E-commerce, M-commerce: India - Revision history

Jyoti: /* Digital wallets, digital payments, Mobile banking, UPI: India */

2026-03-14T06:27:29Z

‎Digital wallets, digital payments, Mobile banking, UPI: India

Pdewan: /* Digital wallets, digital payments, UPI: India */

2023-05-13T12:03:01Z

‎Digital wallets, digital payments, UPI: India

Pdewan: /* Digital wallets, digital payments */

2023-05-13T11:57:53Z

‎Digital wallets, digital payments

Jyoti: /* National Payments Corporation of India */

2021-08-15T23:13:56Z

‎National Payments Corporation of India

Jyoti: /* Digital wallets, digital payments */

2021-06-12T07:33:15Z

‎Digital wallets, digital payments

Jyoti: /* Market share */

2021-04-06T10:07:42Z

‎Market share

Jyoti: /* Digital transactions */

2021-03-19T09:05:51Z

‎Digital transactions

Jyoti: /* Grocery */

2021-03-02T12:38:38Z

‎Grocery

Jyoti: /* Market share */

2021-02-23T09:33:21Z

‎Market share

Jyoti: /* Digital transactions */

2021-02-08T07:03:23Z

‎Digital transactions

@@ Line 238: / Line 238: @@
 See [[ Digital wallets, digital payments, Mobile banking, UPI: India]]
-[[Category:Cuisine|EE-COMMERCE, M-COMMERCE: INDIA
+=Digitally delivered services=
-E-COMMERCE, M-COMMERCE: INDIA]]
+==Exports==
-[[Category:Economy-Industry-Resources|EE-COMMERCE, M-COMMERCE: INDIA
+===India vis-à-vis the world===
-E-COMMERCE, M-COMMERCE: INDIA]]
+====2024 or 2025====
-[[Category:India|EE-COMMERCE, M-COMMERCE: INDIA
+[January 2, 2026: ''The Times of India'']
-E-COMMERCE, M-COMMERCE: INDIA]]
-[[Category:Pages with broken file links|E-COMMERCE, M-COMMERCE: INDIAE-COMMERCE, M-COMMERCE: INDIAE-COMMERCE, M-COMMERCE: INDIAE-COMMERCE, M-COMMERCE: INDIAE-COMMERCE, M-COMMERCE: INDIA
-E-COMMERCE, M-COMMERCE: INDIA]]
+'' Exports of Digitally delivered services, India vis-à-vis the world, presumably as in 2024 or 2025 ''
 [[Category:Cuisine|EE-COMMERCE, M-COMMERCE: INDIA

@@ Line 235: / Line 235: @@
 E-COMMERCE, M-COMMERCE: INDIA]]
-=[[Digital wallets, digital payments, UPI: India]]=
+=[[ Digital wallets, digital payments, Mobile banking, UPI: India]]=
-[[Digital wallets, digital payments, UPI: India]]
+See [[ Digital wallets, digital payments, Mobile banking, UPI: India]]
 [[Category:Cuisine|EE-COMMERCE, M-COMMERCE: INDIA

