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Acquisition By Bank Or NBFC Best Scenario For Paytm: Bernstein Bernstein said that such a partnership may help banks, looking to build consumer-focussed apps, leverage Paytm’s customer base to cross-sell non-bank products A large investment for a sizable stake from a major corporate house would likely enable Paytm to revive its business faster and stave off future regulatory shocks, said Bernstein The brokerage firm also projected that the troubled fintech major “in its current form” was well-poised to achieve profitability by FY27 https://lnkd.in/gBvTF3Pq

Stock market analyst Bernstein has come up with a new report on Paytm Report states 3 outcomes for the fintech 1. Go solo and expected to achieve profitability by 2027 2. Merge with a bank/NBFC: Best outcome possible in the current scenario 3. Investment from a corporate entity: Help a large conglomerate get access to a sizable user base and also protect the brand from regulatory shocks My latest for ETtech #fintech #profitability #payments #bernstein #paytm https://lnkd.in/gQSav_8H

Paytm's cost efficiency and loan growth set to drive EBITDA gains by FY27 Key regulatory approvals, including NPCI’s recent approval for new UPI user onboarding, bolster Paytm’s expansion plans while growth in financial services, particularly through DLG model loans and increased credit card distribution, adds to the company’s long-term growth prospects. #ETBFSI #BFSI #PaytmGrowth #DigitalFinance #FintechIndia #LoanGrowth #UPIExpansion #FinancialServices #CreditCardDistribution #DLGModel https://lnkd.in/gtfjseFZ

In a major blow to fintech services provider Paytm, the Reserve Bank of India (RBI) barred its payments bank subsidiary, Paytm Payments Bank Ltd (PPBL) from obtaining further deposits and top-ups in its accounts or wallets from February 29. #regulation #digitalpayments #licensing #compliance

RBI scrutiny make investors cautious on fintechs In the last 12 months, the fintech industry has grappled with enhanced regulatory oversight. The RBI’s recent directive asking bellwether Paytm Payments Bank to shut down a majority of its operations is indicative of its tough stance. #financekaart #fintech #rbi #investors

In his latest feature story, Suprita Anupam delves into the CREDverse. He reports that Cred aims to provide a premium experience to credit card users through a range of exclusive products and services. Among many other things, Suprita and our cofounder Ankur Bansal discussed the impact of regulatory challenges on fintechs. Ankur said that fintechs must be ready to plug every possible loophole. He explained, "While building a fintech brand, you can't shy away from regulators for long. It will not help the brand grow. It is only natural for CRED to seek regulatory compliance to incorporate more products and services and build user trust. Razorpay has also gone through similar cycles. So, regulatory compliance will be part and parcel of a business if it wants to be part of a new asset class. However, CRED has acquired a fresh set of businesses and managing them is easier said than done". This in-depth feature-story is a great read! Shouldn't miss out. https://lnkd.in/gfQV_bv4 Inc42 Media

One 97 Communications, the parent company of Paytm, has decided to discontinue inter-company agreements with Paytm Payments Bank. #newsupdates #newsupdate #newsfeed #newsflash #newsheadlines #newshighlights #businessnews #businessupdates #businessupdate #paytm #paytmpaymentsbank #paytmbank #paytmcrisis

In recent times, Paytm, the poster boy of #fintech industry has found itself mired in a crisis that has sent shockwaves through the digital finance sector and beyond. The saga began with allegations of data breaches and escalated with regulatory scrutiny. Leading to a recent significant erosion, when it's founder Vijay Shekhar Sharma resigned from his position. Despite the challenges, this once-promising company still possesses strengths and resources that could enable it to rebound. #fintechnews #tech #paytmpaymentsbank #paytmcrisis #rbi #regulatorycompliance Read below "Paytm faces crisis: A timeline of events and future prospects":

#NewsUpdate Paytm Payments Bank will cease operations starting today. While users can still withdraw or transfer funds from their accounts, they will no longer have the option to make deposits. For more information, read: https://ow.ly/vlC550QUhm6 #PaytmPaymentsBank #BankingNews #DigitalBanking #FintechUpdate #OnlineBanking #FinancialServices #BankingTech #PaymentSolutions #BankingIndustry #MobileBanking

Aditya Birla Finance Limited, others may have invoked Paytm’s loan guarantees Aditya Birla Finance, one of the key lending partners for One 97 Communications-owned Paytm, is learnt to have invoked loan guarantees which the fintech firm had provided to the lender in lieu of repayment defaults from customers, people in the know of the matter told ET. Others like Piramal Finance and Clix Capital have also pulled the plug on their partnerships with Noida-headquartered Paytm, signalling the stress in the company's lending business. For Paytm, which made nearly 21% of its overall quarterly revenue from financial services, a hit on its lending business could be damaging. ABFL invoking the guarantees would also have a direct impact on its top line. By Pratik Bhakta & Samidha Sharma Read here: https://lnkd.in/gABEtvWJ