paytm Report.pdf

A PROJECT REPORT ON
“ MARKETING STRATEGIES ON PAYTM ”
SESSION 2022-23
Submitted in partial fulfilment for the award of the degree of
MASTER OF COMMERCE
FROM
HEMCHAND YADAV VISHWAVIDYALAYA , DURG (C.G)
DEPARTMENT OF COMMERCE
SHRI SHANKRACHARYA MAHAVIDYALAYA , JUNWANI , BHILAI
PREPARED BY:- APPROVED BY :-
KIRAN HICHAMI DR.ANITA PANDEY
M.COM 4TH
SEMESTER (HEAD OF DEPARTMENT)
ROLL NO :- 21339117012 GUIDED BY:- DR. SUBODH DWIVEDI

DECLARATION
I hereby declare that the project report entitled:-“MARKETING STRATEGIES ON
PAYTM ” submitted by me to the HEMCHAND YADAV VISHWAVIDYALYA , in
partial fulfilment of the requirement for the award of the degree of master of commerce
under the guidance of DR. SUBODH DWIVEDI is my original work, and the conclusions
drawn therein are based on the material collected by myself.
KIRAN HICHAMI
M.COM 4TH
SEMESTER

CERTIFICATE
This is to certify that the project entitled “MARKETING STRATEGIES ON PAYTM”by
Miss. Kiran Hichami is a bonafide record of work done under the guidance and
supervision of DR . SUBODH DWIVEDI in partial fulfillment of the requirement for the
award of the degree in Master of commerce.

CERTIFICATE FROM GUIDE
This is to certify that the project report entitiled “marketing strategies on paytm” submitted by
KIRAN HICHAMI in partial fulfilment of the requirement for the award of M.COM to SHRI
SHANKARACHARYA MAHAVIDYALAYA.
This work is completing under my supervision and guidance during the academic session 22-23 . They
have completed the work with sincerity and diligence.

ACKNOWLEDGEMENT
It is great pleasure for me to undertake this project . I feel highly doing the project
entitled – “MARKETING STRATEGIES ON PAYTM ” .
I wish to express my profound gratitude and heart-felt thanks to our principal
Dr. Archana Jha and Dean Dr. J Durga prasad Rao .
I am grateful to my project guide DR. SUBODH DWIVEDI faculty member of s.s.m.v and
DR. ANITA PANDEY (hod-dept of commerce)
This project would not have completed without their enormous help and worthy
experience . Whenever i was in need , they were there behind me.
Although , this report has been prepared with utmost care and deeep routed interest .
Even then i accept respondent and imperfection.
KIRAN HICHAMI
M.COM 4TH
SEMESTER

TABLE OF CONTENTS
SR NO TITLE PG NO.
1 INTRODUCTION 7-15
2 LITERATURE REVIEW 16-17
3 RESEARCH METHODOLY 18-29
4 DATA ANALYSIS ,
INTREPRETATIONS &
PRESENTATION
30-48
5 CONCLUSION AND
SUGGESTION
49-51
6 REFERENCES 52-52
7 ANNEXURE 53-55

INTRODUCTION OF STUDY
The present study is taken into consideration only one objective that ‘to know Paytm’s growth in India as a
Digital Payment Platform. ‘The study is based on primary data and secondary data , which is collected through
various books , business magazines, journals , newspapers, research studies internet, web sites, and etc,. Which
is presented about growth of paytm since from origin.
Now –a-days we all notice that more and more consumers are moving towards online shopping due to many
reason like convenience, variety, smart devices, etc. The ecommerce sector has boomed with the ease of
purchasing and selling products or services, availability and connectivity of latest technologies over the Internet.
As the trust level towards ecommerce platforms are increasing; the consumers are becoming progressively
comfortable in using different applications like carts, catalogs, comparison, making online transactions.
Although many consumers are getting tuned towards usage of various electronic devices and epayment
platforms by installing and using numerous applications in their smart devices but there are still many
consumers who prefer Cash on Delivery. So it is important for the online businesses specifically to understand
the payment usage of ever changing consumers for better sustainable growth.
The study is conducted by selecting 100 sample respondents who are using epayments for purchasing products
online; on the basis of age, purpose of usage, frequency of usage, various problem faced by using it and
epayment effect on business growth. Then the major aspects and interpretation are discussed further in this
paper providing a clear picture of findings and based on it the conclusion is drawn.

OBJECTIVES:-
 The report and customer attitude towards paytm –wallets is based on the following objectives :-
 To identify popular mobile- wallets used by the respondent.
 To analyse the factors encouraging the usage of paytm wallets.
 To analyse the factors limiting the usage of paytm –wallets.
 To analyze the attitude of youngsters towards paytm system.
 To understand the usage, acceptance and satisfaction level of paytm wallets among students.
 To analyze the various categories and potential uses of paytm mechanism.
SIGNIFICANCE OF THE STUDY:-
 The Government of India had announced nationwide lockdown in four phases from 24th of March 2020
to facilitate elimination of COVID-19 from the country. Use of digital transactions and electronic cash
transfer were encouraged throughout the country. Implementation of social distancing, avoidance of
physical exchange of cash and avoiding unnecessary visit to banks encouraged usage of mobile-wallets.
Thus a change in customer attitude towards mobile wallets is anticipated. Hence this study intends to
highlight such attitude shift, if any. Moreover mobile wallet being a newer mode of digital transaction
that has been growing tremendously over the past years enhances the significance of this study.
 The traditional methods of payment have now been replaced by e-payment mechanism because of its
wide use. It is used in many areas like shopping, movie ticket booking, fee payment, mobile recharging,
bill payment etc. All these uses attract students as their day to day activities gets more improved and a
lot easier. A lot of technological advancements have been taking place in the field of payment. So it is
very useful to know about the new trends and advancements in payment mechanism. It is also important
that the young generation are aware about these new trends. It is also necessary to study about different
methods of E-payment so that we can have an idea about E-payment system.
STATEMENT OF PROBLEM:-
 Due to the financial crisis resulting from COVID-19, people’s spending capacity has reduced drastically.
They find it hard to pay their basic needs like medicines, grocery and vegetables. This new scenario
combined with the extensive efforts of mobile-wallet companies to attract customers in the form of
rewards, cash backs and coupons have drawn attention of common people who were earlier less aware of
such functionalities. The present study is conducted among the youth population (15-35 years) of Durg
district of chhattisgarh to analyse their perception towards the paytm wallets.
 Youth is shifting towards enthusiasm, energy, education, enjoyment. They should not take enjoyment as
first and rest of the things as last. Now a day’s most of the students consider vital things as first and
enjoyment as last due to awareness, Technology up-date, Education and Socio-Cultural groups. This
study has been conducted in order to understand how the online payments have found a way in to the
world of youth. The youth is the future, therefore the decisions they make today affects tomorrow.