@@ Line 235: / Line 235: @@
 E-COMMERCE, M-COMMERCE: INDIA]]
-=Digital wallets, digital payments=
+=[[Digital wallets, digital payments, UPI: India]]=
-==Limited liability==
+[[Digital wallets, digital payments, UPI: India]]
-[https://epaper.timesgroup.com/Olive/ODN/TimesOfIndia/shared/ShowArticle.aspx?doc=TOIDEL%2F2018%2F12%2F06&entity=Ar02312&sk=376BBD96&mode=text  Ombudsman, limited liability cover to make e-wallets safer, December 6, 2018: ''The Times of India'']
+[[Category:Cuisine|EE-COMMERCE, M-COMMERCE: INDIA
-To inspire confidence among users of digital payments, the RBI has said that it will introduce the concept of limited liability for prepaid instruments, which includes digital wallets. Also, a new office of ombudsman for digital transaction is being created to take up complaints from individuals for prepaid instruments.
+E-COMMERCE, M-COMMERCE: INDIA]]
+[[Category:Economy-Industry-Resources|EE-COMMERCE, M-COMMERCE: INDIA
-Last year, the central bank had introduced the concept of ‘zero liability’ for card users, provided they acted prudently in not divulging credentials and reported frauds in time. Under this policy, cardholders who lost money due to a thirdparty breach and who reported the loss within three days would get all their money back.
+E-COMMERCE, M-COMMERCE: INDIA]]
+[[Category:India|EE-COMMERCE, M-COMMERCE: INDIA
-Even where there is some negligence on the part of the customer in not responding to alerts and not notifying the bank, the maximum liability was capped at Rs 5,000 for a basic savings account and Rs 10,000 for most other accounts. For credit cards with limits above Rs 5 lakh, the maximum liability has been fixed at Rs 25,000. However, where the customer has shared his password, he will be liable for all the losses until he reports it to the bank.
+E-COMMERCE, M-COMMERCE: INDIA]]
+[[Category:Pages with broken file links|E-COMMERCE, M-COMMERCE: INDIAE-COMMERCE, M-COMMERCE: INDIAE-COMMERCE, M-COMMERCE: INDIAE-COMMERCE, M-COMMERCE: INDIAE-COMMERCE, M-COMMERCE: INDIA
-On Wednesday, the RBI said that the same limited liability concept will be extended to users of prepaid instruments. The liability limits will be announced by the RBI. According to banks, the liability limits for e-wallets is likely to be lower, considering the smaller transaction size and lower balances.
+E-COMMERCE, M-COMMERCE: INDIA]]
-−
-The creation of an ombudsman for digital transactions, besides providing a platform for customers, will enable the RBI to keep track of discrepancies.
-−
-“RBI’s endeavours to promote a less-cash society has resulted in a significant rise in the volume, value and channels for conducting digital transactions. For promoting the level of trust, a dedicated and empowered grievance redressal system is a pre-requisite,” said RBI deputy governor M K Jain. “It will cover all entities falling within RBI’s jurisdiction, which means nonbanks as well,” said Jain.
-−
-==The usage of digital wallets/ e-wallets==
-===2016-18===
-[[File: The use of Digital wallets, 2016-18.jpg|The use of Digital wallets, 2016-18 <br/> From: [https://epaper.timesgroup.com/Olive/ODN/TimesOfIndia/shared/ShowArticle.aspx?doc=TOIDEL%2F2018%2F12%2F06&entity=Ar02312&sk=376BBD96&mode=text  Ombudsman, limited liability cover to make e-wallets safer, December 6, 2018: ''The Times of India'']|frame|500px]]
