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Cashfree, Razorpay, and peers’ Rs 60,000 crore problem as India bans real-money gaming

A ban meant to curb addiction has wiped out the business model behind India’s hottest payment aggregators as well as fintech lenders

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What happens when Indian unicorns go shopping for AI tools?

AI is opening up a bundle of contradictory experiences for India’s workforce, blurring multiple lines

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How a well-timed offensive crippled Juspay’s $150 million fundraise

The standoff has cost the payments orchestrator in its latest funding round; merchant support, though, seems more enduring

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Razorpay and Cashfree woke up and chose violence

And Juspay counts on merchants to come to its aid after the two payment aggregators parted ways with it

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RBI dug a pit for Razorpay. Razorpay just built a ladder

The last quarter was the company’s best in two years as it scrambles to onboard merchants and tries to make the most of a year-long regulatory ban

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‘Every payment aggregator should be scared of Phonepe’

Those were the words of a rival fintech about Phonepe’s barely-year-old payment aggregator. Why has it got some in the industry worried?

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What does Razorpay have to show for its $150 million Ezetap acquisition?

To give its digital-only identity a facelift, the payments giant zeroed in on a lucrative offline market. But it’s proving a tougher nut to crack—even if there's a Paytm*-shaped void

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Razorpay keeps 10,000 merchants waiting, courtesy of RBI

It has been nearly a year since the central bank restricted the fintech from onboarding new merchants for its payments-gateway business; the impact is only being felt now

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PayU faces uphill task to regain its lost edge

A failed acquisition, loss of market share, a pending licence to operate—payments provider PayU has its work cut out

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IPO-bound Pine Labs’ diversification push has a gift-card bias

The PoS solution provider has been busy loading up companies to create multiple revenue streams. But it’s the gifting, discounts, and loyalty-card business that’s powering its growth

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The key to US$7.5B Razorpay’s neobank success: payroll management?

The payment gateway is doubling down on payroll management to grow its neobanking platform, RazorpayX. But its self-imposed limitations could prove to be counterproductive

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The Collison brothers are yet to earn their Stripes in India

Stripe came to India six years ago to disrupt payments. Instead, it got disrupted by regulation and its own policies. Now, it’s at a crossroads where India is both an important market and a challenging one

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India’s 3-month reprieve from another regulatory curveball: card tokenisation

If India’s card tokenisation rules had kicked in on 1 July as planned, it would have upset online commerce for millions of India's merchants. The banking regulator’s third extension has taken the deadline to September, but three months may not be enough for stakeholders to get it together

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In October, RBI broke recurring payments. India’s payments ecosystem is still fixing it

It’s been seven months since the rules for card-based recurring payments changed after the banking regulator’s mandate. Even now, 30%-75% of transactions are failing. Who is to blame?

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The Interview: Postman’s Ankit Sobti on how API is eating software

APIs may have emerged as a critical part of the software ecosystem lately, but SaaS unicorn Postman—which ratcheted up half a million users even before the company was incorporated—was one of the first to recognise their potential

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India’s instant loan app crisis is made in China

Rising demand for credit and multiple policy loopholes have made India’s lending sector a fertile ground for illegal Chinese instant loan apps. Google can’t help, RBI’s help isn’t enough. Caught in their nets are unaware borrowers who face abuse and harassment from collection agents

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Has Y Combinator failed in India?

Despite investing in over 50 startups in India, Y Combinator doesn’t have a single Indian unicorn in its lineup. Locally-tailored beginnings and an unattractive early investment model may have limited its impact on Indian founders

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Bajaj, Razorpay, Zerodha carry the Indian fintech torch

Last year, an escalating bad loan and liquidity crisis stripped the hype from fintechs and revealed which companies were truly gaining ground in digital finance. And they lay the foundation for the new decade

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Startup school to SaaS: Binny Bansal’s xto10x stepping stone

For his second act, erstwhile Flipkart co-founder and newly-minted billionaire, Binny Bansal didn’t choose investing or a new consumer startup. Instead, he set up xto10x, a school for growth-stage startups in India. This school, though, lays the foundation for a SaaS company

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Up all night: Capitalising on India’s big sleep gap

India is a sleep-deprived nation, if latest reports are to be believed. And what’s worse is that Indians often romanticise not sleeping. But startups focused on ‘sleep tech’ see an opportunity; and it’ll be a while before they hit snooze on their plans

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Fuelling the gig entrepreneur engine

Hidden within India’s millions-strong gig economy are the gig entrepreneurs. Young, skilled, tech-savvy, and looking to earn handsomely

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The Razorpay payments Matrix: Can this Neo bank be The One?

Razorpay is developing a payments matrix. To reinvent itself as a market leader of payment gateways by 2020 with a 450% growth. And so, it has styled itself a neo bank, in anticipation of a pay off

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Qwikcilver: Pine Labs sends itself a $110-million online gift voucher

Offline payments processor Pine Labs is going online with its acquisition of gifting platform Qwikcilver. There is little precedence for this move even globally. While there’s a first-mover advantage, it is a risky move

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The demonetisation break: PayPal’s tricky bet on India

The US payments company is riding on its traditional legacy factors like trust and reliability to gain users. But despite the timing, will these factors draw in Indian customers?

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What’s pinning down Instamojo and Razorpay?

The two nimble fintech startups are at an inflection point. Their existing businesses are no longer enough for them to grow. What now?

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Stripe Inc will need a new set of stripes for India

The hip payment solutions company is weeks away from a limited roll-out in India. In a crowded market, Stripe needs to draw a new strategy to find acceptance

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