SCOPE OF THE STUDY:-
 The study includes analysis of customer attitude towards paytm wallets before and after COVID
outbreak and is restricted to the youth Durg district. The respondents were the customers those who are
using paytm wallets.
 The study is focused on use of paytm wallets methods among college students and others. It is highly
relevant topic in present scenario. Students with e-payment apps set up on their mobile phones will
present the phones to near field communication enabled readers on campus to complete transactions.
This study mainly emphasized on college students, their use, acceptance and satisfaction.
HYPOTHESIS OF THE STUDY:-
 There is significant difference in the customers’ mobile-wallet usage pattern before and after COVID-19
outbreak.
 There is significant relation between profile of the respondent and paytm-wallet usage.
Limitation of the study:-
 The sample size and spectrum of respondents is limited.
 The research is based on the responses given by the respondents, which may or may not be biased.

overview
ONLINE TRANSACTION AND Security of e-transaction online transactio is a payment method in which the
transfer of fund or money happens online over electronic fund transfer. Online transaction process (oltp) is
secure and pasword protected . online transaction processing (oltp) is information sytem that facilitate and
manage transaction-oriented application typically for data entry and retrieval transaction processing so online
transaction is done with the help of the internet it can’t take place without a proper internet connection. Online
transaction occur when a process of buying and selling takes place through the internet. When a consumer
purchases a product or a service online, he/she pays for it through online transaction.
Digital payments in India continue to grow, so does the competition between apps offering these services. With
the introduction of UPI and the push for digital payments amid the COVID-19 pandemic, it seems every fintech
company wants to join the bandwagon offering these services. Among the most popular apps in India include
PhonePe, Paytm, and Google Pay. The three have become synonymous with the digital transaction in the
country, but there might be some elements missing here and there.
ONLINE PAYMENT FLOW
There are four major players involved in each online transaction:-
1.Cardholder: The person who owns a credit card
2.Merchant: The business owner
3.Acquirer: A bank that processes credit card payments on behalf of the merchant and routes them through
the card networks (such as Visa, Mastercard, Discover, or American Express) to the issuing bank. Sometimes
acquirers may also partner with a third party to help process payments.
4.Issuing bank: The bank that extends credit and issues cards to consumers on behalf of the card networks.

PAY-TM
(COMPANY PROFILE)
Paytm ("pay through mobile") is an Indian multinational financial technology
company, that specializes in digital payments and financial services, based
in Noida.]
It was founded in 2010 by Vijay Shekhar Sharma under One97
Communications. The company offers mobile payment services to consumers and enables
merchants to receive payments through its QR code, point of sale and online payment
gateway offerings. In partnership with financial institutions, Paytm offers financial services
such as microloans and buy now, pay later to its consumers and merchants. Apart
from bill payments and money transfer, the company also
provides ticketing services, retail brokerage products and online games.
Paytm's parent company, One97 Communications, got listed on the Indian stock exchanges
on 18 November 2021 after an initial public offering, which was the largest in India at the time.
For the fiscal year 2021–22, Paytm's gross merchandise value (GMV) was reported to
be ₹8,500 billion (US$110 billion)
Type Public
Traded as  NSE: PAYTM
 BSE: 543396
ISIN INE982J01020
Industry  Financial technology
 E-commerce
Founded August 2010; 12 years ago in New Delhi, India
Founder Vijay Shekhar Sharma
Headquarters B-121, Sector 5,
Noida, Uttar Pradesh
,
India
Areas served  India
 Japan
Key people  Vijay Shekhar Sharma (CEO)

Products  Paytm Insider
 Paytm Payments Bank
 Paytm Money
 PayPay
 Paytm Insurance
 Paytm First Games [1]
Services  Payment system
 Mobile payments
Revenue ₹5,264 crore (US$660 million) (2022)[2]
Operating
income
₹−2,336 crore (US$−290 million) (2022)[2]
Net income ₹−2,396 crore (US$−300 million) (2022)[2]
Total assets ₹17,991 crore (US$2.3 billion) (2022)[2]
Total equity ₹14,151 crore (US$1.8 billion) (2022)[2]
Owners  Vijay Shekhar Sharma (8.92%)[3]
 Ant Group (24.88%)
 SVF India Holdings (Cayman) Ltd (17.46%)
 Saif Iii Mauritius Company Ltd (10.59%)
 Axis Trustee Services Ltd (4.77%)
 Bh International Holdings (2.41%)
 Canada Pension Plan Investment Board (1.71%)
Members 35 crore
(350 million)[4] (FY19)
Parent One97 Communications
Website paytm.com

SHAREHOLDERS SHAREHOLDINGS
Vjiya shekhar sharma 8.92%
Ant Group 24.88%
SVF India Holdings (Cayman) ltd 17.46%
Saif Lii Mauritius company ltd 10.59%
Axis Trustee Service ltd 4.77%
Saif Partners India Lv ltd 4.5%
BH International Holdings 2.41%
Canada pension plan investment Board 1.71%
TOTAL 75.24%
12%
33%
23%
14%
7%
6%
3%
2%
SHAREHOLDINGS
Vijay shekhar sharma
Ant Group
Svf India Holding (cayman) ltd
Saif lii mauritius company ltd
Axis Trustee Service ltd
Saif patners India lv ltd
BH International Holdings
Canada pension plan investment
Board

Pros cons
It is quick and safe. Currently unavailable on at least all prominent
websites such as Amazon and Flipkart.
If you don’t have enough money, you can use
Paytm to pay with the card.
You could be charged up to 4% for transferring
money from Paytm to your bank account.
Paid bill payment, recharge book ticket, and lots
more in a single application and keep track of
everything under order history.
Since it isn’t available in most big online and
offline retailers, you’ll need to keep your
debit/credit card on hand if you want to shop
there.
Paytm also offers free bank-to-bank transfers
through UPI, such as Phonepe BHIM or Google
Pay.
Due to security concerns, a lower monthly cap, or
the desire to make black money, a few merchants
have refused to accept Paytm money
Easy and automatic refund to Paytm wallet in case
of product cancellation at partners store.
Sometimes the application doesn’t work properly
as it comes with the loss of services combined in
a single app.
When you need money, simply return it to the same
bank.
If you lose your phone, you can lose your Paytm
cash because they don’t have email id
authentication.
Money can be transferred from Paytm to a bank
account for as little as 4%.
Using the internet to pay for things rather than
using cash or a credit card.
Keep your wallet loaded and you don’t need to carry
a debit or credit card means fewer chances of being
a fraud.
Worse customers support in case you need help
while shopping/cancelling/returning items.
Less document to upgrade Paytm wallet limit It can take up to 7 days for the money to be
credited to the bank account if you return
products on Paytm, but it is free always.
Avail Paytm postpaid if you have a good history
with Paytm same as credit card and pay later.
It will charge the merchant in the future to accept
payment from customers, as nothing comes for
free in this world.
Get cash back on most of the stores using Paytm
wallet.

