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G A U R A N G I S I N K A R P T 11
M I T H I L J O L I YA Q A 1 4
G A U R AV I R A U T Q A 0 8
H I M A N S H U Z A D E Q A...
SUCCESS STORY OF PAYTM- THE
MAN HIMSELF!
DEMONETIZATION
DREAM
16 LACS
OR DREAM ?
VIJAY SHEKHAR
• Venture – www.indiasite.net
• Living media – www.indiadecides.com
• XS corporation
• Intersolutions India Pvt Ltd
Established in 2001.
Inspired by BSNL enquiry no 197.
3 months efforts – telecom directory
Cofounder left him
Approached A...
• Smartphones becoming popular
• Experimenting with 3 basis internet content,
advertising, commerce.
• Big eureka moment i...
HOW IT STARTED..
launched in
2010
launched in
2012
launched in
2014
2015
RATAN TATA backs
Paytm
Funding from Alipay
financial
8TH NOVEMBER 2016 - DEMONETIZATION
Paytm Karo – goes viral
WITHIN 5 DAYS…
• Launched Paytm Nearby
• Introduced Paytm.com/business, and a new
Merchant Hotline where they could give a...
ONLINE ADS – REAL LIFE SITUATIONS
PAYTM BANKS - 2017
• Paytm gets RBI approval for payments bank
Payments banks can accept deposits from
individuals and sma...
COMPETITORS
AIRTEL MONEY
MERCHANTS ASSOCIATED WITH PAYTM
WHAT MAKES PAYTM STAND OUT ?
• Services offered by Paytm – everyone has a
distinctive taste of his own & Paytm offers what...
ATTRACTING NEW USERS
Paytm offers – 1st time user
Tempts a person – to create a account
PAYTM IDENTITY
Vision
“Provide Meaningful Access for mobile eco-system”
Mission
“ To be the most trusted mobile commerce b...
PAYTM WALLET WHATS THAT ?
“ A secure digital wallets that lets you manage
your money , recharges, paybills, shop on Paytm
...
ASSOCIATIONS
GO
CASHLE
SS
INSTANT
PAYMENT
CONVENIEN
CE
MOBILE
WALLETIPL DEMONETISATIO
N
CASHBACK
OFFERS
INNOVATIV
E
WHAT’S UP WITH BRAND NAME & LOGO?
Brand name : suggestive - of benefit
Liquid Design has been working as
communications de...
COLOUR
Professionalism
Success
Trust
JINGLE
Paytm karo…
BRANDVALUE
1.5 Billion US $
POSITIONING
• Paytm Promotes Itself As An Alternative To Money
• No hard cash, just Paytm.
• Single digital window for all...
Partnerships
AWARDS&ACCOLADES
2014 – Paytm app is a finalist at the international
Meffys in consumer Trust category
2014 –Paytm is Gold...
2013- Paytm Wins Knowledge Faber Best Mobile
Wallet Program awards
2013- Paytm Wins a special mention in mBillionth
Awards...
2011- ‘Best VAS Innovative Product’ for One97’s Product
TalkMe – ET Telecom Awards
2011- Finalist in mBillionth award Sout...
PayPal vs. Paytm :trademark
infringement
• PayPal is one of the world's largest Internet
payment companies
• Established in 1998 California-based PayPal,
founded b...
• The Californian-based company, PayPal, has explicitly
accused Paytm of using a logo that was "deceptively
and confusingl...
The first syllable in each mark is in dark blue
colour and second syllable is in light blue
colour. Further both marks beg...
PAYTM’S CHINESE OWNERSHIP
PAYTM’S CHINESE OWNERSHIP
• This criticism over ownership, circulated widely
through instant messaging apps, sought to pic...
• Paytm founder and chief executive Vijay Shekhar
Sharma has asserted that his company is "as
Indian as Maruti" and prides...
• After the government
announced the demonetisation
decision on November 8,
Paytm issued an
advertisement welcoming the
mo...
CRITICISM FROM POLITICS
• West Bengal CM Mamata Banerjee had said,
“India’s prime minister has become a salesman
for a com...
WHATSAPP MESSAGE ABOUT TO STOP WORKING
FROM JANUARY 15 IS A HOAX
The message spreading states
that if you have money in yo...
