RISE AND FALL OF PAYTM
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RISE AND FALL OF PAYTM
Yashaswini Paramesh, YashRaj K S
Under the Guidance of Dr. Parul Tandan, Associate Professor
Dayananda Sagar Business School, Bengaluru, Karnataka
Abstract
Digital payment methods are prevalent nowadays. Paytm is the leader in digital payments in India. After demonetization, there is a growth in use of e-wallets. The objective of the study was to find the reasons of using Paytm and to investigate the effect of gender on the use of Paytm. The data have been collected through online survey filled by 50 respondents.
Purpose:
The study aims to analyse the rise and fall of Paytm, focusing on its financial performance, investment ratings, user satisfaction, and regulatory challenges. It also explores the role of fintech in India's banking and finance sector.
Findings:
Paytm's IPO was India's largest but faced investor scepticism due to profitability concerns. Investment banks downgraded Paytm’s rating due to revenue risks and executive attrition. Users appreciate Paytm's convenience, discounts, and security but report issues like failed transactions and regulatory uncertainties. Paytm's expansion into lending and financial services signals potential for growth but requires improvements in trust and compliance.
Research Limitations
The study is based on a small sample size, which may not fully represent Paytm's diverse user base.The research primarily relies on survey responses, limiting the ability to track real-time financial and regulatory developments.
Keywords:
Paytm, Digital Payments, IPO, Fintech, Investment Ratings, Financial Performance, User Satisfaction, Regulatory Challenges, Lending Services, Market Competition.