CRED's Genius Business Model EXPLAINED

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VIDEO INTRODUCTION:
CRED rewards users for paying bills through the app. But what is the business model of CRED and how does CRED make money when it’s a free app?
We will understand the business plan of CRED and also give 3 bold predictions based on our judgment about the future of this unicorn.
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#CRED #indiranagarkagunda #kunalshah #CREDcasestudy #ThinkSchool

[@backstagewithmillionaires]

My mind is blown Ganesh! The quality of your videos is so high: the lighting, the audio, your clear and to-the-point presentation, and the research that went into writing the script... There's a reason your channel is on the rise, and I can't wait to see it reach 100K subs and for you to get that silver play button! Wishing you all the best. -Caleb

[@arpitanand6534]

And so is yours! ❤

[@rankingresearchdata]

Your channel is also way much good

[@AMANSINGH-xj2vw]

Ur too caleb👌🏽✌🏽

[@tell5g]

Get lost dead channel 🤣🤣🤣 English doesn't work in india by the way specially on yt

[@rankingresearchdata]

@@tell5g don't act like illiterate. He is making content on indian business so praise him

[@jasondsouza1284]

I got an Ad from Cred for this video😂

[@chinmayshukla5621]

Shit man. I'm trying to avoid cred ads so bad. I just ruined my recommendations now. I'd buy youtube premium to avoid the annoying cred ads.

[@unhingedninja8565]

@@chinmayshukla5621 me with my adblocker hehehe

[@youtubeking2686]

@@chinmayshukla5621 Use adblocker instead

[@saratmondal2000]

I am too

[@hd8912742764]

Same here 😂

[@ADSWR]

The fact that they updated the thumbnail to a 5 month old video shows how dedicated the TS team is.

[@thatguy6442]

literally every video

[@r17ish]

Good move also... that's the reason I clicked on the video. Anyways good video

[@thedudewithvideos4899]

*And yes the subs increased too*

[@kshitizaggarwal1]

You mean desperate to increase views?

[@tradersworld1569]

​@@kshitizaggarwal1 to spread value content ?

[@amitchauhan764]

When did Mandal from Pitchers start making KZbin videos?

[@taaztazeem9064]

Bhai tum mahaan ho.... Sahi pakde ho .. he looks exactly like mandal

[@sachinsh6153]

Exactly

[@adityavitekar]

Wah

[@zidrx5512]

how to unsee it?

[@shre6619]

Toh kya kare, startups ideas ko pitch hi toh kar raha hai yeh

[@PureMassageWorld]

You have gained 50k plus subscribers in last 7 days. Much deserving❤️

[@ThinkSchool]

Thank you so much :)

[@prathmeshchandwale1506]

Thats just a number People are getting aware thats what counts

[@manishgoyal8815]

@@ThinkSchool Whats your business model of providing free youtube content through your channel?

[@ChartedInn]

Damn!

[@Brand250]

Yes KZbin is recommending me lot's his video from yesterday i am also subscribed now😁

[@ganeshshinde5499]

Yes I prefer spending 20K on books and education, you got me😂

[@ThinkSchool]

Haha 😂 High five bro

[@ganeshshinde5499]

@@ThinkSchool 🤘

[@abhishek.6325]

Heard of internet

[@ThinkSchool]

@@abhishek.6325 No bro.

[@ShahbazKhan-pc3dp]

@@ThinkSchool thats sad bro

[@user-ry5eb8ti9v]

Honestly speaking.... If Cred doesn't exist tomorrow, my life wouldn't change at all. To determine (as a consumer) whether a startup is a genius business model or not just think how will your life get affected if that company/startup didn't exist!

