Thank you so much for your post.
I have some questions regarding merchant data that PAYTM has and which it can use to properly judge a merchant and provide loans.
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Whenever we pay a merchant using the QR code, Paytm get the details but when that money is transferred into the merchants Bank Account then even the bank gets the same details. Here the bank can use this data and then sell not only personal loans but all other types of products that the bank has to offer. How does PAYTM have an upper hand ?
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The loans dispersed are not on PAYTM Balance Sheet, in case a default happens how does it impact Paytm and will it impact the bank and Paytm relation.
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Personal Loans are risky and PAYTM does not have a track record in the lending business when we compare it with Banks and NBFC. How can we be sure that PAYTMs risk management is strong and when the credit cycles turn their default rate will remain low.
Thank you
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