Covergence of e-Wallets, Loyalty, Domestic Money Transfer and MarketPlaces
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Covergence of e-Wallets, Loyalty, Domestic Money Transfer and MarketPlaces
- 1. Ecommerce Websites • Amazon • Flipkart • Myntra • -- -- • -- -- Payment Gateways • BillDesk • CC Avenue • OxiCash • SBI ePay • AToM Fulfillmentoncepaymentconfirmed Airtel Money, Oxicash, Itzcash. Max of Rs. 50k can be loaded Mobile/DTH Recharge E-Commerce Made Easy with Examples Net/Mobile Banking/ATM PPI (Prepaid cards, e-Wallets) Credit/Debit Cards Use Case-2 Buying from a marketplace Use Case-1 Mobile Recharge Recharged once payment completed.
- 2. Muthoot Money Convergence of Loyalty, Ecommerce, DMT and Muthoot Money MuthootShop MarketPlace from CBS Bill Pay/Recharges (Mobile/DTH) Gold Loan Interest Payment Domestic Money Transfers (NEFT/IMPS) Physical Cash Loaded at Branch Bill/Recharge Aggregator Load via Credit/Deb Card, Netbank Integration with CBS Already Done Integration with CBS Accounting procedure Payment Gateway Above model is cost effective and the initiative stays in-house. Almost similar to Airtel Money except that Muthoot goes one step ahead by running their own loyalty program accruing and redeeming points via Muthoot Money. Prepared By: Abraham Isaac •DMT: Domestic Money Transfer •CBS: Core Banking System
Hinweis der Redaktion
- SBI is a relative late entrant in the payment gateway space. Existing players include: Times of Money, IndiaIdeas (BillDesk), CCAvenues, TechProcess Solutions, E-Billing Solutions (EBS), Atom Technologies, and new aggregators like PayU, Citrus, Emvantage.