@rpattabi It is not access to data, it is the ease of disbursal & collection which is PayTM’s moat. The biggest headache in small ticket retail loans is operational, and that is the problem PayTM is solving.
@ankit_talreja – As clarified by @Mathew10 above, PayTM is not giving guarantees. They are working solely on commission. If delinquencies are higher, they earn less fees, that’s all. But no Balance Sheet exposure.
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