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india-fintech
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# india/fintech
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---
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## Agenda
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- Some demos
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- How money moves around?
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---
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## Ways to move money
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- NEFT/RTGS/IMPS
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- UPI
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- Wallets
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---
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## How money moves
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```sql
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UPDATE balance set current=current-amount WHERE id=source
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UPDATE balance set current=current+amount WHERE id=destination
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```
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---
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## How money really moves
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![](rube.jpg)
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- [Source](https://krypt3ia.wordpress.com/2011/11/15/infosec-the-worlds-largest-rube-goldberg-device/)
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---
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# CBS (Core Banking System)
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---
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# payments v/s transfers
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## merchant
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## payer
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## payee
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---
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# payments v/s transfers
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## merchant
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business that takes your money
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## payer
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the person paying
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## payee
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someone else getting your money
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---
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# P2M / P2P
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- Payer to Merchant
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- Payer to Payee
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---
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# wallets
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(private ledger / PPI)
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---
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# DEMO - Paytm (P2M)
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---
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# pre-demo
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- $1 = ₹ 73
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- Payer = NEMO
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- Merchant = Paytm
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- Payment Method = *
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---
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# DEMO - UPI
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