 A study by mrs. Dhanalakshmi komiriesetty and mr. B. Sarath simha, titled “A study on paytm’growth
inindia as a digital payment platform”(2021) focusses on evolution of paytm , its funding, sources of
revenue, swot analysis of paytmetc. It was conclude that paytm is one among the best mechanical
advancement in the present century and the administrartion s offered by paytm helps in time utilization
and furthermore it is anything but difficult to utilize
 V. Somaganesh, Sudha Ganesh and M. Thangajesu Sathish in their paper, “Impact of Covid-19
Outbreak in Digital Payments” (2020) attempts to study the changing buying behavior before and
during the lockdown. The study also finds out the online payment sites preferred by the respondents.
The study reveals that covid-19 is already reinforcing existing trends towards increased digitization of
payments.
 Sujith. T. S, Dr. M. Sumathy and Anisha. T in their paper, “Customer perception towards paytm wallets
among youth with special reference to Thrissur City” (2019) tries to focus on preference of young
customers towards paytm wallets in Thrissur City and effectively analysed the impact of demographic
variables on the usage of mobile wallets. The study reveals that the majority of the respondents are
aware about mobile wallets and they are using mobile wallets for making payments.
 Ahuja & Joshi (2018) have studied about the customer perception concerning Mobile wallets. In this
study they examined that the factors exploration technique is used to classify the factors which
influence customer opinion towards Mobile wallets. The study has been conducted about the different
types of mobile wallets in India. The data is collected from both secondary data and primary data.
 ‘A Study on Usage of PayTM’, the authors Abhijit M. Tadse and Harmeet Singh Nannade mentions that
Digital wallets are quickly becoming mainstream mode of online payment and mobile users can
nowadays use their smartphones to make money transaction or payment by using applications installed
in the phone. The aurthors through their survey states that the PayTm has to work upon the Payment
gateway to improve the transaction efficiency as 70% people faced problem with payment gateway.
Only 5% people claim to have got assistance every time they had a failure so the service could be
improved to cater the needs of maximum customers. PayTm is currently performing well in terms of
privacy but it has to work upon discounts/offers, transaction time and bring about innovation to increase
customer satisfaction. (ABHIJIT M. TADSE, 2017).

NATURE OF THE STUDY:-
The study is descriptive as well as analytical in nature.
DATA COLLECTION :-
Both secondary data and Primary data were collected from respondents through systematically prepared
questionnaire in google form and then electonically summarized through spss.
Sources of data:-
PRIMARY DATA :- It is the original data collected from the respondents . This was collected through
questionnaire.
Secondary Data :- It includes both internal and external sources. INTernal data are not include in this
project as it is the data that are available from the organization, while external were magazines, textbooks
from websites etc.
SAMPLE DESIGN:-
It is very difficult to conduct a study on the entire population from Durg district. So representative sample
was drawn for the purpose of the study.
SAMPLE POPULATION:-
The population for the study is taken as the mobile wallet users in Durg district belonging to the age group
of 15-40 years.
Sample frame:-
The mobile wallet users’ whatsapp is taken to be the sample frame for data collection.
Sample technique:-
The data were collected through Google form, forwarded to respondents through whatsapp.
Tools used for analysis:-
 Pre-structured questionnaire is used for data collection.
 Percentage and comparative analysis has been used.
 Tables, charts and diagrams are used for presentations.

STRATEGIES OF PAYTM
HOW PAYTM EARN MONEY ?
Paytm’s Promotion and Advertising Strategies
 Newspaper, transit media and television were the company’s offline communication networks. The Paytm
promotions also used digital , print media and radio service.
 Paytm was made a household name , using a phrase frome the cathcy word “PAYTM KARO”
 The company’s online advertisement strategy is focused on bringing visiblity everywhere by sharing their ad
on Facebook and twitter, and even sponsored post on Instagram and at time’s even Snapchat.
PAYTM DISCOUNT OFFERS
 The biggest selling point for paytm was woithout question motivating people to use the offers that have
been run by the company.
 Add to these the cashback offers and discounts offered by mobile wallets like Paytm, as well as the reward
point and loyalty benefits on existing credit and store cards.
BY PAYTM EVENTS SPONSORED
 The company was involved in sponsoring a variety of events ,tournaments ,etc. that gave the brand an
immense exposure.
 Paytm is the official sponsor and supporter of india’s cricket team, which would give the brand worldwide
publicity and exposure.
 The company has got 120 seconds of airtime for each match played on nthe tournament, and the brands
popularity increased during the World Cup has resulted in the launch of new TV advertisement during the
IPL 8 season.
PAYTM MARKETPLACE
 Paytm was the first company who took the step of being a mobile –on;y marketplace in INDIA. Today , with
over 120 million buyers and 2 million daily transaction (and 90% prepaid offers), Patym is the most
benefiacial marketplace for sellers. Revenue from this subcategory is generated as fees and commission from
the sellers, which differ for different categoru of products.
HOW IS YOUR PAYOUT CALCULATED?
 Final payout to you is made after the various commission & fee are deducted from the selling price
 The component which are deducted from the selling price are as follows

