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