NEW DELHI: Money at the speed of a message. Perhaps this is the mantra that social media companies, internet companies and even a business process outsourcer are following as they eye a slice of the 95 per cent-plus cash economy that could potentially go digital. Many of those cash transactions — like person-to-person (P2P), person-to-merchant (P2M) or consumer payments — could be done on digital platforms such as chat rooms or messaging apps. Accelerating the shift from cash to digital is the government's push for a digital payments economy with a lofty target of 25 billion such transactions this fiscal year. 新德里:钱的速度信息。也许这就是社交媒体公司的口头禅,甚至互联网公司和业务流程外包商之后,因为他们的眼睛一片95超过现金经济可能数字。其中许多现金交易,比如人际(P2P)、person-to-merchant (P2M)或消费者支付-在数字平台上可以做如聊天室或消息传递应用程序。加快从现金转移到数字是政府的推动数字支付经济交易这样的崇高目标250亿财政年度。
\n
That thrust is attracting a diverse set of tech players — none of them traditional banks—from Google<\/a>, WhatsApp<\/a> TrueCaller and Amazon<\/a>, to Hike and Quatrro BPO, among others. Quatrro, baby of BPO pioneer Raman Roy, who is also current chairman of IT lobby Nasscom, is bringing European payments platform RS2 to India (See inset box: Quatrro-From BPO to Digital Payments).
\n
\n\"Social media and internet companies are banking on their popularity and stickiness and believe that users will chat and pay on the same platform,\" says AP Hota, managing director, National Payments Corporation of India (NPCI), umbrella organisation for retail payment systems in India.
\n
Pointing to a Google-Boston Consulting Group study, B Amrish Rau, CEO, PayU India, says the digital payments industry is expected to be worth $500 billion by 2020. PayU, a payment gateway services provider to ecommerce<\/a> and other companies, recently launched a digital payments product as well.
\n
\nA large underpenetrated market makes an attractive business case for payments to ride alongside chats, images, videos, emoticons and everything else that's shared on messaging apps. The growth has been exciting, offering plenty of opportunity for new entrants.
\n
\nAccording to the NITI Aayog, digital payments surged 55 per cent in 2016-17, against a 28 per cent growth during the fiveyear period up to March 2016.
\n
\nIn March this year, TrueCaller, a spam caller identification app, launched P2P mobile payments. In January, ecommerce company Amazon launched 'pay with Amazon.' On June 20, messaging app Hike launched mobile payments.
\n
\nSoon Google will come out with a payment app that will likely have a local (Hindi) name.
\n
\nThe product is likely to be available in the next couple of months and could use the Gmail ID of users as an identifier. The
\nmost popular messaging app, WhatsApp, could launch a P2P product and India is likely to be the first country where it does.
\n
\nA Google India spokesperson said: \"We are always looking for ways to make it easy for people to pay with their mobile devices — Android Pay in some countries, for instance — and continually evaluating ways to expand those capabilities to the next billion users.\" Google did not elaborate on any specific product that it will launch in India.
\n
\nWhatsApp declined to elaborate on its plans. In an email statement, the company spokesperson said, \"Indian is an important country for WhatsApp and we are understanding how we can contribute more to the vision of Digital India.\"
\n
\nOver one-sixth of its 1.2 billion global users are in India. Payments could be a way to monetise the platform, which was acquired by Facebook in 2014 for $19 billion but is yet to make money.
\n![\"\"](\"\/\/www.iser-br.com\/Themes\/Release\/images\/responsive\/ettelecom-default.jpg\")
\nMONETISING ENGAGEMENT <\/strong>
\n\"High engagement is the key reason for social media and internet companies to offer their platforms for payments,\" says Ritesh Pai, chief digital officer, Yes Bank.
\n
\nUsers visit chat apps such as WhatsApp an average 40 time a day. In comparison, top-up recharges average just four times a month per user, movie tickets two to four time a month and ecommerce transactions six to seven times a year.
\n
\nThis makes messaging apps the best placed to add payments on their platforms — just as WeChat, a Chinese social media app, has done in China.
\n
\nA UN study revealed that in 2016, online payments platform Alipay and WeChat together enabled $2.9 trillion digital payment transactions in China, a 20-fold increase in four years.