[@zoroaniki8145]

As if people open startup with the sole purpose of bringing out a significant change in ur life😂😂. The reverse of what u said might be true though... If u don't exist tomorrow, nobody might give a single duck

[@user-ry5eb8ti9v]

@@zoroaniki8145 true that but that doesn't deny the fact Cred is NOT any genius business model as this guy says and also the point here is so called genius Cred and not giving fucks or as you may say ducks

[@sibgatullahrahmani6079]

On A lighter note-if you dont exist tomorrow, Cred valuation would not change at all, As you are not the one cred is looking for. For example as you said we need to to think from POV of consumer whether that company is genious or not, For that you need to be in the consumer segment of any company. If you are not then certainly they dont care. they will bring change in life of their consumer base not all. Hope you got my point

[@user-ry5eb8ti9v]

@@sibgatullahrahmani6079 yes I understand your point, but it doesn't make sense to compare this with what jio did (as mentioned in the video) Even if I am a non-jio user, I would face a lot of problems if jio all of sudden vanished, as the humongous number of people who dependent on the network would also be unavailable online all of a sudden.

[@AJAYTIWARI-ig4wy]

@@user-ry5eb8ti9v The target of both the companies are way way different. not even 5% of India holds a credit card so the market for CRED is confined but on the otherhand these are the richest people in India who will eventually use their money. Jio was more like a company for everybody. Cred has a specific targeted audience. And yes if CRED disapprears tomorrow trust me it make a massive change atleast for me.

[@7eventzzcom897]

I Watched all your Videos Great 👍 But this was Very very Not at Point at All It will be in same situation as paytm .. customer's will use only till the time they are getting some good Benifits once it will stop giving those benefits people will switch to any other alternative app

[@ojasvishwakarma9964]

You are wrong here. You are not considering the fact that CRED hasn't targetted the middle-lower class bracket. It's the middle-rich class of our country who are using the credit cards. For the middle class, incentives could be a reason to use the app quite often but for the rich section, simplicity and user experience would be the major factor.

[@damas9054]

Your logic is flawed as cred is credit card payments company not a coupon provider

[@7eventzzcom897]

@@damas9054 Bro I never said about coupons .. I'm saying when people will not get any offer from CRED in Future they will stop using the App . Only offers and additional benefits can make the company to survive... Which still you can see in food delivery apps like Zomato and swiggy

[@_VaibhavBajpai-ou3hl]

He talked about irreversibility for a reason

[@jacksonjacob6917]

What happened about paytm?

[@yashrajgarhia6174]

This video is exclusively based on speculation without any clear indication on how profitability is/will be achieved.

[@Manjunath_Hi]

This summarises the video.

[@amoghdadhich9318]

Absolutely lol he skipped over the part of how people are currently sitting on lakhs of points with nothing to spend it on. Definitely not worth sharing access to email and financial data

[@vikassingh-cc1fq]

cred's revenue are just 53 lakh inr and expenses are 378 cr. it is a very risky gamble.

[@movementbuilders8828]

@@vikassingh-cc1fq It is no doubt a revolutionary idea. Imagine have the database of the Elite 1% and influence their purchase capacity, you can simply get all the investment back. But the secret is you have to have the funds and tenacity to sustain the turnaround time !

[@saurabhpatil4958]

as Harshad mehta said in 1992 , Risk hai toh isq hai... If you dont take risks on ifs and buts in a business you can never be a business man

[@vivekkotecha]

9:41 How is CRED going to redefine 21st century for India if it's only targeting the top 1% ? The majority of India that actually needs their lives to be "redefined" don't even have credit cards

[@aniketadhav2737]

Because we are really conservative when it comes to how we spend cash . Thats the reason CRED is going to fail probably.

[@DigiLiterate]

@@aniketadhav2737 When people dont even have money in their hands to even withdraw money from ATMs then forget about Credit card and all bulshit.

[@saintmumbai]

and the top 1 percent is already getting exclusive services from their bankers with a relationship manager assigned to them. ..not very convinced Cred can break that with an app.

[@Devilzcallin]

@@saintmumbai those managers take a lot of ur time & hardely have answers... surely it will grow

[@Hoodiekat827]

There are hundreds of people putting their brain in the company they surely are thinking about something

[@pallavshrivastav648]

With that background tone and the excitement with which he delivers this speech can make me believe anything he says.

