独家
UPI市场份额上限不是一个好主意:PhonePe
8月,UPI看到16亿支付和今年预计将进一步增长。
-
BSNL-ZTE 1000卢比涉嫌诈骗:德里HC对官员指导BSNL发起部门行动
法院的命令而来处理请求,据称,BSNL官员涉嫌造成损失约1000卢比的大臣通过释放未经授权付款的子公司一家中国公司通过伪造文件。
-
-
-
班加罗尔:监管机构最终只需要扭转提议限制市场份额的统一的支付接口(UPI)在其目前的形式由个人支付第三方应用程序。这是因为它不会对公司进一步投资,如果他们得到惩罚有更多的客户,尤其是当它不发生在任何其他银行产品,说PhonePe联合创始人兼首席执行官Sameer尼噶的。
Walmart-owned PhonePe是第二大UPI应用后以35%的市场份额谷歌支付。尼噶的言论,在钢铁洪流独家采访,之际,印度的国家支付公司(NPCI)正在提议限制单个应用程序的市场份额。的一年级限制最大份额将是2021年3月的50%。没有领先的UPI应用附近的标志,但这是一个紧迫的问题稳步上升UPI支付加速的大流行。8月,UPI看到16亿支付和今年预计将进一步增长。long-pending条目WhatsApp薪酬可能会加速。
“零商人贴现率,或者MDR,很多小公司都步行去签证,万事达卡或电子钱包。唯一留下的,具有讽刺意味的是,那些有兴趣玩的游戏。为什么会有人玩游戏当你知道领导的类别会让你受到惩罚?我从来没有见过在我的生命中。RuPay签证,万事达卡,电子钱包,小鬼,银行或银行UPI没有(市场份额上限),”尼噶的说。
根据他的说法,PhonePe已经绑定了多个地方性法规,包括本地化和审计。“如果你是完全兼容的,为什么规则不同的仅仅因为你应用程序的球员吗?UPI的整体思想是一个开放的应用程序编程接口(API)架构,无能为力了。
管理UPI NPCI,尚未对顶级球员的标准是什么引发了限制市场份额进一步措施之后,如果一个应用程序超过极限。据初步建议,市场份额上限将从2023年开始逐步降低到30%。
Walmart-owned PhonePe是第二大UPI应用后以35%的市场份额谷歌支付。尼噶的言论,在钢铁洪流独家采访,之际,印度的国家支付公司(NPCI)正在提议限制单个应用程序的市场份额。的一年级限制最大份额将是2021年3月的50%。没有领先的UPI应用附近的标志,但这是一个紧迫的问题稳步上升UPI支付加速的大流行。8月,UPI看到16亿支付和今年预计将进一步增长。long-pending条目WhatsApp薪酬可能会加速。
“零商人贴现率,或者MDR,很多小公司都步行去签证,万事达卡或电子钱包。唯一留下的,具有讽刺意味的是,那些有兴趣玩的游戏。为什么会有人玩游戏当你知道领导的类别会让你受到惩罚?我从来没有见过在我的生命中。RuPay签证,万事达卡,电子钱包,小鬼,银行或银行UPI没有(市场份额上限),”尼噶的说。
管理UPI NPCI,尚未对顶级球员的标准是什么引发了限制市场份额进一步措施之后,如果一个应用程序超过极限。据初步建议,市场份额上限将从2023年开始逐步降低到30%。
BENGALURU: Regulators eventually just have to reverse the proposal of capping market share on the Unified Payments Interface<\/a> (UPI) in its current form by individual third-party payments apps. That is because it would not make sense for companies to invest further if they get penalised for having more customers, especially when it doesn't happen with any other banking products, said PhonePe<\/a>'s co-founder and CEO Sameer Nigam<\/a>.
Walmart-owned PhonePe is the second-largest UPI app with a 35% market share after Google Pay<\/a>. Nigam's comments, during an exclusive interview to TOI, come at a time when the National Payments Corporation of India (NPCI<\/a>) is working on the proposal to limit the market share an individual app can have. The first-year limit for the maximum share would be 50% as of March 2021. None of the leading UPI apps are near the mark yet, but it has been a pressing issue with the steady rise in UPI payments accelerated by the pandemic. In August, UPI saw 1.6 billion payments and it's expected to grow further this year. The long-pending entry of WhatsApp Pay could accelerate that.
