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slides for short 10 minute talk on payment-systems-in-india
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## payment systems in india
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---
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Ref: https://events.ccc.de/camp/2019/wiki/Session:Payment_Systems_in_India_(Rescheduled)
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---
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# rbi
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reserve bank of india
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---
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# banks
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## Public
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- State Bank of India ($590B)
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- Punjab National Bank ($120B)
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## Private
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- HDFC ($220B)
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- ICICI ($140B)
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Total More than 1500 banks.
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Public=Govt is majority owner
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---
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# npci
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natonal payments corporation of india
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- umbrella organization
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- owned by banks
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- authorized by rbi
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- operates retail payments in india
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- not-for-profit
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(not a government entity)
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---
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<!-- effect=explosions -->
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## all the ways you can pay
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### digitally
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---
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# numbers
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- adult population (800M)
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- bank accounts (1.6B)
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- debit card (660M)
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- credit card (30M)
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(might be a few years old)
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---
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## card payments
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- 3D Secure (2FA mandate)
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- RuPay Card network (run by NPCI)
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- 4M PoS devices
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(PoS = Point of Sale)
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---
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<!-- ## cbs
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core banking system
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--- -->
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## NEFT/RTGS/IMPS
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Bank-Bank transfer
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- RTGS: National Electronic Fund Transfer (run by RBI)
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- RTGS: Real Time Gross Settlement (run by RBI)
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- NEFT runs at 30 minute batches 24x7x365
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- IMPS is instant
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---
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# historically:
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- NEFT would run once every business hour
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- RTGS would be real-time but only support high-value transactions to keep loads bearable
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---
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# wallets
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![](paytm.jpg)
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---
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# pre-payment-instrument
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- Gift Cards
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- Meal vouchers
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(Things that are currency, but not really currency)
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---
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# wallets = ppi
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bank account -> wallet
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your wallet = ledger
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- transactions
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- p2p transfers
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---
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# sachet economy
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- wallet bloom
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- no 2FA!
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---
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# NOV 09 2016
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---
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# UPI
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Unified Payments Interface
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---
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- mobile-first
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- shared-banking-platform
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- works-across-banks
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- run by npci
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- 25+ apps on both Android/iOS
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---
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1. authenticate with your phone number
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2. pick a bank account
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3. transact with your PIN for your bank account
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---
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## current players:
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- PhonePe (owned by Flipkart->Walmart) (20-30%)
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- WhatsApp (FB) (in beta)
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- GPay (30-60%)
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- Paytm (5%)
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---
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# interested in more?
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- Tuesday 1st Sep
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- 1730 UTC / 1300 EST / 2230 IST
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- (spoilers)
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