$\"\"$ NEW DELHI: Digital payment firm MobiKwik<\/a>, which has not yet got the payment bank licence from the Central bank, has started a pilot for extending short-term credit to a select group of its existing customers based on their transaction history. This is part of the company’s larger strategy to weave in wealth management and small investments along with enabling payments through its wallet.
\n
MobiKwik<\/a> competes with the likes of Paytm<\/a> in this space which has already got a licence for a bank and plans to launch it by August this year. According to Upasana Taku<\/a>, cofounder of MobiKwik, the mobile wallet firm has drawn up a list of its power users who are offered a line of credit which can be repaid within 15 days. The company has tied up with Non Banking Finance Company<\/a> (NBFC<\/a>) Fullerton for it and charges an interest fee of 5% on the loaned amount.
\n
\nTaku told ET that the company is working on ways to enable shortterm savings for customers and simplifying wealth management for them by reducing the paperwork and doing away with the financial jargon. On cards are fixed deposits and Systematic Investment Plans (SIPs) for mutual funds. MobiKwik is currently in talks with multiple banks to partner for these offerings.
\n
\n $\"\"$
\n
\n\"Even without the payment bank licence, we can do everything that a bank will be able to under the norms,\" said Taku. The only thing which MobiKwik will not be able to do is use the word \"bank\" she added.
\n
\nIn August, the RBI gave ‘in principle’ approval to 11 entities to run payment banks, including Reliance Industries, Airtel M Commerce Services, Vodafone m-pesa, Tech Mahindra and Idea Cellular’s promoter Aditya Birla Nuvo. Others applicants that won approval include Fino Pay-Tech, Department of Posts, National Securities Depository, Sun Pharmaceuticals MD Dilip Shantilal Shanghvi, and Cholamandalam Distribution Services. The entities, which have 18 months to start operations, are in various stages of implementation.
\n
MobiKwik’s rival Paytm<\/a> also has similar plans after it rolls out its Bank operations. In an interview in February, Vijay Shekhar Sharma<\/a>, cofounder of Paytm, told ET the Bank will be focused on driving small savings for its existing urban and semi-urban consumers.
\n
\nThe company is looking at using technology to create instruments that will help people earn interest on even Rs 500 kept in their bank accounts. According to Sharma, the bank will focus on savings and payments initially and then expand to wealth management.\n\n<\/body>","next_sibling":[{"msid":51837991,"title":"Mphasis CEO promises to ensure that its decentralised leadership style survives post Blackstone deal","entity_type":"ARTICLE","link":"\/news\/mphasis-ceo-promises-to-ensure-that-its-decentralised-leadership-style-survives-post-blackstone-deal\/51837991","category_name":null,"category_name_seo":"telecomnews"}],"related_content":[],"msid":51835740,"entity_type":"ARTICLE","title":"Short-term lending to help MobiKwik weave in wealth management and small investments","synopsis":"MobiKwik competes with the likes of Paytm in this space which has already got a licence for a bank and plans to launch it by August this year.","titleseo":"telecomnews\/short-term-lending-to-help-mobikwik-weave-in-wealth-management-and-small-investments","status":"ACTIVE","authors":[{"author_name":"Surabhi Agarwal","author_link":"\/author\/479241991\/surabhi-agarwal","author_image":"https:\/\/etimg.etb2bimg.com\/authorthumb\/479241991.cms?width=100&height=100","author_additional":{"thumbsize":false,"msid":479241991,"author_name":"Surabhi Agarwal","author_seo_name":"surabhi-agarwal","designation":"Correspondent","agency":false}}],"Alttitle":{"minfo":""},"artag":"ET Bureau","artdate":"2016-04-15 08:26:07","lastupd":"2016-04-15 08:28:59","breadcrumbTags":["NBFC","Mobikwik","Vijay Shekhar Sharma","Non Banking Finance Company","PayTM","Upasana Taku","MVAS\/Apps"],"secinfo":{"seolocation":"telecomnews\/short-term-lending-to-help-mobikwik-weave-in-wealth-management-and-small-investments"}}" data-authors="[" surabhi agarwal"]" data-category-name="" data-category_id="" data-date="2016-04-15" data-index="article_1">

Telecom乐动扑克News

短期贷款来帮助MobiKwik编织在财富管理和小的投资

MobiKwik竞争与Paytm在这个领域已经有了银行执照,计划今年8月。

Surabhi阿加瓦尔,
等局

更新于2016年4月15日08:28点坚持

新德里:数字支付公司MobiKwik,尚未收到付款银行执照从中央银行,已经开始试点扩展短期信贷的其现有客户根据他们的事务历史。这是公司的大战略的一部分来编织在财富管理和小投资并启用支付通过其钱包。

MobiKwik与这样的竞争Paytm在这个领域已经有了银行执照,计划今年8月。根据Upasana佐藤,MobiKwik,移动钱包公司制定其电力用户的列表提供了一个信用额度,可以15天内偿还。公司已与非银行业金融公司(NBFC)富勒顿和费用的利息费5%的贷款金额。

塔告诉等,公司是致力于使短期储蓄为客户和简化为他们财富管理通过减少办公室的文书工作,做金融术语。在卡片上是固定的存款和系统化的投资计划(sip)共同基金。MobiKwik目前与多家银行合作为这些产品。