\"With zero merchant discount rate, or MDR, a lot of smaller players are walking away to Visa, Mastercard or e-wallets. The only people left behind here, ironically, are those who have an appetite to play the long game. Why would anyone play in a game when you know that leadership of the category is going to get you punished? I have never seen this in my life. RuPay<\/a>, Visa, Mastercard, e-wallets, IMPS, banking or banks on UPI don't have it (market share caps),\" said Nigam.
Walmart-owned PhonePe is the second-largest UPI app with a 35% market share after Google Pay<\/a>. Nigam's comments, during an exclusive interview to TOI, come at a time when the National Payments Corporation of India (NPCI<\/a>) is working on the proposal to limit the market share an individual app can have. The first-year limit for the maximum share would be 50% as of March 2021. None of the leading UPI apps are near the mark yet, but it has been a pressing issue with the steady rise in UPI payments accelerated by the pandemic. In August, UPI saw 1.6 billion payments and it's expected to grow further this year. The long-pending entry of WhatsApp Pay could accelerate that.
\"With zero merchant discount rate, or MDR, a lot of smaller players are walking away to Visa, Mastercard or e-wallets. The only people left behind here, ironically, are those who have an appetite to play the long game. Why would anyone play in a game when you know that leadership of the category is going to get you punished? I have never seen this in my life. RuPay<\/a>, Visa, Mastercard, e-wallets, IMPS, banking or banks on UPI don't have it (market share caps),\" said Nigam.
<\/div><\/div>According to him, PhonePe is already bound by multiple local regulations, including localisation and audits. \"If you are fully compliant, why are the rules different just because you are the application player? The whole idea of UPI was an open application programming interface (API) architecture,\" Nigam added.
NPCI, which manages UPI, hasn't yet told the top players what the criteria would be for triggering a limit on market share and what further steps will be followed, in case an app surpasses the limit. According to early proposals, the market share limit would gradually be lowered to 30% from 2023 onwards.
<\/div><\/div>
NPCI, which manages UPI, hasn't yet told the top players what the criteria would be for triggering a limit on market share and what further steps will be followed, in case an app surpasses the limit. According to early proposals, the market share limit would gradually be lowered to 30% from 2023 onwards.
<\/div><\/div>
Follow and connect with us on Twitter<\/a>, Facebook<\/a>, Linkedin<\/a>, Youtube<\/a><\/div>","NumberOfSentences":{"minfo":"18.0","minfoseo":"18-0"},"AutomatedReadabilityIndex":{"minfo":"14.0","minfoseo":"14-0"},"LastPublishMilliTime":{"minfo":"1600053080717","minfoseo":"1600053080717"},"ReadabilityGradeLevel":{"minfo":"College","minfoseo":"college"},"GadgetsMarkedReviewed":{"minfo":"0","minfoseo":"0"},"HashCode":{"minfo":"1000488110","minfoseo":"1000488110"},"latestnewsflag":{"minfo":"1.0","minfoseo":"1-0"},"canonicalURL":{"minfo":"https:\/\/timesofindia.indiatimes.com\/business\/india-business\/upi-mkt-share-cap-not-a-good-idea-phonepe\/articleshow\/78096244.cms","minfoseo":"https\/timesofindia-indiatimes-com\/business\/india-business\/upi-mkt-share-cap-not-a-good-idea-phonepe\/articleshow\/78096244-cms"},"NumberOfCharacters":{"minfo":"2199.0","minfoseo":"2199-0"},"NumberOfWords":{"minfo":"368.0","minfoseo":"368-0"},"key":{"0":{"keyid":"6357886","value":"phonepe","smid":"0","keynameseo":"phonepe","keytype":"","keycount":"totalcount","weightage":"100"},"1":{"keyid":"9933216","value":"UPI market share