CHARGES DEFINITIONS RATES
Marketplace
commission
Fee charged for listing
your products on
paytm Mall
marketplace
Marketplace
commision is a
percentage of selling
price,varies at
category /product
level.
Payment gateway Fee paid for transfer
of money via Paytm
Mall Payments
gateway
Payment gateway
commission is 2.7% of
selling price
Logistics charges Charges for using
services of paytm Mall
logistics partners
Logistics charges are
charged based on
modes of shipment
Penalty Fraud is a deliberate
action of deceiving
paytm mall to secucre
unfair gain which may
cause financial, brand
image ,or other
damages to paytm
mall or its partners.
Depends on type of
fraud
RECHARGE SERVICE
o There was a time when Paytm Business Model consisted just mobile recharge and bill payment services.
Times have changed and online recharged service for mobile subscription, TV channels subscriptions ,
data-card , and metro card , etc have been added to the revenue model of paytm.
The company , just like other recharges services providers , charge commissions from these operators.
BILL PAYMENT
o In addition to the recharge facilities , the customers can even pay their electricity, telephone, water ,
mobile , broadband, gas, etc . bills on Paytm . Apart from these, Paytm has also partenered with several
education and financial organizations and act as a portal to accept education fees and insurance
instalments.
Revenue , just like recharge service, is generated by charging commission from these providers.
PAYMENT SOLUTIONS
o Paytm offers smart payment solution for online businesses. The payment solution allow them to accept
online payments through Paytm.The payment option comes with no setup fee and maintenance charges.
However, the company charges a commission of 1.99% on every transaction.

PAYTM WALLET
Ever wondered how paytm earns after providing 50-100% cashback?
Through the PAYTM WALLET.
Cashbacks are credited to the users in their Paytm wallets.
Paytm has already rolled out its new marketing strategy where it has planned to focus more on the
digital currency prospects.Hence , all of its cocre marketing and promotional strategies enforce the use
of paytm wallet. This is a vey clever move as paytm will get the first mover advantage and through its
extensive distribution strategy will be able to increase its brand preference . This will eventually help it
to carry out its future plans.
#Paytmkaro.
o WHAT EXACTLY IS PAYTM WALLET?
Paytm wallet is a semi-closed wallet (approved by RBI) used to store currency in digital form which can
be used to buy goods and servuce (including financial service) at identified merchant loaction or
establishments (like petrol pumps, a supermarket, salon , movie hall, etc) which have a specific contract
with the company to accept these payment instruments.
Paytm wallet doesn’t permit cash withdrawla.
o HOW DOES PAYTM EARN THROUGH PAYTM WALLET?
Paytm wallet can be used to pay for almost anything , everywhere. It has created a new market for
digital currency users because of its ease of use Money can be transferred between the Paytm wallets of
two user with just a few taps on the phone.
As per the RBI guidelines, the money deposited by users in Paytm wallet is deposited by Paytm in an
ESCROW ACCOUNT with a patner bank . This escrow account deposiy fetches Paytm certain interest
which is decided as per the contract between the bank and paytm.
The interest from the escrow account is decided on the basis of the average of the deposited amounyt in
a certain period of time (58 weeks).
But operating a prepaid wallet comes with an expense. Banks and payments gateways charge a fee
equivalent to 1-3% of the money deposited for using their services. This fee cant’be charged to the
customers as it ‘ll make them choose alternatives like UPI ,IMPS, etc. However, the interest generated
through the escrow account deposits is usually more than the expenses incurred which results in profits
to the company.

CROSS- SELLING
Paytm has partnered with other financial institutions and banks to sell their products and service (like
insurance, investments,loans etc.) along with its own. It earns money in the form of commissions or
other forms as per the contract between the parties.
DIGITAL GOLD
Paytm has partnered with gold refiner MMTC-PAMP to launch ‘Digital Gold’ that will allow its users
to buy, sell , and store gold digitally without any additional cost. Users can also get the gold delivered to
their house with just paying a minimal delivery charge.
Gold is considered as the safest investment in india and paytm has full palns to capitalize on this. There
are bigger plans involved in the introduction of digital gold trade on Paytm. The company wants its
usere to have something which they call a GOLD BANK ACCOUNT , which will allow users not only
to buy gold , and store it in digital form , but also to use the gold to buy other service on paytm – from
recharging to pay utility bills , or bool movie tickets to buy shoes and clothes from Paytm Mall.
Paytm also has plans to connect the customers with the jewellers at a later stage. This will let the
customers get their stored gold converted to finished jewellery and will leyt paytm make money by
being an affiliate.
PAYTM BANK
Paytm wallet is no more just a semi –closed wallet . The company has revamped itself aas a
PAYMENTS BANK.
A payments bank is a digital bank which can accept deposits and give out interests on the deposits but
can’t offer loans to its customers .
Just like the Paytm wallet, users operate Paytm bank using their smartphones. Paytm also issues debit
card with QR codes which can be scanned at various points.
The bank lets you open zero deposits digital current and savings bank accounts and offeres a 4% p.a
interest on saving bank accounts and overdraft facility on your current bank accounts. There are no
restrictictions related to any type of transaction but any balance deposited over ₹ 1 lakh is moved to a
fixed deposit with a partner bank (which provides 7% interest p.a. to you)
INTEREST ARBITRAGE
Paytm bank makes money by depositing the money with some other bank and /or government deposit
which provides interest rates greater than that is provided by paytm bank.

Paytm had filed Annual Report for FY 2021-22 ,paytm’s first as a listed company. In the report,
paytm have share key insight into their business model which ahs contributed to strong revenue
growth momentum in the previous financial year. As pioneers of India’s QR and mobile payments
revolution, our business model focuses on driving financial inclusion through a wide range of
payments and financial services.
 Paytm Business Model:-
Paytm offer a comprehensive suite of payments services to acquire consumers and merchants, as well
as leverage our two-sided, consumer and merchant ecosystem and rich insights from our platform to
cross-sell high-margin financial services and merchant services (commerce and cloud). UPI has
emerged as one of the key low CAC customers and merchant acquisition channels for us.
 Empowering Consumers With the Widest Range of Payments Services: -
Paytm provide a wide selection of payment instruments, both third party like cards, net banking as
well as Paytm Payment Instruments like Wallet, Paytm Postpaid (BNPL), UPI, Fastag to make
online payments for Mobile Recharge, Utility Bills, Rent, Tolls, Education, Wallet top-ups and
money transfers using the Paytm app. Consumers can also make online payments on third party apps
and in-store payments through QR codes and dev
 Leveraging Platform Engagement to Enable Merchant Partners’ Growth:-
Consumers come to our platform for a variety of payment use cases as well as the comprehensiveness
of available payment instruments. High consumer adoption encourages merchants to join our
platform, and also use our commerce offerings to leverage our consumer traffic to grow their
business. This creates a self-reinforcing loop, which demonstrates high frequency, high repeat rates,
and leads to powerful consumer stickiness and retention.
Similarly, leveraging Paytm’s consumer traffic, we enable our merchant partners to grow their
business by offering services like ability to sell tickets, advertising, loyalty solutions like deals and
gift vouchers. We also provide software and cloud services to enterprises, telecom companies, and
digital and fintech
PAYTM
Low cac,
high
engagement
payments
super app
payment
s
service
merchan
ts
commer
ce
services
user
 Brand
 Distribution
 Insight
 Technology
Financial service
 Paytm
postpaid(BNPL)
 Personal loan
 Merchant loan
 Co-branding
credit card