[@aneerpa8384]

I would think Mr Kunal Shah will inflate the CRED valuation and will sell it to some other company at dream proportions just like he did for FreeCharge. The phase 4 described here is questionable as seems fictitious. Still it was very insightful. Thank you.

[@uncannyroaches5933]

If that happens then we will sell mr kunal shah

[@manishpande9610]

This video is not properly researched . The boy says that kunal shah will sell the company but that is never his vison. he thinks that nowadys people mostly do not go to banks as all the things are done via net banking and other digital means .the audience that cred will accumulate will be advertised with loan ads and schemes sponsored by the banks . he thinks that cred will develop proper audeience who are finanacillay educated . the main idea behind the startup is basiccally based on advertisemnt only . i think this makes sense . what the guy said is known by everyone what new did he said

[@devpanchamia5983]

This is your correct opinion you notice he is using investors money as a cash burn in cred he himself has money from freecharge he could use that if he seriously wants to build cred

[@manishpande9610]

@@devpanchamia5983 he himself said that he invested some money of freecharge for cred and invested the reamaining in other startups

[@KBS_ar]

Indian startups are a bunch of scammers. They are not profitable at all! They just inject money into the business via investors not customers. Their way is so simple and dysfunctional: they provide generous free services on the basis that they will attract customers than start to charge them. But there’s no guarantee that they customers will pay for you! Most times they screw you, there is no a contract which by customers are forced to buy for your services. I feel sorry for every investor who got his money burnt by an Indian scammer, only people they are benefiting are ads fox and begging customers. It’s a fucking charity not a startup, even charites now do generate profits but they spend it internally instead of giving profits to owners.

[@trolly9206]

Waiting for Cred to go public so I can short the stock. The massive flaw that still no one sees is mindblowing to me.

[@ThinkSchool]

Wow

[@trolly9206]

@@ThinkSchool come back to this comment in a few years, when VC money stops, public investment backs away, so while IPO will be the only option, only those people will invest who think there's guy pulling the earth with his chariot. You'll see. You can't alter people's behaviour by throwing money at it. Once that stops, the incentive is gone, and then you're left with the biggest pile of excrements.

[@3rdvoidmen594]

@@trolly9206 Excellent description of what's happening with this company. It's a dead man talking.

[@pawanjoshi2505]

@@trolly9206 very very true, I don't see cred making any consistent profits, it might have worked in some other country certainly not in India 😂

[@satisfying3446]

2008 ☺️

[@vageeshajm990]

One fine day, kunal shah will sell this over inflated company to others and move to next. Its ridiculous how Indian startups are overvalued.

[@raunaq571]

Accurate.

[@mohammadparvez7507]

Yes , he will bring IPO and he will exit

[@mohammadparvez7507]

@@vipulsharma1897 I think Ur that shit buyer

[@vipulsharma1897]

@@mohammadparvez7507 gadhe ki gaand 'you are' likhte hain

[@mohammadparvez7507]

@@vipulsharma1897 u are Financial bhakt

[@anandbadrichetty3671]

The content in your videos is so high, absolutely worthy, Keep doing the same work, i wish you will get whatever you aim for in your life. more strength to you man

[@_agrawalchirag01]

I have been so stuck in search of how the stage 4 will look for CRED !!! Thanks for providing amazing insight into it !!!

[@praneshanmowvansiddhapatha776]

What a brilliant explanation! I was stuck in a boring seminar and I watched these without audio, just the closed captions and it still had me hooked the entire time!

[@kuleenkaushikg2990]

This is undoubtedly one of the best channels, amazing way of explaining and sharp points. Wish you all the best man, Ganesh!

