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\"\"NEW DELHI: Paytm<\/a>, a fast-growing mobile wallet company, is set to apply for a payment banking permit, becoming the first entity to formally announce interest in launching a service that is part of the Reserve Bank of India<\/a>’s financial inclusion initiative. The company also plans to expand services overseas, starting with Singapore.
\n
\nPaytm is planning to go solo on the application and won't be partnering with any banks, Amit Lakhotia, vice-president of business at Paytm, told ET. \"Out of the total of 30 million mobile wallets in the country, 18 million are Paytm wallets and we feel we are better poised to do this on our own.\"
\n
\nHe said the company doesn’t have the cost structures which banks have. This should allow it to offer incentives, including higher interest rates compared to banks, to attract customers.
\n
\nA mobile wallet is a prepaid payment instrument. It allows customers to digitally store money in a secure virtual wallet and use it for transactions such as DTH service top-ups, mobile recharges, paying utility bills and buying movie tickets.
\n
\nRBI rules do not permit cash withdrawals from mobile wallets, something a payment bank will be allowed to offer. A payment bank will be allowed to take deposits of up to Rs 1 lakh. But it will have to invest the money in government securities and cannot lend. The deadline to apply for payment banking licence is January 16. \"This is a very high growth area.
\n
A country like Kenya<\/a> already transacts billions of dollars through a similar model and this along with other schemes like Jan Dhan Yojna (the government’s financial inclusion programme) could be a game changer for India’s financial inclusion,\" said Prashant Singhal, global telecommunication leader at EY.
\n
Paytm wants to provide the semibanking services especially to mobile phone users, pitting it directly against top telecom providers such as Airtel<\/a> and Vodafone<\/a> which have a much deeper and wider distribution network and also offer mobile wallet services.
\n
According to industry estimates, Paytm records close to Rs 1,500 crore transactions annually in value terms, compared with Bharti Airtel<\/a> which, through Airtel Money, does around Rs 2,500 crore.
\n
Meanwhile, Paytm is set to enter the Singapore market, where it will start offering recharge facilities for taxi and transportation services by early next year. After gaining experience, other possible countries for expansion could include Indonesia, Malaysia and Thailand<\/a>.
\n
\n\"Being a highly penetrated smartphone market, it (Singapore) will be a great second market (after India) for Paytm,\" said Chief Executive Vijay Shekhar Sharma.
\n
\nOne97 Singapore Inc will operate as a wholly owned subsidiary of the Indian parent.
\n
\nIn Singapore, Paytm aims to reach up to two million customers in the first year of operations.
\n
\nThe Paytm app is likely to be used for payments for telecom services, power, broadband, seasonal parking and prepaid card services. The company also expects its product to become the recharge app for EZ-Link, the smartcard used by Singapore’s residents for paying transportation fees in metros, trains and buses.
\n
\n
\n
\n\n<\/body>","next_sibling":[{"msid":45519071,"title":"You may soon use WhatsApp from your desktop","entity_type":"ARTICLE","link":"\/news\/mvas-apps\/you-may-soon-use-whatsapp-from-your-desktop\/45519071","category_name":null,"category_name_seo":"mvas-apps"}],"related_content":[],"msid":45570136,"entity_type":"ARTICLE","title":"Paytm set to apply for a payment banking permit; to enter Singapore","synopsis":"Paytm is planning to go solo on the application and won't be partnering with any banks, Amit Lakhotia, vice-president of business at Paytm, told ET.","titleseo":"mvas-apps\/paytm-set-to-apply-for-a-payment-banking-permit-to-enter-singapore","status":"ACTIVE","authors":[{"author_name":"Anandita Singh Mankotia","author_link":"\/author\/479231328\/anandita-singh-mankotia","author_image":"https:\/\/etimg.etb2bimg.com\/authorthumb\/479231328.cms?width=250&height=250","author_additional":{"thumbsize":false,"msid":479231328,"author_name":"Anandita Singh Mankotia","author_seo_name":"anandita-singh-mankotia","designation":"Editor","agency":false}},{"author_name":"Gulveen Aulakh","author_link":"\/author\/19656\/gulveen-aulakh","author_image":"https:\/\/etimg.etb2bimg.com\/authorthumb\/19656.cms?width=250&height=250&imgsize=27429","author_additional":{"thumbsize":true,"msid":19656,"author_name":"Gulveen Aulakh","author_seo_name":"gulveen-aulakh","designation":"Assistant Editor","agency":false}}],"Alttitle":{"minfo":""},"artag":"ET Bureau","artdate":"2014-12-19 08:38:55","lastupd":"2014-12-19 08:42:45","breadcrumbTags":["MVAS\/Apps","Thailand","Kenya","Airtel","Vodafone","Bharti Airtel","Bank of India","PayTM"],"secinfo":{"seolocation":"mvas-apps\/paytm-set-to-apply-for-a-payment-banking-permit-to-enter-singapore"}}" data-authors="[" anandita singh mankotia","gulveen aulakh"]" data-category-name="MVAS/Apps" data-category_id="16" data-date="2014-12-19" data-index="article_1">