cap","smid":"0","keynameseo":"UPI-market-share-cap","keytype":"","keycount":"totalcount","weightage":"20"},"2":{"keyid":"2736678","value":"Unified payments interface","smid":"0","keynameseo":"Unified-payments-interface","keytype":"","keycount":"totalcount","weightage":"20"},"3":{"keyid":"6518849","value":"sameer nigam","smid":"0","keynameseo":"sameer-nigam","keytype":"","keycount":"totalcount","weightage":"20"},"4":{"keyid":"597447","value":"Rupay","smid":"0","keynameseo":"Rupay","keytype":"","keycount":"totalcount","weightage":"20"},"5":{"keyid":"193629","value":"NPCI","smid":"0","keynameseo":"NPCI","keytype":"","keycount":"totalcount","weightage":"20"},"7":{"keyid":"2750705","value":"Google Pay","smid":"0","keynameseo":"Google-Pay","keytype":"","keycount":"totalcount","weightage":"20"}},"authorsplit":{"author":{"artau":"Digbijay Mishra","aunameseo":"digbijay-mishra","artauid":"479221599","artauemail":"digbijay.mishra@timesgroup.com","auFullName":"Digbijay Mishra","pubname":"TOI","designame":"Correspondent","auagencyid":"87654367","auagencyname":"TNN","autype":"GENERAL"}},"similarlytagged":[{"msid":"97924556","stname":"PhonePe raises USD 100 mn in additional funding at USD 12 billion valuation","artsyn":"\"PhonePe started its latest fundraise with a target of raising up to USD 1 billion in capital, post its domicile shift to India. With this second tranche, it has already raised USD 450 million within six weeks from leading investors. The company expects further investments from leading global, as well as prominent high net worth Indian investors in due course,\" it said in a statement.","seolocation":"telecomnews\/phonepe-raises-usd-100-mn-in-additional-funding-at-usd-12-billion-valuation","seolocationalt":"PhonePe raises USD 100 mn in additional funding at USD 12 billion valuation","url_seo":"phonepe-raises-usd-100-mn-in-additional-funding-at-usd-12-billion-valuation"},{"msid":"97632452","stname":"UPI Lite on Paytm, PhonePe soon for smaller epayments","artsyn":"In September last year, Reserve Bank of India governor Shaktikanta Das launched UPI Lite to make low-value UPI payments faster and simpler.","seolocation":"telecomnews\/upi-lite-on-paytm-phonepe-soon-for-smaller-epayments","seolocationalt":"UPI Lite on Paytm, PhonePe soon for smaller epayments","url_seo":"upi-lite-on-paytm-phonepe-soon-for-smaller-epayments"},{"msid":"97156168","stname":"PhonePe raises $350 million funding from General Atlantic at $12 billion pre-money valuation","artsyn":"While the primary fundraising is estimated to be $1 billion in size, a secondary share sale will take the total financing to a range of $1.5\u2013$2 billion.","seolocation":"telecomnews\/phonepe-raises-350-million-funding-from-general-atlantic-at-12-billion-pre-money-valuation","seolocationalt":"PhonePe raises $350 million funding from General Atlantic at $12 billion pre-money valuation","url_seo":"phonepe-raises-350-million-funding-from-general-atlantic-at-12-billion-pre-money-valuation"},{"msid":"96778636","stname":"IndusOS, MapmyIndia back CCI verdict as Google alleges failure to conduct 'impartial' investigation","artsyn":"IndusOS came out in support of the CCI's verdict on Google after the search giant cast aspersions on the antitrust regulator\u2019s investigation in its petition challenging the verdict in the NCLAT.","seolocation":"telecomnews\/indusos-mapmyindia-back-cci-verdict-as-google-alleges-failure-to-conduct-impartial-investigation","seolocationalt":"IndusOS, MapmyIndia back CCI verdict as Google alleges failure to conduct 'impartial' investigation","url_seo":"indusos-mapmyindia-back-cci-verdict-as-google-alleges-failure-to-conduct-impartial-investigation"},{"msid":"96750878","stname":"Govt may land $1 billion in taxes from PhonePe\u2019s India shift, new raise","artsyn":"This is due a long-term capital gains tax payout that will