[@ThinkSchool]

Thank you so much Kuleen ♥️ These words mean alot to me :)

[@mandarsalunkhe09]

100%

[@kalpeshchoudhary7092]

L

[@shifahub3167]

Agree completely

[@rishabhmehta8146]

Zzzzzzz

[@abiramieudayakumar]

Why am I still employed after watching this channel? I am really interested to understand how you create business case studies like this one. Your curation is on point. Please make a basic video on how you decide the topic, research and curation

[@ZakLiTLearnfortheEnvironment]

As a small KZbinr 1st thing which i learned from this video is Put the thumbnail as per the current scenario...You are genius Sir...I am super impressed..❤️❤️❤️

[@manojkumar-hk9mk]

No memes, only news that give knowledge without any crappy things.this channel was one of them with best news.

[@ThinkSchool]

Thanks bro :)

[@ADSWR]

No memes? This guy works so hard to put the memes seamlessly. Not even sure if he did a job so good that you didn't notice or you are overlooking his hard work.

[@ThinkSchool]

@@ADSWR haha :) Thanks alot bro ❤️

[@ADSWR]

@@ThinkSchool You're welcome, bro. Keep posting quality videos. Love them!

[@ShubhAshish]

_Wonderful insight dude._

[@theananyatalkstat5210]

Damn you are alive...

[@abhishekrai1060]

Why I meet you on every KZbin comment section?

[@ThinkSchool]

Thanks alot bro :)

[@soorajkanram2577]

I think I've finally found the most useful channel on youtube...no cinematic b roll bullsh*t...no crazy intro...no stupid ads and sponsorships...just pure knowledge worth billions conveyed clearly and precisely. Thank you brother

[@ThinkSchool]

We take up sponsorships for good brands bro.. impossible to survive without it.. so dont hate us for that..

[@soorajkanram2577]

@@ThinkSchool 😂😂never

[@mohitsoni1529]

You allow CRED to read all of your emails and text messages to extract the credit card bills, also they can extract any other information as well whatever they want.

[@amandeepgupta8614]

The funny thing is the Video does not even explain the B of Business Model of CRED, and is titled "the genius business model". Business model inherently includes sources of revenue, costs etc. Nothing mentioned except apple to oranges comparisons and hollow thoughts. What a waste.

[@sathishramyen4235]

agree bro

[@bishwjeetdhar385]

This video is for general public not for just MBAs

[@sophok44]

Agree totally

[@teebone25]

Exactly! Thank you for saying it! This is the kind of content a school kid or a college kid with no experience would go gaga over. The comments sections just baffles me! How can people be so naive and not realise how hollow this dude really sounds!

[@anandrv81]

@@teebone25 thank you for saying this. This fellow is like a better read beer biceps....minus the biceps....

[@jeewssam8418]

Im from Sri Lanka and Im very fascinated with the new Indian start up community thats coming up hopefully i can learn something and do it in Sri Lanka. Also I love the fact that your doing this in English, so many Indian channels do these vids in only in Hindi. Awesome content!!

[@ThinkSchool]

Thank you so much :)

[@AashishKK_1992]

A lovely presentation! A good perspective of the future prospects of Cred.

[@sabirsheikh5135]

Thankful to KZbin for recommending this channel.

[@amitsaurabh9948]

nope, amazon will kill cred with its cashback and one place market. Cred coins are literally worth 0 and no cashback too

[@thanoswify199]

Wht ABT the offers like Ixigo and FreshMenu ???btw r u serious ABT the cashbacks thing ???

[@anaghatiwari5406]

Hail Amazon !

[@roysmith5711]

Kunal Shah's company's are never profitable and they never will be. They are just meant for selling to bigger companies and making him richer. I love this guy, he's a genius.

[@realdaakuu1843]

@Raj Because in long run they are not profitable

[@jhanvee007]

Lol, genius with great personal branding

[@roysmith5711]

@Raj becuase his products are not sustainable, his goal is to sell his dedicated user base to a big company.

[@roysmith5711]

his main product is his dedicated customer base, that he sells to other big companies down the line.

[@Prasaddongare]

He has fooled Snapdeal by the same process

[@akramraza1130]

Subscribed! 🙌 Literally well explained!

[@shivampatil9088]

Bro, you are doing fabulous work. Best luck. Let's change the way the past generations have learned including us i. e. learning only through bookish knowledge. You are giving practical hand to the information. Keep it up bro.

