Secured Credit Cards 101 - Where Credit meets Saving

<img src="https://m2p-website-file.s3.ap-south-1.amazonaws.com/m2p-website-file/marketing-cms/m2p-blog/2022/06/banner-4.webp" alt="M2P Fintech" title="" width="100%" height="253"><h2 class="heading-node" id="2fad" style="text-align: justify">Great news to kickstart the year 2022!</h2>We are delighted to announce that we have raised $56 million in Series C1 funding. The round was led by New York-based global private equity and venture capital firm Insight Partners and MUFG Innovation Partners, a CVC company of Mitsubishi UFJ Financial Group Inc. Existing investors Tiger Global and Better Capital also participated in this round.We have now raised more than $100 million in 2021–22 alone. This round of funding is a shot in the arm that will help us strengthen our technology, widen our offerings, and expand to international markets.Madhusudanan R, our Co-Founder, and CEO adds, “The consequence of COVID-19 has accelerated the shift from in-person to digital consumption. This shift has forced businesses across the globe to move from brick and mortar to digital channels and, in doing so, has created an urgency for businesses to adopt an <a class="link" href="https://m2pfintech.com/blog/api-the-power-that-drives-new-age-banking-ecosystems/">API</a> platform like ours. We see an unprecedented opportunity to meet this need by bringing our leading platform to other fintech markets across Europe, Africa, and Asia while doubling down on key and emerging fintech markets such as the Philippines, Indonesia, and Egypt. We are very glad to get the backing of Insight Partners and looking forward to leveraging their deep understanding of working with fintech entrepreneurs across the globe as we look to expand into new markets. MUFG with assets across Asia will be a key partner in the next phase of our growth.”We thank our bank partners, investors, clients, 500+ fellow fintechs for their constant support and guidance. <a class="link" href="https://m2pfintech.com/">Our agile platform</a> will continue creating and deploying products in the fintech ecosystem while maintaining the core promises of scalability, security, and reliability.A special shoutout to all our followers who have engaged with our content, supported us in cyberspace, and gave us the impetus to learn and grow. Thank you for your patronage.Let’s do great things together!<a class="link" href="https://m2pfintech.com/newsletter/">Subscribe</a>&nbsp;to our newsletter and get the latest fintech news, views, and insights, directly to your inbox.Follow us on&nbsp;<a class="link" href="https://www.linkedin.com/company/m2pfintech/mycompany/">LinkedIn</a>&nbsp;and&nbsp;<a class="link" href="https://twitter.com/m2pfintech">Twitter</a>&nbsp;for insightful fintech tales curated for curious minds like you.

M2P Fintech raised $56 million in Series C1 Funding!

<img src="https://m2p-website-file.s3.ap-south-1.amazonaws.com/m2p-website-file/marketing-cms/m2p-blog/2022/06/Artboard-1-copy-8-10.webp" alt="M2P Fintech" title="" width="100%" height="284">We bring you the Star of this Month, Anto Cruz Stephen — Senior Software Engineer.An avid gamer, a hardcore badminton player, and a person who loves to sketch, Anto Cruz shares his diverse interests and passionate journey with <a class="link" href="https://m2pfintech.com/">M2P</a>.Now, keep reading to know his idea of a perfect day!<h2 class="heading-node" id="beff">1. Tell us, how do you usually start your workday?</h2>My day starts on a very positive note with a cup of tea. The morning tea hits perfectly and pushes me to move forward the whole day. Then, I sit for my update calls, where the team and I discuss the tasks planned for the day.This includes ongoing tasks from previous days, new tasks that need to be kickstarted, team discussions, brainstorming, and more. This is how my workday goes by.<h2 class="heading-node" id="abae">2. What are your main responsibilities as a Senior Software Engineer?</h2>My contribution to the team is focused on the development of mobile applications. The development happens end-to-end. I work on different parts of the development process that include user interface design, application design, application implementation, unit and functional testing, and deploying it to our clients.In addition to this, I focus on requirements that require my contribution by yielding support to the technical support people.<h2 class="heading-node" id="0c5f">3. How have you grown through the years as an M2Peer?