be made to the government as PhonePe is raising fresh capital from investors at a higher valuation","seolocation":"telecomnews\/govt-may-land-1-billion-in-taxes-from-phonepes-india-shift-new-raise","seolocationalt":"Govt may land $1 billion in taxes from PhonePe\u2019s India shift, new raise","url_seo":"govt-may-land-1-billion-in-taxes-from-phonepes-india-shift-new-raise"},{"msid":"96723806","stname":"NCLAT to hear Google's appeal against CCI order on Wednesday","artsyn":"A person familiar with the matter said that at the time of filing the appeal, Google was optimistic that the NCLAT will take into account the challenge Android stakeholders will face if a stay is not granted, pending the outcome of the appeal.","seolocation":"telecomnews\/nclat-to-hear-googles-appeal-against-cci-order-on-wednesday","seolocationalt":"NCLAT to hear Google's appeal against CCI order on Wednesday","url_seo":"nclat-to-hear-googles-appeal-against-cci-order-on-wednesday"},{"msid":"95945166","stname":"India extends deadline to levy cap on digital payment transactions","artsyn":"The NPCI had said in late 2020 that payment firms will not be allowed to process more than 30% of the total volume of transactions on UPI from Jan 1.","seolocation":"telecomnews\/india-extends-deadline-to-levy-cap-on-digital-payment-transactions","seolocationalt":"India extends deadline to levy cap on digital payment transactions","url_seo":"india-extends-deadline-to-levy-cap-on-digital-payment-transactions"},{"msid":"94631003","stname":"PhonePe shifts headquarters from Singapore to India","artsyn":"The fintech firm has moved businesses and subsidiaries of PhonePe Singapore, including its insurance broking services and wealth broking services, to PhonePe Pvt Ltd - India.","seolocation":"telecomnews\/phonepe-shifts-headquarters-from-singapore-to-india","seolocationalt":"PhonePe shifts headquarters from Singapore to India","url_seo":"phonepe-shifts-headquarters-from-singapore-to-india"},{"msid":"93285982","stname":"PhonePe complains against Paytm employees for burning QR codes","artsyn":"In a complaint filed on July 29 with the Surajpur Lakhnawali police station in the Greater Noida area, PhonePe has alleged that \u201cthese actions may form a part of a larger conspiracy to malign the reputation\u201d of the company and to cause \u201cfurther financial losses.\u201d","seolocation":"telecomnews\/phonepe-complains-against-paytm-employees-for-burning-qr-codes","seolocationalt":"PhonePe complains against Paytm employees for burning QR codes","url_seo":"phonepe-complains-against-paytm-employees-for-burning-qr-codes"},{"msid":"93211877","stname":"PhonePe reaches amicable settlement with Affle Global to acquire OSLabs","artsyn":"PhonePe, AGPL and OSLabs have reached an amicable settlement in the matter, with PhonePe acquiring AGPL's entire stake at a premium.","seolocation":"telecomnews\/phonepe-reaches-amicable-settlement-with-affle-global-to-acquire-oslabs","seolocationalt":"PhonePe reaches amicable settlement with Affle Global to acquire OSLabs","url_seo":"phonepe-reaches-amicable-settlement-with-affle-global-to-acquire-oslabs"},{"msid":"93152767","stname":"Recharging mobile to cost more on Paytm, PhonePe as they start levying platform fee","artsyn":"If you are habitual of doing mobile recharge via Paytm and PhonePe app, then get ready to shell out more. This is because these payment apps have started levying 'platform fee' for doing the transactions on these apps. Read on to know how much you will be charged for doing financial transactions on this platform.","seolocation":"telecomnews\/recharging-mobile-to-cost-more-on-paytm-phonepe-as-they-start-levying-platform-fee","seolocationalt":"Recharging mobile to cost more on Paytm, PhonePe as they start levying platform