platforms to track and enhance customer engagement, build payment systems, and unlock customer
insights. Our commerce offerings provide a lifestyle destination for consumers to avail services such as
travel and entertainment ticketing, gaming and more. Easy access to such services within the Paytm
App environment plays an important role in user engagement and retention.
 Driving Subscription-led Ecosystem for Merchants:-
On the merchant side of our platform, we enable our partners with tech solutions that allow them to
accept payments through a wide variety of instruments and by deploying subscription-based devices
that help with reconciliations. Entry level merchants can use a free Mobile QR to accept payments,
typically using Paytm Payment Instruments or UPI. Small retailers can upgrade to Soundbox devices
which allow real time voice verification and better reconciliation for merchants, hence enhancing their
trust in digital payments, and generating subscription revenues for us. Our mid-sized and large
retailers also use our POS devices which enables them to accept mobile and card payments, thus
generating both subscription revenues as well as MDR for us. For Online and Omni channel
merchants we offer a robust payment gateway product allowing merchants to reliably accept
payments across all channels, thus generating MDR revenue and platform fees. As of March 2022,
our merchant base has grown to 26.7 million, with deployed payment devices increasing to 2.9
million from 0.8 million in FY 2021, thus accelerating our subscription revenues.
 Using Our Two-sided Ecosystem and Insights to Upsell High-margin Financial
Services:-
Our large distribution, and insights from our payment and commerce services, enables us to upsell
high margin and low customer acquisition cost (CAC) financial services to our consumers and
merchants. We have pioneered in distribution of innovative small ticket lending products which were
not existent earlier, thus creating new markets which are possible only digitally. For consumers and
merchants, we offer various lending products, with our financial institution partners, such as Paytm
Postpaid (BNPL), Personal Loans and Merchant Loans. Our lending business continues to scale
providing attractive upsell revenues. Our lending partners disbursed over 15.2 million loans through
our platform in FY2022, a 478% growth over FY2021. The value of loans grew 441% to Rs. 7,623 cr
in FY2022, from Rs. 1,409 cr in FY2021.

SWOT ANALYSIS
OF
PAYTM
STRENGTH WEAKNESS
 First mover advantage:- Paytm was the
first online payment company to set up
operations in India. Their timing was perfect
since they started operations at around the
same time when smartphones started
becoming popular.
 Convenience options:- Paytm is an
epitome of convenience since it is
operational round the clock and facilitates
easy payment or transfer of funds anytime,
anywhere. This makes it increasingly
accepted by an urban population who rely on
online shopping for even daily use items.
 Lack of awareness amongst users:-
Most users are unaware of what Paytm can do
for them and confused about how the app needs
to be used. The level of awareness of
technology tools and the inherent fear of
making erroneous transactions is making things
worse.
 Fear of going cashless:- Most Indians are
used to transacting on cash and are yet to get
used to being used to cashless transactions.
However, with digitization and demonetization,
things are expected to pick up and this will help
online wallet services.
OPPORTUNITY THREATS
 Growing demand for aggregators: -
Aggregators and middlemen are in demand
everywhere today. With growing technology
usage people prefer to make most payments
from the convenience of their homes. This
has increased the role of payment
aggregators in India.
 Demonetisation:- One of the services that
benefitted heavily from the Indian
government‘s demonetization drive was
online payment services and Paytm was one
of the biggest beneficiaries. In a move to
digitize the country, such services will have
more opportunities coming their way.
 Competition: -With lowered barriers to
entry, every new entrepreneur is looking at
aggregating services. There are a lot of online
portals like pay charge, mobikwik etc and even
telecom service providers like Airtel and
Vodafone are providing online payment
gateways.
 Growing concerns about safety: -Today
there is negative imagery of information
security and tracking of shopping habits. There
is also growing concerns about how safe the
information submitted to payment portals are
and the level to which such portals or payments
made through them are monitored.

PAYPAL VS PAYTM
US-based PayPal filed a case against Paytm in the Indian trademark office for using a logo with a similar
colour combination to its own on 18 November 2016.
In May 2018, the Indian investigative news agency Cobrapost released a video of an undercover reporter
meeting with Paytm's vice president, Ajay Shekhar Sharma who is the brother of Vijay Shekhar
Sharma. During the meeting, he reportedly said the company had provided the Indian Government with
the personal data of Paytm users in the Indian state of Jammu and Kashmir, violating user's privacy and
policies. Later, BuzzFeed reported that, Sharma has close ties with India's ruling party Bhartiya Janata
Party. Meanwhile, in response, the company tweeted that, it had never shared user's data with third
parties, denied the contents in the video, and stated that it had never received requests from law
enforcement on Twitter.Paytm also stated that any person claiming otherwise "is not aware of the policy
and is not authorised to speak on behalf of the company".
Paytm has alleged that the Indian telecom companies are not blocking numbers used for phishing activities
and sued them for ₹100 crores in the Delhi High Court
On 18 September 2020, the firm's official app was briefly unlisted from the Google Play Store allegedly
due to violations of the Play Store's gambling policy.The company claimed that Google did not offer any
prior warning or give the company an opportunity to explain its views on the contentious 'cashback' offers
while claiming that Google's own payments app Google Pay offered similar 'cashback' offers and suffered
no repercussions.
In March 2022, the Reserve Bank of India barred Paytm Payments Bank from signing up new customers after
an inspection found that the company was leaking customer data to China-based entities which indirectly
owned a stake in Paytm Payments Bank.

