Brainstorm #2 : How Paytm can be profitable?
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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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what’s VSS?
Through Such Deal https://www.desidime.com/deals/get-flat-25-cash...
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
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.
loan do, duniya jahan lene ko baitha h
Paisa kitha milega idea ko?
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? 
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..
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 .
Start charging 1% per transactions 
Paytm at the end of the day is a finance company. All finance companies make money in one of the three ways 1 borrow cheap from investors (fixed deposit and savings, current account) and lend or invest at a higher rate and thus, earn the margin 2 service charges 3 selling affiliated products/services. Please let me know if you know other avenues.
Hence, Paytm like all other finance firms have to do one or all of the three to make money. Money is an undifferentiated product (commodity), so if your competitors are playing long game of price war using predatory pricing, some one will fail. It looks like BharatPe will be the first one to file bankruptcy among these firms.
Ham kaise loote ya topic hina chahiye.. inka fayda hoga to hamara ghata..
Idia hai bhi to na denge.. give idia how we make money from paytm 🤨
bro agar customer ke nazar se dekhoge to 10% cashback se leker 50% cashback kama paoge.
founders ke tarah sochoge to apna agar kuch start kiye 100% CAGR se jyada kama loge.
T- Think like a founder to hunt more money in real life. Stop being chindi customer only, be the awesome founder to hedge money all around.
They will be profitable when they fire those employees who decided to fix Paytm price around 2000 on its IPO. Once they are able to get rid of such genius employees, i beleive company will become profitable for sure.
@looter143 are you a share holder of Paytm or an employee?
“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.”
I’ve not got any big Paytm Loot, but many have. We also remember how many times we’ve been f#@#ked by Paytm.
Question you should ask is What is the USP of Paytm now apart from mass recognition ?
Why would I a well informed customer would choose Paytm over other similar platforms without any monetary reasons ( cashback/ discount) ?
I don’t mean being profitable by looting the end customers. I mean Paytm should focus on adding value to the life of people so that they feel intended to pay the Paytm the amount. I feel great when Paytm notified me of the availability of Covid doses near me in the beginning days of vaccination. This is a great feature. If such kinds of features are gonna come up and if they just charge a minimum cost then I am super happy to pay the sum.
if they allow me to book tatkal ticket at sharp 12 (not 12:15) then I’m happy to pay Paytm service charge
Fire Vijay Shekhar Sharma and sell his assets to compensate paytm shareholders loss, they did fraud with investors they should not grow, shraap lagega poor investors ka 
, I wish to buy paytm stock at 1 Rupee
Frankly speaking, it’s all the retail investor’s fault, they are foolish to put up their hard-earned cash on something which they knew was not worth it. (Due to IPO buzz)
Paytm just looted the investors and It is so funny to see those investors crying out loud on the internet and screaming about their loss. If they have done the proper analysis before investing in the IPO they would have had better results than this.
Any 12 year Kid who knows how to do google or youtube, could have made better decisions on PAYTM IPO
I had a car fastag was linked to Paytm i sold it but buyer is still using my fastag I tried to contact Paytm they are asking to call cc is there any other way to close the fastag because I don’t want to talk to cc for 2 hours
Even VSS wouldn’t have worried about this point