How Paytm is secretly KILLING Phonepe and Bharatpe? : Detailed Business CaseStudy

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VIDEO INTRODUCTION:
Phonepe and Paytm are 2 of the most formidable players in the fintech industry of India, and in the past 1.5 years, the trajectories of both these companies have been the complete contrast of each other. While Phonepe beat every other company to become a market leader in UPI volumes, paytm has had a terrible run at the stock market!!! and we all know why??
But while most people including myself were looking down at paytm thinking it to be yet another ballooned start up, what i strangely discovered is that paytm has made some extraordinary progress in the past 2 years.
What exactly is this Secret project that Paytm has been working on?
How is this secret project changing the dynamics of the digital payments industry?
How is it helping paytm become profitable?
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#paytm #paytmvsphonepe #phonepe
#thinkschool #businesscasestudy #geopolitics

[@ThinkSchool]

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[@rakeshparida6285]

Make a case study of louis vuitton

[@roz1]

Pls make a case study on cred

[@chipchoco422]

Why do you move with electric mobility stocks given the skepticism .

[@pervfox]

I support Russia against NATO expansion and free Julian Assange 🇷🇺🇷🇺🇷🇺

[@satishkumarpatra4896]

Paytm never fails to amuse me.

[@spd.]

My problem with Paytm is that its homepage is flooded with rummy ads

[@shourya2]

Same problem with Phonepe

[@ramratantholiya9548]

Yes bro phonepe and Gpay bhut simple lagte hai

[@harshitsingharya5533]

A23

[@knowwithsanjay]

If you are Paytm intevester, you should be happy that it is earning money

[@Afzal3000]

Coz that's there highest ad running client

[@ridamnibjia]

Paytm has built another competitive advantage for the salaried employees by providing them food vouchers which helps them income tax deduction. Great integration with Paytm Wallet!

[@Sylvester246]

@Ashleigh Knigt Yeah that's right I think the best way is to invest with a professional, at least it saves the trauma of too much losses.This just surprised me because I also invest with MRS ETTA JOHN.

[@ashutoshsahoo1763]

​@@Aminabdallah853yes i too get 0$ dollar. It will be the best adv ever.

[@007_Sun_Tzu]

​@Amin Abdallah bhadwagiri band karo

[@rxr2066]

this exactly why paytm will fail. as paytm is keeping customers by giving incentives and not its services

[@ridamnibjia]

@@rxr2066 they are not giving this incentive from their own pockets, the employer pays for it from the part of their employee's CTC.

[@bhaskarthakur3877]

Feeling so proud learning about growth of UPI while the so called developed nations doesn't even have such fast payments systems. Proud of modern India 🇮🇳

[@sriramprasanna1334]

Dude.. China had Alipay long back.. wth are you talking about?

[@styge6287]

​​@@sriramprasanna1334 China does have WePay and Alipay but it's an inferior UPI. Their payment systems were and still is no where close to being as advanced as theUPI payment system. There's no complexity to UPI for the consumer firstly. Secondly, UPI transactions are on average 3 times faster than Ali Pay as well. Thirdly, UPI payment system isn't grid locked as it is for Chinas payment systems. Though, yes it's true that Chinas payment systems are though much better than any of the west yet comparing them to UPI is stupid as they are inferior in every aspect.

[@GaganVid]

How many of you came here after RBI slaps sec 35A of Banking Regulation Act and virutally end PayTM's business?

[@RamaKrishna-ox6qg]

I used Paytm and PhonePe. I felt Paytm has lower failure transactions than PhonePe.

[@ambrish58]

Yeah agree with you.

[@Classyks01]

True

[@tiredsoul02]

Yes same i also experienced

[@crdroidlegacymerlinx-jr2ki]

I opened a bunch of zero balance accounts just to make sure i never face issue due to banks upi down lol

[@RamaKrishna-ox6qg]

@@crdroidlegacymerlinx-jr2ki nice thought. But doesn't debit card cost AMC

[@RohitPandeyBiki]

To me Paytm is better than any other payment app. It's because of Paytm Postpaid and UPI lite features and also it's UI.

[@mr_calm111]

Yes paytm's UI is best among all...

[@bhaveshjain27]

Paytm postpaid has high charges in the form of convenience fees upi lite is good

[@RohitRaj-iy5kh]

Phonepe Ui >>>> Paytm's Ui

[@royalmoon1725]

PAYTM IS SHIT

[@robindabank12]

​@@bhaveshjain27 if you have postpaid lite then you will be charged for sure but if you have delight or above then no charges.