NOTABLE CONTRIBUTION
 During the covid-19 pandemic in India , Paytm contributed ₹10 to every single user who pays to the PM
CARES fund via their app; within ten days they had collected ₹ 100 crores in their app. Their 1200
employees contributed 15 days or even a few months of their salaries to the fund.
 Through their platform, Paytm made 21000 oxygen concentrators available for people in need, and
donated oxygen plants in 13 worst-hit cities to help hospitals get oxygen.
 In August 2022, paytm Foundation partnered with United Nations Environment Program (UNEP) to set
up the Air quality Action Forum (AQAF) to curb air pollution in India.
AWARDS AND RECOGNITIONS
 Paytm won the award for Best UPI App, Most Design user- friendly Fintech App and the most
innovative use of technology at global fintech Fest 2022.
 Paytm was awarded the FT future of fintech Awards by the financial times in 2016.
 Paytm was announced as the finalist of the Meffys Awards 2015 under the mobile money category
 It won the MMA smarties award gold for mobile app & silver for mcommerce by the mobile marketing
association in 2014 Paytm was recognised as the ‘Employer of The Future’ by fortune India magazine
 It was conferred outstanding startup of the year award at Forbes leadership awards 2016
 Paytm won the Best Unicorn title at BW Businessworld Unicorn summit and awards 2022

Descriptive Statistics analysis
The collected data was processed and analyzed within the time bounded of the research plan. The Data collected
from 61 samples are analyzed carefully and interpretations are made accordingly.
Diagrams such as pie chart , bar diagrams are used for this purpose.
Table 1 :Showing Respondent’s gender :-
GENDER NO. OF RESPONDENTS PERCENTAGE (%)
Male 27 44.3 %
Female 34 55.7%
Other 0 0
Total 61 100 %
Source: primary data
The table and graph shows the Gender classification of respondent 44.3 % of respondents are male and also seen
that 55.7% of respondents are female.

Table 2 . Classification of respondents on the basis of age
Age No. of respondents Percentage (%)
Below 20 16 26.2%
21-30 37 60.7%
31-40 7 11.5%
41-50+ 1 1.6%
Total 61 100%
Source: primary Data
These reveals the classification of respondents based on their age. Within the sample of 26.2 % of
respondendents are belong to the age group below 20 years. Next 60.7 % of respondents belong to the age group
of 21-30 . 11.5% of respondents are within the age group of 31-40 years and 1.6% of respondents are within the
age group of 41-50+.
Table 3 :- Table showing use of paytm.
Useful or not No. of respondents percentage
Yes 36 59%
No 25 41%
Total 61 100%
This table and charts shows about users of paytm . 59% of respondents use paytm and 41% of respondents are
not the user of paytm.

Table4:Table showing knowing about how paytm earn money
Yes or No No of respondents percentage
Yes 27 44.3%
no 34 55.7%
total 61 100%
Source:primary data
This table and charts shows about how many respondents are know about how paytm earn money .within 55.7%
of respondents does’nt know about how paytm earn money and 44.3% of respondents are known.

Table 5 : Table showing Is Paytm is time saving?
Time usage No of respondents percentage
Yes 40 65.6%
No 4 6.6%
May be 17 27.9%
Total 61 100%
Source:primary data
This Table and chart reveals is paytm is time saving or not so 65.6 % of respondents say yes ,6.6 % of
respondents say no and 27.9 % of respondents response may be to these.
Table 6: Table showing convenient device for using paytm
Devices No fo
respondents
percentage
Smartphone 49 80.3%
Computer 1 1.6%
Both 8 13.1%
Other 3 4.9%
Total 61 100%
Source :primary data
From the table and figure 80.3% of the respondents prefer smartphone ,1.6 % of repondents using computer
while 13.1% of respondents using both smartphone and computer,only 3% prefer other option for using paytm.

Table 7 : Table showing preference among application
Application No of respondents Percentage
Paytm 18 29.5%
Google-pay 13 21.3%
Phone pe 22 36.1%
Other 8 13.1%
total 61 100%
Source:primary data
In the Table and figure it is understand that 29.5% of respondents prefer paytm, 21.3%
Prefer google-pay,36.1% prefer phone pe,and the least preferred app is other option like (amazon
pay,whatspay,bhim upi ,etc)with 13.1 %.

Table 8: Table showing important criteria to choose paytm wallet
Factors No of respondents Percentage
Discount available 13 21.3%
Scratch card and cashback 9 14.8%
Reward and premium offer 1 1.6%
Other 9 14.8%
All of above 29 47.5%
Total 61 100%
Reveals the classification of respondents on the basis of the factors encouraging the usage of paytm wallet.
Among 61 respondents , 21.3% of the respondents are attracted to available discounts , 14.8% of the
respondents are attracted to scratch card and cashback, 1.6% of the respondents are attracted to reward and
premium offer, 14.8 % are attracted to other and 47.5% of the respondents are attracted to all of above.
percentage
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
Discount
available
Scratch
card and
cashback
Reward
and
premium
other all of
above
percentage
percentage

Table 9 : Table showing purpose of using paytm wallet most
Factors No of respondents Percentage
Money transfer 13 21.3%
Utility and bill payments 7 11.5%
Recharge 6 9.8%
Total 61 100%
Source:primary data
Both the table and figure makes us aware that most of the respondents uses paytm-wallets for all of these uses
mentioned above. But 21.3% of respondents to money transfer,11.5% of repondents to utility and bill payments
,9.8% of respondents for recharge,and 57.4% of respondents for all of above.
Table 10 :Table showing is paytm wallet is accepted everywhere
Yes or no No of respondents percentage
Yes 30 49.2%
No 8 13.1%
May be 23 37.7%
Total 61 100%
From this table and figure shows about paytm wallet is accepted evrywhere or not .49.2% of respondents say
yes, 13.1 % of respondents say no, and 37.7% of respondents say may be.

Table 11 : Table showing about paytm advertisement
Yes /no No of respondents Percentage
Yes 33 54.1%
No 28 45.9%
Total 61 100
Source:primary data
This chart and figure reveals 54.1% of respondents notice curent advertisment while 45.9% of respondents say
no.

