With Paytm<\/a> tanking up on Rs 16,600 crore via initial public offering, the race for India's super app<\/a> on the lines of Chinese giants WeChat and Alipay is set to get hotter. 与Paytm防水层通过首次公开发行(ipo) 16600卢比,印度的种族超级应用在巨人的中国微信,支付宝将越来越热。
A host of conglomerates including Tatas and Reliance<\/a> have stepped up efforts to launch their own super apps and gain an early advantage.
India doesn’t have a super app that’s is in the league of WeChat yet. The closest is Paytm, which offers users the ability to make digital transactions, shop, buy flight and entertainment tickets, insurance and several other similar services. Amazon, Flipkart, Bajaj, SBI and WhatsApp<\/a> are among the others in a competition to build a super app.
![\"\"](\"\/\/www.iser-br.com\/Themes\/Release\/images\/responsive\/ettelecom-default.jpg\")
Tata Group<\/a> <\/strong>
Tata Group is planning to come up with its own super app and bring its various consumer businesses under one digital umbrella and offer a seamless omnichannel experience. It is also making acquisitions such as Bigbasket and 1mg to bolster its digital presence.
“It will be a super app, a lot of apps in apps and so on … We have a very big opportunity … How do we give a simple online experience connecting all of this, and at the same time a beautiful omnichannel experience? That is the vision,” N Chandrasekaran, chairman, Tata Sons<\/a> had said.
The company is looking to leverage its huge consumer base which is spread across various categories and build a “world-class platform out of India to serve the Indian consumer\".
Tata Group has a host of consumer-facing brands that include grocery items, fashion brands, and electronics brands.
In terms of financial services, Tata Group has an insurance company as well as a consumer finance arm, which can be easily integrated into its super app.
Paytm<\/strong>
Paytm, which lacks services such as ride hailing, food delivery, and online groceries, is the leader in the race at present. The app had 85.49 million monthly active users in March 2020. The company has launched a mini-apps store and partnered with companies like Ola, Domino’s, and Decathlon. It plans to have a million such apps on its store by 2021. Mini apps are custom-built web apps that give users an app-like experience without needing to download one. The listing and distribution of these mini apps within the Paytm app is free of charge, and users can use the Paytm wallet, Paytm Payments Bank, UPI<\/a>, or net banking for payments at no charges, and credit cards at a 2% fee. These apps are low-cost and quick to build, using HTML and JavaScript.
The company claims it has 325 million registered wallets, which is higher than the 200 million active UPI handles that have been created in the country.
Now the company has set its sights on using the platform to sell multiple financial services such as digital gold, mutual funds, insurance, and consumer and business loans.
What's a super app?<\/strong>
A super app is a product that combines a bunch of services and allows third-party developers to integrate mini programs inside the main product.
Among the types of super apps, the first one is where users can conduct transactions such as payments and access value-added services like ordering food. The second type has a messaging platform, access to social media, and is able to customise different transactions on one platform. It allows users to perform several tasks like ordering food, booking a ride, making payments, and even offers loans. The third variant is an extension of the first one, with additional infrastructure and services, such as financial products, payments, and cloud infrastructure to its merchants.
SBI Yono<\/strong>
State Bank of India (SBI) is looking to build its super app Yono into a wider platform that can be used by rival lenders. The bank's plans to create a platform for Yono that will be integrated with regional rural banks or cooperative banks. The plan is to turn the app into a platform where all banks, including SBI, can offer their products and services. The bank feels that the product will be more valuable to investors once the app is fully built out as a platform.
Yono user base has nearly doubled to 32 million at the end of December 2020 from 17 million a year ago.
SBI disbursed personal loans worth Rs 15,996 crore through more than 1 million Yono loan accounts between April and December 2020. It is now looking to extend it to home loan customers and make the entire process online. It is also planning to go big with its multi-lingual Yono Krishi platform that offers services such as Yono Khata, Yono Bachat, Yono Mitra and Yono Mandi to its farm customers. It wants to expand Yono Business through which it has made it easier for corporate customers to apply for letters of credit and bank guarantees.