FUTURE HOLD FOR PAYTM
Paytm MAKES THE MOST OF
DEMONETISATION, IS ON ITS WAY TO
PROCESS RS 24,000CR IN TRANSACTIONS
• Digital mobile payments com...
KIRAN VASIREDDY, SENIOR VICE PRESIDENT
• Owing to the overwhelming response from consumers and
merchants alike, we have se...
• Currently, close to 8,50,000 offline merchants across
India accept Paytm including merchant segments
involving taxis, au...
The hoax message claims that
since Paytm is converting into a
payments bank post January 15,
users will not be able to tra...
HERE’S WHAT WILL HAPPEN TO YOUR
PAYTM WALLET AS IT MERGES WITH ITS
PAYMENT BANK
"This is just a transfer of ownership of w...
HOW WILL VIJAY SHEKHAR SHARMA’S
PAYMENTS BANK REALLY MAKE MONEY?
• It was reported that the Paytm founder has sold one per...
• It also announced leveraging the power of Unified Payments
Interface (UPI), which will allow Paytm Payments Bank’s
custo...
• Lovkesh Kapoor, Head of Investment Banking at Client
Associates, a private banking and wealth management
firm, says,
• L...
ALIBABA LIKELY TO ENTER INDIAN MARKET
SOON WITH FRESH FUNDING OF RS 1,700
CRORE TO PAYTM
• Alibaba, world's largest ecomme...
PAYTM VANISHES FROM THE APPLE APP STORE
• latest instance of cracking under pressure has come in the
form of a mysterious ...
BARRIERS.......
First: bank costs
Second: heavy advertising costs for customer acquisition
Third: not so profitable mercha...
TO BOOST DIGITAL TRANSACTION, NITI AAYOG
INTRODUCES DAILY, WEEKLY AND MEGA AWARDS
SCHEMES FOR USERS
• There will be 7,000 ...
“I don’t need to sleep, I am living
the dream”
Lovkesh Kapoor, Head of Investment Banking at
Client Associates, says that,
There might be a slight twist to things and I ...
THANK YOU....
#PAYTM KARO
Paytm
Paytm
Paytm
Paytm
Paytm
Paytm
Paytm
Paytm
Paytm
Paytm
Paytm
Paytm
Paytm
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  1. 1. G A U R A N G I S I N K A R P T 11 M I T H I L J O L I YA Q A 1 4 G A U R AV I R A U T Q A 0 8 H I M A N S H U Z A D E Q A 1 3
  2. 2. SUCCESS STORY OF PAYTM- THE MAN HIMSELF! DEMONETIZATION DREAM 16 LACS OR DREAM ? VIJAY SHEKHAR
  3. 3. • Venture – www.indiasite.net • Living media – www.indiadecides.com • XS corporation • Intersolutions India Pvt Ltd
  4. 4. Established in 2001. Inspired by BSNL enquiry no 197. 3 months efforts – telecom directory Cofounder left him Approached Airtel – VAS as Live Astrology Suffered loss of 11 lacs 2001-2002
  5. 5. • Smartphones becoming popular • Experimenting with 3 basis internet content, advertising, commerce. • Big eureka moment in 2010 • Piched the idea of entering payment ecosystem in front of his board • Launch of Paytm– online recharge portal • Paytm – PAY THROUGH MOBILE
  6. 6. HOW IT STARTED.. launched in 2010 launched in 2012 launched in 2014
  7. 7. 2015 RATAN TATA backs Paytm Funding from Alipay financial
  8. 8. 8TH NOVEMBER 2016 - DEMONETIZATION Paytm Karo – goes viral
  9. 9. WITHIN 5 DAYS… • Launched Paytm Nearby • Introduced Paytm.com/business, and a new Merchant Hotline where they could give a missed call or drop a WhatsApp message. • Made the Paytm Android app available in 10 regional languages • Hindi ,Tamil ,Telugu ,Gujarati ,Marathi ,Benjali ,Kannada ,Malayalum ,Oriya ,Punjabi
  10. 10. ONLINE ADS – REAL LIFE SITUATIONS
  11. 11. PAYTM BANKS - 2017 • Paytm gets RBI approval for payments bank Payments banks can accept deposits from individuals and small businesses of up to Rs 1 lakh per account.