Paytm将申请付款银行许可证;进入新加坡

Paytm计划单独进行应用程序,而且不会与任何银行,Amit Lakhotia Paytm业务副总裁,说等。

辛格Anandita Mankotia Gulveen Aulakh
  • 更新2014年12月19日08:42点坚持
新德里消息:Paytm快速增长的手机钱包公司将申请付款银行许可证,成为第一个实体正式宣布推出一项服务,兴趣是储备的一部分印度银行金融包容的倡议。该公司还计划扩大海外服务,从新加坡。

Paytm计划单独进行应用程序,而且不会与任何银行,Amit Lakhotia Paytm业务副总裁,说等。的3000万手机钱包,1800万Paytm钱包,我们觉得我们自己准备好这么做。”

他表示,该公司没有银行的成本结构。这将允许它提供激励措施,包括提高利率和银行相比,来吸引顾客。

手机钱包是预付费支付手段。钱允许客户数字存储在一个安全的虚拟钱包和使用它潜等交易服务充值,移动充电、支付水电费和购买电影票。

央行规定不允许现金取款从移动钱包、付款银行将被允许提供的东西。付款银行将被允许吸收存款的Rs 1十万卢比。但它将资金投资于政府债券,不能借。申请付款银行执照的最后期限是1月16日。“这是一个非常高的增长领域。

这样的国家肯尼亚已经办理数十亿美元通过一个类似的模型,这与其他计划像Jan Dhan Yojna(政府的金融包容计划)可能是一个改变游戏规则的印度的金融包容,“全球电信Prashant Singhal说领袖等等。

Paytm想提供semibanking服务尤其是移动电话用户,让它直接与顶级电信提供商等附近的旅馆和沃达丰(Vodafone)有更深层次和更广泛的分销网络,还提供手机钱包服务。

据业内估计,Paytm记录接近每年1500卢比交易价值而言,相比之下Bharti Airtel,通过Airtel钱,大约2500卢比。

同时,Paytm设置进入新加坡市场,它将开始提供充电设施出租车明年年初和运输服务。积累经验后,其他国家扩张可能包括印度尼西亚、马来西亚和泰国。

”作为一个高度渗透的智能手机市场,它(新加坡)将是一个巨大的第二市场(在印度)Paytm,”首席执行官Vijay Shekhar Sharma说。

One97新加坡公司将经营印度母公司的全资子公司。

在新加坡,Paytm旨在达到二百万客户在运营的第一年。

Paytm应用可能是用于支付电信服务、电力、宽带、季节性停车和预付卡服务。该公司还预计其产品成为EZ-Link充电应用,新加坡的居民使用的智能卡支付运输费用在地铁,火车和公共汽车。



