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That is where Pankaj Agarwal’s TagHive stepped in with its app Class Saathi which works equally well in classrooms with and without computers.
Global IndianstoryPankaj Agarwal: The Indian entrepreneur changing edtech for rural India
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Pankaj Agarwal: The Indian entrepreneur changing edtech for rural India

Written by: Global Indian

(August 10, 2021; 6.30 pm) That learning will increasingly go digital is a given. Especially, in light of the pandemic that has brought the world to its knees and shut schools and colleges across the globe. 2020, touted to be the year of edtech startups, saw several enterprises step in to provide solutions for a smooth takeover of virtual classrooms. However, there was one glaring gap that couldn’t be bridged — what of rural India with its digital divide? That is when entrepreneur Pankaj Agarwal decided to introduce an app Class Saathi through his startup TagHive. The app works equally well in classrooms with and without computers. The solution does not require internet or electricity to work; only a smartphone for the teacher.  

The service uses a clicker solution that works alongside a mobile phone app which works well even in the offline mode – making internet connectivity issues redundant. In fact, one of Agarwal’s key focus areas has been to create solutions that will help reduce the dropout rates in India’s schools. His work, got him noticed and the 38-year-old was featured in Fortune’s 40 Under 40 list this year.  

#Fortune40Under40
IITK alumnus, Mr. Pankaj Agarwal, gets featured in Fortune India 40 Under 40, 2021. He is the Founder and CEO @taghive Inc. Founded in 2017, TagHive is a Samsung-funded #education #technology company with headquarters in South Korea and India. pic.twitter.com/5v6OI1DICo

— Dean of Resources & Alumni, IITK (@DoRA_IITK) June 3, 2021

Agarwal’s mission has been to reduce dropout rates in schools. In an interview with The Week, he said,  

“The dropout rates widen as we go from grade 1 to grade 8. Our focus is to reduce the gap in the early stage.”    

According to Agarwal, a leading reason for the high dropout rates in India’s government schools is the learning gap that widens as the grade progresses. Class Saathi offers teachers special features to identify and reduce these gaps.  

Journey to the top 

According to his LinkedIn page, Agarwal knows the value of good education. 

“I come from a small village in India which had no good schools. From there, I went on to study in the best of schools across 3 countries. That led me to believe that education is a great equalizer in life and that technology can help improve the quality of education,” he says.

Agarwal did his B.Tech in Electronics and Electrical Engineering from IIT-Kanpur before moving to Seoul for his Masters at Seoul National University as a Samsung GSP Scholar. Upon his graduation, he joined Samsung Electronics in South Korea and worked there for over three years.  

His thirst for knowledge though drove him to aspire higher. In 2010, Agarwal became the first international employee to be sponsored by Samsung for an overseas MBA and studied at Harvard Business School. This was followed by four more years at Samsung in South Korea: first as advisor to the CTO and then as Creative Leader at Tag+.  

That is where Pankaj Agarwal’s TagHive stepped in with its app Class Saathi which works equally well in classrooms with and without computers.

Pankaj Agarwal

Entrepreneurial journey 

All along though, Agarwal knew he wanted to do something to give back to his country; especially in the education space. So, in April 2017 he quit his cushy job to dive headlong into entrepreneurship and founded TagHive, a South Korea-headquartered company that was seed funded by Samsung Ventures. Under TagHive, Agarwal launched Class Saathi, a learning solution tailor made for India. Requiring no electricity, internet connectivity, low maintenance and low cost, it is perfect for classrooms across the country; especially in rural India where the digital divide is a glaring chasm of uncertainty.  

Based on the concept of quizzes, Class Saathi provides students with clickers which connect via Bluetooth with the teacher’s smartphone. The startup also ran a pilot project in Uttar Pradesh which found that attendance and learning outcomes of students had gone up significantly within a month. This led the UP government to invite TagHive to deploy its solutions across 200 schools, followed by a project for the Madhya Pradesh government covering 2,000 schools. Agarwal told The Week,  

“Class Saathi is a lens that lets us now see things that were not possible earlier. It gives schools and governments tangible data to evaluate and assess the educational system.” 

