[[Image:Jewellery finance.jpg|thumb|center|600px|Cheaper loans for jewellery]]
==== Microfinance ====[[Image:PersFin Microfinance.jpeg|thumb|center|250px|Microfinance is a major trend in India]]* 1.4 million microfinance groups in India * Over 20 million members for microfinance groups* According to [http://www.uncdf.org/english/microfinance/newsletter/pages/2005_06/news_india.php one estimate], 30 million non-agricultural enterprises and 50 million landless households in India collectively need approximately $30 billion credit annually* Microfinance is growing in South India, which contrasts with the stagnation in Eastern, Central and North Eastern India* Downside: Microfinance involves very high transaction costs given the small amounts of money involved for each loan, which necessitates high transaction costs
==== Peer-to-peer banking - Emplowering C2C commerce using a finance intermediary like PaisaPay ====