Group 1
Paytm Business Model Canvas
BMC Elements Growing the payment business Establishing a Market place Moving to offline payments
Key Partners ● Telecom Operators ● Merchants ● Retail outlets (groceries, fruits
● Transportation Companies ● Third party logistics players & vegetables etc)
○ Uber ● Authorized dealers ● Transportation vertical
○ Meru Cabs ● Local City Merchants stakeholders (Parking and
○ M-TAXI ● Brands petrol pumps)
○ Jugnoo ● Small and Medium sized local ● Quick service restaurants
● Bus Operators Indian firms
● Airlines ● Alibaba
● Private and government owned ● Import houses
utility firms ● Citibank
● DTH Service Providers ● E-commerce platforms
● Travel agents, Hotels and other ● Third party loan providers (to
travel platforms merchants)
● Indian railways
● Movie multiplex chains
● Schools and Colleges
● NHAI
● Merchants
Key Activities Front-end activities: Front-end activities ● Implementation of QR code
● Payment Gateway ● Paytm Bazaar for offline payments
● Mobile Recharge Back-end activities ● Building and running beta run
● DTH Recharge ● Creating an informal network of for samples cities
● Cab bookings trained and certified e- ● Building and training a
● Bus ticket bookings commerce specialists called dedicated sales team
● Railway tickets and meal Paytm force ● Setting up Paytm call center
bookings ● Helping merchants cheaply ● Acquiring & Onboarding
● Utility Payments source products from China merchants
● P2P Fund Transfer Services ● Arranging loans to merchants
● Hotel Bookings
● Flight bookings
● Cashless toll payments
Group 1
● Customer support
Back-end activities:
● Develop and upgrade the app
● Maintenance of the app
● KYC authentication
● Collaborating with partners
● Marketing
Value Proposition One-stop payment solution across wide One stop ecommerce marketplace with a Hassle-free cashless payments at
range of services enabling easy and fast wide ranging structured and offline stores
payments unstructured product with seamless and
fast payment option
Customer Relationship ● Discounts and cashbacks to ● Integration of paytm wallet in ● Call center to attend to
increase frequency of use of the the ecommerce section queries of merchants
app ● Sales team & Paytm force to
● 24*7 customer support acquire merchants
Channels ● Paytm Application for ● Paytm Application ● Paytm application
completing payments ● QR code model
● Various ticket booking websites
Key Resources ● Financial resources: $740+ mn ● Paytm wallet system ● Intellectual resources: QR
funding raised ● The informal network of experts Code technology
● Human Resources: Employees called Paytm force ● Human resources: Additional
● Intellectual Resources: Semi- ● Transaction history of merchants sales team
closed PPI license from RBI, App (for loans) ● Additional partnerships
technology, ● Additional Partnerships
● Costing algorithm for charging
merchants
● Partnerships formed across
various sectors
Customer Segments Customers who lived in large cities Merchants and Customers who lived in (Additional) Customers who want to
18-45 age group, moderately affluent, large cities 18-45 age group, moderately make cashless payments at offline
smartphone owners affluent, smartphone owners stores
Group 1
Cost Structure ● R&D costs ● Funding for cashback ● Merchant acquisition cost
● App development cost ● Costs incurred while maintaining ● Loading cost incurred when
● Salaries to employees partnerships with warehouses, customers transferred cash to
● IT infrastructure cost citibank and logistics firms their paytm wallets
● Marketing and business ● Training cost
promotion expenses
● Customer support cost
Revenue Streams ● Fee charged from customers for ● Sales commission paid by
wallet to bank transfers additional merchants
● Sale of mobile value-added ● Advertising fees from brands
services and sellers
● Commissions
● Service Fees from merchants
