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COMPARATIVE ANALYSIS OF THE SUCCESS OF FINTECH AND EDUTECH STARTUPS IN KERALA: A FIVE-YEAR STUDY

ABSTRACT

This study compares the success of fintech and edutech startups in Kerala over the last five years using secondary data sources, including financial reports, news articles, and app store ratings. The analysis focuses on five selected companies: Paytm Payments Bank, Razorpay, Chillr, BYJU’S, and Simplilearn and examines market size, funding, growth rate, user engagement, and competition. The results indicate that while both industries have shown significant growth in Kerala, fintech startups have generally raised more funding and reported higher transaction volumes than edutech startups. However, edutech startups have higher user ratings and stronger user engagement metrics, indicating a more loyal customer base. Both industries face high competition, with companies employing a variety of strategies to compete, such as partnerships, acquisitions, and product differentiation. The findings have implications for the continued growth and success of fintech and edutech industries in Kerala and suggest areas for future research.

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