</h2>Even though I started out with M2P with some previous experience, looking back, I have been learning something new daily. Now that I am stepping onto my fifth year as an M2Peer, it feels like a wholesome learning journey and understanding more about the Fintech ecosystem. For example, I have learned a lot about cards, transactions and much more. Learning is the biggest mantra that made me grow in all these years.<h2 class="heading-node" id="a9a8">4. Is there a quote/saying that motivates you?</h2>To be honest, NO.I am a person who actually believes that the motivation to do anything will automatically come in when the situation hits you hard. Not to be philosophical, but I consider that the situations tone and make you stronger. So then, the motivation factor can be felt naturally.<h2 class="heading-node" id="ba9c">5. What’s that one thing your colleagues don’t know about you?</h2>I guess I cannot hide it any longer. LOL. I’m a PC Game freak, guys. I love to play PC Games whenever I can.<h2 class="heading-node" id="eaaf">6. What inspires you the most about M2P?</h2>All these years of growing together with M2P, the people here inspire me a lot. I get inspired by the relationship between people here. M2P is a space that really values the connection between people. So, there is this free and friendly bond between every one of us.I can easily communicate with everyone from the founders to all my colleagues. I think that this aspect inspires me to give it my best shot.<h2 class="heading-node" id="ce93">7. What’s your idea of a perfect day?</h2>Well, to all people who experience similar happenings, I hope you all can relate to me. A day without bugs/ issues that need to be resolved is the perfect day ever!<h2 class="heading-node" id="42a2">8. What was your career path before joining M2P, and how has it changed?</h2>I started my journey with M2P with almost two years of experience. I want to say that learning and growing have been the change. I’m giving my best at developing mobile applications end-to-end, and I like to continue doing the same.<h2 class="heading-node" id="298f">9. What are your hobbies/interests?</h2>As I mentioned earlier, I love PC Gaming. Playing shuttle is my forte to add in a few more of my diverse interests. My hobbies include listening to songs and doing sketches, and yeah, I almost forgot, I love gardening.<h2 class="heading-node" id="b741">10. Anything else you want to share about M2P?</h2>With the knowledge I gained from our people, I can say that <a class="link" href="https://m2pfintech.com/">M2P</a> is a great place to learn. We have been tremendously growing over the past years, and we still have a lot to achieve. So, team M2P, let’s learn and grow together!<a class="link" href="https://m2pfintech.com/newsletter/">Subscribe</a>&nbsp;to our newsletter and get the latest fintech news, views, and insights, directly to your inbox.Follow us on&nbsp;<a class="link" href="https://www.linkedin.com/company/m2pfintech/mycompany/">LinkedIn</a>&nbsp;and&nbsp;<a class="link" href="https://twitter.com/m2pfintech">Twitter</a>&nbsp;for insightful fintech tales curated for curious minds like you.

Meet M2P’S Software Engineer

<img src="https://m2p-website-file.s3.ap-south-1.amazonaws.com/m2p-website-file/marketing-cms/m2p-blog/2022/06/Artboard-1-copy-8-9.webp" alt="M2P Fintech" title="" width="100%" height="284">Using <a class="link" href="https://m2pfintech.com/blog/prepaid-cards-101-a-definitive-guide-for-growth-and-profitability/">prepaid cards</a> is a great way to control business expenses, improve efficiencies and generate revenue streams. However, the time and effort involved in card issuance in-house are super crazy.If you want to hit the market with prepaid cards quickly within weeks, you need APIs.Yes, <a class="link" href="https://m2pfintech.com/blog/api-the-power-that-drives-new-age-banking-ecosystems/">Application Programming Interfaces (APIs).</a><h2 class="heading-node" id="2e39">Accelerates access and speed</h2>APIs speed up and democratize the card issuance and management process for businesses. Teams need not divert CAPEX or resources into building in-house prepaid card applications, compliance, partnerships, and support systems. Instead, an API call is all that it takes to create prepaid cards within weeks and onboard customers in a seamless manner.<a class="link" href="https://m2pfintech.com/blog/the-world-of-apis-how-they-power-fintech/">APIs</a> help customize onboarding and shopping experiences without diluting brand expectations and manage card usage and security. Though card networks like VISA, Mastercard, American Express, and Discover issue cards, <a class="link" href="https://m2pfintech.com/">API-providing fintech firms</a> are the ones that facilitate card access, operations, and management.