS

Bhaskar is responsible for CMS business and relationship with strategic clients as well as new initiatives. He brings with him rich experience of sales, marketing, product development, business development skills and financial bureau. He has been associated with various top companies in the past such as Tata, HCL, Piney Bowes, NIIT and Equifax – CIC of RBI.

Recognitions

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Deloitte technology Fast 50 Winner 2022
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FT Asia-Pacific High-Growth Company 2022
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ET India’s Growth Champions 2022
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Great Place to Work 2023
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National Startup Award Winner 2020