-−
-−
-'''See graphic''':
-−
-''The use of Digital wallets, 2016-18''
-−
-===2018: Indians install e-wallets, but don’t use them===
-[https://epaper.timesgroup.com/Olive/ODN/TimesOfIndia/shared/ShowArticle.aspx?doc=TOIDEL%2F2019%2F01%2F28&entity=Ar02110&sk=A3445A2E&mode=text  Rachel Chitra, January 28, 2019: ''The Times of India'']
-−
-[[File: Indians and e-wallets, presumably as in 2018.jpg|Indians and e-wallets, presumably as in 2018 <br/> From: [https://epaper.timesgroup.com/Olive/ODN/TimesOfIndia/shared/ShowArticle.aspx?doc=TOIDEL%2F2019%2F01%2F28&entity=Ar02110&sk=A3445A2E&mode=text  Rachel Chitra, January 28, 2019: ''The Times of India'']|frame|500px]]
-−
-−
-As many as 85% of Indian users install e-wallets and fintech apps like MobiKwik and Paytm, only to let them remain dormant, according to a study.
-−
-“Companies spend huge sums of money to advertise, market themselves, offer discounts and cashbacks to get users on board. But after getting them on board, if usage is low, then it is an indicator that the apps aren’t doing enough to keep customers engaged. And the churn rate (defined by no transaction done in the first two weeks) for India at 85% is worrisome — and is higher than the global average of 77%,” said Almitra Karnik, head of marketing and global growth at CleverTap, which conducted the study.
-−
-CleverTap is a Californiabased behavioural analytics company that measured usage patterns in 700 million mobile devices globally for the study. Karnik said if the app is not used in the first two weeks, it will invariably remain dormant thereafter, until a day when the user decides to uninstall it.
-−
-About 27% of Indian users uninstall e-wallets within two weeks of usage. But Indian apps seem to have better retention power than their global peers, who have a higher uninstallation rate of 35%. The average rate of reinstallation in India was a low 3%, showing that when a customer has a bad experience with a financial services app, s/he is unlikely to ever return to it.
-−
-Paytm did not respond to a request for a comment. Payment services firm PhonePe’s CEO Sameer Nigam said its app retention numbers are much healthier than what the CleverTap study shows. He said that was because a large percentage of its installs are organic (without providing incentives for the download) or referral-driven. “More than 75% of uninstalls happen when the installs are driven by low-quality digital marketing,” he said.
-−
-Fintech firm PayU’s CEO Jitendra Gupta also said 85% of downloads of its consumer-facing app LazyPay is organic. The user, he said, sees a clear proposition and is not driven by things like cashbacks. He admitted that the uninstall rate is 28-30%, but said this cannot be the only criterion to judge an app by. “On an average, every user is using LazyPay six times a month. We have 90% repeat users on a monthly basis. Besides, our uninstalls happen in cases where we don’t provide credit facility to the user, and those are obvious cases for uninstallation,” he said. LazyPay provides personal loans and pay-later options.
 =E-grocery=