[@aarushsingh2356]

As a user I would never want Paytm to fail. It's just the best experience

[@hrishikeshagarwal3181]

Agree. As an user I love paytm and can't stop advocating about it. As an investor there is no company worse than paytm 😂

[@berealistic8170]

'customer retention is always more important than customer acquisition because accusation comes at a cost but retention helps to recover these cost' 👍🙏

[@rajsatraroxor9603]

acquisition*

[@berealistic8170]

@@rajsatraroxor9603 👍

[@PFP1111]

Disable your autocorrect.

[@blrj]

Paytm also integrated both its Wallet and Postpaid across all major online platforms. For eg. Its even integrated on Flipkart and Myntra.

[@narendrasingh8272]

You forgot uber!

[@blrj]

@@narendrasingh8272 yes but Flipkart and Myntra matters as they own PhonePe yet Paytm Wallet and Postpaid are integrated on their platform.

[@gauravkumawat7962]

also swiggy

[@GoFlyFeetOnGround]

so does all UPI apps

[@sharathkumar9628]

@@blrj that will change soon, as Phonepe acquired Zestmoney a lending platform whi has it's presence wider than Paytm in lending.

[@abhijitingle5660]

Fun fact I used both Paytm & Phone and already analysed these things way earlier in day today life but articulation by Think School is at another level.

[@mayurwadhwani5612]

In another 10-15 years india along with paytm , upi, rupay and digitalisation will bring on a revolution around the world with finance technology and will beat the greatest countries in the world in terms of net valuation of an individual person . Because small businesses lending and business to peer lending has great untapped potential that other developed countries are unbothered about.

[@sourabhbagade3538]

Whether it's phonepe or Paytm .. I want to see competition between 2 Indian brands so that they grow simultaneously than the foreign app gpay.. btw I support phonepe 🤞💯

[@stranger6489]

Phone is not an Indian brand It is an amrican app Walmart subsedery

[@k.bhavithkumar5708]

Paytm is also having majority stqke by Chinese company

[@chocoboy308]

@@k.bhavithkumar5708 Alibaba has sold its stake in paytm, there is no other chinese investment in paytm now

[@Ankit-wd7qz]

Pseudo nationalism 😅🤦😂

[@sorryi6685]

@@chocoboy308 For now! Will definitely change in future if they are successful

[@dudeimstoned5141]

Paytm is the first app every Indian knew in payments. Even before UPI. Good to see it giving a comeback. Meanwhile Phonepe stealing money by charging 3rs per recharge of 181rs!

[@freesoul8188]

Do chinese still own large chunk of ownership? Is the user data stored on Indian servers or Chinese?

[@rudranilghosh2713]

@@freesoul8188no alibaba sold their shares in paytm

[@freesoul8188]

@@rudranilghosh2713 A simple google search shows ANT (alibaba) still owns 24.88% (largest shareholder). Kuch bhi likh dete ho dada. Check to karo

[@AbhijeetRanjan]

​@@rudranilghosh2713 AntGroup still has share in Paytm

[@subham26]

Switch to Bajaj finserv. It won't take money from you instead will give you cashback

[@unboxingthetechworld6479]

Paytm Winning the Race is obvious the sophisticated UI Outrights all other Platforms, atleast for me. Very well said by Vijay Sharma " When you solve for masses when you solve for India, when you solve for the last person, the last mile, you can still make money and discover the long term sustainable business model. Definitely they'll Conquer.

[@DhananjayMistry]

Well the above doesn't justify looking at the stock price......let venture funds dump the shares and see dumb idiots paytm kicked off the market.....birn your own cash and earn profit not just depend on others investments......fintech idiots need to learn this....

[@radhamanohar2307]

😂UI is the ugly part , because of it I didn’t even registered on paytm. One good thing is transaction successful rate is higher than any other apps.

[@BizMan-fz5qt]

​@@radhamanohar2307 have you used it recently? It's way cleaner than phonepe

[@BraddysReagent]

@@radhamanohar2307 way better than phone pay and gpay

[@amitsurg]

As a business owner who has a Paytm POS machine as well as one issued by a mainstream bank, we always use the one by the bank as charges are much lesser. Paytm is good at giving the machine quickly but charges need to be worked upon.

[@pattu11]

Thank you, ThinkSchool team, for the insightful case studies you bring to your viewers/listeners. Wonder if you think Indore as the cleanest city of India for six consecutive years deserves a deep dive! I particularly feel that their story must be worth narrating here. What say?

