नेशनल पेमेंट्स कॉरपोरेशन ऑफ इंडिया (NPCI) ने नियम बनाया था कि किसी भी थर्ड पार्टी पेमेंट वॉलेट की UPI ट्रांजेक्शन में 30% से अधिक हिस्सेदारी नहीं होगी. अगर किसी भी पेमेंट वॉलेट की हिस्सेदारी 30 प्रतिशत से अधिक होती है, तो उसे घटाने का इंतजाम किया जाएगा. फोन पे और गूगल पे आगे नए कस्टमर्स नहीं जोड़ पाएगा.
#googlepay #upi #phonpe #UPIrules #NPCI #RBI #amazonpay #paytm
~HT.97~ED.148~PR.147~
#googlepay #upi #phonpe #UPIrules #NPCI #RBI #amazonpay #paytm
~HT.97~ED.148~PR.147~
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NewsTranscript
00:00You all use UPI. Since UPI came into existence, a lot of changes have been made to it.
00:07Customers have been given different facilities through it.
00:10If we talk about India, then on phone, Google, Amazon, Bheem, WhatsApp, Paytm,
00:15these are some apps that provide the facilities of UPI.
00:17Guidelines are issued on time for these too.
00:21Now there can be another change in it, according to which new customers will not be able to join phone and Google.
00:27You must be wondering whether actions like Paytm have been taken on these two apps.
00:31So let's try to understand this in detail in this video.
00:37Actually, National Payments Corporation of India, which we call NPCI,
00:42had made a rule that in any third-party payment wallet's UPI transaction,
00:47there will not be more than 30% shareholding.
00:50If any payment wallet has more than 30% shareholding, then it will be arranged to reduce it.
00:56This rule was going to be implemented on 1st December 2022.
01:00But later, Google Pay and Phone Pay, which are third-party app providers, were given 2 years.
01:06Which is going to end by the end of this year, i.e. by December 2024.
01:11This means that the payment app has more than 30% shareholding in the digital transaction,
01:17then it will have to be arranged to reduce it by 1st January 2025.
01:23How will this shareholding be reduced?
01:25If we talk about Google Pay and Phone Pay, both are third-party payment apps.
01:29Currently, only both have 85% shareholding in UPI-based transactions.
01:35Paytm has been the most discussed app in this segment.
01:38Still, its shareholding is very low.
01:40Recently, you saw how RBI took action.
01:43After that, its market share has become a little less.
01:47This app is also waiting for this thing.
01:50Does NPCI provide any guidelines on reducing shareholding in digital transactions?
01:55NPCI runs the Unified Payments Interface, i.e. UPI.
01:59It is used for real-time, i.e. hand-to-hand digital payment.
02:05Now, NPCI will tell you how to apply 30% UPI market ceiling to reduce risk.
02:13One way is that more than 30% shareholding apps will not be allowed to connect with new customers.
02:22However, this work will be done in a consistent manner
02:25so that customers do not have to face any kind of trouble.
02:29Now, there are a few months left before the deadline ends.
02:32It is expected that NPCI will give more clarity on this in the coming time.
02:36This rule will be implemented without any problem.
02:39Now, let's see what happens to users when there is such a monopoly.
02:45In this case, a senior banker says that
02:48when the transaction of Google Pay and Phone Pay is so high in two apps,
02:54it increases the risk.
02:56If there is any problem with them, then the entire payment system will be shaken.
03:01This can cause users to face a lot of problems.
03:05This is why NPCI is arranging to reduce their share in the digital transaction.
03:09In such a situation, the scope of competitors is also reduced
03:14due to which users have to pay more.
03:17The leading company invests heavily to get market share.
03:21When there is a monopoly on the market,
03:24it increases the price of its services to get a big return on its investment.
03:31This ultimately harms users and reduces the scope of innovation.
03:37Small companies do not get a chance to flourish.
03:40This is why NPCI is bringing this rule
03:43to reduce their share in Google Pay and Phone Pay.
03:49The only way is that they will not be able to attract new customers.
03:54That's all for this video.
03:55Do tell us what you have to say about this step.
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