Reliance Retail<\/a><\/strong>
Reliance Retail Ventures Ltd’s acquisition of a controlling stake in business-to-business (B2B) search engine Just Dial (JD) will provide it with access to a large merchant base for its new commerce platform JioMart. It will also allow it to harness JD’s evolution into a super app that will help book flights, train and bus tickets, cabs and hotel rooms and pay bills, as well as provide other services. Reliance Retail plans to onboard 10 million merchant partners for its new commerce initiative over the next three years. The acquisition will allow RRVL to leverage JD’s database of 30.4 million business listings and its consumer traffic of 129 million quarterly unique users as on March 31, 2021. JD’s B2B platform, JD Mart, matches wholesalers and manufacturers with retailers and industrial buyers, according to Credit Suisse.
Also, Facebook and telecom giant Reliance Jio are coming together to figure out the possibility of a super app, similar to the multipurpose Chinese platform WeChat. They are reportedly hoping to develop the app using the WhatsApp platform as well as its huge user base.
The platform would be a place for users to chat, while also letting them shop for groceries from Reliance Retail stores, for clothes and apparel and make digital payments using JioMoney.
WhatsApp<\/strong>
WhatsApp has a vast user base in India, but it has too few services to offer and must build and maintain its fintech muscle. The variety of its product portfolio and the speed of implementation will determine whether it can topple the incumbents in India. It may also have to face regulatory hurdles in India.
Bajaj Finance<\/strong>
Bajaj Finance has recently stepped up its wallet business. Its cross-sell franchise has about 27 million customers with around 70% of all no-cost EMI loans given for offline consumer durable purchases being through it.
Bajaj has recently launched a payments app and looks to be on the way to build a super app. The launch of the digital wallet is part of a broader strategy by the consumer NBFC to expand its digital finance offerings. The company has been rolling out ‘Bajaj Pay’ in phases to expand into the payments segment.
The potential<\/strong>
WeChat’s average revenue per user (ARPU) is estimated to be at least seven times the ARPU of WhatsApp, the largest messaging platform in the world.
The WeChat “wallet” is not a traditional mobile wallet per se. It’s a marketplace with carefully curated, pre-approved service providers that users can transact with — taxis, doctors, government services, and even celebrities. When spending money is as simple as a few taps, usage stats skyrocket.
In 2017, China’s mobile payments reached over $5.5 trillion, roughly 50 times the size of the US market.
The other main player is Ant Group's Alipay, which also has more than one billion users and offers 120,000 mini programmes.
