Inkundla yokukhokha i-PPRO isanda kuvala ama-euro ayizigidi ezingu-85 (amaRandi ayizigidi ezingu-92) ekuxhasweni ngabatshalizimali abakhona nabasha.
"Lezo zigidi ezingu-85 ziphendule amakhanda amaningi, ngoba ukuthola uxhaso kuleso sikali kuphambene nezinhlamvu ze-fintech kulezi zinsuku," kusho u-Tristan Chiappini, umqondisi ophethe we-PPRO waseSingapore kanye nesekela likamongameli wase-Asia Pacific.
E-Asia, ukubheja okukhulu imali ezokwazi ukukukhokhela kuseNdiya, lapho izindlela zokukhokha ezikhulayo zedijithali zengeza ukuthengiselana okwengeziwe okucutshungulwa yi-fintech.
“Sinebhodi lokuntweza ngaphansi kwekhwapha ukuze sigibele igagasi lokuthengiselana,” kusho uChiappini.
Ukwesekwa kwesitaki saseNdiya
Ngaphezu kwamabhizinisi ase-Australia, e-China naseSingapore (lapho inkampani isanda kuthola khona ilayisense yomhlinzeki wezinkokhelo zesikhungo), uChiappini uthi i-India yilapho i-fintech "iphinda kabili phansi".
Izinombolo zaseNdiya zinkulu. Isamba esichithwe ku-inthanethi sedijithali e-India sifinyelele ku-$81 billion ngo-2023, ngokusho kwe-PPRO. Le nkampani ibikezela ukuthi lelo nani lizofinyelela ku-$137 billion ngo-2027. Kuleyo misebenzi yedijithali, namuhla amaphesenti angu-80 enzeka nge-UPI, noma i-United Payments Interface, isevisi yontanga eyingxenye ye-"India Stack".
Leso sitaki siphethwe yi-National Payments Corporation of India, isikhungo sikahulumeni. I-NPCI yenze isivumelwano ne-PPRO sokuvumela amaNdiya ukuthi akhokhele imikhiqizo namasevisi e-e-commerce aphesheya esebenzisa i-UPI.
Ekhaya, i-UPI idinga nje umthumeli ukuthi afake inombolo yeselula yomamukeli. Uhulumeni uphinde wengeza izici ezifana nezinkokhelo ezizenzakalelayo neziphindelelayo, ukuhlanganiswa kwe-akhawunti, nemiyalo enikwe amandla izwi kubantu abangenawo ama-smartphone.
I-PPRO ilinganisela ukuthi i-UPI izophatha imisebenzi engaphezu kwebhiliyoni elingu-1 ngosuku ngo-2026.
Ikhadi linqatshiwe
I-fintech akuyena kuphela umdlali obambe iqhaza ekwandiseni i-UPI ukuze isetshenziswe kumasevisi aphesheya. Ezinye izinhlangano zihlanganisa i-Reserve Bank of India, amabhange ezentengiselwano, kanye 'namathuluzi okukhokha kusengaphambili' amathathu ahamba phambili (abasebenzi be-wallet abasiza ukukhokha kwe-UPI), i-PhonePe, i-Google Pay kanye ne-Paytm.
Imodeli yebhizinisi ye-PPRO ukwenza lula izinkokhelo eziwela imingcele kubasebenzisi bomzila wokukhokha wasekhaya. Emazweni afana ne-India, enokulawulwa kwezimali, kuvame ukuba nzima kubantu bendawo noma amabhizinisi ukusebenzisa amakhadi esikweletu ukuze bathenge izimpahla namasevisi ezinkundleni zamazwe ngamazwe. Abathengisi kufanele bagcwalise i-KYC enzima kanye namaphepha ukuze agunyazwe.
Ngenxa yalokho, ukuthengiselana kwamakhadi kuvame ukuvinjwa. Laba bathengisi bangakwazi ukufinyelela ku-UPI, nokho, ngakho i-PPRO ihloselwe ukuhlanganisa leyo ngqalasizinda yasekhaya kumanethiwekhi omhlaba wamakhadi esikweletu.
