Strength of PayTM in my view (in this context) is about loan collection process control. They have direct visibility on every transaction in the account and available balance on a real time basis and also do the monthly collection digitally. So while I am in alignment to some extent with your views on AA removing monopolies, in my view it will impact the lending side of business. However the scale and existing penetration of PayTM should help big time in loan collection business which some other fintech’s may not have.
Just my 2 cents! No investments, on watch list!
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