<h2 class="heading-node" id="534d">Empowers diverse ecosystems</h2>It doesn’t matter whichever part of the globe you are operating from or whatever industry you belong to. APIs can be tailored to specific geographics, industry use cases, and needs.Fintech firms factor in diverse demographics, currencies, regulatory and compliance challenges, digital payment standards, and infrastructures before getting started with card issuance. They nullify entry barriers and provide opportunities for every business to gain from the benefits of prepaid cards. Customized APIs cater to multiple industries and serve multiple purposes such as payroll, gifting, <a class="link" href="https://m2pfintech.com/blog/cross-border-payments-a-swift-money-flow-across-borders/">cross-border payments</a>, intercity-transit, international travel, government benefit disbursal, insurance, health savings, and incentivizing employees.<h2 class="heading-node" id="dcfe">Delivers top-notch user experience</h2>The card issuing APIs take a human-first approach while aligning data, processes, and consumer platforms. They prioritize experience design and enable hyper-personalized card issuance in an instant.Both physical and <a class="link" href="https://m2pfintech.com/blog/all-you-need-to-know-about-virtual-cards/">virtual cards</a> can be customized and built for ultimate customer experience and personalized seamless transactions. As APIs prioritize security, businesses and end-consumers can be confident about not having to deal with data theft or loss of money. This drives greater customer experience, retention, and conversion.<h2 class="heading-node" id="2ff0">Stringent security management</h2>Strongly encrypted with stringent security controls in place, it is next to impossible to hack into the physical or virtual card ecosystems that APIs create. Right from enabling <a class="link" href="https://m2pfintech.com/blog/know-your-customer-kyc-the-need-for-authentication/">e-KYC</a> to countering processor breach, identity theft, to ‘friendly fraud’ (intentionally shared password) and false disputes, <a class="link" href="https://m2pfintech.com/blog/the-world-of-apis-how-they-power-fintech/">fintech APIs</a> can manage all without hassles.Program managers nip risks in the bud with strict red flag compliance, identity validation, and <a class="link" href="https://m2pfintech.com/blog/pci-dss-a-quick-guide-to-its-levels/">PCI DSS</a> compliance programs. Artificial intelligence modules identify fraud trends and track transactions to block vulnerabilities early in the lifecycle.So, in a nutshell, APIs can make it quick, easy, and secure for you to issue cards to your customers and employees. They also help businesses track and control expenses while improving customer experience and accessibility.But, hey wait. Don’t go yet.If you are at this part of the article. We understand you are looking to issue cards.And we have a pro tip for you!<h2 class="heading-node" id="506c">Pro Tip: Align business objectives, focus on core competencies</h2>Issuing <a class="link" href="https://m2pfintech.com/blog/prepaid-cards-101-a-definitive-guide-for-growth-and-profitability/">prepaid cards</a> can be done in-house or by partnering with a licensed fintech. Whichever direction you choose to move, remember to align business objectives with the card program. You also need to sort out legacy infrastructure issues, regulatory risks, fraud monitoring, compliance, and points of authorization. And if you are launching prepaid cards on a global scale, you’ll have to manage country-specific licenses, contracts, and integrations to keep the card program alive. So, before proceeding, remember to brainstorm about the time, effort, and resource allocation.Or you can just focus on your core competencies and leave card issuance, compliance, and program management to PPI licensed card issuance experts.Need help in issuing prepaid cards?Get in touch with us at&nbsp;<a class="link" href="mailto:business@m2pfintech.com">business@m2pfintech.com</a><a class="link" href="https://m2pfintech.com/newsletter/">Subscribe</a>&nbsp;to our newsletter and get the latest fintech news, views, and insights, directly to your inbox. Follow us on&nbsp;<a class="link" href="https://www.linkedin.com/company/m2pfintech/mycompany/">LinkedIn</a>&nbsp;and&nbsp;<a class="link" href="https://twitter.com/m2pfintech">Twitter</a>&nbsp;for insightful fintech tales curated for curious minds like you.

Why should APIs be your holy grail for prepaid card issuance?

