The bet on paytm is on them being to acquire good set of borrowers using their payment platforms and keeping them with them for long.It should no longer being considered as a payment business but a lending business.People can talk of threat of new players but as far as I can see, management concentration will be key to success in this business.Players like Jio,Amazon ,whatsapp don’t have as much as skin in the game as Paytm does as it’s the only thing they do.Phone pe is the real competitor here …I am interested to see how much unserved market share is still there among small merchants for credit.I see a lot of opportunities there if they execute well
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