ZestMoney is an Indian fin-tech company that specialises in consumer lending. The company is based out of Bangalore and was launched in 2016. Founded by Lizzie Chapman, Priya Sharma and Ashish Anantharaman, ZestMoney is a technology driven and completely digital lending platform.
In India, there are currently over 300 million households who do not have access to credit cards or any other formal financing options because of insufficient credit history. ZestMoney aims to enable them with access to credit. As of March 2019, the company claims to have 5 million consumers on its platform.
History
Lizzie Chapman, Priya Sharma and Ashish Anantharaman started researching about financial services and lending industry in India around August 2015. During this time, they faced a chicken-and-egg problem, which was 'You need a loan to get a score, and you needed a score to get a loan'. That’s when they saw an opportunity in tapping over a huge market who didn’t have access to financing options because of insufficient credit history.
The trio theorised a frictionless, completely digital and automated system, one where consumers weren’t required to have a credit score, visit the premises of the financial organisation or complete any paperwork to avail a small ticket consumer loan. They started working on building the platform and establishing merchant partnerships in September 2015. They nicknamed the product as ZestMoney - the name originating from one of the characteristics of the product, which is quick approvals, and the nature of the industry they were in - money lending.
In January 2016, ZestMoney was officially launched with Overcart as its first merchant partner.
Product & Services
ZestMoney has built a platform that enables instant approval and disbursal of small ticket loans. The company says it has built its platform around an AI-based machine learning decision engine. ZestMoney basically builds a risk profile for every consumer who applies for a loan on its platform. They say they’ve built an automated and highly sophisticated decision engine, rely on technology and make use of machine learning and artificial intelligence to create a risk profile for a potential borrower. For new-to-credit customers, where there is no formal credit bureau data, the company asks such borrowers to submit additional data points for their engine to analyse and provide a loan.
Consumer Loans & Personal Loans
Once a user signs up on ZestMoney, the company will assess the risk of that consumer in real time and then provide a ‘credit limit’, which can be used by the consumer across any of their partner merchants to make their purchase. The availed loan amount can then be paid back in flexible EMIs. ZestMoney also has a cash based personal loan product. However, it is available only to those users who have a good repayment behaviour with the platform. The consumers can avail the personal loan and then pay back in EMIs with tenure of their choice.
ZestMoney is a cardless EMI partner for Amazon, Flipkart, Xiaomi and a few other merchants in India. It is also one of the cardless EMI options accepted by some payment gateways in the country.
Funding
ZestMoney has raised about $22 million till date in three financing rounds and is backed by global investors such as Xiaomi, PayU, Ribbit Capital, Naspers Fintech and Omidyar Networks. In January 2019, the company had announced that it has raised an undisclosed investment from venture debt fund Alteria Capital.
In India, there are currently over 300 million households who do not have access to credit cards or any other formal financing options because of insufficient credit history. ZestMoney aims to enable them with access to credit. As of March 2019, the company claims to have 5 million consumers on its platform.
History
Lizzie Chapman, Priya Sharma and Ashish Anantharaman started researching about financial services and lending industry in India around August 2015. During this time, they faced a chicken-and-egg problem, which was 'You need a loan to get a score, and you needed a score to get a loan'. That’s when they saw an opportunity in tapping over a huge market who didn’t have access to financing options because of insufficient credit history.
The trio theorised a frictionless, completely digital and automated system, one where consumers weren’t required to have a credit score, visit the premises of the financial organisation or complete any paperwork to avail a small ticket consumer loan. They started working on building the platform and establishing merchant partnerships in September 2015. They nicknamed the product as ZestMoney - the name originating from one of the characteristics of the product, which is quick approvals, and the nature of the industry they were in - money lending.
In January 2016, ZestMoney was officially launched with Overcart as its first merchant partner.
Product & Services
ZestMoney has built a platform that enables instant approval and disbursal of small ticket loans. The company says it has built its platform around an AI-based machine learning decision engine. ZestMoney basically builds a risk profile for every consumer who applies for a loan on its platform. They say they’ve built an automated and highly sophisticated decision engine, rely on technology and make use of machine learning and artificial intelligence to create a risk profile for a potential borrower. For new-to-credit customers, where there is no formal credit bureau data, the company asks such borrowers to submit additional data points for their engine to analyse and provide a loan.
