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印度移动支付巨头Paytm推出银行服务

近日,印度移动支付巨头Paytm正式宣布,将推出支付银行服务,争取在未来三年将平台用户总数提高到5亿人。

据悉,Paytm银行将在第一年推出31个实体分支机构和3000个客户服务点。Paytm银行可以提供存款存款服务,存款利率4%,但是并不会涉足贷款业务。据该公司透露,同时也将位用户提供现金账户服务。账户最低额度没有要求,所有线上业务均免手续费。

Paytm表示,公司的目标是在成功锁定印度国内上千万的移动手机和廉价数据用户,而这些人通常无法享受到传统的金融服务。

得益于印度政府今年推出的“无现金经济”计划,Paytm平台用户总数出现了激增。仅仅在过去几个月,就有数百万人注册了Paytm注册了该公司的电子钱包。如今,Paytm的电子钱包总数已经突破了2.2亿。

此外,就在不久前,Paytm还获得了日本软银集团和One97 Communications的大额投资,融资总额高达14亿美元。

不过Paytm也表示,目前该平台的银行业务还处在邀请测试和使用阶段。

Indian digital payments firm Paytm has officially launched a niche payments bank as part of its drive to double its customer base to 500 million over the next three years.

The payments bank operates 31 branches and 3,000 customer points in its first year, the company noted in a release. Payments banks can take deposits but cannot make loans. Paytm’s bank will offer an interest of 4 percent a year on savings accounts and also provide current account facilities to merchants. It will have no minimum balance requirements, and all online transactions will be free.

The goal, according to Paytm, is to reach the tens of millions of customers in the nation who regularly use mobile phones and cheap data services but who do not have access to regular banking services.

Paytm has recently seen its fortunes greatly buttressed by the Indian government’s decision to ban high-value currency notes late last year. That resulting cash hole in the economy has pushed millions onto digital wallets over the last several months — as of last official count, Paytm says more than 220 million clients use its e-wallet.

Paytm also has some fairly famous investors — last week, Japan’s SoftBank invested $1.4 billion in Paytm’s parent, One97 Communications.

Initially, bank accounts will only be available by invite.


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