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Merchants Where Online Debit Card Transactions Can Be Done Using ATM/Debit Card PIN Amazon IRCTC Makemytrip Vodafone Airtel Tata
Merchants where online Debit Card Transactions can be done using ATM/Debit Card PIN Amazon IRCTC Makemytrip Vodafone Airtel Tata Sky Bookmyshow Flipkart Snapdeal icicipruterm Odisha tax Vodafone Bharat Sanchar Nigam Air India Aircel Akbar online Cleartrip Cox and Kings Ezeego one Flipkart Idea cellular MSEDC Ltd M T N L Reliance Tata Docomo Spicejet Airlines Indigo Airlines Adler Tours And Safaris P twentyfourBySevenBooking Abercrombie n Kent India Adani Gas Ltd Aegon Religare Life Insur Apollo General Insurance Aviva Life Insurance Axis Mutual Fund Bajaj Allianz General Ins Bajaj Allianz Life Insura mobik wik Bangalore electricity sup Bharti axa general insura Bharti axa life insurance Bharti axa mutual fund Big tv realiance Croma Birla sunlife mutual fund BNP paribas mutural fund BSES rajdhani power ltd BSES yamuna power ltd Bharat matrimoni Freecharge Hathway private ltd Relinace Citrus payment services l Sistema shyam teleservice Uninor ltd Virgin mobile Chennai metro GSRTC Club mahindra holidays Jet Airways Reliance Mutual Fund India Transact Canara HSBC OBC Life Insu CIGNA TTK Health Insuranc DLF Pramerica Life Insura Edelweiss Tokio Life Insu HDFC General Insurance IDBI Federal Life Insuran IFFCO Tokio General Insur India first life insuranc ING Vysya Life Insurance Kotak Mahindra Old Mutual L and T General Insurance Max Bupa Health Insurance Max Life Insurance PNB Metlife Life Insuranc Reliance Life Insurance Royal Sundaram General In SBI Life Insurance Star Union Daiichi Life TATA AIG general insuranc Universal Sompo General I -
Payments in Poland 2017
Payments in Poland, 2017 Selected pages from the original report by Inteliace Research October 2017 Version: 17.c Table of contents Executive Summary 3. Retail landscape (merchants) and payment methods Slide 23: Brick&mortar (b&m) vs. online retail landscape, 2015-2017 1. Payments in Poland and in Europe Slide 24: Key payments methods available in B&M and in online retail, 2017 Slide 1: Consumer markets in Europe, 2016 Slide 25: Survey on payment methods in 72 large online stores, Oct. 2017 Slide 2: Total payments in Poland, structure by type, 2012-2016 Slide 26: Online merchants & payment methods– case (1/3): Allegro Slide 3: Total payments: Europe vs. Poland, structure by type, 2016 Slide 27: Online merchants & payment methods– case (2/3): RTVEuroAGD Slide 4: Card payment volumes in Europe & in Poland (1/2), 2014-2016 Slide 28: Online merchants & payment methods– case (3/3): empik.com Slide 5: Card payment volumes in Europe & in Poland (2/2), 2016 Slide 29: Key players in specialized mobile payments (parking, public /municipal transportation, regional railways), 2017 2. Payments and payment infrastructure in Poland Slide 30: Use of payment cards as tickets in public transport Slide 6: Card payments in Poland, 2012-2017F Slide 31: Block chain technology & bitcoin in Poland: Exchanges, bitcoin Slide 7: POS infrastructure evolution in Poland, 2012-2017F acquirers, merchants, 2017 2017 Poland, in Payments Slide 8: Cards/terminals in Poland by functionality, 2Q2015-2Q2017 Slide 9: ATM networks in Poland, 2012-2017H1 Slide 10: ATM cash withdrawals -
India Fintech Sector a Guide to the Galaxy
India FinTech Sector A Guide to the Galaxy G77 Asia Pacific/India, Equity Research, 22 February 2021 Research Analysts Ashish Gupta 91 22 6777 3895 [email protected] Viral Shah 91 22 6777 3827 [email protected] DISCLOSURE APPENDIX AT THE BACK OF THIS REPORT CONTAINS IMPORTANT DISCLOSURES, ANALYST CERTIFICATIONS, LEGAL ENTITY DISCLOSURE AND THE STATUS OF NON-US ANALYSTS. U.S. Disclosure: Credit Suisse does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the Firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision. Contents Payments leading FinTech scale-up in India .................................. 8 8 FinTechs: No longer just payments ..............................................14 Account Aggregator to accelerate growth of digital lending ...............................................................................22 Digital platforms and partnerships driving 50-75%of bank business ...28 Company section ..........................................................................32 PayTM (US$16 bn) ......................................................................33 14 Google Pay ..................................................................................35 PhonePe (US$5.5 bn) ..................................................................37 WhatsApp Pay .............................................................................39 -