When the pandemic struck last year and schools across the country were forced to shut down, Class Saathi began to focus on its at-home learning app with content for Math and Science tailored for classes VI-X based on the NCERT syllabus. The self-learning app can be used by students at home for self-evaluation and to gauge the learning process.  

According to data by UNESCO, 1.2 billion children are out of school globally due to the pandemic and the unprecedented toll it has been taking on our education system. This is where an edtech solution such as Class Saathi steps in to ensure that students continue to be able to access education and Agarwal’s unique perspective has been helping the startup offer India unique solutions.

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  • Class Saathi
  • COVID-19 pandemic
  • digital divide
  • edtech startups
  • Fortune’s 40 Under 40
  • Global Indian
  • Harvard Business School
  • Harvard University
  • IIT-Kanpur
  • Pankaj Agarwal
  • Samsung Electronics
  • Samsung GSP Scholar
  • Samsung Ventures
  • Seoul National University
  • South Korea
  • TagHive
  • virtual classrooms

Published on 10, Aug 2021

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[caption id="attachment_21258" align="aligncenter" width="670"]Entrepreneur | Ramya Ravi Ramya Ravi with her sister Shweta[/caption]

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[embed]https://twitter.com/bbcideas/status/1280095900128468992?s=20[/embed]

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British Indian entrepreneur Akshay Ruparelia

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British Indian entrepreneur Akshay Ruparelia

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Breaking ground 

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British Indian entrepreneur Akshay Ruparelia

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A bend in the road 

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[caption id="attachment_57141" align="aligncenter" width="467"]Ameet Patil | Ecobillz | SaaS entrepreneur | Global Indian Ameet Patil[/caption]

That talent continued to grow and moving from one school to another helped him develop the art of being able to converse with everyone. Back in Belgaum, he would spend his days with his uncle, who had just started a 'computer institute', where Ameet would teach the kids who came to learn. As it happened, his first assignment as a coder in 1994 was to create a software on Windows 3.1, to digitize (as the term meant then) - the billing process for a local foundry. In college, although he admits his attendance was very poor, he was happy to step in when his teachers didn't show up and take the class instead.

The IT boom 

By the time Ameet Patil graduated, it was evident that he wasn't cut out for a run of the mill day job. In 2000, he and a friend were the only two students to be recruited during the campus placement process. "I had an offer from Wipro but I never joined," he says. Still, he was well and truly captivated by the IT boom in nearby Bengaluru, with Wipro, Infosys and TCS landing huge contracts. "By the time I joined Wipro, the recession had hit and all job offers had been deferred."

This was a difficult time, Ameet says. Frustrated, "after having done so much," he had to return to Belgaum. He joined his alma mater as a lecturer, where he taught data structures, algorithms and analysis. His brief encounter with corporate life came at Oracle in Hyderabad, where he spent two years. Like most other IT whiz kids, he was fascinated by Linux, "I would borrow the magazine PC world, which I couldn't even afford to buy, and read every word." He would hurry home from the office to develop his own, real-time office. It was also when he met Neil Audsley, a professor of real-time and embedded systems at the University of York.

Ameet wrote to Neil sending him notes and bits of code he had written. Audsley wrote back, impressed, asking Ameet to join him for a PhD. The idea came from out of the blue - Ameet was doing well at Oracle, the company was even planning to send him to America. "When you join an MNC, they send you abroad so you don't leave," he says, by way of explanation.

In the UK 

“I trust you, but I want to keep my house,” were his father’s anxious parting words, as Ameet Patil left for the UK. His decision had alarmed the family for various reasons – one, it was very expensive. Besides, those were the days when doing a PhD meant a tacit admission of professional failure. Finally, his father mortgaged the family house so his son could study.

Ameet Patil | Ecobillz | SaaS entrepreneur | Global Indian

Ameet remembers his father’s words with some amusement now but it was, at the time, a sombre occasion. “I was confident,” he says. Sure enough, the faculty was so impressed with his work that he was offered the role of a research assistant and paid a stipend with all his expenses covered. Before he knew it, the young man from Belgaum was traveling the world, from Korea to Mexico, presenting papers and journals.