Consumer Loans & Personal Loans
Once a user signs up on ZestMoney, the company will assess the risk of that consumer in real time and then provide a ‘credit limit’, which can be used by the consumer across any of their partner merchants to make their purchase. The availed loan amount can then be paid back in flexible EMIs. ZestMoney also has a cash based personal loan product. However, it is available only to those users who have a good repayment behaviour with the platform. The consumers can avail the personal loan and then pay back in EMIs with tenure of their choice.
ZestMoney is a cardless EMI partner for Amazon, Flipkart, Xiaomi and a few other merchants in India. It is also one of the cardless EMI options accepted by some payment gateways in the country.
Funding
ZestMoney has raised about $22 million till date in three financing rounds and is backed by global investors such as Xiaomi, PayU, Ribbit Capital, Naspers Fintech and Omidyar Networks. In January 2019, the company had announced that it has raised an undisclosed investment from venture debt fund Alteria Capital.
Exit Stage Left is a play conceived by Paul O'Farrell and Ben Smithard from Ecclesfield School, which played the Edinburgh Festival Fringe in summer 2012 chiefly using 2011 Ecclesfield School drama students.
Plot
Greg was once a famous director earning his money in the film industry, until tragedy struck - his wife, Olivia, died. He then left the limelight for an indefinite time. Libby Fowler was a famous soap-star and household name. When her career declined she turned to other forms of media, for which she was mocked. Greg announced a new play, Exit Stage Left, to star Libby as the leading lady.
Fringe Festival
The play was performed at the Edinburgh Fringe festival from 3-18 August 2012 in the Greenside theatre. The show lasted approximately 85 mins.
Reception
The play was universally acclaimed by reviewers, commenting on its clever structure and dialogue.
The Sheffield Star said that the show "is built on dark confessional themes and sturdy issues but derives laughs as well as conjuring memorable themes".
Plot
Greg was once a famous director earning his money in the film industry, until tragedy struck - his wife, Olivia, died. He then left the limelight for an indefinite time. Libby Fowler was a famous soap-star and household name. When her career declined she turned to other forms of media, for which she was mocked. Greg announced a new play, Exit Stage Left, to star Libby as the leading lady.
Fringe Festival
The play was performed at the Edinburgh Fringe festival from 3-18 August 2012 in the Greenside theatre. The show lasted approximately 85 mins.
Reception
The play was universally acclaimed by reviewers, commenting on its clever structure and dialogue.
The Sheffield Star said that the show "is built on dark confessional themes and sturdy issues but derives laughs as well as conjuring memorable themes".
When Disaster Strikes is a documentary television series that exposes the inside human drama of disaster recovery.
Produced by Parallax Film Productions, the show has aired on Discovery Channel US FOX Broadcasting, International and History Television in Canada.
This six-part series profiles the victims, the disaster, and the backbreaking work it takes to set things right, exploring the human story behind the headlines.
When Disaster Strikes covers fires, floods, hurricanes, landslides, sewage-filled basements
The only thing common to the disasters are emotionally devastated victims.<ref name="fema.gov"/>
Episodes
When Disaster Strikes episodes include:<ref name="parallaxfilm.com"/>
*Fire: After a fire blazes through a middle-class man’s home - a remediation team attempts to restore it under the shadow of arson allegations;
*Mould: The disaster team struggle to overcome a toxic mould plaguing a Cincinnati family home and post Hurricane Katrina New Orleans;
*California Mudslide: A Californian family nearly lose their lives in a dangerous mudslide zone where people refuse to leave their homes and fight to re-build;
*New Orleans: A special disaster clean-up team resuscitates a New Orleans hospital after it has been soaked in the toxic and infected floodwaters of Hurricane Katrina;
*Florida: Miami is caught off guard by a hurricane and reconstruction teams move in to get the panicked community back on track; and
*Pipe Disaster: The vulnerability of the city’s water pipes is revealed when a local home is flooded and the owner is faced with personal bankruptcy.
Produced by Parallax Film Productions, the show has aired on Discovery Channel US FOX Broadcasting, International and History Television in Canada.