<\/p><\/body>","next_sibling":[{"msid":85170279,"title":"DoT likely to set up panel for preparing telecom sector relief package: Report","entity_type":"ARTICLE","link":"\/news\/dot-likely-to-set-up-panel-for-preparing-telecom-sector-relief-package-report\/85170279","category_name":null,"category_name_seo":"telecomnews"}],"related_content":[{"msid":"85168566","title":"iStock-1191967417","entity_type":"IMAGES","seopath":"fintech\/race-for-super-app-who-will-become-indias-wechat-and-alipay\/istock-1191967417","category_name":"Race for super app: Who will become India's WeChat and Alipay?","synopsis":false,"thumb":"https:\/\/etimg.etb2bimg.com\/thumb\/img-size-263217\/85168566.cms?width=150&height=112","link":"\/image\/fintech\/race-for-super-app-who-will-become-indias-wechat-and-alipay\/istock-1191967417\/85168566"},{"msid":"85168623","title":"iStock-1179101265","entity_type":"IMAGES","seopath":"fintech\/race-for-super-app-who-will-become-indias-wechat-and-alipay\/istock-1179101265","category_name":"Race for super app: Who will become India's WeChat and Alipay?","synopsis":false,"thumb":"https:\/\/etimg.etb2bimg.com\/thumb\/img-size-213525\/85168623.cms?width=150&height=112","link":"\/image\/fintech\/race-for-super-app-who-will-become-indias-wechat-and-alipay\/istock-1179101265\/85168623"}],"msid":85170759,"entity_type":"ARTICLE","title":"Race for super app: Who will become India's WeChat and Alipay?","synopsis":"Paytm is raising Rs 16,600 crore ammo to fire its growth, Reliance has just bought JD, Tata group is on an acquisition spree, Bajaj has stepped up its wallet business","titleseo":"telecomnews\/race-for-super-app-who-will-become-indias-wechat-and-alipay","status":"ACTIVE","authors":[],"analytics":{"comments":0,"views":150,"shares":0,"engagementtimems":750000},"Alttitle":{"minfo":""},"artag":"ETBFSI","artdate":"2021-08-09 11:05:10","lastupd":"2021-08-09 11:06:45","breadcrumbTags":["Super app","WhatsApp","Tata Sons","Reliance","MVAS\/Apps","upi","tata group","Reliance Retail","paytm"],"secinfo":{"seolocation":"telecomnews\/race-for-super-app-who-will-become-indias-wechat-and-alipay"}}" data-authors="[" "]" data-category-name="" data-category_id="" data-date="2021-08-09" data-index="article_1">
集团包括再见和依赖加大力度推出自己的超级应用和获得先发优势。
印度没有一个超级联赛的应用,是微信。最接近Paytm,为用户提供了数字交易能力,商店,购买飞行和娱乐门票,保险以及其他类似的服务。亚马逊,Flipkart公司巴贾杰,印度国家银行WhatsApp在其他竞争,建立一个超级应用。
塔塔集团
塔塔集团计划提出自己的超级应用程序并使其各种消费者业务在一个数字的伞和提供了一个无缝的omnichannel体验。也是进行并购,如Bigbasket和1毫克加强数字的存在。
“这将是一个超级应用,很多应用程序等等…我们有一个非常大的机会…我们怎么给一个简单的在线体验连接,同时一个美丽omnichannel经验吗?这是愿景,”主席,N•钱德拉塞卡兰塔塔的儿子所说的。
公司想要利用其庞大的消费者群体是分布在不同的类别和建立一个“世界级平台印度服务的消费”。
塔塔集团拥有一系列面向消费者的品牌,包括杂货用品,时尚品牌,电子品牌。
塔塔集团在金融服务方面,有一个保险公司以及消费者金融部门,可以很容易地集成到其超级应用。
Paytm
Paytm缺乏服务,如骑欢呼,食品外卖,和在线杂货,目前领导在比赛中。应用程序有8549万个月度活跃用户2020年3月。公司已经推出了一个迷你应用程序商店,与这样的公司合作Ola,达美乐,十项全能。它计划到2021年将有一百万个这样的应用程序在其商店。迷你应用定制的web应用,给用户一种中体验,而不需要下载一个。这些迷你应用程序的清单和分布在Paytm应用是免费的,用户可以使用Paytm钱包,Paytm支付银行,UPI,或者在没有指控,净银行支付和信用卡2%费用。这些应用程序是低成本和快速构建,使用HTML和JavaScript。
该公司声称它有3.25亿注册钱包,高于2亿活跃UPI处理已创建。
现在公司已经将目光投向使用平台出售多个数字黄金等金融服务,共同基金,保险,以及消费者和企业的贷款。
一个超级应用是什么?
