Paytm is India's largest mobile payment platform, launched in 2010. It allows users to make online and mobile payments for services like bills, tickets, and recharges. Paytm has over 122 million active users and processes 7 million daily transactions worth Rs. 120 crore. It is owned by One97 Communications and has a 25% stake held by Ant Financial Services Group.

2. • Paytm means “Pay through Mobile”.
• It is India’s the largest, popular and fastest growing payment service
platform.
• It was launched in 2010 and adds to the industry of FinTech in India.
• It is owned by One97 Communications.
• Ant Financial Services Group, an Alibaba group affiliate, have 25%
stake in One97

3. • The application enables users to book air tickets and taxis, mobile
recharge, and payment of DTH, broadband and electricity bills among
others.
• Paytm have total of 122 million active user.
• Handle 7 million daily transactions worth about Rs 120 crore.
Source: Hindustan Times

4. PEST ANALYSIS

5. • Digital India : The initiative includes plans to connect 250,000 villages
with high-speed internet networks.
• Google has so far installed free Wi-Fi in more than 52 railway stations.
• Google station will provide free Wi-Fi in public places.
• Demonetization.
Political Environment:

6. • India is one of the fastest economically growing countries in the world.
• Per capita income has increased from $ 729 to $ 1581 in last 15 years.
• Affordable smart phones are available in market.
Economical Environment:
Source: www.worldbnk.org

7. • Increase in number of children going to school from 102 crore to 121 crores
• in last 10 years (2005 to 2015) .
• Age of 65% India’s of total population is below 35 yrs.
Social Environment:
Source: www.worldbank.org

8. Technological Environment:
• There are total 331.66 million internet users in India.
• 93.82% of total internet users use internet on mobile
• Internet penetration is 27% . It is expected to increase to 34.8%
Source: www.trai.gov.in
: www.internetsociety.org

9. Value Chain Analysis

10. • Long term contract with service provider like security and encryption
provider.
• Personal at the reginal office for overseeing the smooth operation.
• Transparency and monitoring through development of IT.
• IT infrastructure to handle traffic.
Inbound Logistics

11. • Accept money from respective bank of users.
• Verification of identity of user.
• Verification of transaction .
• Transfer money from one paytm user account to other through a secure
payment gateway

12. • Pan India presence.
• Quick assessment of changing market dynamics and consumer
preferences.
• Discounts and cashback.
Marketing and Sales

13. Services
• Email of transactions.
• Payment without internet.
• Large network of reginal office.
• 24*7 customer care service.

14. S
W
O
T
Strengths
Weaknesses
Opportunities
Threats

15. • Huge population in the target segment.
• Early mover advantage.
• Simple and credible process of payment.
• More number of merchant and user then any other competition.
• Universal compatibility of app and website in all platforms.

16. • Overload site and slow severs
• Increasing number of unsuccessful payments
• Huge extensions to the core business
• Offer a lot of functionality other then its chief purpose
• Unable to handle traffic when new offers are introduce

17. • Increasing awareness of app among people.
• Increasing usage of internet of daily needs.
• Exponential growth in online shopping in recent time.

18. • Highly capable competition.
• Connectivity problems in many areas.

19. • One97 has expertise in developing mobile application and websites. They
provide services to big players like Vodafone, Aircel, Coca-Cola etc .
• PayTM has got almost all Operators across all circles in India.
• Higher Mobile App Penetration - Being a bill payment player PayTM has an
advantage of having more app penetration vis-a-vis others.
Core Competency