最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯基于互联网平台的金融业务

Flipkart投资67亿卢比构建电子支付商业体系

表面上看,Flipkart在电子支付领域67亿卢比的投资显得为时已晚,该领域已经有了Paytm、Mobikwik和GreeCharge等强劲对手。

但是这家印度领先的电子商务公司正对印度经济的无现金未来下了巨大赌注——至少在城市经济上,利用手机等移动设备的电子购物正在兴起,互联网连接的费用也在降低。

根据ET的报道,Flipkart投资67亿卢比计划用三年时间构造一个分离的电子商业体系。该体系将由电子支付创业公司PhonePe主导,该公司之前被Flipkart收购且计划不久后实现商品化。PhonePe也会使用由印度储备银行最近推出的新型平台“统一支付界面”,使用户可以通过手机实现即时银行转账,而不需要通过信用卡和网上银行账户,省去了提供受益人细节信息的麻烦。

Flipkart CEO Binny Bansal最近称公司这一行为是“长期战略赌注”,并且相信PhonePe甚至会超过Flipkart的势头。Flipkart希望它的电子支付平台可以获得客户和Myntra等其它品牌的接受。ET报告称该服务甚至可以扩展到Kirana商店的规模。

电子支付供应商对顾客使用手机作为电子钱包的习惯转变非常有信心。包括Paytm、Amazon的印度电子支付平台Emvantage、Smapedeal的Freeharge和Mobikwik等其它电子贸易服务商,也都申请了电子钱包执照,

根据普华永道的预测,到2019年,印度大约8亿人口将会使用电子支付平台,随着Aadhaar独特身份证的问世,电子支付的使用将会激增。根据普华永道的预测,电子银行业务在2012年到2014年间将会增长三倍,在2014年达到了1.5亿美元。

尽管如此,移动支付领域也存在着挑战。便利性和客户忠诚度方面的失误将会使客户卸载这些软件。根据尼尔森移动资讯视野的调查,App开发者对安全性和界面的关注将帮助他们战胜这些挑战。

尼尔森的研究也显示,移动支付app受男性的欢迎度是女性的1.2倍。根据报告,男性安装这些app的概率是女性的2倍。

随着政府对经济中黑钱无休止的追查和印度储备银行对支付银行的鼓励和对金融科技产业监管的支持,Flipkart的尝试也许会有一个不错的结果。

On the surface, Flipkart's ₹670 crore investment in the e-payments space appears a tad late in a market overcrowded with digital payment providers such as Paytm, Mobikwik and FreeCharge.

But India's leading e-commerce player, Flipkart, is placing a huge bet on a cashless future for the Indian economy -- at least the urban economy which is seeing a rise in mobile shopping as smartphones become more affordable and internet access cheaper.

The ET reported that Flipkart plans to invest about Rs 670 crores to build out a separate digital business over the next three years. The business will be led by PhonePe, a payments startup provider Flipkart bought earlier this year, which it plans to commercialize shortly. PhonePe will also use the the new "Unified Payments Interface," a platform launched by the Reserve Bank of India recently that will let users make instant bank transfers using their phones without the need of credit cards or netbanking accounts, which typically require lengthy beneficiary details.

Flipkart CEO Binny Bansal has called the move a "long-term strategic bet" and believes that PhonePe might even overtake Flipkart. Flipkart is hoping its e-payment platform will be lapped up its customers as well as those of its brands such as Myntra. The ET report said the service could even expand to Kirana stores.

The digital payments space holds a ton of promise for payment providers as customer habits evolve to using smartphones as digital wallets. Other e-commerce players that are leading in this space include Paytm, Amazon's India e-payments platform Emvantage, which also applied for an e-wallet licence, Snapdeal's Freeharge, as well as Mobikwik.

Research provider PwC predicts by 2019, about 800 million people in India will have access to e-payment platforms, and the adoption of e-payments is set to soar with the advent of Aadhaar. According to PwC estimates, mobile banking transactions tripled between 2012 and 2014, reaching 150 million in 2014.

However, the mobile payments space is not without its challenges. Convenience and customer loyalty is a challenge that makes customers uninstall these apps. A focus on security, simple interfaces can help app makers overcome those challenges, according to research by Nielsen Informate Mobile Insights.

The Nielsen research also showed that mobile payment apps are 1.2 times more popular among men than women. According to the report, men are also twice as engaged as women on these apps.

With the government's endless quest to tame black money in the economy, and Reserve Bank of India's drive to encourage payments banks and favorable fin-tech industry regulation, Flipkart's foray may end up with a decent payoff.


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