[@shivamkandhway4907]

I always Preferred Paytm and Will Continue to Use it. But most people find it confusing initially so they go for Phonepe.

[@rajeshlp]

DUB GAYA PAYTM

[@knownow7335]

Thank you Think School Team for yet another case study, not only I got to know about the paytm and phonepe's competency but also got to know abt how apple manages to be on top of its game! Thanks guys for all the efforts and presentation!

[@kodadalasuryaprakash1749]

Yeah same here thanks Ganesh bro 👍👍

[@varunemani]

Exactly they are a company that really cares and works towards what their customers actually want. Apple ecosystem bit was for me ultimate new age startup business logic compared to any case study so far. Absolutely loved this segemnt of the video as an apple fanboy myself. 🖥💻📱🍎👍

[@mrchettri1]

Wonderful vdo...loads of love... Such a depth vdo u changed my perception

[@MarkovDebbarma]

I first got introduced to Paytm during the pre-demonitization days and since then it's been 10 years I have been a active customer of Paytm and Paytm Payments Bank. I even tried using phonepe but the interface or the usability just didn't feel familiar or easy just like an Apple user switching to Android. I'm very hopeful of the bright future that Paytm as a company holds because Paytm has been a part of my day to day life since last 10 years.

[@ajaykanumilli6995]

Yes!!! I'm of same opinion and have been using Paytm since 2012

[@rajeshlp]

DUB GAYA PAYTM

[@adithyaadi1363]

Paytm comes up with new ideas and implements them and then phone pe steals that idea with deep pockets and overtakes Paytm

[@indianappguy]

it;s not just phonepe this is how market works.

[@hero_007]

True, Paytm was the one who introduced us to wallet payment. And also it's the first one to solve fake payments issue near shops with sound box.

[@siddhantpatel6783]

Is there only me(16 years old) or anyone like me who is so much obsessed with geopolitics and never miss a video of this guy?🤔

[@sayanmallick1473]

Nah, you're not alone, I'm here too. (Also, I just turned 16 today lol)

[@dhruvr5134]

But me still 15

[@dhruvr5134]

So Dont feel lonely there are juniors than you tooooo!!!

[@DeepakKumar-md4hp]

And also me 17

[@dhruvr5134]

@@DeepakKumar-md4hp yeah bro

[@whiteblood9924]

Yet another awesome video! Great work guys, such rich content.....Amazing! Got to know a lot in 20 mins, keep rocking!

[@parikshitgowda.n.3186]

Think school should make a video on India stack program covering from 2009 Adhaar to future 45 second loan idea mainly to MSME sector like u mentioned in the video but in India stack there will be many large banks competing to give a Rs10,000 loan for kiran owner which would be revolutionary just like UPI . Hoping to see a video about India stack and more insightful case studies and geopolitics. Thank you

[@adityapandit1810]

Me using Google Pay 👁️

[@madhur7414]

me too 👁

[@riteshgadre6819]

Tab to tum safe ho shabbash beta very good 😊 👍

[@AkashKushwaha-or6he]

🤣🤣

[@kirmada-sur]

amazon pay is good

[@pervfox]

​@@kirmada-surJeff bazos is bad

[@CodingExpress]

There's nothing wrong with competition Bro! And as an African, Paytm is the first I know. They are very very good!

[@sinhanaivedya]

U guys using UPI there or just wallet feature of paytm

[@vipashapmehta]

Excellent video - learnt something new. Thanks a lot think school. Keep up the good work. Looking forward to further good videos from you. 👍

[@sandeepnambiar469]

Very good video. The concept of Entry Product, Retainers and Upsell was very nicely explained through awesome explanation and graphics.

[@alpha_baboon]

I use Paytm because of the interface it has and fast payments without failing which I experienced in phonepe

[@1OOKSubsChallenge]

No Bollywood No Hollywood Only Think School 🔥❤️

[@pervfox]

I disagree with it as he uses PM Modi ji images to clickbait and farm views.

[@sumitkaranjkar3819]

​@@pervfoxso what?

[@ramratantholiya9548]

Haina🔥🔥

[@ujjwal2473]

@@pervfox 🤣🤣 bhai modi ji is a retainer for everyone, those who love his work or hate his work.

[@kalaichelvan]

r u a bot or a simp

[@venkatsaipadishala1916]

I m loving the content size , you guys are posting. It's more detailed in if it's 20mins.

[@ankushladani496]

Thank you Think school team for this video....💯💯

[@YogeshMantri]

It will be real interesting if PayTM enters Singapore or not (considering UPI + ayNow integration) and how quick..