\n
\nVivek Belgavi, leader, fintech, PricewaterhouseCoopers (PwC) India, says, \"Messaging apps have a strong engagement model. But they don't have a monetisation model. Offering products like payments, mutual funds, insurance and the like can help achieve that goal.\"
\n
\nKhushroo Panthaky, director at Grant Thornton, a consulting and advisory firm, adds, \"Any entry of a renowned social media player in digital payments will have a big impact. But much will depend on whether the product is userfriendly and makes it easy to transact.\"
\n
\nHe believes that by 2020, almost 60 per cent of bill payments could go digital. Messaging platforms could morph into payments in multiple ways—either offer single use or multiple uses or a combination of services like bill payments, P2P transfers, mobile recharge and topups.
\n
For example, Hike's payment offering is based on the Unified Payment Interface<\/a> (UPI) and is focused on mobile recharge, topups and P2P payments.
\n
\nRau of PayU India adds, \"We will see more products with 'pay' buttons on SMS and WhatsApp. Tuition teachers, gym coaches, bloggers, cupcake bakers will all use social media channels for receiving payments.\"
\n
As digital payments expand and the number of providers increases, companies such as Paytm and Mobikwik<\/a>, which made significant gains post-demonetisation, could face headwinds. \"In some segments, messaging apps will compete with digital wallet companies, particularly in areas like P2P payments,\" says Belgavi.
\n
Upasana Taku, cofounder of digital wallet MobiKwik, argues that their competition is with cash and not with messaging companies. \"New entrants are priming the ecosystem and creating awareness among users on the efficacy of using digital wallets<\/a> over cash,\" she says.
\n
\nSatyam Mehra, partner, Bain and Company, sees payments as a gateway to several potential \"profit pools\" (such as bill payment, P2M transactions). New companies are likely to be attracted to these pools. \"However, in the long run, there will be very few winners.\"
\n
\nPai of Yes Bank believes \"interoperable platforms (which allow transfer across platforms and banks) will outgrow proprietary solutions.\"
\n
\nMost experts reckon 80-90 per cent of the market share will be with two or three players as it's a high volume, low value business. For users chasing outstanding dues from friends or rent from a tenant, however, the value of a messaging platform as a money transfer engine will be high. Perhaps it's time for a 'pay up or else' emoticon.
\n
\nQuatrro: From BPO to Digital Payments<\/strong>
\nOutsourcing veteran and current Nasscom chairman Raman Roy has now set sights on digital payments for the Indian market. The Roy-founded Quatrro has entered into a pact with RS2, a European provider of card management services to expand card and digital payments in India by offering its platform for third-party use.
\n
\nSmall and mid-sized banks like Federal Bank, Development Corporation Bank (DCB), RBL, Laxmi Vilas Bank and startups in the fintech space struggle to offer a full bouquet of services including credit cards, forex cards, mobile payment options and so on.
\n
\nHigh costs in developing the infrastructure and limited marketing resources are a dampener to their efforts. No wonder card penetration in India remains low — about 30 million, that's a penetration of less than 2 per cent — and much of the cashless banking products remain out of reach of the masses.
\n
\nGurgaon headquartered Quatrro Global Business Services wants to change this by taking away the pain points for the banks. With experience of processing backend banking and financial services for more than a decade for global Fortune 50 and other banks, it has the knowhow to offer services. Its partnership with RS2 will help small banks issue cards and other financial products.
\n
\nRS2, a software provider processing 20 million transactions per hour for 160 banks globally, in a pact with Quatrro will offer payment processing solutions to banks, financial institutions and merchants on 'pay as you drink' basis. That is, institutions pay for only what they use and don't need to make upfront investments in the whole back end processing software and hardware.