@@ Line 515: / Line 515: @@
 '' Transactions on NPCI platforms, 2015-21 ''
 [[Category:Cuisine|EE-COMMERCE, M-COMMERCE: INDIA
@@ Line 522: / Line 544: @@
 [[Category:India|EE-COMMERCE, M-COMMERCE: INDIA
 E-COMMERCE, M-COMMERCE: INDIA]]
-[[Category:Pages with broken file links|E-COMMERCE, M-COMMERCE: INDIAE-COMMERCE, M-COMMERCE: INDIAE-COMMERCE, M-COMMERCE: INDIA
+[[Category:Pages with broken file links|E-COMMERCE, M-COMMERCE: INDIAE-COMMERCE, M-COMMERCE: INDIAE-COMMERCE, M-COMMERCE: INDIAE-COMMERCE, M-COMMERCE: INDIA
 E-COMMERCE, M-COMMERCE: INDIA]]

← Older revision		Revision as of 07:33, 12 June 2021
Line 278:		Line 278:

	Fintech firm PayU’s CEO Jitendra Gupta also said 85% of downloads of its consumer-facing app LazyPay is organic. The user, he said, sees a clear proposition and is not driven by things like cashbacks. He admitted that the uninstall rate is 28-30%, but said this cannot be the only criterion to judge an app by. “On an average, every user is using LazyPay six times a month. We have 90% repeat users on a monthly basis. Besides, our uninstalls happen in cases where we don’t provide credit facility to the user, and those are obvious cases for uninstallation,” he said. LazyPay provides personal loans and pay-later options.		Fintech firm PayU’s CEO Jitendra Gupta also said 85% of downloads of its consumer-facing app LazyPay is organic. The user, he said, sees a clear proposition and is not driven by things like cashbacks. He admitted that the uninstall rate is 28-30%, but said this cannot be the only criterion to judge an app by. “On an average, every user is using LazyPay six times a month. We have 90% repeat users on a monthly basis. Besides, our uninstalls happen in cases where we don’t provide credit facility to the user, and those are obvious cases for uninstallation,” he said. LazyPay provides personal loans and pay-later options.
		+
		+	=E-grocery=
		+	==2021==
		+	[[File: Scale of operations of E-grocers FY 21E.jpg\|Scale of operations of E-grocers FY 21E <br/> From: [https://epaper.timesgroup.com/Olive/ODN/TimesOfIndia/shared/ShowArticle.aspx?doc=TOIDEL/2021/06/11&entity=Ar01404&sk=CDAA8057&mode=image June 11, 2021: ''The Times of India'']\|frame\|500px]]
		+
		+	'''See graphic''':
		+
		+	'' Scale of operations of E-grocers FY 21E ''
		+
		+	[[Category:Cuisine\|EE-COMMERCE, M-COMMERCE: INDIA
		+	E-COMMERCE, M-COMMERCE: INDIA]]
		+	[[Category:Economy-Industry-Resources\|EE-COMMERCE, M-COMMERCE: INDIA
		+	E-COMMERCE, M-COMMERCE: INDIA]]
		+	[[Category:India\|EE-COMMERCE, M-COMMERCE: INDIA
		+	E-COMMERCE, M-COMMERCE: INDIA]]
		+	[[Category:Pages with broken file links\|E-COMMERCE, M-COMMERCE: INDIAE-COMMERCE, M-COMMERCE: INDIAE-COMMERCE, M-COMMERCE: INDIAE-COMMERCE, M-COMMERCE: INDIA
		+	E-COMMERCE, M-COMMERCE: INDIA]]

	=Food ordered online=		=Food ordered online=

← Older revision		Revision as of 10:07, 6 April 2021
Line 473:		Line 473:

	''The market-shares of the three main e commerce players in India in 2016, 2017''		''The market-shares of the three main e commerce players in India in 2016, 2017''
		+
		+	=The market, size of =
		+	==2015-2020==
		+	[[File: The size of the Indian E-commerce market, 2015-2020.jpg\| The size of the Indian E-commerce market, 2015-2020 <br/> From: [https://epaper.timesgroup.com/Olive/ODN/TimesOfIndia/shared/ShowArticle.aspx?doc=TOIDEL%2F2021%2F04%2F05&entity=Ar01503&sk=B4718D8C&mode=image April 5, 2021: ''The Times of India'']\|frame\|500px]]
		+
		+	'''See graphic''':
		+
		+	'' The size of the Indian E-commerce market, 2015-2020 ''
		+
		+	[[Category:Cuisine\|EE-COMMERCE, M-COMMERCE: INDIA
		+	E-COMMERCE, M-COMMERCE: INDIA]]
		+	[[Category:Economy-Industry-Resources\|EE-COMMERCE, M-COMMERCE: INDIA
		+	E-COMMERCE, M-COMMERCE: INDIA]]
		+	[[Category:India\|EE-COMMERCE, M-COMMERCE: INDIA
		+	E-COMMERCE, M-COMMERCE: INDIA]]
		+	[[Category:Pages with broken file links\|E-COMMERCE, M-COMMERCE: INDIAE-COMMERCE, M-COMMERCE: INDIAE-COMMERCE, M-COMMERCE: INDIAE-COMMERCE, M-COMMERCE: INDIA
		+	E-COMMERCE, M-COMMERCE: INDIA]]

	=National Payments Corporation of India=		=National Payments Corporation of India=

← Older revision		Revision as of 12:38, 2 March 2021
Line 389:		Line 389:

