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Brainstorm #2 : How Paytm can be profitable?

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Chennai Super Kings
looter143

Friday with Brainstrom

So, I come up with yet another brainstorming question that allows you to think deeply as a customer and give an interesting idea about how Paytm can be profitable. Do you remember that you’ve looted Paytm a lot either in a loot or in a bug . So, in a return write 1 or 2 or 3 ideas that could change the way Paytm works and make it a profitable company.

(Result) My take on Brainstrom #1: How Zomato/Swiggy can be profitable is here https://link.medium.com/5a1Jt...ob

(It’s okay if you’re not going to post the idea but I request you to read all the ideas of different Dimers and upvote this post to encourage me to post more such amazing posts in future)

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Deal Subedar Deal Subedar
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Even VSS wouldn’t have worried about this point smile

Chennai Super Kings Chennai Super Kings
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santosh_blr wrote:

Even VSS wouldn’t have worried about this point smile

what’s VSS?

Chennai Super Kings Chennai Super Kings
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santosh_blr wrote:

Vijay Shankar Sharma

That could be predictable through the body language of VSS in recent days but as a entrepreneur we could rethink from a founders perspective that how a loss making start-up could do better, no matter how it got hit by the past mistakes!

Deal Subedar Deal Subedar
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stita25101 wrote:

It’s Vijay Sekhar Sharma

My bad. Yes. I know someone with this name (v Shankar..) and hence misspelt it stuck_out_tongue

Hotshot Hotshot
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by charging just 0.1% on transactions.

Delhi Capitals Delhi Capitals
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paytm se bolo ki credit card se wallet recahrge ka charge aur limit remoe kare

Cool Cool
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demerius2020 wrote:

paytm se bolo ki credit card se wallet recahrge ka charge aur limit remoe kare

phir to jo aa raha hai wo bhi hath se jayega paytm ke

Deal Lieutenant Deal Lieutenant
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yes they will.insurance, loans etc. will make them profitable.wallets also might start charging in the future.

Delhi Capitals Delhi Capitals
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Finance ie. if paytm payment bank becomes a small bank. Then via microfinance/loans. Paytm Money. Paytm Payment Gateway/ payment processing they provide.

All other stuff is useless, they will never break even on other stuff.

Delhi Capitals Delhi Capitals
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raman12 wrote:

phir to jo aa raha hai wo bhi hath se jayega paytm ke

dont  worry many paytm lovers like you will donate their income to paytm to cover for its loss

Deal Cadet Deal Cadet
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demerius2020 wrote:

dont  worry many paytm lovers like you will donate their income to paytm to cover for its loss

Many stock traders donated their money already joy

Cool Cool
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demerius2020 wrote:

dont  worry many paytm lovers like you will donate their income to paytm to cover for its loss

Why i donate 22g,?

Chennai Super Kings Chennai Super Kings
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loan do, duniya jahan lene ko baitha h

Deal Subedar Deal Subedar
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Nice try, Paytm employee. 

Deal Cadet Deal Cadet
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Paisa kitha milega idea ko?

Deal Cadet Deal Cadet
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Paytm done fraud to me in 2016 to 2017,i ordered boxers with cb of 400rs, i didn’t received cb, when i complained, that fools added transaction entry as 400cb received, that too in middle of transactions, when i reached again they said check trans history, i said there is entry but wer is money in wallet? They said you might have used somewhere, i said really? Show me the wallet transaction were i used?.. After that dumbos stopped replying, such a lame fraud, after that i stopped using compeltly,

How paytm can be profitable?.. Stop such frauds, refund money frm whom u looted, do fair business, u will be profitable.

Chennai Super Kings Chennai Super Kings
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igen wrote:

Finance ie. if paytm payment bank becomes a small bank. Then via microfinance/loans. Paytm Money. Paytm Payment Gateway/ payment processing they provide.

All other stuff is useless, they will never break even on other stuff.

this is a great idea.

Deal Cadet Deal Cadet
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beamchota wrote:

Paytm done fraud to me in 2016 to 2017,i ordered boxers with cb of 400rs, i didn’t received cb, when i complained, that fools added transaction entry as 400cb received, that too in middle of transactions, when i reached again they said check trans history, i said there is entry but wer is money in wallet? They said you might have used somewhere, i said really? Show me the wallet transaction were i used?.. After that dumbos stopped replying, such a lame fraud, after that i stopped using compeltly,

How paytm can be profitable?.. Stop such frauds, refund money frm whom u looted, do fair business, u will be profitable.

How can CS add a transaction entry? flushed

Hunk Hunk
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Money lending and levying a small fee on transactions 

Deal Cadet Deal Cadet
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They should de clutter their app.. and make it user friendly as well as responsive.. currently I search for everything on their app.. I highly doubt if any one can pin point any section..

Get some good management who has a clear vision on what Paytm needs to be.. Now Paytm is growing in 1000 directions.. but whats the basic strong pillar.. no one knows..

Remove shopping section and maintain a seperate app for that if they want to..

Take NBFC license and create couple of own credit cards and move all the co branded cards(SBI, Citi, HDFC) to their own.. and dont cross the rules..

they have huge user and usage data.. so creating some good CC’s should be easy for them..

if some one wants to pay anything, they should remind paytm.. create some thing like that.. rather than paytm karo ads.. (get ready to let go off some users)

give some pennies if they pay via their Paytm credit cards on thier app.. no cashback on UPI..

these are my cents from what I understand.. Not into MBA or BA.. but from what I understand.. coz I remember using Paytm when very few knew it.. They were recharge portal back then..

Chennai Super Kings Chennai Super Kings
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demerius2020 wrote:

u worrry about paytm a lot😗

I worried about how we can think differently (like a founder not just a looter)

Chennai Super Kings Chennai Super Kings
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wackophant wrote:

They should de clutter their app.. and make it user friendly as well as responsive.. currently I search for everything on their app.. I highly doubt if any one can pin point any section..

Get some good management who has a clear vision on what Paytm needs to be.. Now Paytm is growing in 1000 directions.. but whats the basic strong pillar.. no one knows..

Remove shopping section and maintain a seperate app for that if they want to..

Take NBFC license and create couple of own credit cards and move all the co branded cards(SBI, Citi, HDFC) to their own.. and dont cross the rules..

they have huge user and usage data.. so creating some good CC’s should be easy for them..

if some one wants to pay anything, they should remind paytm.. create some thing like that.. rather than paytm karo ads.. (get ready to let go off some users)

give some pennies if they pay via their Paytm credit cards on thier app.. no cashback on UPI..

these are my cents from what I understand.. Not into MBA or BA.. but from what I understand.. coz I remember using Paytm when very few knew it.. They were recharge portal back then..

yes, very valid points.! Great efforts

Delhi Capitals Delhi Capitals
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looter143 wrote:

I worried about how we can think differently (like a founder not just a looter)

think from what you have and what u r ;

NOT from what you don’t have and u aren’t

Deal Newbie Deal Newbie
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first u need to find why it’s not profitable 

despite being enormous user base . 

how competitior are making money by doing same thing.. ( PHONEPE / gpay etc etc )

In a service wht matter most is services .. it should be the best . 

so as if Paytm imposes 0.1% tax or service charge people won’t bother. 

lastly after using Paytm services they should take feedback . 





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