Four years later, he was handpicked by RAPITA systems for his expertise in real-time software. He did well there and was on the verge of becoming a permanent resident but couldn’t ignore the niggling in the back of his mind. “I wanted to come home, to start my own business in Belgaum and put my hometown on the world map,” he says. He did just that in 2009. Back in India, he founded Spundhan Softwares Pvt Ltd, which was later merged into the LinkEZ Technologies Private Limited. The company was working on cutting edge IoT ecosystems.

Ecobillz – the early days 

True to his word, Ameet returned to Belgaum to start up Ecobillz in 2016, where unfortunately, the idea floundered. His customer base comprised smaller, brick-and-mortar retail stores, with a turnover of around ₹1 crore. Saving paper wasn't really the need of the hour. "It was a struggle," Ameet says. "Nitesh and I wondered if we had made the wrong turn." That changed, however, when they were selected by NASSCOM's 10,000 Startups Programme, which brought Nitesh to the organisation's incubation centre in Domlur, Bengaluru. When they did that, "the horizon changed," he says.

In 2017, they approached the Future Group, then at its peak. "They evaluated our product and before we knew it, were live in 2500 stores across India, all in the span of three months.”

In 2019, when the Future Group declared bankruptcy, Ecobillz was the first to go. However, Nitesh, who worked out of the NASSCOM office in Domlur, would look at the five-star hotel opposite and wonder if their prospects in the hospitality business would be any better.

The first foray into hospitality 

The two co-founders, reeling from yet another setback, picked up the phone and began calling the hotel. "We made hundreds of calls, none of which were answered," Ameet says. Finally, their persistence won the day and they were asked to meet with the General Manager. They sat down and were told, "I'm so irritated with the two of you. All the same, I'm intrigued." One conversation was all it took.

[caption id="attachment_57139" align="aligncenter" width="401"]Ameet Patil | Ecobillz | SaaS entrepreneur | Global Indian Ameet Patil and Nitesh Singh Rathore[/caption]

The Ecobillz team was offered office space in the hotel, where they remained for the next couple of months, "day in and day out, working in F&B, guest experiences," and all the various other processes. They created a digital experience for guests to check in and check out, replacing the lengthy bill that was once the norm. "We integrated the payment gateway too," he says.

Business was thriving once more and Ecobillz was approached by another leading five-star hotel chain. "They invited us to the Gurgaon hotel for one month." This group, one of the largest in the country, owns 22 properties across India - Ameet and Nitesh stayed at all of them as they worked. Audits were being done on paper and huge bundles would go from various locations to the central offices. The load was so big that the hotel had a chartered flight system, carrying the audits on planes to Delhi. The process, Ameet says, would take about a month. "We digitized everything. People with the right access can log into the centralised database form anywhere. We also did automated audits, freeing up time for employees in the process." Now, the company works with nearly all the major five-star hotel chains in India.

The company is expanding across the world and Ameet, who now lives in Bengaluru with his wife and kids, is looking at the Quick Restaurant Space as well as aggregators like Swiggy and Zomato. "And to think," he smiles, "I almost became another cog in the brain-drain trend, had I stayed on in the UK for one more year!"

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Starting in an industry at a time when sustainable business was almost unheard of in India, today, she is a regular face at UN events, introducing various stakeholders to the need to scale technology to mitigate climate change and achieve sustainability goals. Incidentally, she had appeared on BBC on these topics as well. 

From Bengaluru to the world 

The quintessential Bengaluru girl, chose to study science till high school before switching to a degree in history and economics at Lady Shriram College, Delhi. Determined, she even considered IAS. However, after graduation, she married her then boyfriend, Shibu Thomas. “I gave up an admission for post-graduation in the US, chose marriage,” she tells Global Indian. 

Leena was 23 then, and she continued to study and work. International business fascinated her as did environment goals. She landed her first job with the Indo French Chamber of Commerce and Industry and also got her MBA from ICFAI, Hyderabad through distance education. Within a few months of marriage, Leena started up with SNL (1999) which focused on international business and environment technology at age 24. Shibu, then a restaurateur, became her angel investor. 

[caption id="attachment_17130" align="aligncenter" width="1024"]Global Indian Leena Pishe Thomas Leena at the WIPO event in Geneva[/caption]

Around this time, Leena also began consulting with the Alliance to Save Energy for United States Agency for International Development (USAID), working with state governments in India to transition to energy efficient solutions to cut costs. “We helped local municipalities work towards energy efficiency for municipal water utilities and streetlights,” she says, adding, “This was probably one of the most impactful projects we worked on as until then local governments didn’t have measures to ensure energy efficiency.” 