\n
\nRadi Abd El Haj, CEO, RS2 says: \"Our platform supports omni-channel transactions — from cards to mobile payments. Indian market needs such third-party platforms to expand reach of digital banking.\" RS2 will provide the software while Quatrro will do the backend processing. Adds Roy, chairman-cum-managing director, Quatrro, \"The platform can be used by multiple banks. This will help expand card and digital banking base in India. We are in active discussions with several financial institutions.\"
\n
\nAlready DCB is using Quatrro platform for its forex card.\n\n<\/p><\/body>","next_sibling":[{"msid":59460319,"title":"Airtel's FY17 financial leverage under control due to Africa, tower stake sales: CLSA","entity_type":"ARTICLE","link":"\/news\/airtels-fy17-financial-leverage-under-control-due-to-africa-tower-stake-sales-clsa\/59460319","category_name":null,"category_name_seo":"telecomnews"}],"related_content":[],"seoschemas":false,"msid":59466364,"entity_type":"ARTICLE","title":"Why messaging apps may be a key prong in India's digital payments push","synopsis":"A UN study revealed that in 2016, online payments platform Alipay and WeChat together enabled $2.9 trillion digital payment transactions in China","titleseo":"telecomnews\/why-messaging-apps-may-be-a-key-prong-in-indias-digital-payments-push","status":"ACTIVE","authors":[{"author_name":"Shelley Singh","author_link":"\/author\/19505\/shelley-singh","author_image":"https:\/\/etimg.etb2bimg.com\/authorthumb\/19505.cms?width=250&height=250&imgsize=33294","author_additional":{"thumbsize":true,"msid":19505,"author_name":"Shelley Singh","author_seo_name":"shelley-singh","designation":"Senior Editor","agency":false}}],"Alttitle":{"minfo":""},"artag":"ET Bureau","artdate":"2017-07-06 08:07:54","lastupd":"2017-07-06 08:08:42","breadcrumbTags":["digital wallets","Google","Amazon","Mobikwik","Ecommerce","WhatsApp","Unified Payment Interface","MVAS\/Apps"],"secinfo":{"seolocation":"telecomnews\/why-messaging-apps-may-be-a-key-prong-in-indias-digital-payments-push"}}" data-authors="[" shelley singh"]" data-category-name="" data-category_id="" data-date="2017-07-06" data-index="article_1">
推力是吸引多样化的技术球员——它们都不是传统的进行谷歌,WhatsAppTrueCaller和亚马逊徒步旅行和Quatrro BPO,等等。Quatrro,宝贝的BPO喇曼罗伊先驱,也是现任董事长的游说行业协会将欧洲支付平台对印度卢比(见插图框:Quatrro-From BPO数字支付)。
“社交媒体和互联网公司指望他们的声望和粘性,相信用户会聊天和支付在同一平台,”美联社Hota说,董事总经理,印度国家支付公司(NPCI),伞组织在印度零售支付系统。
指着Google-Boston咨询集团的一项研究中,B Amrish劳,首席执行官PayU印度,表示数字支付行业预计将在2020年价值5000亿美元。PayU,支付网关服务提供商电子商务和其他的公司,最近推出了一个数字支付产品。
巨大的未开发市场,使一个有吸引力的支付业务案例骑除了聊天,图像,视频,表情符号和其他所有的共享消息传递应用程序。的增长令人兴奋,为新进入者提供大量的机会。
根据镍钛Aayog,电子支付在2016年上涨55%,17日对fiveyear期间增长了28%到2016年3月。
今年3月,TrueCaller,垃圾邮件调用者识别应用,推出了P2P移动支付。今年1月,电子商务公司亚马逊推出了薪酬与亚马逊。”6月20日,消息传递应用程序提高了移动支付。
谷歌很快将推出一个支付应用,可能会有一个地方(印度语)的名字。
产品可能会在未来几个月和可以使用Gmail用户ID作为标识符。的
WhatsApp,最受欢迎的消息传递应用程序可以启动一个P2P产品和印度很可能是第一个国家。
谷歌印度发言人说:“我们一直在寻找方法来方便人们支付他们的移动设备——Android支付在一些国家,例如,不断评估方法这些功能扩展到下一个十亿用户。”谷歌did not elaborate on any specific product that it will launch in India.