[@hellonomasonto]

Appreciate this episode so much! Love from South Africa 🇿🇦.

[@ReviewSutras]

We see merchants using PhonePe, BharatPe, Paytm etc simultaneously. In that case, how can Paytm be sure of overall cash inflows a merchant has or potentially can have. Normally, we have all types of QR codes and customer chooses one based on his mood. Have never seen shopkeepers preferring one over the other in general unless they issues with attached saving account.

[@tarunnaik3053]

Thank You so much for opening our mind and made us capable of understanding business case studies and making us aware.🙇🙇

[@ravinishad8424]

Paytm needs to change their user interface using minimalist approach.

[@theindianliberal]

Agree

[@Beauty.4564]

Fake 0% Atitude 0% Real 100% Hard work % Keep it up bro big success is waiting for i'e 10M subscribers family 🔥

[@shivikachadha9476]

When your brand name becomes a part of your customers daily vocabulary I think you have won the race… Paytm will always win the race when it comes to customers trust building. The CI they have come up with is great and the vouchers as well. Great going.

[@Farazqofficial]

Wow... Such a knowledgeable session

[@pulkitkashyap7310]

Hey Think School, Just to mention..In the coming months, as per NPCI orders of the last year, no Third Party Application Providers (TPAPs) will have a market share of more than 30% when it comes to UPI based payment. This is applicable to both PhonePe and GPay but not to Paytm as it is registered as a Payment Bank. I believe this is also something that can prove to be game changer for Paytm and help the firm in gaining a major share of Indian UPI payment where today it has a share of less than 20%.

[@mr.sourarmpits1627]

How would above 30% market share companies kick people out of their apps tho? Seems kinda undefined tbh or maybe they should let the invisible hand do the work or support competition via other more defined ways

[@gauravkumawat7962]

paytm does not come under this only because they have less than 30% marketshare, it being registered as payment bank doesn't matter, NCPI is not that stupid lol.

[@beingindian1335]

@@gauravkumawat7962 wht he said is true bro.

[@mrdevil4290]

Date was extended for 2 years

[@sachinedit5209]

future mein yeh company apni monopoly create nahi payegi phone pe 47% pe hain (walmart) isse market mein competition rahega aur new player aatein rahegey.

[@itscurious_ks]

As for me phonepe has never failed for any payment for very long time than Paytm but the competition ends with creativity and thx Ganesh for such a great insight

[@manideepak6820]

Thank you think school for this case study

[@krossroads8278]

Another example can be:" Imparting such critical infos so flawlessly has helped you in retaining your subscribers and since we are so habituated to listen to you, you can use this as a base for your next ventures (upsell)..... 👏

[@sscc364]

You made case studies interesting 👌

[@tejaswinipatil2000]

Thank You Sir 😊

[@billyjacob9327]

Loved the video. Thanks a lot for sharing all this knowledge 🙏

[@uniq6781]

Thnx for providing such valuable information 👍

[@nkumarchali]

I use PayTm since 2 year & I just ❤️ it. Smooth service & no any payment failure 👍

[@gunjangupta4395]

Great points. One additional competitive factor that gives Paytm an edge over other UPI apps is that is has recently launched UPI lite; This enables these frequent small value transactions at merchant shops to be done seamlessly without multiple entries in user's passbook and even without internet requirement - which solves huge problem for rural India.

[@ruthranandanks416]

Thanks

[@rbk.technology4747]

Beautiful video presentation. It's better than many IIM prof lectures. You rock buddy. Bcoz of u I get a lot of pointers to speak on. One more thing is the conclusion I feel Paytm is going good. As phonepe beats only in UPI that too due to the first mover advantage. It's kind of a entry lvl product. Phonepe miserably needs some retainers

[@ayushyakumar5984]

The concept of habituation is what I personally felt, Paytm has mastered in B2C market space as well. Using my Paytm payments bank account while making a QR payment, it just uses the FaceID to authenticate the payment. No struggle of entering the UPI Pin again and again. Also, I add only that much amount that is required for my regular monthly expenses and keep the rest in my native savings account. Money management and hassle-free payment solution at the same time.✌️

[@nithinn987]

That is exactly what i do. Paytm payments Bank has very less failure rate. Life has become very easy for me.

[@divitkarekar5803]

@@nithinn987 but I am a not able to use paytm payments bank because it's closed for new customers🥲wonder when will it open

[@prabhanshusahu4185]

@ThinkSchool please make a video on Nirav Modi and PNB Scam. Also I follow every video of yours thanks these amazing videos.