Fintech Newsletter: Recent Legal Developments and Market Updates in India
FINTECH NEWSLETTER: RECENT LEGAL DEVELOPMENTS AND MARKET UPDATES IN INDIA October 16 – December 31, 2020 Authors: Avimukt Dar | Suneeth Katarki | Namita Viswanath Shreya Suri | Shobhika Upadhyay | Nilima Pant | Shantanu Mukul 01 of 11 INTRODUCTION The Indian fintech market has continued to grow and In addition to the overall goal of a cashless economy evolve, with the Covid-19 pandemic accelerating through adoption of digital payment methods, there digitisation amongst consumers, micro, small and has been an increased focus on aspects such as medium enterprises (“MSMEs”), banks and other financial contactless payments, interoperability in payment institutions, including in rural and remote parts of India. systems, tokenization, development of cross-border First-time user cohorts who were constrained to transact digital payments infrastructure, global outreach of digitally during government-imposed lockdowns early India’s domestic payment systems, consumer protection, last year, have taken to using digital payment options in increased role of artificial intelligence and machine a big way, post the lockdown relaxations. In fact, more learning, and data governance. than two billion transactions were recorded in October, 2020 just through the Unified Payments Interface This newsletter highlights the key developments in the (“UPI”).1 Certain consumer behavioural changes with Indian fintech space from October 16, 2020 to December the recent pandemic, such as growth in the e-commerce 31, 2020. sector, teleconsultations, online streaming and -
Digital Payment Abhiyan Is Reaching out to All Corners of India Spreading Awareness on the Safety and Security Aspects of Digital Payments
Digital Payment Abhiyan is reaching out to all corners of India spreading awareness on the safety and security aspects of Digital Payments February 11, New Delhi: Digital Payment Abhiyan – a multilingual pan India campaign by Data Security Council of India (DSCI), in collaboration with Ministry of Electronics and Information Technology (MeitY) and Google India, spreading awareness on the safety and security aspects of Digital Payments – has reached out to 25 million individuals till date. The campaign has been rightfully reaching out to citizens from Tier II & Tier III cities as well as the urban population. Some of the locations with maximum outreach impact, as of now, remains Patna, Lucknow, Indore, Bengaluru, Hyderabad, Pune, Delhi, Jaipur, Chennai and Ahmedabad. Users across all age groups have been touched upon by the awareness campaign with 60% of the users being in the age group of 18-35 and gender participation has been well balanced with a 54:46 male: female ratio. The campaign content comprises of various awareness and fraud safety films, payment best practices, brochure, posters, payment fraud safety infographics, and more are being broadcast through digital mediums. The primary campaign content is available in Hindi, English, Tamil, Telugu, Bengali, Marathi and Kannada and the payment mediums chosen for awareness are UPI, Credit & Debit Card, Digital Wallet and Online & Mobile Banking. The campaign collaterals can be accessed at: www.dsci.in/digital-payment-abhiyan Digital Payment Abhiyan’s outreach success has been enabled by a broad cross-section of ecosystem partners who have all joined hands to spread the message. Airtel Payments Bank, Axis Bank, BharatPe, CID Karnataka, Google Pay, Government of Telangana, HDFC Bank, ICICI Bank, iMahila, MasterCard, NABARD, National Payments Corporation of India (NPCI), PayPal, Paytm Payments Bank Limited, PayU, State Bank of India (SBI) and VISA have come on board as campaign partners. -