超级应用是一个产品,它结合了一系列的服务,允许第三方开发者集成迷你程序内部的主要产品。
超级应用的类型中,第一个是,用户可以进行交易,如付款和增值服务的访问点的食物。第二种类型的消息传递平台,对社交媒体的访问,并且可以定制不同的事务在一个平台上。它允许用户执行一些任务,如订购食物,预订一程,付款,甚至提供贷款。第三个变体是第一个的延伸,与额外的基础设施和服务,如金融产品,支付,和云基础设施的商人。
印度国家银行Yono
印度国家银行(印度国家银行)正寻求建立超级应用Yono到一个广泛的平台,可以通过竞争对手银行。世行Yono计划创建一个平台,将结合地区农村银行和合作银行。计划是将应用程序变成一个所有银行的平台,包括印度国家银行,可以提供他们的产品和服务。银行认为该产品将更有价值投资者一旦应用程序完全建立一个平台。
Yono用户群已经翻了一倍,至3200万年底的2020年12月从一年前的1700万年。
印度国家银行个人贷款支付价值15996卢比之间通过超过100万Yono贷款账户2020年4月和12月。现在想要扩展它住房贷款客户在线,让整个过程。它还计划去大的多语种Yono Krishi平台提供服务,如Yono Khata, Yono Bachat, Yono Mitra和Yono曼迪农场的客户。它想扩大Yono业务通过它使得企业客户更容易申请信用证和银行担保。
信实零售
信实零售企业有限公司收购控股权的企业对企业(B2B)搜索引擎只是拨(JD)将为其提供访问一个新的商务平台JioMart大型商业基地。它还将允许它驾驭JD的进化成超级应用,帮助预订机票,火车和巴士票,出租车和酒店房间,支付账单,以及提供其他服务。信实零售计划在1000万商业合作伙伴的新商业计划在未来三年。收购将使RRVL利用JD的数据库3040万企业名录和其消费者流量1.29亿季度独特的用户3月31日,2021年。JD的B2B平台,JD集市、火柴批发商和制造商与零售商和工业买家,根据瑞士信贷(Credit Suisse)。
同样,Facebook和电信巨头Reliance Jio在一起找出一个超级应用的可能性,类似于多用途中国微信平台。据报道,他们希望使用WhatsApp平台开发应用程序以及庞大的用户基础。
平台用户聊天的地方,同时也让他们从信实零售商店购买食品杂货,服装和服装和使用JioMoney支付数字。
WhatsApp
WhatsApp在印度拥有庞大的用户基础,但是它有太少的服务提供,必须建立和维护其fintech肌肉。不同的产品组合和实现的速度将决定它是否能够推翻印度的现任者。它在印度也可能面临监管障碍。
巴贾杰金融
巴贾杰最近加强了钱包业务融资。其交叉销售业务有2700万客户提供70%的免费EMI贷款给线下购买耐用消费品被通过。
巴贾杰最近推出了一个支付应用,似乎在建立一个超级应用。发射的电子钱包是由消费者更广泛战略的一部分NBFC扩大数字金融产品。公司推出的“巴贾杰支付”阶段进入支付环节。
潜在的
微信的每用户平均收入(ARPU)估计至少七次的ARPU WhatsApp,世界上最大的通讯平台。
微信的“钱包”并不是一个传统的手机钱包本身。精心策划的一个市场,预先核准的服务提供者,用户可以办理,出租车、医生、政府服务,甚至名人。当花钱这么简单几个水龙头,使用数据飙升。
2017年,中国移动支付达到逾5.5万亿美元,大约50倍的美国市场。
的另一个主要的球员是蚁群的支付宝,也拥有超过十亿用户,提供120000迷你项目。
读到
With Paytm<\/a> tanking up on Rs 16,600 crore via initial public offering, the race for India's super app<\/a> on the lines of Chinese giants WeChat and Alipay is set to get hotter.
A host of conglomerates including Tatas and Reliance<\/a> have stepped up efforts to launch their own super apps and gain an early advantage.
India doesn’t have a super app that’s is in the league of WeChat yet. The closest is Paytm, which offers users the ability to make digital transactions, shop, buy flight and entertainment tickets, insurance and several other similar services. Amazon, Flipkart, Bajaj, SBI and WhatsApp<\/a> are among the others in a competition to build a super app.
Tata Group<\/a> <\/strong>
Tata Group is planning to come up with its own super app and bring its various consumer businesses under one digital umbrella and offer a seamless omnichannel experience. It is also making acquisitions such as Bigbasket and 1mg to bolster its digital presence.
“It will be a super app, a lot of apps in apps and so on … We have a very big opportunity … How do we give a simple online experience connecting all of this, and at the same time a beautiful omnichannel experience? That is the vision,” N Chandrasekaran, chairman, Tata Sons<\/a> had said.