[@profshwetaanand6619]

Good orator. confident and knowledable

[@DharamKapadia-info]

I love your channel…. Just discovered it and i have a lot of catching up to do 😊

[@neerajwa]

That sound box should be rated as an innovation on par with UPI itself. I understood it's significance the moment I first saw it. I am surprised that phonepe guys could see this two years late.

[@s_l5099]

Tomorrow morning is my exam but I can't ignore your video , i guess i'm addicted

[@Sujal_Singh]

Which?

[@s_l5099]

@@Sujal_Singh semester exam

[@TechnicalVigyanrahulky]

Mine is 12th math bro😅

[@pjagan123]

Good analysis and insight. I like your homework. This is akeen to a management case study. One can be picky, honestly you have done a great job. Keep it up.

[@technicaltreat3438]

Paytm UPI lite is very useful.

[@bms9335]

Even when my Google pay fails to deliver,,,,Paytm is always there to pay without any problem,,,,love Paytm and want it top of online payment ❤️🇮🇳 And Bharti Airtel is seeing the potential of Paytm that's why they want stake in Paytm🙏

[@maitreyajambhulkar]

I am proud I am studying in DTU, the same college from where the Paytm founder studied.

[@drgeeta.sharma]

I always like your videos, very informative and crisp, god bless you guys. 👍

[@Gautamkumar-cz9qu]

Phone pe is doing what Paytm has already done(and corrected itself for), providing every random service on the app which makes it look crowded and not being a special provider. I'm surprised to know that Paytm is a dark horse in the merchant lending space, which Ashneer Grover entered 1st. Interesting case study Ganesh & team Kudos👏🏻👏🏻

[@dhananjay4987]

Great video❤️. One request that it would be great if you can share a case study on Rebel Foods🙏

[@badbunny7355]

I Love Your Story Telling And Background Music 😍😍

[@himanshuagrawal9964]

Brother , you explain amazingly well The case study just flows through and everything gets crystal clear.✨

[@harshitgarg6647]

As i saw Paytm Money application is also growing. Their charges for the services they offer are really comparably low though of Zerodha but they need improvement. I have a question too sound box was definitely excellent innovation why paytm not patented this ?

[@actdimensions]

Maybe they bought a patent and did not develop the product itself.

[@vinaybhat7670]

When u have phone which already has Speaker in it...why do u need a soundbox?🙄 GooglePay is using Phone speaker (as it owns Android) so Google Pay will win here too

[@007vissa]

Gpay is the worst in failed transactions. Their servers are jammed on weekends. For any merchant payments I started using PhonePe.

[@samarthagrahari4777]

@@vinaybhat7670 when shopkeeper is not in shop then what bruh?

[@prajez]

I talked to merchants in my area. Paytm started charging ₹99/month for sound box while phonepe sound box is just ,₹1/month. Vendors are not liking Paytm exploiting and "all" the vendors I usually go switched to phonepe. I had Paytm wallet, now I'm forced to switch to phonepe wallet. Merchants are protesting against Paytm for higher commissions. In next 2 years, I believe phonepe will dominate in the soundbox with merchants.

[@politechnomy]

But then phonepe will be digging another hole for themselves by ruining another monetization opportunity. It goes without saying a physical device with its own connection can't be made and distributed profitably.

[@prajez]

@@politechnomy The device charge is different. ₹600 for sound box. phonepe too is charging for the device. But the monthly charges and higher commissions in Paytm is driving merchants towards phonepe

[@satishkumarpatra4896]

​@@prajez but as said, it doesnt matter who hold the market share, at the end, one needs to think of the profit.

[@shayanraj7840]

Once Phonepe market get a sizeable big , they will start charging same 99rs or even more.

[@politechnomy]

@@shayanraj7840 that is best case scenario, how do you know that competition in market will not do what phone pe is doing to Paytm? Sell these for free or 1 rupee a month subscription

[@jackc309]

bro! you are one of the gem. I'll appoint you as our company's advisor if I'm starting something. For sure.

[@ShreyashPatil1811]

Paytm pr 'x' rs prapt hue (that sound box) is making paytm grow and beat phone pay i think.

[@rahulmodiya2243]

Vijay Sir is the guy who stays calm and plan for bouncback during storms.