  12. 12. COMPETITORS
  13. 13. AIRTEL MONEY
  14. 14. MERCHANTS ASSOCIATED WITH PAYTM
  15. 15. WHAT MAKES PAYTM STAND OUT ? • Services offered by Paytm – everyone has a distinctive taste of his own & Paytm offers what consumers exactly needs. • Buy & sell via Paytm. • Larger number of parties onboard. • Deeper penetration to lower rungs of buisness. • Easy money transfer
  16. 16. ATTRACTING NEW USERS Paytm offers – 1st time user Tempts a person – to create a account
  17. 17. PAYTM IDENTITY Vision “Provide Meaningful Access for mobile eco-system” Mission “ To be the most trusted mobile commerce brand in the country”
  18. 18. PAYTM WALLET WHATS THAT ? “ A secure digital wallets that lets you manage your money , recharges, paybills, shop on Paytm ,send money to friends & pay for various brands &services like Uber, Make my trip < Book my Show and many more”
  19. 19. ASSOCIATIONS GO CASHLE SS INSTANT PAYMENT CONVENIEN CE MOBILE WALLETIPL DEMONETISATIO N CASHBACK OFFERS INNOVATIV E
  20. 20. WHAT’S UP WITH BRAND NAME & LOGO? Brand name : suggestive - of benefit Liquid Design has been working as communications design partner with Paytm for more than 4 years
  21. 21. COLOUR Professionalism Success Trust JINGLE Paytm karo… BRANDVALUE 1.5 Billion US $
  22. 22. POSITIONING • Paytm Promotes Itself As An Alternative To Money • No hard cash, just Paytm. • Single digital window for all payment. • App that caters common man’s need. “Ab chhute ki chinta nahi”
  23. 23. Partnerships
  24. 24. AWARDS&ACCOLADES 2014 – Paytm app is a finalist at the international Meffys in consumer Trust category 2014 –Paytm is GoldWinner at the MMA Smarties in the mobile App category 2014 –Paytm is SilverWiner at the MMA Smarties in the mCommerce category 2014 –Paytm gets recognized among Delhi/NCR’s Top 50 Brands at a celebration By Paulwriter 2014 –Paytm wins the Best Mobile Money Product at the 4th India digital Awards
  25. 25. 2013- Paytm Wins Knowledge Faber Best Mobile Wallet Program awards 2013- Paytm Wins a special mention in mBillionth Awards in mCommerce / mBusiness category 2012- Paytm is recognised as the Most Innovative Startup of the Year 2011- Vijay Shekhar Sharma Won ‘Mobile Entrepreneur of the Year – WAT Awards
  26. 26. 2011- ‘Best VAS Innovative Product’ for One97’s Product TalkMe – ET Telecom Awards 2011- Finalist in mBillionth award South Asia: Recognised as the Top 6 Companies –Voice & Data’s Telecom Awards 2010- ‘Company of the Year ‘by ETNow , IndiaMart Leades of Tommorow 2009- Ranked 10th Fastest Growing Technology Company in Indian –Deloitte Technology Fast 50 India Program 2009- ‘Emergency Company of the Year’ – Voice & Data’s Telecom Awards 2009
  27. 27. PayPal vs. Paytm :trademark infringement
  28. 28. • PayPal is one of the world's largest Internet payment companies • Established in 1998 California-based PayPal, founded by Silicon Valley bigwigs such as Elon Musk and Peter Thiel • PayPal Holdings, Inc. is a company operating a worldwide online payments system that supports online money transfers and serves as an electronic alternative to traditional paper methods like checks and money orders • The company operates as a payment processor for online vendors, auction sites and other commercial users, for which it charges a fee
  29. 29. • The Californian-based company, PayPal, has explicitly accused Paytm of using a logo that was "deceptively and confusingly similar" to its own • In addition, the notice given by PayPal states that Paytm has slavishly adopted the two-tone blue color scheme of the trademarked PayPal logo • PayPal also mentioned that it has been using its trademark logo across several countries since 1999 and is registered in all countries where it operates, including India. • Paytm, established in 2010, has also adopted a similar strategy to the redesign of its logo, something that PayPal has said amounts to taking advantage of its reputation. • So within such grounds, PayPal has asked authorities to refuse the trademark application as the logo can
  30. 30. The first syllable in each mark is in dark blue colour and second syllable is in light blue colour. Further both marks begin with PAY’ which consumers tend to remember more than the second syllable, and the marks are of similar length. These similarities cause likelihood of confusion in the aggregate, specially considering the fame of the opponent’s (PayPal) earlier trade mark
  31. 31. PAYTM’S CHINESE OWNERSHIP
  32. 32. PAYTM’S CHINESE OWNERSHIP • This criticism over ownership, circulated widely through instant messaging apps, sought to pick up on sentiment of banning Chinese products. • Swadeshi Jagran Manch (SJM), which has been running a relentless campaign against the inflow of Chinese goods and investments in India for some time, has said it will now “study” the relationship between Paytm and Chinese online retailing giant Alibaba Group • SJM, which has been relentlessly campaigning against Chinese goods and investments in India, said it wants to ensure that the “data shared by Indians is safe”
  33. 33. • Paytm founder and chief executive Vijay Shekhar Sharma has asserted that his company is "as Indian as Maruti" and prides itself on being a representative of the "India story". • The once-government controlled Maruti is now majority owned by Japanese carmaker Suzuki Motor Corp with a 56.21 per cent stake as its sole promoter. • Chinese e-commerce giant Alibaba pumped in $680 million and acquired 40 percent ownership of Paytm’s parent company One97 Communications in the year 2015.