She could have it all 

In 2005, when Leena had her second daughter, she shut SNL and took a 1.5 year sabbatical. Her next role was with the Clinton Foundation, and it turned her perspective towards using technology for climate change mitigation. She was instrumental in starting and establishing Clinton Climate Initiative programmes in India. “I worked with the Foundation from 2007 to 2009 and it was everything I believed in. Motherhood also changed me in a big way. My ideas became clearer, and I became confident. It’s what gave me the push to launch GBI in 2009,” says Leena. 

Incidentally, there was a time after her wedding when she had contemplated giving up her career altogether. “I’ve always been very family-oriented and didn’t mind putting my career on the back burner. It wasn’t easy juggling the kids, a home and a career,” she smiles, adding, “That’s when Shibu stepped in and convinced me to continue working. He showed me that I could have it all.” 

Global Indian Leena Pishe Thomas

Winds of change 

Setting up GBI with her own income, she turned the spotlight on her expertise. “The company has been focusing on discover (discover technology to showcase methods to the community), develop (develop new green tech), develop and then deploy this technology into the market,” explains Leena, adding, “I began GBI as a private sector company to make it a way of life, not just something that governments have to implement.” 

She feels that sustainable living is two pronged: environmentally-friendly and lasting, and that electric vehicles are going to define the next decade for the world and India. “The focus is going to be on green mobility in the years to come. India is coming up with a lot of homegrown innovation in the EV sector. When GBI detected this trend five years ago, we began to support innovators working in the space.” GBI has now developed and launched an online portal for technology collaboration – www.globaltechinterface.com too. 

On the path to success 

Today, 12 years since its inception, GBI is a company that is scaled for growth. Two years ago, in 2019, they began going international, setting up offices in Europe, US and UK and project teams in Malaysia and Sri Lanka. Shibu, her husband, who co-founded GBI, is actively involved in managing the business aspect of GBI and focuses on the company’s international expansion. 

[caption id="attachment_17131" align="aligncenter" width="606"]Global Indian Leena Pishe Thomas Leena and Shibu at GBI's Europe office in Bulgaria[/caption]

For Leena, her entrepreneurial instinct stems from her upbringing. Her grandfather Pishe Narayan Rao, who was orphaned early in life, would sell safety pins on the footpath in Bengaluru’s MG Road to survive. “He worked his way up, and soon set up his first store at that same spot. Today, PN Rao Suits is well-known across the country, and has branches in several cities,” she adds. Her father and mother too led by example. “My mother opened several doors for me, and encouraged me to try so many things. It helped me build the resilience to do a lot in a day and make it count,” says Leena, who loves to unwind after a long day by cooking and watching global cinema on OTT platforms. 

 

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Reading Time: 10 mins

Story
Shivani Siroya: Indian American entrepreneur in Fortune’s 40 Under 40 list is changing lives one microloan at a time 

(August 25, 2021) Did you know that only 31% of the world’s adult population is covered by a credit bureau and around 3 billion adults are considered financially underserved? Take a look at any of the thousands of small business owners in developing nations and you will realize that most of them lack financial options to improve livelihoods. It is statistics like these that drove Santa Monica-based Shivani Siroya to launch Tala, a fintech company back in 2011 as a way to bridge the financial gap in emerging markets. Today, Tala has raised over $200 million in venture funding from investors like Female Founders Fund, PayPal Ventures and Revolution Growth and has disbursed more than $1 billion in microloans across countries like India, Kenya, Tanzania, and the Philippines.   [embed]https://twitter.com/shivsiroya/status/1146563257123004416?s=20[/embed] Tala’s customers typically have no formal credit history, a major deterrent for the financially underserved when it comes to applying for and obtaining loans. What the enterprise does instead is, rely on its own data science to assess risk when approving loans. The company’s mobile platform provides loans for as less as $10 to $500 (some times up to $1000 too) and by using technology to provide opportunities to those underserved by the financial system. The mobile lending app featured twice on CNBC’s Disruptor 50 company list and 38-year-old Siroya was also featured in Fortune’s 40 Under 40

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approving loans. The company’s mobile platform provides loans for as less as $10 to $500 (some times up to $1000 too) and by using technology to provide opportunities to those underserved by the financial system. The mobile lending app featured twice on CNBC’s Disruptor 50 company list and 38-year-old Siroya was also featured in Fortune’s 40 Under 40 list in 2020.  

