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专栏国际资讯基于互联网平台的金融业务

印度:电子商务政策再修订,金融科技行业或受波及

专栏国际资讯基于互联网平台的金融业务

印度:电子商务政策再修订,金融科技行业或受波及

上月,印度对电子商务政策进行了修订,业界普遍认为这可能会对数字支付乃至更大范围的金融科技行业产生间接影响,特别是非歧视性定价方面。

印度数字支付行业的两位高管表示,非歧视性定价的新规范有可能涉及电子商务平台与银行和支付公司就特定产品或仅与特定零售商形成的独家合作伙伴关系。

其中一位高管说道:"虽然细节尚未确定,但它让人们意识到平台在销售产品时需要保持完全中立,也不能通过支付向客户提供任何特殊待遇。"

新准则规定,电子商务市场应以公平和非歧视的方式向供应商提供服务,周三政府发布的新闻稿指出,"此类服务将包括但不限于物流仓储...支付、融资等"。

业内人士强调,这可能会影响多家电子商务实体亲自向客户提供贷款的潜在业务。

前文提到的另一位高管表示,一些电子商务公司一直在提供贷款业务,主要是与非银行合作伙伴合作提供,有时还通过自己的子公司直接提供,但后者比较引人注目。

大多数情况下,折扣由制造商提供资金支持,但在某些情况下也有商家提供支持,这种情况现在可能已经叫停。

另一方面,数字贷款行业的高层管理人员发现,向尝试在线购买产品的消费者提供快速贷款,成功的可能性更高。特别是结账融资业务,在消费者支付产品的过程中立即提供贷款,将购买转换为分期付款。

一家结账融资初创企业的创始人说道:"由于大量贴现模式行不通也无法继续发展,为了出售高价产品,商家将需要提供融资选择,这就为我们提供了广阔的市场"。

The newly revised e-commerce policy could have indirect effect on digital payments and the broader fintech industry, especially regarding non-discriminatory pricing.

The new norms on non-discriminatory pricing has the potential to be extended to exclusive partnerships that e-commerce platforms strike with banks and payment companies on specific products or with specific retailers only, said two top executives of the digital payments industry.

“While the fine print is yet to be ascertained, it gives a sense that platforms need to be completely neutral while selling products and nothing special can be offered to customers through payments as well,” said one of the executives mentioned above.

The new guidelines lay out that e-commerce marketplaces should be providing services to vendors in a fair and non-discriminatory manner and “such services will include but (is) not limited to logistics warehousing…payments, financing, etc,” said the press release from the government issued on Wednesday.

Industry insiders highlighted that it could affect the potential business of the multiple e-commerce entities trying to lend to their customers themselves.

Several e-commerce companies have been dabbling in the lending business, mostly in partnership with non-banking players and sometimes through their own subsidiaries which could come under the lens, said the second executive quoted above.

In most cases, discounts are subvented by the manufacturer, but in some cases they do get subvented by the merchant, which might now be discontinued.

On the other hand, top executives of the digital lending industry sensed a higher chance of rolling out quick loans to consumers trying to buy products online. Especially in the check out financing business when consumers in the process of paying for the product are instantly offered loans to convert the purchase into installments.

“Since the heavy discounting model is not going to work and going forward, be able to sell expensive products, they will need to offer financing options which could open up a big scope for us,” said a founder of a check out financing startup.

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