  34. 34. • After the government announced the demonetisation decision on November 8, Paytm issued an advertisement welcoming the move as it boosted use of e- wallets likes the one it markets • Paytm was served with notices by the government for using PrimeMinister Nare ndra Modi’s photograph in their advertisements • The Ministry of Consumer Affairs, Food and Public distribution has asked the company whether they had taken prior permission before using the photograph.
  35. 35. CRITICISM FROM POLITICS • West Bengal CM Mamata Banerjee had said, “India’s prime minister has become a salesman for a company(Paytm). • Congress vice-president Rahul Gandhi referred to Paytm— the payment gateway has seen a huge growth in numbers since the November 8 announcement — as “Pay to Modi”. “That is the idea behind a cashless economy. That a few people should get maximum benefit from every transaction. That is what is going on
  36. 36. WHATSAPP MESSAGE ABOUT TO STOP WORKING FROM JANUARY 15 IS A HOAX The message spreading states that if you have money in your Paytm wallet, you should either use it or get it transferred to your bank account before January 15, or else forfeit it. The hoax message also claims since Paytm is converting into a bank post January 15, you will not be able to transact with your Paytm wallet money.
  37. 37. FUTURE HOLD FOR PAYTM
  38. 38. Paytm MAKES THE MOST OF DEMONETISATION, IS ON ITS WAY TO PROCESS RS 24,000CR IN TRANSACTIONS • Digital mobile payments company Paytm on announced that it had touched a record five million transactions a day while being on the way to process over Rs 24,000 crores. • Within hours of Prime Minister making the announcement, the company witnessed a sharp 200 percent hike in the number of app downloads and a 250 percent surge in the number of overall transactions and transaction value.
  39. 39. KIRAN VASIREDDY, SENIOR VICE PRESIDENT • Owing to the overwhelming response from consumers and merchants alike, we have set bolder targets in merchant acquisition, and are aiming to target five million merchants by the end of the financial year. • Since November 8, user base gone up from 15 crore and we are now 17.2 crore.
  40. 40. • Currently, close to 8,50,000 offline merchants across India accept Paytm including merchant segments involving taxis, autos, petrol pumps, grocery shops, restaurants, coffee shops, multiplexes, parking, pharmacies, hospitals, kirana shops, amongst others
  41. 41. The hoax message claims that since Paytm is converting into a payments bank post January 15, users will not be able to transact with their Paytm wallet money, it said.
  42. 42. HERE’S WHAT WILL HAPPEN TO YOUR PAYTM WALLET AS IT MERGES WITH ITS PAYMENT BANK "This is just a transfer of ownership of wallet to a new company called Paytm Payments Bank Ltd. Once we launch the bank, you will be given an option to open a separate bank account with us.“ "Your money is absolutely safe in the Paytm Wallet. It is always yours and you will never lose it. If you have any balance in your current Paytm Wallet, it will reflect in your new Paytm Payments Bank Wallet."