[@harshitsingharya5533]

Aligarhi! 😎🔥

[@knowledgelegend735]

Thank you for this valuable knowledge 😃🙂

[@nooruputhige1695]

Bro! You are one of the gem. I’ll appoint you as our company’s advisor if I’m starting something

[@pamulapatisaichaitanya6780]

I think you should do a video on BHIM UPI, which is designed and developed by NPCI, who also developed UPI itself. It is safe to use than the private competitors. Think about it. Thank you.

[@sakshamchaudhry2061]

Finally a business video after so long😌 Do make more of them as these were the ones which made us really like this channel 😁

[@shahidbappy7449]

Such a mind blowing analysis. Couldn't help subscribe ur channel bro. Appreciate ur work from Chattogram, Bangladesh.

[@deekshithsrinivas117]

Hi think school, i would request you to do a case study on digital healthcare industry. This is quite a important niche in the India's digital economy. It would help us in understanding this specialist sector more clearly.

[@VoiceofBharatvarsha]

Paytm postpaid is also an great feature as it retains customers to use it for day to day expense

[@bodhisatva3019]

Came back here after RBIs action on PayTM payment bank .

[@srinivasmkaku5188]

Great Info.. real eye opener ... thank u

[@vijaychandra91]

You can tell this whole video in one point "soundbox" but you didn't Ganesh have a talent that he could make 20minute video from the one point

[@vivektangudu4547]

Phonepe stopped giving cash-backs. So does it say anything? And rbi came up with some rules, to have equal volumes of upi transactions(in this point) phonepe may loose it share

[@chipchoco422]

What do you think about phonepe's add campaigns? Perhaps it's just that phonepe is more into creating an environment for the customer for it provides a foundation already. Why it couldn't be seen from a point of convenience.

[@kasturbayo8946]

This video is by far the most informational video i have seen on this topic.😊

[@ganeshpawankumar]

This is a wonderful video about the UPI apps, why G pay was not cover at all

[@sangeetras9705]

I use all pays,

[@AnkitSharma-vj4sj]

Hey! Think school, can you make a guide on how to research on a certain topic, what tools to use, how to cross check information etc. All students will appreciate it.

[@kirankumarsukumar]

A speaker you say will change things. Wow. Amazing.

[@devsanjay7063]

Thank you bro lots of thing learning from you than my teacher 🙏🙏🙏🙏🙏

[@manojramesh4598]

Phonepe vs paytm biggest jaggernaut fintech in country Meanwhile gpay : am i joke to you......why I'm sided?

[@centaurpheonix5959]

If you don't mind my brother, please put on a video that explains about the GST (goods services tax). I'm from northeast India, it's new to me and I need to understand it. Btw, you're so accurate in explaining things happening in and out of our country. Keep it up 👍 Jai Hind 🙏🇮🇳

[@Sourav_MadridCF]

Already gst ke upar video hai dekhlo

[@d-talks]

bro you're too good man, kudos to u

[@sharanviswanath]

Great video. Just a bit surprised that there are no study materials for this video:)

[@animex2002]

Personally I love using Paytm ever since i download it and i usually don't use Google pay and phonepay

[@megaHarshTiwari]

Same

[@ramchandrapattnaik3142]

same

[@Ninja-wn4wn]

Google pay is best

[@gamingwithxan1430]

@@Ninja-wn4wn because of simpler ui than others, though not simple enough to call easy(was simpler in early days). Support is just okish. While Paytm is there only because most older in market & advertisement & payment gateway. Otherwise worst in support. I always try to avoid paytm because of their multiple bad incidents. They do not return for failed transactions & no way to contact them. I consider paytm at worst list. Phonepe is there because it is also older, but mainly due part of flipkart's integration back then. Amazonpay also falls in bad design & no way to view transaction details. In this case gpay best. But gpay having integrated with google id also in cons.

[@ezhilmaniinbanathan5677]

Just wondering! A sound box lasts say X years, after that period I will check who is offering similar sound box at a cheaper price, what's so special here again? Phonepe or bhartpe can still give tough competition just like in upi space. My point here is paytm first mover advantage in no way acts as a moat

[@SatyamSingh-to9uy]

The sound box might give some leverage to its existing customers

[@ThinkSchool]

But your data and loan eligibility of soundbox will keep you with paytm

[@vlife99]

​@@ThinkSchoolBharat pe started with loan disbursement Paytm and others copied it.

[@daveblue1234]

Thanks for advertising Marcellus

[@harikrishnanjavahar6718]

Thank u for this vedio man

[@deepakmt92]

I started using Paytm even before UPI came. I am completely satisfied with their payments bank too. NB: A smallcase user too!