  • 发布于2014年12月19日08:38点坚持
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\"\"NEW DELHI: Paytm<\/a>, a fast-growing mobile wallet company, is set to apply for a payment banking permit, becoming the first entity to formally announce interest in launching a service that is part of the Reserve Bank of India<\/a>’s financial inclusion initiative. The company also plans to expand services overseas, starting with Singapore.
\n
\nPaytm is planning to go solo on the application and won't be partnering with any banks, Amit Lakhotia, vice-president of business at Paytm, told ET. \"Out of the total of 30 million mobile wallets in the country, 18 million are Paytm wallets and we feel we are better poised to do this on our own.\"
\n
\nHe said the company doesn’t have the cost structures which banks have. This should allow it to offer incentives, including higher interest rates compared to banks, to attract customers.
\n
\nA mobile wallet is a prepaid payment instrument. It allows customers to digitally store money in a secure virtual wallet and use it for transactions such as DTH service top-ups, mobile recharges, paying utility bills and buying movie tickets.
\n
\nRBI rules do not permit cash withdrawals from mobile wallets, something a payment bank will be allowed to offer. A payment bank will be allowed to take deposits of up to Rs 1 lakh. But it will have to invest the money in government securities and cannot lend. The deadline to apply for payment banking licence is January 16. \"This is a very high growth area.
\n
A country like Kenya<\/a> already transacts billions of dollars through a similar model and this along with other schemes like Jan Dhan Yojna (the government’s financial inclusion programme) could be a game changer for India’s financial inclusion,\" said Prashant Singhal, global telecommunication leader at EY.
\n
Paytm wants to provide the semibanking services especially to mobile phone users, pitting it directly against top telecom providers such as Airtel<\/a> and Vodafone<\/a> which have a much deeper and wider distribution network and also offer mobile wallet services.
\n
According to industry estimates, Paytm records close to Rs 1,500 crore transactions annually in value terms, compared with Bharti Airtel<\/a> which, through Airtel Money, does around Rs 2,500 crore.
\n
Meanwhile, Paytm is set to enter the Singapore market, where it will start offering recharge facilities for taxi and transportation services by early next year. After gaining experience, other possible countries for expansion could include Indonesia, Malaysia and Thailand<\/a>.
\n
\n\"Being a highly penetrated smartphone market, it (Singapore) will be a great second market (after India) for Paytm,\" said Chief Executive Vijay Shekhar Sharma.
\n
\nOne97 Singapore Inc will operate as a wholly owned subsidiary of the Indian parent.
\n
\nIn Singapore, Paytm aims to reach up to two million customers in the first year of operations.
\n
\nThe Paytm app is likely to be used for payments for telecom services, power, broadband, seasonal parking and prepaid card services. The company also expects its product to become the recharge app for EZ-Link, the smartcard used by Singapore’s residents for paying transportation fees in metros, trains and buses.
\n
\n
\n
\n\n<\/body>","next_sibling":[{"msid":45519071,"title":"You may soon use WhatsApp from your desktop","entity_type":"ARTICLE","link":"\/news\/mvas-apps\/you-may-soon-use-whatsapp-from-your-desktop\/45519071","category_name":null,"category_name_seo":"mvas-apps"}],"related_content":[],"msid":45570136,"entity_type":"ARTICLE","title":"Paytm set to apply for a payment banking permit; to enter Singapore","synopsis":"Paytm is planning to go solo on the application and won't be partnering with any banks, Amit Lakhotia, vice-president of business at Paytm, told ET.","titleseo":"mvas-apps\/paytm-set-to-apply-for-a-payment-banking-permit-to-enter-singapore","status":"ACTIVE","authors":[{"author_name":"Anandita Singh Mankotia","author_link":"\/author\/479231328\/anandita-singh-mankotia","author_image":"https:\/\/etimg.etb2bimg.com\/authorthumb\/479231328.cms?width=250&height=250","author_additional":{"thumbsize":false,"msid":479231328,"author_name":"Anandita Singh Mankotia","author_seo_name":"anandita-singh-mankotia","designation":"Editor","agency":false}},{"author_name":"Gulveen Aulakh","author_link":"\/author\/19656\/gulveen-aulakh","author_image":"https:\/\/etimg.etb2bimg.com\/authorthumb\/19656.cms?width=250&height=250&imgsize=27429","author_additional":{"thumbsize":true,"msid":19656,"author_name":"Gulveen Aulakh","author_seo_name":"gulveen-aulakh","designation":"Assistant Editor","agency":false}}],"Alttitle":{"minfo":""},"artag":"ET Bureau","artdate":"2014-12-19 08:38:55","lastupd":"2014-12-19 08:42:45","breadcrumbTags":["MVAS\/Apps","Thailand","Kenya","Airtel","Vodafone","Bharti Airtel","Bank of India","PayTM"],"secinfo":{"seolocation":"mvas-apps\/paytm-set-to-apply-for-a-payment-banking-permit-to-enter-singapore"}}" data-news_link="//www.iser-br.com/news/mvas-apps/paytm-set-to-apply-for-a-payment-banking-permit-to-enter-singapore/45570136">