<img src="https://m2p-website-file.s3.ap-south-1.amazonaws.com/m2p-website-file/marketing-cms/m2p-blog/2022/06/Artboard-1-copy-8-8.webp" alt="M2P Fintech" title="" width="100%" height="253">Is your credit score below 670?Don’t worry. You can still own a credit card.Yes, <a class="link" href="https://m2pfintech.com/blog/secured-credit-cards-101-where-credit-meets-saving/">a secured credit card</a>!Unlike regular credit cards, secured credit cards do not mind you having a low credit score. In fact, they help build your credit score and earn rewards as you spend.Not heard of secured cards before?That’s because even though secured cards have been in existence for more than 20 years, it comprises less than 2% of the cards market share in India.But that scenario is rapidly changing now.Fintech firms like <a class="link" href="https://m2pfintech.com/">M2P</a> have taken the initiative to enable financial inclusion by simplifying secured credit card issuance and program management. Banks like SBM, SBI, Kotak, RBL, ICICI, and other fintechs like <a class="link" href="https://wizi.app/home">Wizi</a>, <a class="link" href="https://www.sliceit.com/">Slice</a>, and a few others are issuing secured cards to customers with less-than-ideal credit scores.<h2 class="heading-node" id="ea78" style="text-align: justify">What is a Secured Card?</h2>A <a class="link" href="https://m2pfintech.com/blog/secured-credit-cards-101-where-credit-meets-saving/">secured card</a> is a credit card that allows you to spend in a risk-free and rewarding manner. They are backed by a <a class="link" href="https://m2pfintech.com/blog/how-can-banks-and-nbfcs-leverage-the-potential-of-digital-fds/">fixed deposit (FD)</a> that is used as collateral by the issuing bank. A secured card earns you rewards not just in the form of cash backs but even gold.Consider you want to purchase a secured credit card. All you need is a fixed deposit as supporting collateral. The FD can be an amount of your choice that will act as a credit limit for your card. The fixed deposit serves as a kitty for card issuers to rely on when there is any default in your payments.Wonder if a secured credit card is a good fit for you?Here are 3 compelling reasons you need to know.<h2 class="heading-node" id="779e" style="text-align: justify">3 reasons why secured cards are a good fit for you</h2>Regular credit cards have been overshadowing the secured cards market for a long time now.But not anymore!People reach out to companies that issue secured cards to enjoy the following spend-worthy benefits.<h3 class="heading-node" id="2ada" style="text-align: justify">1. Earn while you spend</h3>As India’s retail inflation rate rose to 4.48 % this year (as of October 2021), saving while spending seems like an impossible task. But, secured cards are here to bridge those gaps.Secured cards help you earn interest on your fixed deposits while you spend from your card. Apart from the rewards like cash back and airline miles, secured cards can also earn you tangible rewards like digital gold for every spend.For example, ICICI’s coral card earns you double reward points on supermarket and dining transactions. Another noteworthy example is <a class="link" href="https://gild.cards/">Gild from Wizi</a>, India’s first secured card that rewards 2% gold for every spend.<h3 class="heading-node" id="7fad" style="text-align: justify">2. Build or improve credit score</h3>Getting secured cards is the easiest way to improve your creditworthiness. It helps you build a good credit history and even improve your existing negative credit score by making timely payments. Even in case of missed payments, the amount will be deducted from your security deposit. So, there is no negative impact on your credit score.Once you have stepped into the world of secured credit cards, the credit bureaus get notified of your payment history within 30–45 days. This is how your credit score will improve over time, and you can get thumbs up for other credit options or loans in the future. These cards are really great for those who cannot get hold of a lender because of their bad credit score.Take a look at credit score ranges to know how issuers decide and approve your credit line.<img src="https://m2p-website-file.s3.ap-south-1.amazonaws.com/m2p-website-file/marketing-cms/m2p-blog/2022/06/Artboard-1-copy-9-6.webp" alt="M2P Fintech" title="" id="37xsnx4zf" width="100%" height="253"><h3 class="heading-node" id="42be" style="text-align: justify">3. Spend at zero risk</h3>Secured cards give their users zero-risk spending options. Present-day customers enjoy using secured cards more than unsecured cards because of “the investment + saving + rewarding mechanism.”Secured cards are considered featherweight as you can also start off with a smaller security deposit and gradually increase on a monthly basis. This way, you can avoid getting into debt and save your credit deposit from getting deducted in case of missed payments.It also poses no risk for the card issuers as the fixed deposit or collateral reduces the credit risk. So, it is risk-free for issuers as well, as they can recover the outstanding amount from FD in bad situations.<h2 class="heading-node" id="c733" style="text-align: justify">Rewarding Savior</h2>Secured cards are a savior for people who face challenges with personal finance management. It allows you to make stress-free card payments, get tangible rewards, improve credit scores, and plan future expenses within the limit. Secured cards also help build your financial health as it is backed by a cash deposit for security.Having known these top reasons, you know what to do next.Yes, get your own secured card.Happy Spending! Happy Saving!<a class="link" href="https://m2pfintech.com/newsletter/">Subscribe</a>&nbsp;to our newsletter and get the latest fintech news, views, and insights, directly to your inbox.Follow us on&nbsp;<a class="link" href="https://www.linkedin.com/company/m2pfintech/mycompany/">LinkedIn</a>&nbsp;and&nbsp;<a class="link" href="https://twitter.com/m2pfintech">Twitter</a>&nbsp;for insightful fintech tales curated for curious minds like you.