  43. 43. HOW WILL VIJAY SHEKHAR SHARMA’S PAYMENTS BANK REALLY MAKE MONEY? • It was reported that the Paytm founder has sold one percent of his shares in One97 Communications for approximately Rs 325 crore. The funds will be utilised for Paytm’s payments bank operations. • Although the timeline for the launch of the payments bank remains a mystery • 1.First was the change in Paytm’s technology plans. The company was planning to build its infrastructure internally but changed track midway. The infrastructure and backend technology will now be powered by Infosys’ digital banking solution, EdgeVerve Finacle. • 2.The second was that VSS was sourcing for capital. Last month, it was reported that, along with One97 Communications, he had invested Rs 220 crore in Paytm Payments Bank (as of November 24, 2016). VSS confirmed to Mint about having invested Rs 112 crore.
  44. 44. • It also announced leveraging the power of Unified Payments Interface (UPI), which will allow Paytm Payments Bank’s customers to add money to their Paytm wallets through any UPI- enabled app and transfer money to any bank account from their existing bank account through Paytm’s UPI interface. • Uptake on UPI will not be much of a problem for Paytm either, as it has already gathered a set base of users who transact digitally. This is in contrast to its competitors, who are still struggling to get users to transact digitally, let alone on their platforms. • This essentially means that Paytm could become a marketplace (or a third party) of sorts, providing (or deploying) wealth management and insurance services, among other financial products, to its customers. However, until the RBI eases up on its regulations for payments banks, Paytm’s cross-selling will have to be in partnership with certain banks and their products.
  45. 45. • Lovkesh Kapoor, Head of Investment Banking at Client Associates, a private banking and wealth management firm, says, • Last year, Paytm suffered a huge loss on the whole. This loss can be divided into its e-commerce and payments business as a whole. And we know that e-commerce as business is a capital extensive business. So, now we may see some restructuring happening, as they hive off their e- commerce business from their payments business. But once their payments bank gets activated soon, there might be light at the end of the tunnel in terms of revenues they earn from cross-selling.
  46. 46. ALIBABA LIKELY TO ENTER INDIAN MARKET SOON WITH FRESH FUNDING OF RS 1,700 CRORE TO PAYTM • Alibaba, world's largest ecommerce company, is leading an investment round of between Rs 1,350 crore and Rs 1,700 crore in the online retail marketplace of Paytm. • "The Alipay-Alibaba combine will now own over 50 per cent in the unit," Economic Times quoting an unnamed source reported. • For Alibaba, entering the Indian market will mark an expansion of its global footprint and offer a chance to grab a slice of one of the world's most attractive markets for online retail, which is estimated to be worth $14-16 billion at the end of 2016, up from about $11 billion in 2015
  47. 47. PAYTM VANISHES FROM THE APPLE APP STORE • latest instance of cracking under pressure has come in the form of a mysterious disappearance from the Apple App Store. Paytm clarified through a blog post that they delisted their iPhone and iPad apps on Apple’s App Store voluntarily after users encountered various bugs and technical issues on the current version of their app. • “we found a bug in our iOS App where certain app users were not able to pay, thereby hanging their app. Soon, the system logged them out, preventing them from further accessing their account. We are sending an app update to Apple immediately and requesting them to approve the same as soon as possible. Once live, we request our users to update their iOS app."
  48. 48. BARRIERS....... First: bank costs Second: heavy advertising costs for customer acquisition Third: not so profitable merchant business Fourth: security concerns of customers Fifth: poor mobile/internet connectivity issues.
  49. 49. TO BOOST DIGITAL TRANSACTION, NITI AAYOG INTRODUCES DAILY, WEEKLY AND MEGA AWARDS SCHEMES FOR USERS • There will be 7,000 weekly prizes for consumers with a maximum prize of Rs 1 lakh each. Other awards will be of Rs 10,000 and Rs 5,000. • Under Digi-Dhan Vyapar Yojana, there will be 7,000 weekly awards with a maximum prize of Rs 50,000. Other awards will be of Rs 5,000 and Rs 2,500
  50. 50. “I don’t need to sleep, I am living the dream”
  51. 51. Lovkesh Kapoor, Head of Investment Banking at Client Associates, says that, There might be a slight twist to things and I would take these claimed figures (by Paytm) with a pinch of salt. Payments is essentially a business of volumes. One needs to realise that Vijay and Paytm are building a national consumer brand with scale and trustworthiness. And we think that once the payment banks strategy kicks in for Paytm, there might be some more active revenue streams for the company. But for now the focus is on chasing the customers.
  52. 52. THANK YOU.... #PAYTM KARO
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