WhatsApp拒绝透露其计划。该公司发言人在一封电子邮件声明中说:“印度是一个重要的国家WhatsApp,我们了解我们可以作出更大贡献的愿景数字印度。”
超过六分之一的12亿年全球用户都在印度。支付可以货币化平台,Facebook在2014年以190亿美元收购但还没有赚钱。
货币化订婚
“高接触的关键原因是社交媒体和互联网公司提供的平台支付,”说:派,银行首席数字官,是的。
用户访问聊天应用程序如WhatsApp平均40时间一天。相比之下,充值充电每用户平均每月四次,电影票两到四次一个月,电子商务交易一年6到7次。
这使得消息传递应用程序添加的最佳人选支付平台——就像微信,一个中国的社交媒体应用,已经在中国完成的。
联合国的一项研究显示,在2016年,在线支付平台支付宝和微信在一起使2.9万亿美元的数字付款交易在中国,在四年内增长了20倍。
Vivek Belgavi领袖fintech普华永道(PwC)印度,说,“消息传递应用程序有强烈的参与模式。但是他们没有一个盈利模式。提供产品,如支付、共同基金、保险等可以帮助实现这一目标。”
主管Khushroo Panthaky均富,咨询及顾问公司补充说,“任何条目的一位著名的社会媒体播放器在数字支付将产生重大影响。但这在很大程度上取决于产品是否友好,便于办理。”
他认为,到2020年,近60%的账单支付数字。消息传递平台可以在多个方向演变成支付提供单个使用或多个使用或账单支付等服务的组合,P2P传输,移动充电和topups。
例如,徒步的提供基于付款统一的支付接口(UPI),是专注于移动充电,topups和P2P支付。
劳PayU印度补充道,“我们将会看到更多的产品与SMS和WhatsApp“支付”按钮。学费老师,健身教练,博客,蛋糕面包师都使用社交媒体渠道接收支付。”
随着数字支付扩大和供应商数量的增加,公司如Paytm和Mobikwikpost-demonetisation取得了很大进步,可能会面临阻力。“在某些领域,消息传递应用程序将与数字钱包公司竞争,尤其是在P2P支付等领域,“Belgavi说。
数字钱包MobiKwik Upasana佐藤,创始人,认为竞争是现金,而不是与通讯公司。“新进入者正在启动的生态系统,创造意识中用户使用的功效数字钱包在现金,”她说。
萨蒂扬,伙伴,贝恩和公司,认为支付网关几个潜在的“利润池”(如分期付款、P2M事务)。新公司有可能被吸引到这些池。“然而,从长远来看,将会有很少的赢家。”
Pai是的银行认为“互操作平台(允许转让跨平台和银行)将超过专有的解决方案。”
大多数专家认为80至80的市场份额将会有两个或三个球员的高容量,低价值的业务。为用户追逐优秀费从朋友或从租户租金,然而,一个消息传递平台的价值作为一个转账引擎将会很高。也许是时候付钱,否则的表情符号。
Quatrro:从业务流程外包到数字支付
外包经验和当前行业协会主席拉曼罗伊已经将目光转向数字支付印度市场。与平日的Roy-founded Quatrro已经进入一个协议,欧洲扩展卡和数字卡管理服务提供商支付在印度提供其平台为第三方使用。
联邦银行等中小银行,发展公司银行(DCB),家庭成员,拉克斯银行和初创公司在fintech空间努力提供一个完整的束服务包括信用卡、外汇卡,移动支付选项等等。
高成本开发基础设施和有限的营销资源是一个令人扫兴的人他们的努力。难怪卡渗透在印度仍然很低,大约3000万的普及率不到2%,无现金的银行产品大众仍然遥不可及。
古尔加翁总部Quatrro全球业务服务被剥夺了,想要改变这个痛点的银行。的经验处理后端银行和金融服务超过十年全球财富50强和其他银行,它有技术诀窍提供服务。与平日的伙伴关系将有助于小银行发行卡片和其他金融产品。
卢比,一个软件供应商处理每小时2000万个事务对全球160家银行,与Quatrro协定将向银行提供支付处理的解决方案,金融机构和商户支付你喝的基础。即机构只有所使用的服务付费,不需要进行前期的投资在整个后端处理软件和硬件。
x射线检验Abd El麦加朝圣,CEO,平日说:“我们的平台支持omni-channel事务——从卡移动支付。印度市场需要第三方平台扩大银行业的数字。”RS2 will provide the software while Quatrro will do the backend processing. Adds Roy, chairman-cum-managing director, Quatrro, "The platform can be used by multiple banks. This will help expand card and digital banking base in India. We are in active discussions with several financial institutions."
DCB已经使用Quatrro外汇卡平台。
NEW DELHI: Money at the speed of a message. Perhaps this is the mantra that social media companies, internet companies and even a business process outsourcer are following as they eye a slice of the 95 per cent-plus cash economy that could potentially go digital. Many of those cash transactions — like person-to-person (P2P), person-to-merchant (P2M) or consumer payments — could be done on digital platforms such as chat rooms or messaging apps. Accelerating the shift from cash to digital is the government's push for a digital payments economy with a lofty target of 25 billion such transactions this fiscal year.
\n
That thrust is attracting a diverse set of tech players — none of them traditional banks—from Google<\/a>, WhatsApp<\/a> TrueCaller and Amazon<\/a>, to Hike and Quatrro BPO, among others. Quatrro, baby of BPO pioneer Raman Roy, who is also current chairman of IT lobby Nasscom, is bringing European payments platform RS2 to India (See inset box: Quatrro-From BPO to Digital Payments).