Guidelines for Adoption of Electronic Payments and Receipts (EPR)
Document No: EPR: 01 Version: 1.0 November, 2016 Guidelines for Adoption of Electronic Payments and Receipts (EPR) Government of India Ministry of Electronic and Information Technology (MeitY) New Delhi –110003 Guidelines for Adoption of Electronic Payments and Receipts (EPR) Metadata of Document Framework for Electronic Payments and Receipts S. No. Data elements Values 1. Title Guidelines for Adoption of Electronic Payments and Receipts (EPR) 2. Title Alternative EPR 3. Document Identifier EPR:01 4. Document Version, month, year of Version 1, Nov 2016 release 5. Present Status Approved by Secretary Ministry of Communication & IT 6. Publisher Ministry of Electronics and Information Technology (MeitY), Government of India (GoI) 7. Date of Publishing Nov 2016 8. Type of Standard Document Guidelines ( Policy / Technical Specification/ Best Practice /Guidelines/ Framework/ Process) 9. Enforcement Category Recommended ( Mandatory/ Recommended) 10. Creator Ministry of Electronics and Information Technology (An entity primarily responsible for making (MeitY), Government of India (GoI) the resource) 11. Contributor Ministry of Electronics and Information Technology (An entity responsible for making (MeitY) and Controller General of Accounts (CGA) contributions to the resource) 12. Brief Description The Guidelines for Adoption of Electronic Payments and Receipts (EPR)of Government of India aims to harness the potential of electronic cashless payments platforms for various Payments or Receipts handled by Departments / Institutions. 13. Target Audience State Governments, Govt. of India Autonomous Bodies, (Who would be referring / using the Central Public Sector Undertakings and Municipalities document) 14. Owner of approved standard MeitY, New Delhi Version: 01 Page 2 of 39 Guidelines for Adoption of Electronic Payments and Receipts (EPR) S. -
Group Overview Performance Review Sustainability Review Governance Financial Statements Further Information
03 Prosus annual report 2020 Group overview Performance review Sustainability review Governance Financial statements Further information Group overview Contents 04 About this report 06 Directors’ report 12 Statement of responsibility by the board of directors 13 Group overview 14 Responding to Covid-19 16 Backing local; building global 17 Building long-term partnerships 18 Building positive impact around the world 19 Delivering sustainable value throughout the year 19 Our business model 20 Value creation this year 21 Chair’s review 23 Chief executive’s review 26 The world around us 29 Engaging our stakeholders 32 Capital allocation strategy We partner with entrepreneurs to empower people and enrich communities 04 Prosus annual report 2020 Group overview Performance review Sustainability review Governance Financial statements Further information About this report This annual report assesses our performance for the financial year ended 31 March 2020. We aim to provide a picture of our progress and impact on society. Our purpose Who we are Our approach Managed on Creating a Sustainability Reporting From India to Russia, We are a global We think global but strong foundations positive impact We are committed Central and Eastern Europe, consumer internet group often back local teams. We understand the risks Delivering performance to operating as a In line with best practice the Middle East, Africa and one of the largest We rigorously manage we take and try to manage and value for all sustainable business for integrated reporting, and Brazil – well over technology investors our assets and capital these to minimise their our stakeholders. that makes a lasting we report on the six a billion people around in the world. -
Tokyo 100Ventures 101 Digital 11:FS 1982 Ventures 22Seven 2C2P