3 reasons why you need a secured credit card

<img src="https://m2p-website-file.s3.ap-south-1.amazonaws.com/m2p-website-file/marketing-cms/m2p-blog/2022/05/Artboard-1-copy-8-11.webp" alt="M2P Fintech" title="" width="100%" height="529"><a class="link" href="https://m2pfintech.com/blog/fintech-a-catalyst-for-financial-inclusion/">Financial inclusion</a> is the key to sustainable development worldwide. In India alone, around 190 million people do not have access to banking services. This makes India the second-largest underbanked nation after China.Simple, hassle-free access to financial services helps people achieve financial freedom. Providing untethered access to salary and incentives is the road to financial independence and social security.<h2 class="heading-node" id="d1fa" style="text-align: justify">A bumpy road to financial freedom</h2>People in the blue collared sector are usually excluded from the mainstream financial ecosystem as they do not have a structured way to receive salaries, save, and track their spends. Fintechs like Zenpay facilitate this financial access by offering inclusive <a class="link" href="https://m2pfintech.com/blog/future-of-payments-processing-matched-with-industry-needs/">digital payment solutions</a> such as zero-balance salary accounts, payroll cards, and gift cards. They enable blue-collared workers to digitally access salaries and incentives without any paperwork and also save, spend, and track their finances efficiently. Though Zenpay literally revolutionized the banking sector by enabling simpler, more efficient, and transparent payments, they faced key challenges in security, <a class="link" href="https://m2pfintech.com/blog/pci-dss-the-payments-armour/">PCI-DSS compliance</a>, and infrastructure design. As more and more customers adopted digital payments, the transactions and data became highly vulnerable to malicious activities. So, Zenpay wanted a <a class="link" href="https://m2pfintech.com/blog/future-of-payments-processing-matched-with-industry-needs/">payments processing solution</a> and a token service provider to enable highly secure and seamless financial services to blue-collared workers.<h2 class="heading-node" id="0a13" style="text-align: justify">Powering card security, operations, and infrastructure</h2>M2P collaborated with Zenpay to help smoothen hurdles in card security and infrastructure. We deployed our comprehensive <a class="link" href="https://m2pfintech.com/blog/how-to-implement-the-best-prepaid-payment-instrument-ppi-for-your-business/">PPI </a>APIs to overcome the challenges Zenpay faced. Our solution created a strong base for Zenpay to partner with VISA and NPCI (National Payments Corporation of India) and enable salary cards and gift cards.<h2 class="heading-node" id="f9bc" style="text-align: justify">End-to-end tokenization</h2>Securing cardholder data through <a class="link" href="https://m2pfintech.com/blog/how-does-payment-tokenization-work/">tokenization</a> is critical for businesses to prevent cybercrimes. However, tokenization consumes a lot of time and effort when done in-house. So, we acted as a token service provider (TSP) to manage tokenization and enabled Zenpay to focus on its core competency and manage customer retention. M2P handled the generation and issuance of payment tokens and the operation and maintenance of a token vault. We also offered PCI-DSS widgets to lower the cost for PCI assessment and the time spent on PCI compliance procedures.<h2 class="heading-node" id="da2c" style="text-align: justify">Seamless card program management</h2>Customers today prefer banking apps that are bug-free, quick to load, easy to operate with hassle-free onboarding. Choosing a program manager is critical to enable seamless operations and user experience. M2P served as a robust program manager to Zenpay and was responsible for security, quality assurance, technology integration, migration, customer engagement, reward strategies, and banking relationships. We risk proofed Zenpay’s technology infrastructure for a flawless and high-quality banking experience.<h2 class="heading-node" id="f46d" style="text-align: justify">Scaling up for 250% rise in customer base</h2>Customers expect more hyper-personalized services when it comes to digital wallets. M2P helped Zenpay ensure new customer acquisition and retention by delivering an amazing user experience. Zenpay upgraded its user experience from receiving voice notifications to image recognition.Enabling the best user experience, Zenpay expanded its customer base by more than 250% in just 10 months, with a whopping increase from 35,000 to 125,000. M2P helped Zenpay scale up by offering robust, secure, and bug-free API infrastructure.Zenpay also increased the total number of customer transactions by 47%. As a result, the transaction volume increased from 180 crore transactions to a whopping 265 crore transactions in 10 months.