Episode 2

Karan Mehta

In this episode, we uncover the exciting world of digital consumer lending in India, the companys’ focus on customer segmentation, personalization and the innovation that drives Ring's success.

Consumer Digital Lending Space &
Credit Systems in India

10 Feb 2023 | 1 hr 37 mins Podcast

Full video Podcast


The State of Retention Marketing Podcast’s second episode invites listeners to join a fascinating conversation between Ankur and Karan Mehta, the Founder and CTO at Kissht and Ring. This episode focuses on the company’s positioning in the digital consumer lending space in India and the customer awareness and responsiveness to credit systems in the country.

Kissht and Ring are innovative digital lending platforms designed to provide quick and easy access to credit for young, tech-savvy customers in India. With the help of strong credit bureau systems in the country, the companies are able to better understand their customers and make informed lending decisions. Recognizing the need for a dedicated transactional credit platform, Kissht pivoted to Ring.

Karan provides insight into the company’s customer acquisition playbook, including incentives for merchants and user journeys for merchant-led customers to Ring. He also shares his experience with Swipe in 2013 and the dramatic change in payment methods in India. To support accurate customer segmentation, Ring invests in people and technology, and is exploring the possibility of creating social impact through microfinancing in rural areas.

At the heart of Ring’s strategy is a strong focus on customer segmentation and personalization. The company tracks daily and monthly KPIs to continuously optimize and improve the customer experience. With a commitment to creating a highly personalized experience for customers from their first touchpoint with the brand, Ring aims to expand its reach to a PAN India level while maturing in its personalization index.

Karan shares his vision for Ring and the steps the company is taking to achieve its goals. The focus is on constantly improving and optimizing to better serve customers and achieve business success. Ring’s dedication to understanding and serving its customers, combined with its investment in people and technology, sets it apart in the digital consumer lending space.

Listen to the episode and join the conversation as Ankur and Karan explore the exciting world of digital consumer lending in India and the future of the industry. Get ready to be inspired by the innovation and dedication that drives Ring’s success, and discover the steps the company is taking to make a positive impact on its customers and the world.

About the Guest

Karan Mehta is a tech leader and entrepreneur as the Founder and CTO of Kissht and Ring. He is currently building a digital and fully automated lending life cycle product for consumer lending in India. With a passion for innovation and a proven track record of delivering high-quality digital solutions, Karan is a sought-after speaker in the fintech industry.

Karan Mehta

Founder & CTO of Ring & Kissht
Scroll to Top

We approached WebEngage when we were unhappy with a competitor's product. We wanted excellent service, which is one of WebEngage's intrinsic values. From Oberoi Hotels & EazyDiner to The Postcard Hotel, we're a 100% WebEngage client!

Kapil Chopra

Founder - EazyDiner & The PostCard hotel

Global brands trust WebEngage


Supercharge Your Startup's Growth

The Program helped us scale our business faster and bring down acquisition costs with time.


Ankit Agarwal

Founder, PHOOL

Become a Partner

Grab your copy