\"\"
<\/span><\/figcaption><\/figure> BENGALURU: After peer-to-peer (P2P<\/a>) and bill payments<\/a>, Google Pay is looking to win over customers<\/a> of smaller offline<\/a> retailers or kirana<\/a> stores. While Google had announced plans to partner with point-of-sale providers to onboard retail merchants, it is now piloting transactions based on the Unified Payments Interface (UPI) to be made by consumers while making offline purchases, according to two people aware of the matter.

“It will bring the convenience of card payments onto the smart phone—the only thing required here will be, instead of the card swipe, customers will have to share the mobile number at the billing counter,” said a top payment executive aware of the matter. Consumers will get a ‘collect’ request on their Google Pay application and make the payment by inserting the UPI PIN.

Having emerged as one of the top three payment applications on UPI thanks to P2P and bill payments, Google’s offline strategy is designed to create an ecosystem of payment solutions for Indian consumers. For the technology giant, which is aiming to connect the Next Billion Users to the internet, India is a key market. By leveraging payments, the company is targeting a big chunk of the consumer-retail interface.

“There are small-scale pilots that are being run across retail stores in the country. As of now there are no banner advertisements that are being done, only early adopters can test the product,” said one of the persons cited above. “The rollout will happen over the next few months.”

Google has much of the backend in place for such an exercise.

“The plan is to also run localised promotional campaigns for consumers in that area,” said one of the persons. “They have geo-tagged shops and can easily identify consumers in the surrounding area as well thereby offering targeted marketing campaigns.”

Google’s plans are similar to the offline strategy of PhonePe, which is using MapMyIndia to target offline stores and promote UPI payments.

“Our vision is to enable fast, seamless, and secure payments for our users anywhere, at any time, whether they are paying other users, buying products or services
online<\/a>, recharging mobile balance, paying for utilities or shopping at a retail outlet,” said Ambarish Kenghe, director, product management, Google Pay. “The offline ecosystem forms an important part of our objective to provide a seamless experience to users transacting with Google Pay.”

After ecommerce payments, the next battle is widely expected to be fought on the offline payments front. Paytm, with its expansive network of merchants using Paytm QR, is expected to be challenged by Google Pay, Reliance Jio and PhonePe.

“All eyes are on Reliance Jio, especially after what happened in telecom. What Jio wants to do in digital payments is being keenly observed by others,” said a payments industry expert. “Offline is the next big thing which will create the ultimate winner in the Indian payments ecosystem.”

With its own integrated billing and payments offering for small merchants, Jio could disrupt offline payments.

PhonePe chief executive officer Sameer Nigam has told ET that the company has partnered with MapMy-India to track retail merchants in the country and create an engagement platform for users with local kirana stores. Similar to Google Pay, Phone-Pe is also listing local merchants on its application. “The best part for Google is that the India fintech strategy is not defined by revenues. It is more about creating that experience for the consumers and enhance stickiness,” said the expert.
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GooglePay看起来将存储的客户在其平台上拉

谷歌的计划类似于PhonePe离线策略,即使用MapMyIndia目标离线商店和促进UPI支付。

Pratik Bhakta
  • 发布于2019年3月18日08:24点坚持
班加罗尔:点对点(后P2P)和比尔支付,谷歌希望战胜客户较小的离线零售商或基拉商店。虽然谷歌宣布计划与销售点提供商合作上零售商人,现在驾驶交易基于统一的支付接口(UPI)是由消费者而进行脱机消费,据两人知道。

“这将带来的便利信用卡支付到智能手机——只需要在这里,而不是卡刷卡,客户将不得不分享的手机号码计费柜台,“说一个支付高管意识到的问题。消费者将会得到一个“收集”请求在谷歌支付应用程序并通过插入UPI销付款。

广告
拥有成为一个顶尖的三个付款申请UPI由于P2P和帐单支付,谷歌离线策略是旨在创造一个生态系统为印度消费者的支付解决方案。的科技巨头的目标是下一个十亿用户连接到互联网,印度是一个主要的市场。通过利用支付,公司目标是一大块的零售接口。

“有小规模的飞行员正在运行在零售商店。到目前为止没有做横幅广告,只有早期采用者可以测试产品,”上面所提到的一个人说。在接下来的几个月里会发生“推出”。

谷歌的后端在这样的锻炼。

“还计划运行局部的促销活动对消费者,”说的一个人。“他们有带有地理标签的商店和消费者可以很容易地识别周围地区从而提供有针对性的营销活动。”