\n
\n\"Social media and internet companies are banking on their popularity and stickiness and believe that users will chat and pay on the same platform,\" says AP Hota, managing director, National Payments Corporation of India (NPCI), umbrella organisation for retail payment systems in India.
\n
Pointing to a Google-Boston Consulting Group study, B Amrish Rau, CEO, PayU India, says the digital payments industry is expected to be worth $500 billion by 2020. PayU, a payment gateway services provider to ecommerce<\/a> and other companies, recently launched a digital payments product as well.
\n
\nA large underpenetrated market makes an attractive business case for payments to ride alongside chats, images, videos, emoticons and everything else that's shared on messaging apps. The growth has been exciting, offering plenty of opportunity for new entrants.
\n
\nAccording to the NITI Aayog, digital payments surged 55 per cent in 2016-17, against a 28 per cent growth during the fiveyear period up to March 2016.
\n
\nIn March this year, TrueCaller, a spam caller identification app, launched P2P mobile payments. In January, ecommerce company Amazon launched 'pay with Amazon.' On June 20, messaging app Hike launched mobile payments.
\n
\nSoon Google will come out with a payment app that will likely have a local (Hindi) name.
\n
\nThe product is likely to be available in the next couple of months and could use the Gmail ID of users as an identifier. The
\nmost popular messaging app, WhatsApp, could launch a P2P product and India is likely to be the first country where it does.
\n
\nA Google India spokesperson said: \"We are always looking for ways to make it easy for people to pay with their mobile devices — Android Pay in some countries, for instance — and continually evaluating ways to expand those capabilities to the next billion users.\" Google did not elaborate on any specific product that it will launch in India.
\n
\nWhatsApp declined to elaborate on its plans. In an email statement, the company spokesperson said, \"Indian is an important country for WhatsApp and we are understanding how we can contribute more to the vision of Digital India.\"
\n
\nOver one-sixth of its 1.2 billion global users are in India. Payments could be a way to monetise the platform, which was acquired by Facebook in 2014 for $19 billion but is yet to make money.
\n
\nMONETISING ENGAGEMENT <\/strong>
\n\"High engagement is the key reason for social media and internet companies to offer their platforms for payments,\" says Ritesh Pai, chief digital officer, Yes Bank.
\n
\nUsers visit chat apps such as WhatsApp an average 40 time a day. In comparison, top-up recharges average just four times a month per user, movie tickets two to four time a month and ecommerce transactions six to seven times a year.
\n
\nThis makes messaging apps the best placed to add payments on their platforms — just as WeChat, a Chinese social media app, has done in China.
\n
\nA UN study revealed that in 2016, online payments platform Alipay and WeChat together enabled $2.9 trillion digital payment transactions in China, a 20-fold increase in four years.
\n
\nVivek Belgavi, leader, fintech, PricewaterhouseCoopers (PwC) India, says, \"Messaging apps have a strong engagement model. But they don't have a monetisation model. Offering products like payments, mutual funds, insurance and the like can help achieve that goal.\"
\n
\nKhushroo Panthaky, director at Grant Thornton, a consulting and advisory firm, adds, \"Any entry of a renowned social media player in digital payments will have a big impact. But much will depend on whether the product is userfriendly and makes it easy to transact.\"
\n
\nHe believes that by 2020, almost 60 per cent of bill payments could go digital. Messaging platforms could morph into payments in multiple ways—either offer single use or multiple uses or a combination of services like bill payments, P2P transfers, mobile recharge and topups.
\n
For example, Hike's payment offering is based on the Unified Payment Interface<\/a> (UPI) and is focused on mobile recharge, topups and P2P payments.
\n
\nRau of PayU India adds, \"We will see more products with 'pay' buttons on SMS and WhatsApp. Tuition teachers, gym coaches, bloggers, cupcake bakers will all use social media channels for receiving payments.\"
\n
As digital payments expand and the number of providers increases, companies such as Paytm and Mobikwik<\/a>, which made significant gains post-demonetisation, could face headwinds. \"In some segments, messaging apps will compete with digital wallet companies, particularly in areas like P2P payments,\" says Belgavi.
\n
Upasana Taku, cofounder of digital wallet MobiKwik, argues that their competition is with cash and not with messaging companies. \"New entrants are priming the ecosystem and creating awareness among users on the efficacy of using digital wallets<\/a> over cash,\" she says.