From investment banking to entrepreneurship 

[caption id="attachment_8168" align="aligncenter" width="640"]Listed in Fortune's 40 Under 40 List, Tala's founder Shivani Siroya is changing lives one microloan at a time. Shivani Siroya, founder Tala[/caption]

Born into a Rajasthani family, Siroya grew up in New York where her mother, a doctor, moved in her 30s to provide her family with better prospects. Siroya went on to do her BA in Government and International Relations from Wesleyan University, Connecticut. Following this she did her MPH in Quantitative and Health Economics from Columbia University before taking up her first job as an equity research analyst with UBS Financial Services. She also worked with PricewaterhouseCoopers as an associate but found these jobs disillusioning according to an article on Medium.  

This was when she took her first step toward solving a problem: she quit her investment banking job and joined the United Nations Population Fund where she studied the benefits of microcredit programs. For the next 2.5 years Siroya worked on recording the habits of 3,500 people across Africa and India. She would follow her subjects to work, the market, and home to tally how much they spent on food, education and bills. This firmed up the belief she’d held since childhood – most people could be trusted to make smart financial decisions. However, what troubled her was the fact that her subjects couldn’t get credit to grow their businesses since banks viewed them as high risk. Siroya began loaning some of them her own money and based their credit worthiness on the information she had documented.  

Her desire to do something beyond the regular 9-to-5 stemmed from the fact that in her family work was always synonymous with doing something bigger than oneself. In an interview with Career Contessa, this Global Indian said,  

“Work has always been about finding something that you truly love and can pour yourself into. Growing up, I loved comics and wanted to be a superhero that could change the world. I saw this in my mother, a doctor, who allowed her patients come to see her on credit because she knew and trusted them—I learned early what credit and trust could mean for a person’s life.” 

Siroya who grew up in New York but spent a lot of her childhood in Rajasthan, says that this gave her a global perspective. Her parents taught her to understand how differing access to resources and opportunities can impact one’s ability to be successful and affect the choice and control one has over their destinies.  

[embed]https://www.youtube.com/watch?v=kSR8G8mfp84[/embed]

The genesis of Tala 

By 2011, Siroya launched Tala and developed an Android app that gives instant credit scores to people in emerging markets. The credit score is based on daily-life data from their smartphones and the company also acts as a lender granting microloans to a mobile wallet. Over the years, the company has garnered over 4 million customers and has disbursed loans upwards of $1 billion through its platform.  

Tala’s model is built around what Siroya calls “radical trust”. Customers share their cellphone data with Tala and in return the company gives them an unsecured, short-term loan. The loans must be repaid in 21 to 30 days and Tala’s repayment rate is above 90%.  

On the global stage 

Her work has earned her global recognition: Siroya has been an Ashoka Fellow since 2013 and in 2018 was nominated by Melinda Gates as a Wired Icon. Tala itself has featured twice on CNBC’s Disruptor 50 list and Siroya was named in Fortune’s 40 Under 40 list last year.  

Talking about women entrepreneurs, Siroya told Career Contessa, that she needs to trust herself.

“In the journey from idea to the company, I’ve learned the importance of developing expertise and listening for insights.”

She recommends entrepreneurs do their homework, identify their hypothesis and test it and listen to their customers. "Don’t come into the conversation assuming you already have the answers. If what they’re saying about your product or service is something you don’t want to hear, or hard to respond to, it’s in your best interest to listen. Your success depends on it,” she says.  

Reading Time: 8 mins

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About Global Indian

Global Indian – a Hero’s Journey is an online publication which showcases the journeys of Indians who went abroad and have had an impact on India. 

These journeys are meant to inspire and motivate the youth to aspire to go beyond where they were born in a spirit of adventure and discovery and return home with news ideas, capital or network that has an impact in some way for India.

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