[@whatthequote5627]

This was something that I’ve been searching for. I’m so glad I stumbled upon this channel. Love the way you explain and really impressed by your insights. Please make more case studies like this.

[@ThinkSchool]

Thanks alot :) and also welcome to think school ❤️

[@kiranksibi3412]

As a marketer this is the best channels about strategy and marketing.And the story telling is amazing.Keep going and waiting for next marketing strategy videos.❤️

[@ThinkSchool]

Thanks alot Kiran :)

[@nikhileshchande15]

The way you present yourself with clear mind and focus on the subject is commandable. Its rather your speeches which are more encourageing than the substance. Great work. Keep up the high spirit.

[@tushnikchakraborty7954]

Amazing...just love the way you do the analysis and then decode the facts ....Keep Going...

[@SanajaobaChingtham]

As a cred user I agree with your analysis. They are super fast and super easy while paying bills and it updated almost within some seconds unlike the traditional method of paying bills where it takes almost 1 to 2 days, and not to forget its cashbacks and rewards. Only issue is about privacy concerns as they have access to a lot of things.

[@ThinkSchool]

True bro 🙌

[@GagandeepSingh-no7bx]

Profitability is not the priority of the start-ups in India. A bubble, will burst.

[@ranganathprahlad]

Exactly. But the founder will gain popularity, experience and exit with some hundreds of millions that's all.

[@nithinn987]

Bubble builds and bursts every day. Just that we don't notice every of them. Like wework, snap deal.

[@tbraghavendran]

what if someone blows it to inflate it more

[@GagandeepSingh-no7bx]

@@tbraghavendran Nothing will happen on the incidence, but the impact will be of millions lost of venture capital firms, and it won't affect them either because the funds they have in most cases is of public. Either by raising equity or in some cases even debt without guarantee.

[@nagame859]

If I see atleast one of your videos everyday...that will make my day Ganesh anna. You convey something which seems to be complex in the simplest way. Thank you so much bhayya🙏🙏🙏

[@sulabhjain9382]

Respect. Very informative and well put. I think this is the 3rd video I watched on the channel and I couldn’t resist subscribing. Thanks. Cheers 🥂

[@indiantrader4053]

Remember "If you are not paying for the product then you are the product" What about financial data privacy?

[@kapiljhajhria]

Users email. Cred has access to that. So that's the price. Access to our emails. It's a sponsored video.

[@mananwashere]

Yes, it's part of their business model. They sell user data and preferences to companies.So the companies can market better

[@Varun.singh.rajput]

SPONSORED VIDEO 😂😂😂 Cred is a fraud company who steal our personal data.

[@sour8182]

That's why it's free

[@streetrossi4966]

i think that ship has long sailed

[@ganeshradiga]

You spoke my mind when you mentioned CRED has data about the customer who payback unsecured loans(Majority Credit Card bills) on time. This can drive any bank towards lesser NPA and profitability. Micro Financing companies love to have this data to make their dream.

[@sharique7214]

Every bank already has this info.

[@ganeshradiga]

@@sharique7214 Thats true with Cibil and other record keeping agencies.

[@juliam1395]

@@ganeshradiga Cibil already have all the data, you can't do anything to defaulter if they are politically influential.

[@thunderb00m]

Lol, most people who use credit cards pay back on time that too the full amount. The money is made by charging the merchant and using the merchant fees to give offers to customers. And UPI is the biggest threat. If merchants see no difference in sales after stop accepting all these modes of payment and only switch to rupay/UPI, then they will be destroyed. I for one hope this happens. If merchants give a discount to people who pay by UPI then game over.

[@CodeVeda]

I'm amazed the way you are trying to understand and explaining in simple words. Wish things like these videos were there when I was studying :)

[@shubhamthakur3528]

This channel is gold mine on KZbin. You don't need an MBA bro you have it all here🧠

[@powergear5]

This should have been a 3 mins video, respect the CEO for building an empire in a short span of time and we require more entrepreneurs from India. How is CRED generating revenue? in the near future, if CRED stops its incentives, why should anyone use CRED except for hidden charges, late fees and so on?