fee","url_seo":"recharging-mobile-to-cost-more-on-paytm-phonepe-as-they-start-levying-platform-fee"},{"msid":"92797874","stname":"Wary of Google Pay, PhonePe's duopoly in UPI market, MPs to raise issue in Parliament","artsyn":"Together Google Pay, PhonePe, and Paytm have close to 96% of the market share.","seolocation":"telecomnews\/wary-of-google-pay-phonepes-duopoly-in-upi-market-mps-to-raise-issue-in-parliament","seolocationalt":"Wary of Google Pay, PhonePe's duopoly in UPI market, MPs to raise issue in Parliament","url_seo":"wary-of-google-pay-phonepes-duopoly-in-upi-market-mps-to-raise-issue-in-parliament"},{"msid":"92515148","stname":"75% of India\u2019s top 100 Android apps contain security risks: Report","artsyn":"42% of the apps had insufficient transport layer protection which happens when data is sent from the mobile app to the server over unsecured channels","seolocation":"telecomnews\/75-of-indias-top-100-android-apps-contain-security-risks-report","seolocationalt":"75% of India\u2019s top 100 Android apps contain security risks: Report","url_seo":"75-of-indias-top-100-android-apps-contain-security-risks-report"},{"msid":"92490502","stname":"India saw 9.36 bn transactions worth Rs 10.2 tn in Q1 2022, UPI leads","artsyn":"The UPI P2M (person to merchant) transactions emerged as the most preferred payment mode among consumers with a market share of 64 per cent in volume and 50 per cent in terms of value, according to the report by Worldline, a global leader in payments industry.","seolocation":"telecomnews\/india-saw-9-36-bn-transactions-worth-rs-10-2-tn-in-q1-2022-upi-leads","seolocationalt":"India saw 9.36 bn transactions worth Rs 10.2 tn in Q1 2022, UPI leads","url_seo":"india-saw-9-36-bn-transactions-worth-rs-10-2-tn-in-q1-2022-upi-leads"},{"msid":"92241918","stname":"PhonePe prepping for IPO; seeks valuation of $8-10 billion","artsyn":"Also, the company has initiated plans to move its registered holding entity from Singapore to India, underlining its 'made in India' credentials. PhonePe's board has already ratified the proposal to move the holding company to India.","seolocation":"telecomnews\/phonepe-prepping-for-ipo-seeks-valuation-of-8-10-billion","seolocationalt":"PhonePe prepping for IPO; seeks valuation of $8-10 billion","url_seo":"phonepe-prepping-for-ipo-seeks-valuation-of-8-10-billion"},{"msid":"92026963","stname":"UPI apps may get more time to adhere to 30% cap on market share","artsyn":"In a recent letter to the Reserve Bank of India, the nodal agency has suggested that payment apps be allowed an additional two years to cap market share on the Unified Payment Interface (UPI), according to one person cited above.","seolocation":"telecomnews\/upi-apps-may-get-more-time-to-adhere-to-30-cap-on-market-share","seolocationalt":"UPI apps may get more time to adhere to 30% cap on market share","url_seo":"upi-apps-may-get-more-time-to-adhere-to-30-cap-on-market-share"},{"msid":"91957511","stname":"India\u2019s digital payment industry to reach $10 trillion by 2026: PhonePe-BCG report","artsyn":"The emergence of embedded payments via 5G and the Internet of Things (IoT), and the launch of India\u2019s sovereign Digital Rupee are together expected to provide further impetus, as per the findings.","seolocation":"telecomnews\/indias-digital-payment-industry-to-reach-10-trillion-by-2026-phonepe-bcg-report","seolocationalt":"India\u2019s digital payment industry to reach $10 trillion by 2026: PhonePe-BCG report","url_seo":"indias-digital-payment-industry-to-reach-10-trillion-by-2026-phonepe-bcg-report"},{"msid":"91113534","stname":"As dispute settles, Affle\u2019s Anuj Khanna Sohum to join Indus OS board","artsyn":"In a statement, AGPL said that it nominated Anuj Khanna Sohum to be a non-executive director on the board of OSlabs and his appointment