Super Apps are all-in-one ecosystem for various aspects of daily life. Banking/Payments being a major one.
While technically separate entities, One97 Communications and Paytm Payment Bank shared a close relationship with significant overlap in ownership, operations, and governance
One97 Communications leveraged Paytm Payment Bank for certain wallet functionalities, like wallet top-ups and KYC verification.
The disruption of certain Paytm Payments Bank services (e.g., direct wallet top-ups) could lead to decreased wallet usage, indirectly impacting other revenue streams like commissions from merchants and payments.
I can’t quantify the revenue impact at the moment because it’s more than just numbers, its reputational, given all the negative headlines.
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