[@annalisajohn]

CRED offers job to a few, but prolly saps up a whole lot of equity. Don't see it creating many jobs.

[@vignesh.n7744]

They will never create new jobs but create new opportunities for using costumers.

[@eshwar_dev6807]

In the times where youtube is a trashcan of influencers, here is dedicated Educator. 👏👏👏 wish you more and more success my friend!

[@ThinkSchool]

Thank you so much :) This means alot ♥️

[@bavidlynx3409]

The fact that you are comparing entertainers with educators proves that you are a fucking sheep

[@pulkitgarg210]

Subscribed. You are amazing, man. The way you explained everything making it so simple. Presentation, delivery, content, sarcasm, video creating. BEST!!!

[@ThinkSchool]

Thank you :)

[@vinodreddy3867]

Quality is top-notch bro.... I can't skip your video at alllllllllllllll.

[@YoungxAlpha]

Great content and delivery. Kept me hooked till the end. The soundtrack and the pace of the video was what kept me entertained.

[@omsonone5608]

Sir Kunal Shah after watching this video , "Let me hire Ganesh Prasad for CRED Marketing" 🙏🙏🙏👍👍👍👍 Changed my views about CRED n also broaden my knowledge about fintechs Great Video Thank You For This Amazing Content 🙏

[@ThinkSchool]

Haha :) That is sweet bro :) Thank you for your kind words ♥️

[@omsonone5608]

Really bro like till today I was not convinced for the CRED idea and app No advertisement and marketing was able to make me use cred But this video not only convinced me to use the same but to go very deep for Kunal Sir's innovative idea👍 Even any one who doesn't have any idea about cred and it's working can literally just go n use Cred

[@amitarora8767]

Thanks for sharing the information. Really loved it!

[@krishnakumarprabhu3763]

Fantastic video.....another very no-nonsense presentation from you....really understandable by the layman..... keep up the good work

[@rnvighnesh11]

Your channel has got 5k subscriber in last 5 hours🔥

[@jatinp9777]

With all of the revolutionary startups, you also going to be a revolutionary one.... your case studies, their explanation, main points and the way you understand the audience way of understanding ...Wow men...soo great 💯

[@ThinkSchool]

Thanks alot bro ♥️

[@sanketpaikade6918]

I really liked this video! Keep doing the great work man, you have earned my sub and like. ALL THE BEST!

[@tarunjadeja4371]

This channel is on next level... Seriously, ❤❤

[@theviralfox]

Every startup this days has to bear loss like Zomato and swiggy still recovering. The aim of any online business in India is to attract atleast 1 percent of population only. 1 percent seems small but its more then crore which can make any startup valuable.

[@ThinkSchool]

🔥🔥

[@patrickbateman7665]

I don't know why I'm watching this video even though I don't have Credit Card 💳 🤣🤣

[@anandkdt4]

I think you are interested in business

[@juliam1395]

Never use Credit Cards

[@Gvjadav]

Thank you for explaining so well about CRED.

[@nikunj204]

You are a great story teller. Love your work.

[@climabhi]

This is how you do content for the new india! Hope to see you grow like crazy, brother :)

[@ThinkSchool]

That is sweet bro thanks so much 🌟♥️

[@rathimeena100]

The more videos I watch, the more I am getting addicted to your Channel! Kudos! :)

[@lordofrodinia5033]

Your more frequent uploads have made this my go to channel for news with a splash of entertainment at the start.. Keep it up!!! A lot has changed and that's on everything but the truth is I don't even care much about bullish or bearish market anymore because Bryan Anderson got me covered as I am comfortably making 13.1B T C monthly.....

[@jurgen7540]

I have heard a lot about this guy on so many channels here on KZbin, some call him the crypto messiah! could he be the new wolf on crypto street....