“即使没有付款银行执照,我们可以做任何事,银行可以根据规范,”佐藤说。MobiKwik将唯一不能做的就是使用这个词“银行”她补充道。

今年8月,印度央行“原则上”同意了11个实体运行付款银行,包括信实工业,Airtel M商务服务,沃达丰M - pesa, Tech Mahindra和想法细胞启动子Aditya Birla Nuvo来说。其他人获得批准的申请人包括非诺Pay-Tech,部门的岗位,国家证券登记、太阳制药MD Dilip Shantilal·桑哈维,和Cholamandalam分销服务。的实体,18个月开始操作,在不同阶段的实现。

MobiKwik的竞争对手Paytm也有类似的计划推出后,其银行业务。今年2月的一次采访中,维贾伊·夏尔马,Paytm创始人告诉等银行将专注于驾驶小型储蓄对其现有的城市和半城市消费者。

公司正在考虑使用技术来创建工具帮助人们赚利息甚至Rs 500保存在他们的银行账户。Sharma说,世行将专注于储蓄和支付最初然后扩大财富管理。

发布于2016年4月15日08:26点坚持

$\"\"$ NEW DELHI: Digital payment firm MobiKwik<\/a>, which has not yet got the payment bank licence from the Central bank, has started a pilot for extending short-term credit to a select group of its existing customers based on their transaction history. This is part of the company’s larger strategy to weave in wealth management and small investments along with enabling payments through its wallet.
\n
MobiKwik<\/a> competes with the likes of Paytm<\/a> in this space which has already got a licence for a bank and plans to launch it by August this year. According to Upasana Taku<\/a>, cofounder of MobiKwik, the mobile wallet firm has drawn up a list of its power users who are offered a line of credit which can be repaid within 15 days. The company has tied up with Non Banking Finance Company<\/a> (NBFC<\/a>) Fullerton for it and charges an interest fee of 5% on the loaned amount.
\n
\nTaku told ET that the company is working on ways to enable shortterm savings for customers and simplifying wealth management for them by reducing the paperwork and doing away with the financial jargon. On cards are fixed deposits and Systematic Investment Plans (SIPs) for mutual funds. MobiKwik is currently in talks with multiple banks to partner for these offerings.
\n
\n $\"\"$
\n
\n\"Even without the payment bank licence, we can do everything that a bank will be able to under the norms,\" said Taku. The only thing which MobiKwik will not be able to do is use the word \"bank\" she added.
\n
\nIn August, the RBI gave ‘in principle’ approval to 11 entities to run payment banks, including Reliance Industries, Airtel M Commerce Services, Vodafone m-pesa, Tech Mahindra and Idea Cellular’s promoter Aditya Birla Nuvo. Others applicants that won approval include Fino Pay-Tech, Department of Posts, National Securities Depository, Sun Pharmaceuticals MD Dilip Shantilal Shanghvi, and Cholamandalam Distribution Services. The entities, which have 18 months to start operations, are in various stages of implementation.
\n
MobiKwik’s rival Paytm<\/a> also has similar plans after it rolls out its Bank operations. In an interview in February, Vijay Shekhar Sharma<\/a>, cofounder of Paytm, told ET the Bank will be focused on driving small savings for its existing urban and semi-urban consumers.
\n
\nThe company is looking at using technology to create instruments that will help people earn interest on even Rs 500 kept in their bank accounts. According to Sharma, the bank will focus on savings and payments initially and then expand to wealth management.\n\n<\/body>","next_sibling":[{"msid":51837991,"title":"Mphasis CEO promises to ensure that its decentralised leadership style survives post Blackstone deal","entity_type":"ARTICLE","link":"\/news\/mphasis-ceo-promises-to-ensure-that-its-decentralised-leadership-style-survives-post-blackstone-deal\/51837991","category_name":null,"category_name_seo":"telecomnews"}],"related_content":[],"msid":51835740,"entity_type":"ARTICLE","title":"Short-term lending to help MobiKwik weave in wealth management and small investments","synopsis":"MobiKwik competes with the likes of Paytm in this space which has already got a licence for a bank and plans to launch it by August this year.","titleseo":"telecomnews\/short-term-lending-to-help-mobikwik-weave-in-wealth-management-and-small-investments","status":"ACTIVE","authors":[{"author_name":"Surabhi Agarwal","author_link":"\/author\/479241991\/surabhi-agarwal","author_image":"https:\/\/etimg.etb2bimg.com\/authorthumb\/479241991.cms?width=100&height=100","author_additional":{"thumbsize":false,"msid":479241991,"author_name":"Surabhi Agarwal","author_seo_name":"surabhi-agarwal","designation":"Correspondent","agency":false}}],"Alttitle":{"minfo":""},"artag":"ET Bureau","artdate":"2016-04-15 08:26:07","lastupd":"2016-04-15 08:28:59","breadcrumbTags":["NBFC","Mobikwik","Vijay Shekhar Sharma","Non Banking Finance Company","PayTM","Upasana Taku","MVAS\/Apps"],"secinfo":{"seolocation":"telecomnews\/short-term-lending-to-help-mobikwik-weave-in-wealth-management-and-small-investments"}}" data-news_link="//www.iser-br.com/news/short-term-lending-to-help-mobikwik-weave-in-wealth-management-and-small-investments/51835740">

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短期贷款来帮助MobiKwik编织在财富管理和小的投资

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