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Paytm: Accelerating Growth through Diversification
內容大綱
Paytm Payments Bank Limited (Paytm) was the leading firm in the digital wallet (also known as the “mobile wallet” or “e-wallet”) industry in India; yet, the company had reported a loss of more than INR15,485 million for fiscal year 2016. Paytm’s resources were stretched further when, on May 23, 2017, it started its long-awaited payments bank operation. There were also doubts about the viability and sustainability of the online payments industry in general as a result of; India’s demonetization exercise in 2016; the introduction of the uniform Goods and Services Tax in 2017; and a general slowdown in the economy’s growth rate. In the highly competitive and crowded banking sector, how could Paytm survive, grow, and achieve continued success in this complex business landscape?
學習目標
This case is appropriate for use at the undergraduate or graduate level. It can serve as a useful addition to courses in strategic management; business and government relations; banking and financial services; and general management. After using the case, students will understand the following:<ul><li>The e-wallet business model, including its scope and limitations in the Indian environment</li><li>The importance of government actions and regulations in radically transforming the business landscape</li><li>The payment bank model and its growth potential</li><li>The prospects and challenges of a next-generation start-up that is trying to break into highly competitive and complex markets</li></ul>