[@leonardogustavo2929]

I met Bryan some months back and he has never failed to show me the positive angle of bitcoin trading through his signals

[@durihye2405]

I have been looking for a way to go about trading,, the fact i am a newbie i believe i need someone that understands that market, someone to give me all the right advice i need investing, thank you for sharing this helpful comment

 Legendary update! I can see that this is a start of something special..

[@nipunjitsingh5224]

Your videos are amazing, I have ended up watching 3 of them at a strech and I will go definitely watch all of them 😀

[@ThinkSchool]

♥️♥️

[@dixarthpatel85]

I really loved this video, KZbin randomly suggested this. Keep going bro

[@ThinkSchool]

Thanks bro ❤️ Welcome to think school :)

[@dipanshumutreja2323]

I am absoluted inspired by this Video being a creator myself. Ganesh lovely work. Thank you for inspiring this soul today :)

[@Realityoflife888]

This is amazing. Crisp and clear

[@tariqueejaz7142]

Addicted to your videos.. much appreciated

[@keshavpradeepramanath7994]

High quality content backed by facts and anecdotes!!!

[@ThinkSchool]

❤️ :)

[@Vedant-Deshmukh]

This channel is amazing. Well researched content presented in a good and easy way. Highly recommended for people into startups and business, or people looking for overall growth and self-help

[@shubhamchaurasia7144]

I found this strategy on only a few youtube channels that they change their thumbnail and get more views on their videos. But I genuinely loved that your videos are getting more views by doing this.

[@saswatpani5084]

Best case study explanation ever seen in youtube.....Learned a lot Thank u brother ❤️

[@ThinkSchool]

Thank you so much ❤️

[@rebel1439]

Cred ia definitely going to hire you as a new advisor, just as per your strategy here 😅

[@ajayambekar3909]

Yes you are right

[@alaranaprathap1891]

Yeah sure, make this to reach Kunal shah

[@shaikirfan9499]

seriously, itna to shyd cred wala bhi ad nahi kiya hoga.. LOL

[@Ak-yg7mi]

@@shaikirfan9499 all cred has done is ads

[@manivolmax1358]

Exactly..like he's looking for a job in it n this is his resume.

[@manojkumar-hk9mk]

I think this channel has LOYAL CUSTOMER BASE. Every video is upto mark in views and in information.

[@ThinkSchool]

Thanks alot bro ♥️ it got wonderful people like u who support the channel :)

[@bharathrohith3560]

This was my 2nd video I watched on your channel and there you Im now "Think Schoolian". Keep posting man. Great content

[@ThinkSchool]

❤️❤️

[@rahulanilthapa3737]

Just love your channel buddy. Keep up the great work! 👍

[@ThinkSchool]

Thanks bro

[@apoorvraghuvanshi6388]

Don't forget Cred to become credit score company with their cred score and offer them to all b2b industry for all loan/mortgage needs

[@amrutkartushar92]

Isn't it already available via Cibil score?

[@apoorvraghuvanshi6388]

@@amrutkartushar92 not to my knowledge, why would they use third-party entity? If they become, when they become, they shall become new score standard themselves.

[@chinmayshukla5621]

@@amrutkartushar92 exactly

[@soudipsanyal]

That is their only option

[@Anubhav04011986]

All the things Cred does is already there in other apps like Phone pe...detecting hidden charges is individuals responsibility. Credit score should not be a problem if you have few credit cards and manage your finances well. Cred is for lazy bones who take multiple cards and then fail to keep up. 👍

[@user-bh6mz2kf6o]

I'm a science student but now i am thinking about studying commerce, recently watched the video and loved your content and subscribed your channel

[@ThinkSchool]

Thank you :)

[@srinivasyadavalli373]

More than CRED's business model, I somehow cracked your business model where you change the thumbnail of this video for every new CRED's ad making it look this video is fresh and new. Anyway, great job buddy. Your articulation, diction, presentation, vocabulary and mainly your voice is very pleasing to the ears. Keep it going!

