Paytm started as a digital wallet based platform focussed on mobile SIM top-ups
and utility payment in 2010. However in the last four years, Paytm has evolved into a
comprehensive payments ecosystem.
Paytm’s business model is now a group of synergistic payments and fintech
platforms that benefit from strong customer acquisition channels of the super-app
and merchant payment platform.
Strategies used by the Company
Realigning methods to focus on merchant payments instead of chasing the
revenue less UPI land-grab:
The Company is building a comprehensive merchant payments solution for
both online and offline merchants.Paytm’s peer to merchant payment
volumes have grown at a CAGR of 67% over the last three years and now
process ~$52 billion of P2M transactions.

Revenue Monetisation:
Paytm Credit Tech has started to make strong progress in building a
revolving credit product on its app, that users can spend within its ecosystem
and across the UPI universe.
Investment in the acquisition and strategic partnership:
This can help the Company
1. Increase reach to customers or merchants
2. Increase the engagement of customers or merchants with the Paytm
ecosystem
3. Provide services to customers or merchants that can increase the
Company’s revenue
Creating new business segments such as wealth management:
1. Paytm payments Bank launched fixed deposit on the Paytm app
2. Paytm Gold allows customers to purchase 24-karat pure gold,with
quality assurance
3. Paytm Money offers mutual funds, equity and futures and options trading
through a registered investment advisor license and equity broking
license from SEBI.
Paytm Shares are in high demand in the unlisted market as it files for IPO for its Rs 16,600 crore issue. This IPO is the biggest in India’s stock market history.