Sumit Chhazed is a serial entrepreneur, who figured out his first startup as soon as he graduated from IIT Bombay. OTO is the fourth company that he has founded, employing a business model that combined commerce and finance to disrupt the two-wheeler purchase landscape in India. OTO has already sold over 1lakh two-wheelers through their online marketplace and apps.  On this episode of Matrix Moments, Sumit delves into the levers behind the success of OTO, sharing his approach with Rajinder Balaraman and Anish Patil. Here are the key takeaways about building a disruptive business model:  1.⁠ ⁠OTO is betting big on India’s 2-wheelers: with over 60% of new purchases coming from 18-25 year olds, living outside the metros.  2.⁠ ⁠Two-wheeler financing is a big opportunity: OTO has built a full-stack financing business that allows consumers to lower their 2-wheeler loan EMIs by 30%.  3.⁠ ⁠A phygital experience brings the buyers to the yard: This space is ripe for disruption as new-age audiences are not keen on going to multiple dealerships and scouring the market for financing. OTO’s partnerships with payment apps and OEM partners is driving their reach with young consumers. 4.⁠ ⁠EVs are the future of 2-wheelers: the younger buyer is more keen on EV 2-wheelers than 4-wheelers. OTO is helping brands like Ola Electric penetrate deeper into India.  If you’re a founder who is seeking to build a disruptive strategy and business model, watch the episode and gain insights into how OTO charted their road to 100000+ 2-wheelers sold, while changing the two-wheeler play in India.