	About 18-24 months ago, most online grocers were trying to scale up their businesses through the market place model but that did not work out with some forced to shrink their operations. BigBasket is increasingly sourcing from FMCG brands and using its own warehouses.Other companies like Grofers too are trying to do the same. Amazon, too, has partnered with BigBazaar, Spar, and HyperCity for Amazon Now, which promises a two-hour delivery .According to sources, the cart rate (number of products actually sent to consumer compared to original order) for Amazon Now has been about 70-80% since it does not have direct control over the inventory .		About 18-24 months ago, most online grocers were trying to scale up their businesses through the market place model but that did not work out with some forced to shrink their operations. BigBasket is increasingly sourcing from FMCG brands and using its own warehouses.Other companies like Grofers too are trying to do the same. Amazon, too, has partnered with BigBazaar, Spar, and HyperCity for Amazon Now, which promises a two-hour delivery .According to sources, the cart rate (number of products actually sent to consumer compared to original order) for Amazon Now has been about 70-80% since it does not have direct control over the inventory .
		+
		+	=India vis-à-vis other countries=
		+	==2020==
		+	[[File: E-commerce penetration in India and the world, 2020 .jpg\|E-commerce penetration in India and the world, 2020 <br/> From: [https://epaper.timesgroup.com/Olive/ODN/TimesOfIndia/shared/ShowArticle.aspx?doc=TOIDEL%2F2021%2F02%2F27&entity=Ar02703&sk=F6793AF7&mode=image February 27, 2021: ''The Times of India'']\|frame\|500px]]
		+
		+	'''See graphic''':
		+
		+	'' E-commerce penetration in India and the world, 2020 ''
		+
		+	[[Category:Cuisine\|EE-COMMERCE, M-COMMERCE: INDIA
		+	E-COMMERCE, M-COMMERCE: INDIA]]
		+	[[Category:Economy-Industry-Resources\|EE-COMMERCE, M-COMMERCE: INDIA
		+	E-COMMERCE, M-COMMERCE: INDIA]]
		+	[[Category:India\|EE-COMMERCE, M-COMMERCE: INDIA
		+	E-COMMERCE, M-COMMERCE: INDIA]]
		+	[[Category:Pages with broken file links\|E-COMMERCE, M-COMMERCE: INDIAE-COMMERCE, M-COMMERCE: INDIAE-COMMERCE, M-COMMERCE: INDIAE-COMMERCE, M-COMMERCE: INDIA
		+	E-COMMERCE, M-COMMERCE: INDIA]]

	=Market share=		=Market share=

← Older revision		Revision as of 09:33, 23 February 2021
Line 449:		Line 449:

	''The market-shares of the three main e commerce players in India in 2016, 2017''		''The market-shares of the three main e commerce players in India in 2016, 2017''
		+
		+	=National Payments Corporation of India=
		+	==2015-21==
		+	[[File: Transactions on NPCI platforms, 2015-21.jpg\|Transactions on NPCI platforms, 2015-21 <br/> From: [https://epaper.timesgroup.com/Olive/ODN/TimesOfIndia/shared/ShowArticle.aspx?doc=TOIDEL%2F2021%2F02%2F19&entity=Ar02106&sk=0288B015&mode=text February 19, 2021: ''The Times of India'']\|frame\|500px]]
		+
		+	'''See graphic''':
		+
		+	'' Transactions on NPCI platforms, 2015-21 ''
		+
		+	[[Category:Cuisine\|EE-COMMERCE, M-COMMERCE: INDIA
		+	E-COMMERCE, M-COMMERCE: INDIA]]
		+	[[Category:Economy-Industry-Resources\|EE-COMMERCE, M-COMMERCE: INDIA
		+	E-COMMERCE, M-COMMERCE: INDIA]]
		+	[[Category:India\|EE-COMMERCE, M-COMMERCE: INDIA
		+	E-COMMERCE, M-COMMERCE: INDIA]]
		+	[[Category:Pages with broken file links\|E-COMMERCE, M-COMMERCE: INDIAE-COMMERCE, M-COMMERCE: INDIAE-COMMERCE, M-COMMERCE: INDIA
		+	E-COMMERCE, M-COMMERCE: INDIA]]

	=What Indians buy online=		=What Indians buy online=