I still don’t get it. I think credit score can be fetched from cibil database. There are logistical challenges as well. Let’s say a merchant plan to stick to paytm. He still has to get a new QR. And if he has a PPB account linked, then he has to get a new bank account linked. Merchant may think that when I’m going through all this hassle, why not change the service provider as well in one go, especially in cases where a rival approaches the merchant and offers him some one time onboarding benefits like some cashback or fee waiver for certain period of time.
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