Who’s joining money’s BIGGEST CONVERSATION? @Tokyo ACI Worldwide Alawneh Exchange Apiture Association of National Advertisers 100Ventures Acton Capital Partners Alerus Financial AppBrilliance Atlantic Capital Bank 101 Digital Actvide AG Align Technology AppDome Atom Technologies 11:FS Acuminor AlixPartners AppFolio Audi 1982 Ventures Acuris ALLCARD INC. Appian AusPayNet 22seven Adobe Allevo Apple Authomate 2C2P Cash and Card Payment ADP Alliance Data Systems AppsFlyer Autodesk Processor Adyen Global Payments Alliant Credit Union Aprio Avant Money 500 Startups Aerospike Allianz Apruve Avantcard 57Blocks AEVI Allica Bank Limited Arbor Ventures Avantio 5Point Credit Union AFEX Altamont Capital Partners ARIIX Avast 5X Capital Affinipay Alterna Savings Arion bank AvidXchange 7 Seas Consultants Limited Affinity Federal Credit Union Altimetrik Arroweye Solutions Avinode A Cloud Guru Affirm Alto Global Processing Aruba Bank Aviva Aadhar Housing Finance Limited African Bank Altra Federal Credit Union Arvest Bank AXA Abercrombie & Kent Agmon & Co Alvarium Investments Asante Financial Services Group Axway ABN AMRO Bank AgUnity Amadeus Ascension Ventures AZB & Partners About Fraud AIG Japan Holdings Amazon Ascential Azlo Abto Software Aimbridge Hospitality American Bankers Association Asian Development Bank Bahrain Economic Development ACAMS Air New Zealand American Express AsiaPay Board Accenture Airbnb Amsterdam University of Applied Asignio Bain & Company Accepted Payments aircrex Sciences Aspen Capital Fund Ballard Spahr LLP Acciones y Valores -
Digital Payments: on Track to a Less-Cash Future
06 November 2019 SECTOR UPDATE INDIA INTERNET Digital Payments: On track to a less-cash future Digital Investment focus Key enablers - transactions to to shift from Payment gateways; reach USD 41tn wallets to other QR; POS by FY25 payment modes 6 November 2019 SECTOR UPDATE INDIA | INTERNET TABLE OF CONTENTS Prince Poddar [email protected] 03 Introduction Tel: (91 22) 62241879 04 Focus Charts 06 Fintech – attracting investments from global VCs Swapnil Potdukhe [email protected] 07 Payments industry in India Tel: (91 22) 62241876 09 Landscaping the digital payments industry 10 Sizing the digital payments market Pankaj Kapoor [email protected] 12 Digital payment infrastructure Tel: (91 22) 66303089 14 Pay-modes which enable digital payments 15 Business economics for digital payments enablers 17 Future of digital payments: Key themes • Evolving use-cases in digital payments • Positioning of payment gateway aggregators • POS deployment – government’s digital agenda • POS penetration to aid higher card transactions • UPI to lead the growth in digital payments • Will wallets be able to survive the onslaught of UPI? 26 Government’s smart initiatives for digital payments 28 Survey – online survey on digital payments 29 Funding of payments intermediaries in India 33 How are digital payments faring globally? 35 Takeaways from management meetings 36 Company Profiles 60 Appendix JM Financial Research is also available on: Bloomberg - JMFR <GO>, • How have the digital payments evolved in India? Thomson Publisher & Reuters • How card transaction processing works? S&P Capital IQ and FactSet and Visible Alpha Please see Appendix I at the end of this report for Important Disclosures and Disclaimers and Research Analyst Certification. -
Market Updates and Recent Legal Developments in India
FinTech Newsletter | J a n u a r y 1 6 , 2020 - A p r i l 30, 2020 MARKET UPDATES AND RECENT LEGAL DEVELOPMENTS IN INDIA Despite the global market slow-down owing to the recent outbreak of the COVID-19 pandemic, the Indian fin-tech sector has done exceedingly well this past quarter. The continued investments in this space are important for a developing economy to augment pan-India financial integration and inclusion. In addition to developing innovative products to cater to marginalised sections of the population, fin-tech enterprises have also been increasingly bundling their services with banks to rely on the latter’s distribution and strong payment networks. This shows the evolving relationship between banks and fin-tech entities, which is no longer just competitive, but is also focused on leveraging synergies. The social distancing