Payments

Indian perspectiveVijay Shekhar Sharma

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• 1,100+ people500+ engineering team

• First round of funding in 2007Total equity raised ~140 crore

• March’07 = 11 crore revenue, 5 crore EBDITA • March’12 = 230 crore revenue, 108 crore EBDITA• 12 investments: In India, Singapore, Indonesia

and Scotland

About One97

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Marketing

Payment

Digital Goods

Marketplace

Our Business

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Mobile First

Marketing

Digital Goods & Services

Paytm Payments

Telco Charging

Banks• CC/DC• Net

banking

Wallet• Paytm Cash

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• 650 million mobile-phone subscribers• 280 million individuals with bank accounts• 19 million credit cards• 88,000 bank branches• 120,000 ATMs• More than half of Indian households—110 million altogether—

do not have a bank account.Only 50% of adults worldwide have an account at a formal financial institution. 22% of adults worldwide report having saved at a formal financial institution in the past 12 months.2.5Billion+ unbanked in whole world

India

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• Value of bank note and cash in circulations % of narrow money

South Africa – 18.5%China – 18.3%Mexico – 39.1%

• India – 60.1%Brazil – 52.7%

Cash economy

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June 2013 • 1.1 Mn PoS terminals• Credit cards – 19Mn – 36 Mn tx – 113 billion• Debit Cards – 350Mn – 47 Mn tx – 70 billion• On ATM – 4,93 Mn tx – 1,574 billion

Status of plastic

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Now non-banks can do:• Issuance of pre-paid payment instruments• Cross-border in-bound money transfer• Cards payment network - RuPay• ATM networks

Opportunities

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• No M-Pesa for India• Smart Phone systems

Merchant PoSOnline Shopping = Mobile InternetBanks longer understandingWallets lesser use of money cases

Mobile Money

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• Payment is $1 Trillion+ globally• Banks make >25% from payments

Accounts or Cards fees/costsTx Fee

• Asia ~330 Billion ~ in ratio of GDP contribution

Global Trends

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• @VijayShekhar• vss@one97.com• +91-9810098197• www.Paytm.com

Thanks!