MANAGEMENT INFORMATION
SYSTEM
Submitted By-
Diksha Jindal
Devanshu Gohri

PAYTM
 Paytm is an E-commerce and payment system company
which was launched in 2010.
 It is owned by One97 company and is headquartered in
Noida, Uttar Pradesh.
 Paytm is an acronym for ‘Pay Through Mobile’.
 Apart from being accessed from the browser, its app is
available on the Android, Windows and IOS operating
system.

PROBLEMS
 Population: 1.3B
I. 60% Unbanked
II. 90% Small business no link to formal financial
institutions
III. Only 3.6% households undertake cashless
transactions
IV. 600 M with net-banking facilities
V. 20M Credit Cards, 350M Debit cards
VI. 60% Own mobile phones
VII. 60% projected to own smartphones by 2019
VIII. In 2015, 34.1% of mobile phone users accessed the
internet from their mobile phone. This figure is
expected to grow to 47.4 percent in 2019.
Sources: Statisca and Economic Times/India Development Fund

REVOLUTION
 In 2014, the company launched Paytm Wallet.
 Became India’s largest mobile payment service platform.
 150 million wallets and 75 million android based app
download as of Nov. 2016.
 Demonetisation plays key role.

REVOLUTION
 It eliminates the problem of change.
 Even a small retailer (stalls) moves to Paytm.
 Add money, no OTP and User id login.

INTIAL SERVICES
 Initially Paytm started by offering mobile recharging,
then added bill payment and e-commerce, with products
similar to business such as Amazon and Snapdeal.

PAYMENT SOLUTIONS
 Paytm offers smart payment solutions for online
businesses. The payment solutions allow them to accept
online payments through Paytm.
 The payment option comes with no setup fee and
maintenance charges. However, the company charges a
commission of 1.99% on every transaction.

PAYTM WALLET
 Ever wondered how Paytm earns even after providing
50-100% cashback?
 Through the Paytm wallet, of course.
 Cashbacks are credited to the users in their Paytm
wallets.

PAYTM WALLET

PAYTM WALLET
 Paytm wallet is a semi-closed wallet used to store
currency in digital form which can be used to buy goods
and services at identified merchant locations or
establishments (like petrol pumps, a supermarket, your
barber’s shop, movie hall, etc.) which have a specific
contract with the company to accept these payment
instruments.

PAYTM WALLET
 The money deposited by users in Paytm wallet is
deposited by Paytm in an Escrow Account with a partner
bank. This escrow account deposit fetches Paytm certain
interest which is decided as per the contract between the
bank and Paytm.
 Banks and payment gateways charge a fee equivalent to
1-3% of the money deposited for using their services.
This fee can’t be charged to the customers as it’ll make
them choose alternatives like UPI, IMPS, etc.

PAYTM BANK
 A payments bank is a digital bank which can accept
deposits and give out interests on the deposits but can’t
offer loans to its customers.
 Just like the Paytm wallet, users operate Paytm bank
using their smartphones. Paytm also issues debit cards
with QR codes which can be scanned at various points.

COMPETITION
 Paytm has 68% market share.
 Rival freecharge has only 11% market share.

PAYTM GROWTH

SCM OF PAYTM

HOW TO GET BARCODE
 Simply download the latest version of paytm app in
your smartphone.
 Open the app and login to your account.
 Click on “Pay or Send” option on the homepage
of paytm app.
 Paytm app will start scanning the QR code. ...
 That's it.

PAYTM FOR BUSINESS
 Is for who wants to open a separate account of
paytm for their shop or business
 With this your QR code will be generated which is
totally different from normal paytm account.
 This QR code directly accepts the paytm and
deposite into your saving bank account.
 You can add more than one mobile no. If you have.

WHY PEOPLE ATTRACT TOWARDS
PAYTM
 Easy Accessible:- The paytm side easy to
accessible they are much easy as compare to other
site people are like them for their easy accessible
specialty .paytm also available on the mobile,
tablets, laptops , and for paytm the high speed data
connection is not required .it is easily work on
mobile without any problem.

MOBILE FRIENDLY
 paytm service is also available in mobile so you can
easily download and use this application in your
mobile anywhere. On other hand we can say that
it’s a mobile friendly application.

SAFE AND SECURE PAYMENT:
 paytm uses many trusted software for their security
purpose they used many security application they
provided best security when any transaction are
done, they uses 256 bit of encryption for their
security purpose.

RBI APPROVED DIGITAL WALLET:
 Their digital wallet are approver by the reserve
bank of India(RBI). So people are trusted on their
paytm wallet service. That means They follow all
the rules and regulation they are required to work e-
wallet. They provide 45+ banks for net banking.(one
of the largest Payment Gateways in India.) You
canalso Rs 1 lakh plus money transfer (follow the
KYC(know your customer ) rule and regulation)
otherwise its RS 10000 .

SELLER OPPORTUNITY IN PAYTM:
 A consumer can also sell or do business with the
help of paytm Partner With Paytm

ELECTRONIC PAYMENT SYSTEM OF
PAYTM

QR CODE
 A QR Code is a 2D barcode that encodes data and
can be decoded using a smartphone application.
Which is Unique for every user.

SOFTWARE PRODUCTS PAYTM IS USING
INTERNALLY:
 Customer Support: ForeSee, Google Forms,
Zendesk
 Marketing: AppsFlyer, Google Tag Manager,
SendGrid
 Product & Design: Balsamiq, Google Fonts
 Analytics: Google Analytics, Heatmap, VWO
 HR: Lever
 Productivity: Betaout, Dropbox, Evernote, G Suite,
Slack