<blockquote class="block-node" id="nfhkrm6a3">Approachable. Innovative. Solution-centric. The experience of working with M2P has been nothing short of wonderful! Superior support, fast TAT, a wide range of solutions, and most importantly, end-to-end ownership from sales to technical integration. M2P helped us grow our customer base by more than 250%.</blockquote>– Ankit Bhargava, Founder &amp; CEO,&nbsp;<a class="link au my" href="https://zenpaysolutions.com/" target="_blank" rel="noopener ugc nofollow">Zenpay Solutions.</a><h2 class="heading-node" id="74a1" style="text-align: justify">The buck doesn’t stop here</h2>Using M2P’s tech-stack, Zenpay plans to deepen its services and products in the future. Both the companies will collaborate to enable greater financial inclusion and freedom through services that include QR code-based payments, bill payments, UPI integration, and microloans.Are you looking to enable inclusive financial services? Need help with card infrastructure and program management?Get in touch with us at <a class="link au mg" href="mailto:business@m2pfintech.com" target="_blank" rel="noopener ugc nofollow">business@m2pfintech.com</a><a class="link" href="https://m2pfintech.com/newsletter/">Subscribe</a>&nbsp;to our newsletter and get the latest fintech news, views, and insights, directly to your inbox.Follow us on&nbsp;<a class="link" href="https://www.linkedin.com/company/m2pfintech/mycompany/">LinkedIn</a>&nbsp;and&nbsp;<a class="link" href="https://twitter.com/m2pfintech">Twitter</a>&nbsp;for insightful fintech tales curated for curious minds like you.

How M2P helps Zenpay enable financial inclusion?

<img src="https://m2p-website-file.s3.ap-south-1.amazonaws.com/m2p-website-file/marketing-cms/m2p-blog/2022/06/Artboard-1-copy-8.webp" alt="M2P Fintech" title="" width="100%" height="284">This November, we shine the spotlight on the star of this month, Ragavendharan — System Analyst in M2P. A travel buff, multi-cuisine chef, and a coffee addict, Ragavendharan is much more than what meets the eye. We got him to share interesting facets of his life, his interests, and his journey as an M2Peer. Keep reading to know more about Ragavendharan and what inspires him the most about M2P.<h2 class="heading-node" id="fa27">How do you usually start your workday?</h2>I begin my day by organizing my works and checking my scheduled meetings. Then, I kickstart with a cup of coffee to set the perfect vibe for the day. Then, I check my emails, respond to them, and get on with my tasks for the day. On alternative days, I have stand-up calls for team discussions.<h2 class="heading-node" id="f66d">What are your main responsibilities in M2P?</h2> My work at M2P takes an end-to-end nature. As a backend developer, my main responsibility is to understand the business requirements. Then, I design product blocks and flows, researching and identifying suitable solutions and technology for any new product development. Apart from developing a new product, I am highly responsible for performing the root cause analysis and implementing a scalable solution to the issue. In addition, I also share my understanding of the different aspects of a new product with my team. Here, we work from scratch on the end-to-end process until it becomes a minimal viable product. I have worked on several applications in the past few years, especially the cryptographic related tasks for existing systems. Java, SQL, Linux, data analytics, cryptography, microservices are my strong suites and I also support other teams whenever my expertise is required across products.<h2 class="heading-node" id="2ec4">How have you grown through the years as an M2Peer?