was confirmed by \u2018unanimous vote of all the investor directors and founder directors of Indus OS\u2019","seolocation":"telecomnews\/as-dispute-settles-affles-anuj-khanna-sohum-to-join-indus-os-board","seolocationalt":"As dispute settles, Affle\u2019s Anuj Khanna Sohum to join Indus OS board","url_seo":"as-dispute-settles-affles-anuj-khanna-sohum-to-join-indus-os-board"},{"msid":"90833063","stname":"PhonePe and Affle Global to settle IndusOS dispute","artsyn":"This comes as ET broke the news on April 13, on a senior judge of the Singapore High Court dismissing at least two appeals filed by Affle, a shareholder of Indus OS, which challenged the acquisition of the Bengaluru-based startup by Walmart and Flipkart-owned PhonePe after a term sheet for the acquisition was signed.","seolocation":"telecomnews\/phonepe-and-affle-global-to-settle-indusos-dispute","seolocationalt":"PhonePe and Affle Global to settle IndusOS dispute","url_seo":"phonepe-and-affle-global-to-settle-indusos-dispute"},{"msid":"90827650","stname":"PhonePe says it clocked 100 million transactions in a day for the first time","artsyn":"The company said it processes more than 2.5 billion transactions a month and has 165 million monthly active users.","seolocation":"telecomnews\/phonepe-says-it-clocked-100-million-transactions-in-a-day-for-the-first-time","seolocationalt":"PhonePe says it clocked 100 million transactions in a day for the first time","url_seo":"phonepe-says-it-clocked-100-million-transactions-in-a-day-for-the-first-time"}],"primeid":0,"storytags":{"categoryTag":{"sectionid":"49830939","sectionname":"TelecomNews","seolocation":"telecomnews","seolocationalt":"telecomnews"},"otherTags":[{"keyid":"6357886","value":"phonepe","smid":"0","keynameseo":"phonepe","keytype":"","keycount":"totalcount","weightage":"100"},{"keyid":"9933216","value":"UPI market share cap","smid":"0","keynameseo":"UPI-market-share-cap","keytype":"","keycount":"totalcount","weightage":"20"},{"keyid":"2736678","value":"Unified payments interface","smid":"0","keynameseo":"Unified-payments-interface","keytype":"","keycount":"totalcount","weightage":"20"},{"keyid":"6518849","value":"sameer nigam","smid":"0","keynameseo":"sameer-nigam","keytype":"","keycount":"totalcount","weightage":"20"},{"keyid":"597447","value":"Rupay","smid":"0","keynameseo":"Rupay","keytype":"","keycount":"totalcount","weightage":"20"},{"keyid":"193629","value":"NPCI","smid":"0","keynameseo":"NPCI","keytype":"","keycount":"totalcount","weightage":"20"},{"keyid":"3140800","value":"MVAS\/Apps","smid":"0","keynameseo":"(MVAS\/Apps)","keytype":"","keycount":"totalcount","weightage":"20"},{"keyid":"2750705","value":"Google Pay","smid":"0","keynameseo":"Google-Pay","keytype":"","keycount":"totalcount","weightage":"20"}],"filterTags":[]},"formattedTags":{"companyTags":[],"otherTags":[{"name":"Unified payments interface"},{"name":"UPI market share cap"},{"name":"sameer nigam"},{"name":"Google Pay"},{"name":"MVAS\/Apps"},{"name":"phonepe"},{"name":"Rupay"},{"name":"NPCI"}],"newsCategoryTags":[{"name":"TelecomNews","seolocation":"telecomnews"}],"breadcrumbTags":["phonepe","UPI market share cap","Unified payments interface","sameer nigam","Rupay","NPCI","MVAS\/Apps","Google Pay"],"filterTags":[]},"breadcrumbTags":["phonepe","UPI market share cap","Unified payments interface","sameer nigam","Rupay","NPCI","MVAS\/Apps","Google Pay"],"Alttitle":{"minfo":""},"Altdescription":{"minfo":""},"amp_url":"\/\/www.iser-br.com\/amp\/news\/upi-market-share-cap-not-a-good-idea-phonepe\/78098026"}" data-news-images="null" data-newsletter-by="0" data-newsletter-date="a" data-hasbottomcarousel="" data-alldetailsopen="0" data-multipleanalyticshit="" data-deeplink="https://ettelecom.app.link?$deeplink_path=" data-socialshareformat="default">