Ngaphezu kwalokho, ngonyaka odlule i-RBI yephula ama-fintechs wendawo ahlinzeka ngama-workaround, okwenze kwaba nzima kumabhizinisi e-e-commerce omhlaba njengeNetflix noma iSpotify ukucubungula okubhaliselwe okusekelwe eNdiya. Lezo zinkampani kwadingeka zakhe imisebenzi ogwini.
Ibhizinisi le-PPRO alivamisile ukunakekela abathengisi ngokuqondile. Amakhasimende ayo ama-fintech, abazuzi bomthengisi, namabhange. Endabeni yaseNdiya, ayizami ukunikeza zonke izinkokhelo zamazwe ngamazwe; ikhetha ukuhlala maphakathi namaphasishi anenzuzo enkulu, njengaphakathi kwe-India ne-US (okungukuthi, ukusiza amaNdiya akhokhele izinsiza zobuchwepheshe zase-US ezifana ne-Netflix).
Futhi kusiza amabhizinisi aseNdiya ukuthi athengisele abathengi baphesheya abasebenzisa izixazululo zokukhokha ze-fintech zendawo, kungaba i-AfterPay e-Australia, Klarna eYurophu, noma i-Grab Pay eNingizimu-mpumalanga ye-Asia.
Kusukela ku-P2P kuya ku-ecommerce
UChiappini uthi ukusebenza kwe-UPI okuwela umngcele kufanele kube bukhoma kuleli hlobo. Kuyinkonzo yendlela eyodwa, esiza amaNdiya ukuthi achithe ku-ecommerce phesheya kwezilwandle.
Ngokuhamba kwesikhathi, ucabanga ukuthi kuzoba namathuba esifundeni ama-fintech afana ne-PPRO ukunika amandla izinkokhelo ze-ecommerce eziwela umngcele phakathi kwezimakethe zasendaweni. Lokhu kuzogibela phezu kwezivumelwano zamazwe amabili zohulumeni zokuxhumanisa izinhlelo zabo zokukhokha zasekhaya ngesikhathi sangempela.
Lezi zinhlelo ze-nascent azilingani futhi zingokwezinkokhelo zenani eliphansi le-P2P. Lokho akumeleli inselele kumabhange oxhumana naye esebenzisa imilayezo ye-Swift, noma amakhadi esikweletu. Futhi ayibhekani nesidingo esikhulayo sokusetshenziswa kwemali kumasevisi e-e-commerce yamazwe ngamazwe, njengeminikelo ye-SaaS yamabhizinisi noma ukubhaliswa kwedijithali kwabathengi.
Ukufika lapho kuyithemba lesikhathi eside. Isibonelo, i-Singapore ixhume ingqalasizinda yayo ye-PayNow ku-UPI kanye ne-PromptPay yaseThailand. Kodwa abantu base-Bangkok nase-Bangalore abakwazi ukusebenzisa lokhu ukuze bahwebelana. Lokhu kunciphisa ukuhweba nge-e-commerce phakathi kwamazwe abamba iqhaza.
UChiappini uthi injabulo enkulu ngokuxhumanisa izimakethe zase-Asia izinkokhelo zasekhaya izophela. “Kufana nokuvula amabhange eminyakeni emihlanu edlule: izinkulumo eziningi ezigcine ngokuphoxeka. Kuyafana nokusebenzisa i-bitcoin ukukhokha. ”
Leyo enye indlela yokusho, abakwa-fintechs abakhokhayo balindele ukuthi kusale amagagasi amaningi ezinkokhelweni eziwela umngcele ukuze bantweza.
- I-SEO Powered Content & PR Distribution. Khuliswa Namuhla.
- I-PlatoData.Network Vertical Generative Ai. Zinike Amandla. Finyelela Lapha.
- I-PlatoAiStream. I-Web3 Intelligence. Ulwazi Lukhulisiwe. Finyelela Lapha.
- I-PlatoESG. Ikhabhoni, I-CleanTech, Amandla, Environment, Ilanga, Ukuphathwa Kwemfucuza. Finyelela Lapha.
- I-PlatoHealth. I-Biotech kanye ne-Clinical Trials Intelligence. Finyelela Lapha.
- Source: https://www.digfingroup.com/ppro-upi/