This six-part series profiles the victims, the disaster, and the backbreaking work it takes to set things right, exploring the human story behind the headlines.
When Disaster Strikes covers fires, floods, hurricanes, landslides, sewage-filled basements
The only thing common to the disasters are emotionally devastated victims.<ref name="fema.gov"/>
Episodes
When Disaster Strikes episodes include:<ref name="parallaxfilm.com"/>
*Fire: After a fire blazes through a middle-class man’s home - a remediation team attempts to restore it under the shadow of arson allegations;
*Mould: The disaster team struggle to overcome a toxic mould plaguing a Cincinnati family home and post Hurricane Katrina New Orleans;
*California Mudslide: A Californian family nearly lose their lives in a dangerous mudslide zone where people refuse to leave their homes and fight to re-build;
*New Orleans: A special disaster clean-up team resuscitates a New Orleans hospital after it has been soaked in the toxic and infected floodwaters of Hurricane Katrina;
*Florida: Miami is caught off guard by a hurricane and reconstruction teams move in to get the panicked community back on track; and
*Pipe Disaster: The vulnerability of the city’s water pipes is revealed when a local home is flooded and the owner is faced with personal bankruptcy.
Rhoda Montemayor (born 31 May 1979 in London) is a British actress and dancer of Filipino heritage. Her premiere role was as Tiger Lily in Finding Neverland. Other notable roles include Rose Ortiz, the Pink Ranger, in Power Rangers Operation Overdrive, and a cameo role in the film Adulthood and 3 seasons of a belgian serie eigen kweek.
Family background
Rhoda and her family are Filipinos. Her mom, Rosalie Pichay Viloria (related to former Philippine Representative Prospero Pichay), is Ilocana; and her dad, Eddie Montemayor, is Kapampangan. She has two siblings, her older actor sister Renee Montemayor and a younger sister, Rowena Montemayor.
Filmography
Television
* Power Rangers Operation Overdrive, Rose Ortiz
* ' , Connie Daniels
* Harry and Cosh, Mai - "Kung Fu Warriors"
* ', Kate
* Dani's House, Miranda
* Eigen Kweek, as Julita Pineda - Belgian television series on één.
Commercials
* Puma "Football" Student Puma/Ben Hibon
* Lady's Choice Mayonnaise "Scrambled Egg Makeover
Theatre
* A Chorus Line, Connie Wong Sheffield Crucible/Nikolai Foster
* West Side Story, Rosalia Leicester Haymarket Theatre/Paul Kerrison
Modeling
* Nokia - Featured Artist Rankin Photography
Movies
* Finding Neverland, Tiger Lily (Peter Pan cast)
* Adulthood, Kim
* The Knot, Anisha
Other appearances
In June 2007, Rhoda appeared with her fellow Power Rangers: Operation Overdrive co-stars, among other past Power Rangers actors/actresses, at Power Morphicon in Los Angeles, California.
Family background
Rhoda and her family are Filipinos. Her mom, Rosalie Pichay Viloria (related to former Philippine Representative Prospero Pichay), is Ilocana; and her dad, Eddie Montemayor, is Kapampangan. She has two siblings, her older actor sister Renee Montemayor and a younger sister, Rowena Montemayor.
Filmography
Television
* Power Rangers Operation Overdrive, Rose Ortiz
* ' , Connie Daniels
* Harry and Cosh, Mai - "Kung Fu Warriors"
* ', Kate
* Dani's House, Miranda
* Eigen Kweek, as Julita Pineda - Belgian television series on één.
Commercials
* Puma "Football" Student Puma/Ben Hibon
* Lady's Choice Mayonnaise "Scrambled Egg Makeover
Theatre
* A Chorus Line, Connie Wong Sheffield Crucible/Nikolai Foster
* West Side Story, Rosalia Leicester Haymarket Theatre/Paul Kerrison
Modeling
* Nokia - Featured Artist Rankin Photography
Movies
* Finding Neverland, Tiger Lily (Peter Pan cast)
* Adulthood, Kim
* The Knot, Anisha
Other appearances
In June 2007, Rhoda appeared with her fellow Power Rangers: Operation Overdrive co-stars, among other past Power Rangers actors/actresses, at Power Morphicon in Los Angeles, California.