谷歌的计划类似于PhonePe离线策略,即使用MapMyIndia目标离线商店和促进UPI支付。

“我们的愿景是使快速、无缝、安全支付我们的用户在任何地方,在任何时候,他们是否支付其他用户,购买产品或服务在线,充电移动平衡,支付工具在零售商店或购物,“说Ambarish Kenghe,导演,产品管理,谷歌支付。“离线生态系统构成的一个重要组成部分我们的目标向用户提供无缝体验交易与谷歌付钱。”

广告
电子商务支付后,人们普遍预计接下来的战斗战斗在线下支付。Paytm,广阔的网络使用Paytm QR的商人,有望挑战谷歌支付,Jio和PhonePe的依赖。

“所有人都在关注依赖Jio,特别是在电信发生了什么。Jio想要做什么在数字支付被敏锐地观察到其他人,”一个支付行业专家说。“离线是下一个大事件将创建最终的赢家在印度支付生态系统。”

有自己的综合计费和支付提供的小商人,Jio可能会扰乱离线支付。

PhonePe首席执行官Sameer尼噶告诉等,该公司已与MapMy-India跟踪零售商家,为用户创建一个参与平台拉与当地商店。类似于谷歌支付,Phone-Pe清单当地商人也在其应用程序。“谷歌是最好的一部分,印度fintech策略是没有定义的收入。它更多的是为消费者创造经验,提高粘性,”专家说。
  • 发布于2019年3月18日08:24点坚持
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<\/span><\/figcaption><\/figure> BENGALURU: After peer-to-peer (P2P<\/a>) and bill payments<\/a>, Google Pay is looking to win over customers<\/a> of smaller offline<\/a> retailers or kirana<\/a> stores. While Google had announced plans to partner with point-of-sale providers to onboard retail merchants, it is now piloting transactions based on the Unified Payments Interface (UPI) to be made by consumers while making offline purchases, according to two people aware of the matter.

“It will bring the convenience of card payments onto the smart phone—the only thing required here will be, instead of the card swipe, customers will have to share the mobile number at the billing counter,” said a top payment executive aware of the matter. Consumers will get a ‘collect’ request on their Google Pay application and make the payment by inserting the UPI PIN.

Having emerged as one of the top three payment applications on UPI thanks to P2P and bill payments, Google’s offline strategy is designed to create an ecosystem of payment solutions for Indian consumers. For the technology giant, which is aiming to connect the Next Billion Users to the internet, India is a key market. By leveraging payments, the company is targeting a big chunk of the consumer-retail interface.

“There are small-scale pilots that are being run across retail stores in the country. As of now there are no banner advertisements that are being done, only early adopters can test the product,” said one of the persons cited above. “The rollout will happen over the next few months.”

Google has much of the backend in place for such an exercise.

“The plan is to also run localised promotional campaigns for consumers in that area,” said one of the persons. “They have geo-tagged shops and can easily identify consumers in the surrounding area as well thereby offering targeted marketing campaigns.”

Google’s plans are similar to the offline strategy of PhonePe, which is using MapMyIndia to target offline stores and promote UPI payments.

“Our vision is to enable fast, seamless, and secure payments for our users anywhere, at any time, whether they are paying other users, buying products or services
online<\/a>, recharging mobile balance, paying for utilities or shopping at a retail outlet,” said Ambarish Kenghe, director, product management, Google Pay. “The offline ecosystem forms an important part of our objective to provide a seamless experience to users transacting with Google Pay.”

After ecommerce payments, the next battle is widely expected to be fought on the offline payments front. Paytm, with its expansive network of merchants using Paytm QR, is expected to be challenged by Google Pay, Reliance Jio and PhonePe.

“All eyes are on Reliance Jio, especially after what happened in telecom. What Jio wants to do in digital payments is being keenly observed by others,” said a payments industry expert. “Offline is the next big thing which will create the ultimate winner in the Indian payments ecosystem.”

With its own integrated billing and payments offering for small merchants, Jio could disrupt offline payments.

PhonePe chief executive officer Sameer Nigam has told ET that the company has partnered with MapMy-India to track retail merchants in the country and create an engagement platform for users with local kirana stores. Similar to Google Pay, Phone-Pe is also listing local merchants on its application. “The best part for Google is that the India fintech strategy is not defined by revenues. It is more about creating that experience for the consumers and enhance stickiness,” said the expert.
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