Table 12:Table showing level of awareness toward paytm facilities
Rate of awareness No of respondents percentage
Not aware 16 26.2%
Slightly aware 14 23%
Moderately aware 20 32.8%
Very aware 9 14.8%
Extreme aware 2 3.3%
Total 61 100%
source:primary data
From the table and data, it shows the awareness level about the functionality of paytm facilities. Here 26.2% of
the persons are not aware about its facilities and 23% of them are slightly aware , 32.8% of respondents
moderately aware,only 3.3% of persons are extreme aware about paytm facilities.
Table 13:Table showing presence of obstacle while using payment.
Yes or No No of respondents percentage
Yes 29 47.5%
no 32 52.5%
Total 61 100%
Source:primary data
0.00% 500.00% 1000.00% 1500.00% 2000.00% 2500.00% 3000.00% 3500.00%
Not aware
slightly aware
moderately aware
very aware
extreme aware
percentage
percentage

From the above data , 52.5% of the respondents says that there is no obstacles while the remaining 47.5% of
them says there is an obstacle while using payment.
Table 14: Table showing respondents raised complaint against the payment issue.
Yes/ No No fo repondents Percentage
Yes 22 36.1%
No 39 63.9%
Total 61 100%
Source:primary data
From the data 36.1% of respondents complaint against payment issue while 63.9% of respondents does not
complaitn with their problems.

Table 15: table showing obstacles faced while using payment.
Obstacle No of respondents percentage
Security of mobile payment 17 27.9
Too much time consuming to set
up
10 16.4
Server issue 24 39.3
Cannot be used for international
transaction
10 16.4
Total 61 100
Source:primary data
The Data shows us that 27.9% of respondents is confused with the security of mobile payment ,16.4% of
respondents sees the setting up of paymnet is time consuming ,39.3% of respondents faced server issue ,16.4 %
of repondents sees that it cannot be used for international transaction.
Table 16: table showing attractive strategies of paytm
Strategies No of respondents percentage
Cashback 17 27.9%
Chat option inside e-wallets 3 4.9%
Offer and coupons 7 11.5%
Total 61 100
Source:primary data
From the data shown 55.7% agrees that every option attract users ,11.5% thinks offer and coupons ,while 4.9%
thinks chat option inside e-wallets and 27.9% on cashback as the best strategy.

Table 17 : table shows transaction are secured or not.
Particulars No fo respondents percentage
Agree 44 72.1%
Disagree 9 14.8%
Strongly agree 8 13.1%
Strongly disagree 0 0
Total 61 100
Source :primary data
From the data 72.1% of respondents agree and feel secured to their transaction ,14.8% of respondents disagree
,while 13.1% of repondents strongly agree and 0% of respondents strongly disagree for their security.

Table 18: Table shows average money spend in month
Monthly spend No of repondents percentage
Less than 1000 24 39.3%
1000-10000 23 37.7%
10000-50000 13 21.3%
More than 50000 1 1.6%
Total 61 100
Source:primary data
This data reveals the classification of repondents on the basis of monthly spending money. Among 61
respondents 39.3% of respondents are spend less than 1000, 37.7% of respondents spend 1000-10000 , while
21.3% of respondents spend 10000-50000 , and only 1.6% of respondents spend more than 50000.

Table 19 : Table show level of satisfaction use of paytm service.
Factors Highly
satisfied
satisfied agreed dissatisfied Highly
dissatisfied
Transaction
speed
16 27 20 0 1
Safety &
security
14 26 23 0 1
Charges of using
paytm
12 20 27 4 1
Software issue 12 21 27 6 0
convenience 9 24 27 1 2
Grievance 14 17 28 2 2
source: primary data

Table 20: Table shows level of satisfaction toward use of paytm
Scale Highly
satisfied
satisfied Neutral Dissatisfied Highly
dissatisfied
Recharge 13 8 0 0 0
Ticket booking 6 9 6 0 0
Payment
shopping
8 8 6 0 0
Tranfer of fund 8 5 8 0 0
Hotel booking 7 5 9 0 0

Table 21 : Table showing whether the respondents will suggest paytm to others.
Source:primary data
From chart and table it is clear that 78.7% of repondents in the sample population are interested in sharing the
information about paytm to their family, friendsand others, and only 21.3% of respondents doest not like to refer
about paytm to their family, friends and others.
Scale No of respondents percentage
Yes 48 78.7%
No 13 21.3%
Total 61 100

Table 22: Table showing respondents response on paytm copied paypal.
Agree 21 34.4%
Disagree 40 65.6%
Total 61 100
From this table and data 34.4% of respondents agree and 65.6% of respondents don’t agree that paytm
copied paypal.

Table 23: Table shows respondents link their bank accounnt with paytm wallet.
Yes 34 55.7%
No 27 44.3%
Total 61 100%
Source:primary data
From the data and table show that 55.7% of respondents link their bank account with paytm and 44.3% of
respondents was not linked or they are not the user of paytm.

FINDINGS
 Gender wise classification of respondents revealed that majority are female compared to the opposite
gender
 On the rate of awareness about the functionality of E-wallets only a small portion of them are not aware,
majority are aware and the remaining portion are partially and fully aware.
 From the study it is understandable that phone pe have wide acceptability from the others three E-wallets
 The study shows us that the best device for using Paytm is smartphone about three-fourth of them prefer
smartphones and others prefer both smartphone and personal computer. Therefore, the best device is
smartphone.
 Another finding is that some people consider paytm because of its quick transfer, some consider it as an
alternative choice and some consider E-wallets because of its exciting rewards and its security.
 Most of the paytm users use it for money transfer, recharge and utility and bill payment. Very few
people use it for any one of the above
 The study makes us understand that users looks for rewards, cashback, premium offers and discounts
whenever they use E-wallets through their devices.
 It is understandable that majority of them uses it monthly and weekly and only a few of them uses it
daily and once in a year.
 About the obstacles in using paytm more than half of them says ‘Yes’ and the remaining says ‘No’ even
when they say ‘No’ they do have obstacles because in the next question each and every person finds one
as a hindrance while using wallets. Some of them finds it not safe to financial transaction even though
they find it safer than other payment modes. Some of them are afraid of losing money through hackers,
others say that it cannot be used for international transactions and some say that too much time is taken
to set up.
 It is clear from the study that only a few of them has rated paytm below neutral that means most of them
are satisfied with the paytm services.
 People find paytm as a very useful mode of payment since half of the respondents are attracted to all of
the strategic weapons introduced by E-wallets to attract users.
 The respondents support digital India as they support wide acceptability of paytm all over India. They
are interested in continuing using paytm

SUGGESTION
 Customers are facing certain obstacles or problems while making payments through mobile-wallets. It
should be carefully observed, analyzed and settled.
 Most of the customers use mobile-wallets for the purpose of recharging, utility and bill payments.
Mobile-wallets can be used beyond that by both customers and various companies. The customers can
use it to redeem loyalty rewards, get movie tickets, use gift cards, board airplanes, etc. The companies
can use mobile-wallets for advertising purposes.
 There are many payment apps and mobile-wallets. Mobile-wallet apps should be used only with trusted
gateways. Select the app after thoroughly checking the details such as number of downloads and reviews
which is provided by the used customers in the app store. This will help in ensuring the security of
savings.
 E-wallets have to put more effort on making their wallet even more attractive by making it more
trustworthy to users
 In the study, whenever students use E-wallets they look for new features like premium offers and
discounts and therefore new features can be introduced among them and more students will be attracted
to E-wallet.
 Among the students most of them supports E-wallet as a place for saving and therefore savings scheme
should be improved among all the Ewallets.
 Inorder to make the transactions more safe, fast and flexible the connection of banks with these E-
wallets need to be improved a lot.
 India supports digital marketing and this is to spread E-wallets useage among shopkeepers so that people
can use E-wallets anywhere and they wouldn’t need to carry physical money with them.