The company is looking to leverage its huge consumer base which is spread across various categories and build a “world-class platform out of India to serve the Indian consumer\".
Tata Group has a host of consumer-facing brands that include grocery items, fashion brands, and electronics brands.
In terms of financial services, Tata Group has an insurance company as well as a consumer finance arm, which can be easily integrated into its super app.
Paytm<\/strong>
Paytm, which lacks services such as ride hailing, food delivery, and online groceries, is the leader in the race at present. The app had 85.49 million monthly active users in March 2020. The company has launched a mini-apps store and partnered with companies like Ola, Domino’s, and Decathlon. It plans to have a million such apps on its store by 2021. Mini apps are custom-built web apps that give users an app-like experience without needing to download one. The listing and distribution of these mini apps within the Paytm app is free of charge, and users can use the Paytm wallet, Paytm Payments Bank, UPI<\/a>, or net banking for payments at no charges, and credit cards at a 2% fee. These apps are low-cost and quick to build, using HTML and JavaScript.
The company claims it has 325 million registered wallets, which is higher than the 200 million active UPI handles that have been created in the country.
Now the company has set its sights on using the platform to sell multiple financial services such as digital gold, mutual funds, insurance, and consumer and business loans.
What's a super app?<\/strong>
A super app is a product that combines a bunch of services and allows third-party developers to integrate mini programs inside the main product.
Among the types of super apps, the first one is where users can conduct transactions such as payments and access value-added services like ordering food. The second type has a messaging platform, access to social media, and is able to customise different transactions on one platform. It allows users to perform several tasks like ordering food, booking a ride, making payments, and even offers loans. The third variant is an extension of the first one, with additional infrastructure and services, such as financial products, payments, and cloud infrastructure to its merchants.
SBI Yono<\/strong>
State Bank of India (SBI) is looking to build its super app Yono into a wider platform that can be used by rival lenders. The bank's plans to create a platform for Yono that will be integrated with regional rural banks or cooperative banks. The plan is to turn the app into a platform where all banks, including SBI, can offer their products and services. The bank feels that the product will be more valuable to investors once the app is fully built out as a platform.
Yono user base has nearly doubled to 32 million at the end of December 2020 from 17 million a year ago.
SBI disbursed personal loans worth Rs 15,996 crore through more than 1 million Yono loan accounts between April and December 2020. It is now looking to extend it to home loan customers and make the entire process online. It is also planning to go big with its multi-lingual Yono Krishi platform that offers services such as Yono Khata, Yono Bachat, Yono Mitra and Yono Mandi to its farm customers. It wants to expand Yono Business through which it has made it easier for corporate customers to apply for letters of credit and bank guarantees.
Reliance Retail<\/a><\/strong>
Reliance Retail Ventures Ltd’s acquisition of a controlling stake in business-to-business (B2B) search engine Just Dial (JD) will provide it with access to a large merchant base for its new commerce platform JioMart. It will also allow it to harness JD’s evolution into a super app that will help book flights, train and bus tickets, cabs and hotel rooms and pay bills, as well as provide other services. Reliance Retail plans to onboard 10 million merchant partners for its new commerce initiative over the next three years. The acquisition will allow RRVL to leverage JD’s database of 30.4 million business listings and its consumer traffic of 129 million quarterly unique users as on March 31, 2021. JD’s B2B platform, JD Mart, matches wholesalers and manufacturers with retailers and industrial buyers, according to Credit Suisse.
Also, Facebook and telecom giant Reliance Jio are coming together to figure out the possibility of a super app, similar to the multipurpose Chinese platform WeChat. They are reportedly hoping to develop the app using the WhatsApp platform as well as its huge user base.
The platform would be a place for users to chat, while also letting them shop for groceries from Reliance Retail stores, for clothes and apparel and make digital payments using JioMoney.