</h2>Simply from ‘Zero to One.’I joined M2P as an intern almost five years back, with no experience in the software domain. From there, I started taking baby steps to where I am here now, and I still have a long way to go.My prior exposure to development in other programming languages helped me bootstrap swiftly in this domain and ecosystem. My thirst for learning kept me motivated even during hard times. As I have these amazing colleagues and mentors to hold, support, and guide me over the years, now we march forward as a team.I enjoy being in my office, and I often forget to go home as I lose time working. Kuru and I mostly have thought-provoking, heated debates while we discuss solutions. This helped me think out of the box, and we both do it together during implementation.I take this as an opportunity to thank Madhu, Muthu, and Prabhu for guiding me through my personal and professional path over these years. I am looking forward to a long journey together ahead.<h2 class="heading-node" id="51a9">Is there a quote/saying that motivates you?</h2>Yes.‘To walk fast, walk alone. To walk long, walk together.’In M2P, we do both. I get motivated to give my best shot every day. I have always admired our team, and the energy in M2P propels me.<h2 class="heading-node" id="b8c4">What’s that one thing your colleagues don’t know about you?</h2>We are a family, and my family knows me well.Although, If I need to mention specifically — I love to dance thin in the ground. As a fun-loving and boisterous kid, I dance at almost every festival in my hometown. Taking my interest further, I even learned dance from my brother’s friend, a dancer. Now, I dance to fast beats when I’m alone at home.I learned Carnatic music in my school days and even discovered yoga with my brother. I was also selected for district-level tournaments in sports such as Kho-Kho and Cricket in my school days.<h2 class="heading-node" id="88fd">What inspires you the most about M2P?</h2>Our PEOPLE.When I joined M2P, we were a team of 20, and I was the 20th person to join. So, we had the perfect balance of both work and fun. Coming to work daily was very comfortable and motivating as it felt as if I was hanging out with my close friends.From the founders to my mentors to everyone in the team, we all are a family here. Looking back, we have grown from there to the office buildings now. Even though if I feel worn out sometimes, people here have always inspired me from our founders to my juniors. I learn a lot from everyone here at M2P.<h2 class="heading-node" id="cae8">What’s your idea of a perfect day?</h2> My perfect day would be a day mixed with coffee, working with my team, cracking chats with countless laughs, having discussions, solving problems, and coding.<h2 class="heading-node" id="670d">What was your career path before joining M2P, and how has it changed?</h2>Before joining here, I helped run a business for my brother, leading his night shift team. It was a BPO, and I worked hard in building his team and business. But deep down, I always knew that I was a techie.So, I drifted from there, and in the next couple of months, I landed in M2P. I have entirely rejuvenated as a person. As I was a fresher to the domain when I just started, I took baby steps. And, with the help of the programming languages that I excelled at, I started growing day by day with M2P.<h2 class="heading-node" id="a20c">What are your hobbies/interests?</h2>My interests are lined up as I am usually a person who is passionate about learning new things from cosmology-seismology to cooking-gardening and much more.But to talk about hobbies, I play carrom, chess, and video games. In addition, I am very fond of cooking. I love both cooking and eating South Indian, French, Mexican, and Italian cuisines. Yes guys, I cook all the time.I go by describing myself as a person who is ‘mad about traveling,’ hahaha. I have travelled to almost all places in Tamilnadu, and I love driving to hill stations and on empty roads. So, my next destination would be the Pothigai hills.I like to read a lot of books, work on papers of many renowned scientists like Einstein. Wikipedia is everything to me. I love to work on research papers in Astronomy and Quantum physics. Since my childhood, I was also eager to do gardening in our house.<h2 class="heading-node" id="1013">Anything else you want to share about M2P?</h2>M2P is an exquisite place to learn, work, and grow. We M2Peers do everything in our own way.So, I would like to say to all my colleagues, ‘Let’s rock and roll.’<a class="link" href="https://m2pfintech.com/newsletter/">Subscribe</a>&nbsp;to our newsletter and get the latest fintech news, views, and insights, directly to your inbox. Follow us on&nbsp;<a class="link" href="https://www.linkedin.com/company/m2pfintech/mycompany/">LinkedIn</a>&nbsp;and&nbsp;<a class="link" href="https://twitter.com/m2pfintech">Twitter</a>&nbsp;for insightful fintech tales curated for curious minds like you.

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