In my opinion the major differentiator remains that Paytm already has its soundbox installed with 1.06 crore merchants. Also Paytm has a large salesforce of 25,000 which serves this merchant base. I have been trying to figure out why would a merchant stop using Paytm soundbox and move to PhonePe sound box. Please educate me what do you think could the reasons be for such a switch.
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