WhatsApp<\/strong>
WhatsApp has a vast user base in India, but it has too few services to offer and must build and maintain its fintech muscle. The variety of its product portfolio and the speed of implementation will determine whether it can topple the incumbents in India. It may also have to face regulatory hurdles in India.
Bajaj Finance<\/strong>
Bajaj Finance has recently stepped up its wallet business. Its cross-sell franchise has about 27 million customers with around 70% of all no-cost EMI loans given for offline consumer durable purchases being through it.
Bajaj has recently launched a payments app and looks to be on the way to build a super app. The launch of the digital wallet is part of a broader strategy by the consumer NBFC to expand its digital finance offerings. The company has been rolling out ‘Bajaj Pay’ in phases to expand into the payments segment.
The potential<\/strong>
WeChat’s average revenue per user (ARPU) is estimated to be at least seven times the ARPU of WhatsApp, the largest messaging platform in the world.
The WeChat “wallet” is not a traditional mobile wallet per se. It’s a marketplace with carefully curated, pre-approved service providers that users can transact with — taxis, doctors, government services, and even celebrities. When spending money is as simple as a few taps, usage stats skyrocket.
In 2017, China’s mobile payments reached over $5.5 trillion, roughly 50 times the size of the US market.
The other main player is Ant Group's Alipay, which also has more than one billion users and offers 120,000 mini programmes.
<\/p><\/body>","next_sibling":[{"msid":85170279,"title":"DoT likely to set up panel for preparing telecom sector relief package: Report","entity_type":"ARTICLE","link":"\/news\/dot-likely-to-set-up-panel-for-preparing-telecom-sector-relief-package-report\/85170279","category_name":null,"category_name_seo":"telecomnews"}],"related_content":[{"msid":"85168566","title":"iStock-1191967417","entity_type":"IMAGES","seopath":"fintech\/race-for-super-app-who-will-become-indias-wechat-and-alipay\/istock-1191967417","category_name":"Race for super app: Who will become India's WeChat and Alipay?","synopsis":false,"thumb":"https:\/\/etimg.etb2bimg.com\/thumb\/img-size-263217\/85168566.cms?width=150&height=112","link":"\/image\/fintech\/race-for-super-app-who-will-become-indias-wechat-and-alipay\/istock-1191967417\/85168566"},{"msid":"85168623","title":"iStock-1179101265","entity_type":"IMAGES","seopath":"fintech\/race-for-super-app-who-will-become-indias-wechat-and-alipay\/istock-1179101265","category_name":"Race for super app: Who will become India's WeChat and Alipay?","synopsis":false,"thumb":"https:\/\/etimg.etb2bimg.com\/thumb\/img-size-213525\/85168623.cms?width=150&height=112","link":"\/image\/fintech\/race-for-super-app-who-will-become-indias-wechat-and-alipay\/istock-1179101265\/85168623"}],"msid":85170759,"entity_type":"ARTICLE","title":"Race for super app: Who will become India's WeChat and Alipay?","synopsis":"Paytm is raising Rs 16,600 crore ammo to fire its growth, Reliance has just bought JD, Tata group is on an acquisition spree, Bajaj has stepped up its wallet business","titleseo":"telecomnews\/race-for-super-app-who-will-become-indias-wechat-and-alipay","status":"ACTIVE","authors":[],"analytics":{"comments":0,"views":150,"shares":0,"engagementtimems":750000},"Alttitle":{"minfo":""},"artag":"ETBFSI","artdate":"2021-08-09 11:05:10","lastupd":"2021-08-09 11:06:45","breadcrumbTags":["Super app","WhatsApp","Tata Sons","Reliance","MVAS\/Apps","upi","tata group","Reliance Retail","paytm"],"secinfo":{"seolocation":"telecomnews\/race-for-super-app-who-will-become-indias-wechat-and-alipay"}}" data-news_link="//www.iser-br.com/news/race-for-super-app-who-will-become-indias-wechat-and-alipay/85170759">
评论
现在评论 阅读评论(1)所有评论
找到这个评论进攻?
下面选择你的理由并单击submit按钮。这将提醒我们的版主采取行动