\n
\nSatyam Mehra, partner, Bain and Company, sees payments as a gateway to several potential \"profit pools\" (such as bill payment, P2M transactions). New companies are likely to be attracted to these pools. \"However, in the long run, there will be very few winners.\"
\n
\nPai of Yes Bank believes \"interoperable platforms (which allow transfer across platforms and banks) will outgrow proprietary solutions.\"
\n
\nMost experts reckon 80-90 per cent of the market share will be with two or three players as it's a high volume, low value business. For users chasing outstanding dues from friends or rent from a tenant, however, the value of a messaging platform as a money transfer engine will be high. Perhaps it's time for a 'pay up or else' emoticon.
\n
\nQuatrro: From BPO to Digital Payments<\/strong>
\nOutsourcing veteran and current Nasscom chairman Raman Roy has now set sights on digital payments for the Indian market. The Roy-founded Quatrro has entered into a pact with RS2, a European provider of card management services to expand card and digital payments in India by offering its platform for third-party use.
\n
\nSmall and mid-sized banks like Federal Bank, Development Corporation Bank (DCB), RBL, Laxmi Vilas Bank and startups in the fintech space struggle to offer a full bouquet of services including credit cards, forex cards, mobile payment options and so on.
\n
\nHigh costs in developing the infrastructure and limited marketing resources are a dampener to their efforts. No wonder card penetration in India remains low — about 30 million, that's a penetration of less than 2 per cent — and much of the cashless banking products remain out of reach of the masses.
\n
\nGurgaon headquartered Quatrro Global Business Services wants to change this by taking away the pain points for the banks. With experience of processing backend banking and financial services for more than a decade for global Fortune 50 and other banks, it has the knowhow to offer services. Its partnership with RS2 will help small banks issue cards and other financial products.
\n
\nRS2, a software provider processing 20 million transactions per hour for 160 banks globally, in a pact with Quatrro will offer payment processing solutions to banks, financial institutions and merchants on 'pay as you drink' basis. That is, institutions pay for only what they use and don't need to make upfront investments in the whole back end processing software and hardware.
\n
\nRadi Abd El Haj, CEO, RS2 says: \"Our platform supports omni-channel transactions — from cards to mobile payments. Indian market needs such third-party platforms to expand reach of digital banking.\" RS2 will provide the software while Quatrro will do the backend processing. Adds Roy, chairman-cum-managing director, Quatrro, \"The platform can be used by multiple banks. This will help expand card and digital banking base in India. We are in active discussions with several financial institutions.\"
\n
\nAlready DCB is using Quatrro platform for its forex card.\n\n<\/p><\/body>","next_sibling":[{"msid":59460319,"title":"Airtel's FY17 financial leverage under control due to Africa, tower stake sales: CLSA","entity_type":"ARTICLE","link":"\/news\/airtels-fy17-financial-leverage-under-control-due-to-africa-tower-stake-sales-clsa\/59460319","category_name":null,"category_name_seo":"telecomnews"}],"related_content":[],"seoschemas":false,"msid":59466364,"entity_type":"ARTICLE","title":"Why messaging apps may be a key prong in India's digital payments push","synopsis":"A UN study revealed that in 2016, online payments platform Alipay and WeChat together enabled $2.9 trillion digital payment transactions in China","titleseo":"telecomnews\/why-messaging-apps-may-be-a-key-prong-in-indias-digital-payments-push","status":"ACTIVE","authors":[{"author_name":"Shelley Singh","author_link":"\/author\/19505\/shelley-singh","author_image":"https:\/\/etimg.etb2bimg.com\/authorthumb\/19505.cms?width=250&height=250&imgsize=33294","author_additional":{"thumbsize":true,"msid":19505,"author_name":"Shelley Singh","author_seo_name":"shelley-singh","designation":"Senior Editor","agency":false}}],"Alttitle":{"minfo":""},"artag":"ET Bureau","artdate":"2017-07-06 08:07:54","lastupd":"2017-07-06 08:08:42","breadcrumbTags":["digital wallets","Google","Amazon","Mobikwik","Ecommerce","WhatsApp","Unified Payment Interface","MVAS\/Apps"],"secinfo":{"seolocation":"telecomnews\/why-messaging-apps-may-be-a-key-prong-in-indias-digital-payments-push"}}" data-news_link="//www.iser-br.com/news/why-messaging-apps-may-be-a-key-prong-in-indias-digital-payments-push/59466364">
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