measures being encouraged because of the pandemic have led to a significant increase in the number of users transacting on digital payment applications and using online banking services. According to the Global Real-Time Payments Report released by ACI Worldwide1 (“ACI Worldwide Report”), more people, governments and businesses are embracing digital payments in this crisis. Reports indicate that fin-tech applications and several banks have witnessed more than double the usual registrations for their online services during this period of social distancing.2 This transition is likely to change the overall behavioural pattern of users in the Indian economy, with more people continuing to use and trust digital financial services once the crisis is over as well, resulting in long term benefits for the fin-tech industry. -
Payubiz Integration Document
Strictly Confidential PayUbiz Integration Document 9th Floor, Bestech Business Tower Sector 48, Sohna Road Gurgaon, 122002 India T: 0124-6749078 F: 0124-6749101 PayU Integration Document - Version 2.11 Page 1 Table of Contents (Click on the topic for direct access) OVERVIEW 4 PayU Payment Gateway 4 Payment Process Flow 4 SECTION I: WEBSITE INTEGRATION 5 Steps for Integration Process 6 Parameters to be posted by Merchant to PayU in Transaction Request 8 Seamless Integration – Parameters in Transaction Request 17 Additional Charges – Convenience Fee Model (To be used only if recommended by Account Manager at PayU) 18 Method 1: Enabled from backend at PayU 18 Method 2: Merchant Calculates and Posts Additional Charges to PayU 19 Important Things to remember: Characters allowed for parameters 20 Formula for hash (checksum) before transaction 21 Formula for hash (checksum) after transaction 21 Hash (Checksum) Algorithm Example codes 21 For PHP 21 For .NET 21 For JSP 21 Response Parameters posted by PayU to Merchant in redirection 22 Sequence Diagram for Cardless EMI 27 Cardless EMI Additional Response(Server to Server) 27 Whitelisting Required 31 Data Sharing between PayU and Merchant for Cardless EMI 31 Shopping Cart Integration Kits 33 Platform based Integration kits 34 SECTION II: WEB SERVICES – APIs 35 Web Service Request Format: 35 Web Service Response Format 36 LIST OF APIs AND THEIR DESCRIPTION 36 PayU Integration Document - Version 2.11 Page 2 verify_payment 36 cancel_refund_transaction 39 check_action_status (1ST Usage) 42 check_action_status -
STS Introduced Pay Pal As a New Payment Method STS Is the Only Bookmaker in Poland Cooperating with Paypal
Warsaw, 2 July 2020 STS introduced Pay Pal as a new payment method STS is the only bookmaker in Poland cooperating with PayPal STS – the largest bookmaker in Poland which also operates on several European markets – has implemented a new method of depositing funds into STS accounts. Thanks to the PayPal digital wallet, STS players can deposit funds into their account conveniently and safely, with no need to share their financial details. The PayPal service is available to all STS customers in Poland. STS is the only bookmaker in the country that offers PayPal payments. STS is an undisputed leader of the Polish bookmaking market, which continuously invests in modern solutions for players, but also in their comfort when using services. The possibility to make payments to STS accounts with the use of a PayPal internet account is a convenience, thanks to which players can quickly and safely deposit funds to their account. Mateusz Juroszek, President of STS. The PayPal system provides access to an online account, making it easier for users to make online payments, without the need to share their financial details. In addition to PayPal, funds can also be transferred to the company's account by quick transfers via payment services such as PayU, Dotpay and Tpay, digital wallets such as Skrill and Neteller, Paysafecard, as well as at one of STS's stationary points. Thanks to numerous investments in the development of its betting offer, modern technologies and new functionalities for users, STS has increased its revenues over tenfold – from PLN 220 million to PLN 3.15 billion – in the last six years.