移动支付及贸易公司Paytm的创始人Vijay Shekhar Sharma表示,2016年Paytm希望其电子钱包使用总额能够增加5亿美元,实现10倍增长。


现金返还对于用户来说很有吸引力。具体来说,就是Paytm 按照支付比例或者固定额度给原账户返还一定额度的现金来激励客户使用钱包。


Shekhar Sharma期望明年新兴公司可以提供大量包括负债和保险在内的电子钱包附加产品,继而可以与信用卡市场一争高下。电子钱包在中国的迅速发展证明了这个市场的巨大潜力。


Paytm电子钱包产品主管Nitin Misra说:“Paytm的活跃用户大约有3500万,他们每月至少使用一次Paytm。”


Nitin Misra说:“我们希望通过一部手机就帮你搞定所有支付问题。 从rickshawwallas到paanwallas,再到多渠道零售店和品牌,Paytm计划联手线下和线上的商店来推广钱包支付。”


今年共有42家企业向印度储备银行申请了银行支付拍照,经审核,共有11家企业在8月最终获得了授权,这当中就包括Paytm、Reliance Industries、Bharti Airtel 和Vodafone。这些公司现在可以同时运营存款、汇款和支付业务,这无疑将提升他们对移民(尤其是有汇款需求的侨民)的吸引力。不过目前这些机构还不能提供借贷业务。

Paytm此前获得了中国电商巨头阿里巴巴集团和下属的蚂蚁金服的大力支持。其他的投资者还包括软银赛富、SAP风险投资、Relicance资本和硅谷银行。公司在电子钱包上也面临多个竞争对手,比如MobiKwik、FreeCharge、Airtel Money和Payu等。

Mobile payments and commerce firm Paytm expects customers to add about $500 million in their wallets in 2016, a tenfold increase over this year, its founder Vijay Shekhar Sharma said.

"In 2015, we saw wallets become mainstream. Next year, as more and more businesses push marketing dollar spends to cashbacks and wallets, the recharge value and frequency will steadily increase," Sharma told ET.

The projection of $500 million does not include cashbacks that the company offers its customers on e-commerce transactions, Sharma said.

Cashback is an incentive programme through which Paytm offers a fixed sum or a percentage of the amount spent back to the wallet holder's account to encourage use of the wallet.


Shekhar Sharma said he expects to see startups that offer a lot of extras including loans and insurances built on top of wallets next year, thereby replacing or at the least competing with credit cards. "This is already a very hot use case in China," he said.

The Noida-based company, which says it has 110 million wallet users, is also betting big on its offline play to boost wallet transactions and become a ubiquitous debit card.

"There are about 35 million customers that actively use Paytm at least once a month," said Nitin Misra, head-wallet product pipeline at Paytm.

To expand that base and ensure more frequent payments, the company plans to rapidly scale up its merchant base in 2016.

"The idea is that if you have a phone, that is all you will need to accept payments," said Nitin Misra.

"From rickshawwallas and paanwallas, to multi-channel retail chains and brands, Paytm plans to tie up with offline and online stores to push wallet payments," he said.

However, under the existing norms set by the Reserve Bank of India, Paytm restricts its customers to Rs 10,000 wallet recharge per month on a mobile number and email ID verification.

For anything higher, customers are required to adhere to full know-your-customer or KYC norms similar to that required for opening of a bank account.

In August this year, Reserve Bank of India granted payment bank licences to 11 of 42 applicants including Paytm, Reliance Industries, Bharti Airtel and Vodafone. These entities can now take deposits, convey remittances and dispense payments to recipients, making them highly attractive for migrant workers, especially who need to send money home.

These banks can't lend to their customers, though.

Paytm is backed by China's giant Alibaba Group and affiliate Ant Financial. Other investors include SAIF Partners, SAP Ventures, Reliance Capital and Silicon Valley Bank. The company competes with MobiKwik, FreeCharge, Airtel Money and PayU, among others, in the wallet business.







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