[@divyanshpathak4157]

*Your content is gold. Pure gold* ❤️

[@devchandbothra5881]

The thing you said about creating a new normal and causing irreversible behavioural change, i just realised that the big entertainment companies like Netflix and Prime Video are doing the same by providing such large collection of movies and tv shows that engage us on a different level. Unlike Cred and Jio, this is a negative addition to the value of any person's time as he/she not only forgets the non-addictive forms of entertainment but also is unable to progress because of the addiction it has caused. I just thought i should write this down somewhere so that i remember it. Wonderful insight, thank you!

[@ThinkSchool]

Love this thought ❤️ you will grow alot :)

[@naveenkr5992]

I believe that prime and Netflix are actually solving a problem here, maybe more than one problem. The problem is that the Business, like any other social media or content platform, wants to keep the user coming back. But I think they've gone beyond the limit and started exploiting human psychology to make more profit. Still the platform are solutions, except the beyond limit recommendation system. And as users we should be able to aware of the problem and try to act accordingly.

[@devchandbothra5881]

@@naveenkr5992 True. Documentaries like The Social Dilemma have tackled these topics in a great way. Though they are solving a problem, exploiting our base human instincts is crossing the line by valuing profit over general wellbeing.

[@satyamnalawade1996]

Finally Consistency paying off!! Growing Fast!

[@ThinkSchool]

Yes bro ♥️

[@mayankarora5377]

Your content is adding a lot of value to the viewers and your storytelling skills are amazing. All the best to you buddy!

[@devamsonigra2649]

This video was so great dude!

[@france_tamilponnu]

we must encourage such incentives in India

[@ankitghosal9324]

Jacky doing zumba in a cred ad on a youtube ad on a video explaining how cred became so successful. Now I know how they did it.

[@rrbkar004]

Fantastic.. thank you so much Ur videos are extremely useful for Management Teachers & students !

[@sivakumar-hn9op]

Cred is really a mind blowing start up lot of learning is there. Not only in cred, paytm, google pay, etc are all our essential application. For users two things should be in our mind 1.wen we use any payment app Or app like cred we give all our most important bank and card details, so this company should give assurance and maintain safety of all our data 2. As user you must make sure you don't get into any deep trap like over expenditure, hidden charges by the company itself.

[@iamusmanshykh]

Wish I could subscribe this channel a million times!!!! Thank you ""Think School" for the content packed with a value bomb !!!! Mighty love from Pakistan

[@adityatandan5285]

love this case study boss ! keep them coming .

[@ThinkSchool]

Sure bro 🌟

[@krishhh2628]

This channel deserves at least 5M subscribers.

[@navjotnama]

You are really delivering a good information & value, thank you for such knowledge & keep it up 👍

[@rajitmukherjee3700]

I just couldn’t leave the channel without subscribing it....

[@pcgirlshorts2157]

Same here

[@sage95maker]

Exactly!!

[@anantvignesh9906]

sameeee

[@sahasakshay]

Agreed

[@abhinandansrivatsa8402]

I love the the way you present - it's amazing and starts to fill the gap for in-depth analysers of India-specific products and businesses. But, having watched this, I get a sense that you're too enamored by the business, CRED, at this point, and seem to brush over the negatives. Time will tell what CRED ends up being because at this point, I see quite a bit of attrition from frustrated users who actually don't see a great value proposition!

[@akshatjainbafna]

Amazing you have completely Changed my Perceptive 🤩🤩

[@AnshMehraa]

great stuff man

[@auroshisray9140]

genius idea to put that music in the video. it just amplifies the strong vibes

[@ranganathprahlad]

😊😊

[@sameersukhdeve6639]

This came randomly in my feed and wow... the content is fabulous. Keep making such fantastic videos and I hope your channel grows exponentially.

[@ThinkSchool]

Thank you so much bro ❤️

[@bunnythapar8240]

Brother, you are just amazing! Thanks for the video.

[@hazaarokhwahishein]

Superb insights. Brilliant video. In depth analysis. You deserve more subscribers ❤