==== Wedding loans ====
* Provide cheap loans by tying up with wedding organizers, caterers etc. The loans get cheaper due to bulk discounts on prices offered by them.
==== Streamlining microfinance ====
==== Loans based on gold ====
* Already covered under trends
== Insurance ==
=== Trends ===
====Credit card penetration====
[[Image:Credit card per 1000.jpg|thumb|center|600px|Credit card penetration]]
* Mobile phone usage is exploding in India with subscriber numbers growing by several percentage points ''each month''
[[Image:PersFin Cell Phone Numbers.jpg|thumb|center|450px|140 million cell phone users in India]]
==== Payments through SMS ====
[[Image:Payments through SMS.jpg|thumb|center|500px|Payments made through SMS - Paymate]]
=== Ideas ===
==== Mobile phone credit cards ====
* Sony's [http://www.sony.net/Products/felica/csy/jre.html Felica] system combines mobile phones with credit card style payment capabilities
* With 140 million cell phones, but less than half as many credit cards, cell phones offer a great possibility for improving credit-card penetration in India
[[Image:PersFin Mobile phone credit card.jpg|thumb|center|400px|Mobile phone used as credit card]]