CONCLUSION
Globally, payment methods have seen drastic changes in the recent decade. The emergence of electronic world
and the rise of technology have forced to invent new payment methods like mobile wallets. This new payment
gateway is one of the fastest growing technologies in India. The wave of mobile wallet has spread so far that
even banks have also started launching their own mobile wallets. Mobile wallets will go far beyond mobile
payments by enabling smarter and more efficient experiences through the delivery of value-added services. The
COVID-19 pandemic has contributed to this rapid shift in people’s mindsets, needs and adoption habits. The
notable one among it is the extensive use of mobile-wallets during the corona virus outbreak.
The present study concludes that Phone pe is the most preferred mobile wallet and the main factor for using
mobile wallet is convenience. Most of the respondents consider security of mobile payments as a limiting factor.
It is also found out that respondents are fully aware of the functionality of the mobile wallets. The study reveals
that there is notable difference in the customers’ mobile-wallet usage pattern before and after covid19 outbreak.
Paytm is determined to improve their products, services and customer experience. Paytm has showed to be a
model in the field of e-wallets. This study found the main reasons of using Paytm. It was found that convenient
to use, offering discount and coupons, easy return of money, instant payment, secured transaction and widely
acceptance are the main reasons of using Paytm. There is a substantial difference in the respondents' lookout
towards better than other payment modes and less transaction time. Paytn stands to benefit from the explosive
growth happening in india in the digital space . Nevertheless, its competitors also take a share of growing pie.
From the study, that the paytm is more becoming part of the people who are all don’t have time for the queue
payment and all. As this App makes the easier way to pay the bills by staying in home with internet connection.
And it could make develop the economy level of our country by deducting the tax directly in our every
transactions, and also it could be a disadvantage for the people who are all in below poverty or in poverty line. It
could make us to bring more online business like flipkart, Amazon, and also like an swiggy, zomato, etc,.
Peoples who are all using this app they have a proper knowledge about this kind of e-payments.

BIBLOGRAPHY & REFERENCES
https://www.moneycontrol.com/financials/one97communicationspaytm/consolidated-profit-
lossVI/OC03#OC03
https://www.financialexpress.com/industry/paytms-topline-rises-77-on-year-in-fy22/2532836/
https://en.wikipedia.org/wiki/Paytm#:~:text=Nakhwa%2C%20Darshan%20A.%20%22Paytm%20Listin
g%3A%20Shareholder%20Base%2C%20Top%20Investors%2C%20Locked%2DIn%20Shares%20An
d%20More%22.%20BloombergQuint.%20Retrieved%2015%20March%2022.
https://www.thehindubusinessline.com/info-tech/paytm-has-copied-our-logo-paypal/article9430703.ece
https://startuptalky.com/paytm-marketing-strategy
https://www.feedough.com/paytm-business-model-how-paytm-makes-money/
"One 97 Communications Ltd". bseindia.com.

ANNEXURE
Q1. Name :- _________
Q2. Gender of respondents ?
o Male o Female o Other
Q3. Age:-
o below 20 o 21-30 o 31-40 o 41-50+
Q4. Do you use paytm?
o Yes o No
Q5.Do you know how paytm earn money?
o Yes o No
Q6. Is paytm is time saving?
o Yes o No
Q7. Which device do you use for making the payment via-e wallet?
o Smartphone o Computer o Both o other
Q8. Which application do you prefer the most ?
o paytm o google-pay o phonepe o other
Q9. What is the important criteria to choose paytm wallet?
o Discount
available
o Scratch
card and
cashback
o Reward and
premium
offer
o Other o All of
above
Q 10. What is your purppose of using paytm wallet most?
o Money
transfer
o Utility and bill
payments
o Recharg o All of above
Q11. Is paytm wallet is accepted everywhere?
o Yes o No o May be
Q12. Did you recognize latest paytn advertisement?
o Yes o No
Q 13.Rate the level of awareness towards paytm facilities.
o Not
aware
o Slightly
aware
o Moderately
aware
o Very
aware
o Extreme
aware

Q14. Did you ever experience an issue during processing of payment.
o Yes o No
Q15. If yes, did you raised compaint against the payment issue.
o Yes o No
Q16.What are the obstacles you face while using online transaction?
o Security of
mobile
payment
o Too much
time
consuming to
set up
o Server issue o Cannot be
used for
international
transaction
Q17. Among the following , which one do you thing is a strategic weapon of e-wallets to attract user?
o Cashback o Chat option
inside e-
wallets
o Offer and
coupons
o All of above
Q18. Do you believe your transaction are secured?
o Agree o Disagree o Strongly agree o Stongly
disagree
Q19. How much average money do you spend in month?
o less than 1000 o 1000-10000 o 10000-50000 o More than
50000
Q20. Level of satisfaction use of paytm service
Highly
satisfied
Satisfied Agreed Dissatisfied Highly
Dissatisfied
Transaction
speed
Safety
&security
Charges of
using paytam
Software issue
convenience

Q21 . level of satisfaction toward use of paytm?
Highly
satisfied
satisfied neutral dissatisfied Highly
dissatisfied
Recharge
Ticket booking
Payment
shopping
transfer of
fund
Hotel booking
Q 22. Do you recommend paytm wallet to other ?
o Yes o no
Q23. Do you believe that paytm copied paypal?
o Agree o disagree
Q24. Do you link your bank account with paytm wallet?
o Yes o no
Q 25. If No, Specify the reason. :-_____________
Q26. Any suggestion for further improvement of paytm wallet.:-____________________

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