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An overview of mobile payments in India. …

An overview of mobile payments in India.
www.Paytm.com / www.PaytmPayments.com

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  • 1. Payments Indian perspective Vijay Shekhar Sharma
  • 2. 2 • 1,100+ people 500+ engineering team • First round of funding in 2007 Total equity raised ~140 crore • March’07 = 11 crore revenue, 5 crore EBDITA • March’12 = 230 crore revenue, 108 crore EBDITA • 12 investments: In India, Singapore, Indonesia and Scotland About One97
  • 3. 3 Marketing Payment Digital Goods Marketplace Our Business
  • 4. 4 Mobile First Marketing Digital Goods & Services Paytm Payments Telco Charging Banks • CC/DC • Net banking Wallet • Paytm Cash
  • 5. 5 • 650 million mobile-phone subscribers • 280 million individuals with bank accounts • 19 million credit cards • 88,000 bank branches • 120,000 ATMs • More than half of Indian households—110 million altogether— do not have a bank account. Only 50% of adults worldwide have an account at a formal financial institution. 22% of adults worldwide report having saved at a formal financial institution in the past 12 months. 2.5Billion+ unbanked in whole world India
  • 6. 6 • Value of bank note and cash in circulations % of narrow money South Africa – 18.5% China – 18.3% Mexico – 39.1% • India – 60.1% Brazil – 52.7% Cash economy
  • 7. 7 June 2013 • 1.1 Mn PoS terminals • Credit cards – 19Mn – 36 Mn tx – 113 billion • Debit Cards – 350Mn – 47 Mn tx – 70 billion • On ATM – 4,93 Mn tx – 1,574 billion Status of plastic
  • 8. 8 Now non-banks can do: • Issuance of pre-paid payment instruments • Cross-border in-bound money transfer • Cards payment network - RuPay • ATM networks Opportunities
  • 9. 9 • No M-Pesa for India • Smart Phone systems Merchant PoS Online Shopping = Mobile Internet Banks  longer understanding Wallets  lesser use of money cases Mobile Money
  • 10. 10 • Payment is $1 Trillion+ globally • Banks make >25% from payments Accounts or Cards fees/costs Tx Fee • Asia ~330 Billion ~ in ratio of GDP contribution Global Trends
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  • 14. 14 • @VijayShekhar • vss@one97.com • +91-9810098197 • www.Paytm.com Thanks!