{"id":2456,"date":"2025-05-05T18:02:58","date_gmt":"2025-05-05T10:02:58","guid":{"rendered":"https:\/\/deekpay.com\/?p=2456"},"modified":"2025-05-05T18:02:58","modified_gmt":"2025-05-05T10:02:58","slug":"billdesk-%e6%94%af%e4%bb%98%e7%bd%91%e5%85%b3%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e5%a6%82%e4%bd%95%e6%94%b9%e5%8f%98%e4%bc%a0%e7%bb%9f%e9%93%b6%e8%a1%8c%e4%b8%9a%e5%8a%a1%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/05\/billdesk-%e6%94%af%e4%bb%98%e7%bd%91%e5%85%b3%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e5%a6%82%e4%bd%95%e6%94%b9%e5%8f%98%e4%bc%a0%e7%bb%9f%e9%93%b6%e8%a1%8c%e4%b8%9a%e5%8a%a1%ef%bc%9f\/","title":{"rendered":"Billdesk Payment Gateway: How Indian payments are changing traditional banking?"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts364.mm.bing.net\/th?q=paytm363\" alt=\"How Indian payments are changing traditional banking\" title=\"How Indian payments are changing traditional banking\"><\/p>\n<p>The rapid growth of the Indian payments industry is profoundly changing the traditional banking business model in the following ways:<\/p>\n<ol>\n<li><strong>The Rise of Digital Payments<\/strong><\/li>\n<\/ol>\n<ul>\n<li>UPI System Becomes Global Benchmark for Real-Time Payments, Exceeds 10 Billion Monthly Transactions by 2023<\/li>\n<li>Third-party payment platforms (e.g., Paytm, PhonePe) divert a lot of banks' micro-transfer business<\/li>\n<li>QR code payment penetration has reached 87%, reducing cash dependence<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li><strong>Changes in account structure<\/strong><\/li>\n<\/ol>\n<ul>\n<li>Surge in number of zero-balance accounts (over 480 million accounts under PMJDY scheme)<\/li>\n<li>E-wallet users reach 350 million, partially replacing savings account functions<\/li>\n<li>Banks forced to lower minimum balance requirements in response to competition<\/li>\n<\/ul>\n<ol start=\"3\"><\/p>\n<li><strong>Credit service innovation<\/strong><\/li>\n<\/ol>\n<ul>\n<li>BNPL (buy now pay later) products grow at an annual rate of 160%<\/li>\n<li>The rise of UPI-based instant loan origination models<\/li>\n<\/ul>\n<ol start=\"4\"><\/p>\n<li>\n<p><strong>Bank branch transformation<\/strong><\/p>\n<ul>\n<li>Reduction of physical outlets by 15% (2020-2023), moving to a \"digital branch\" model<\/li>\n<li>Traditional teller transactions replaced by mobile banking apps (e.g., SBI Yono handles 60% base business)<\/li>\n<li>ATM cash withdrawals drop 22% in favour of smart self-service terminals<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Technology Architecture Re-engineering<\/strong><\/p>\n<ul>\n<li>Migration of core banking systems to cloud (head banks like ICICI have migrated 70% loads)<\/li>\n<li>API open platforms become standard, allowing third parties direct access to account services (OCEN framework has connected 32 banks)<\/li>\n<li>AI Risk Control Replaces Traditional Credit Models to Process 85% of Microloan Approvals<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Revenue model reversal<\/strong><\/p>\n<ul>\n<li>Payment processing fee income share reduced to 61 TP3T from 121 TP3T (RBI mandatory rate cut to 1.11 TP3T)<\/li>\n<li>Digital channel contribution for cross-selling insurance\/financial products rises to 41%<\/li>\n<li>\"Embedded finance\" makes banking a value-added feature of e-commerce\/social platforms<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Regulatory arbitrage challenges<\/strong><br \/>\nDifferential regulation of payments banks and small financial banks has given rise to a new type of hybrid business:<\/p>\n<\/li>\n<\/ol>\n<ul>\n<li>Paytm Payments Bank users' deposits grow at 89% annualised rate<\/li>\n<li>Airtel Payments Bank gains 21 million customers through telecom package bundles<\/li>\n<li>RBI working on Digital Banking Framework to tackle blurred boundaries<\/li>\n<\/ul>\n<p>8.<strong>Consumer behaviour change<\/strong><br \/>\nThe trend towards \"Bankless Banking\" among the younger generation has emerged:<br \/>\n- Users under 35 years old visit outlets only 0.3 times per month on average<br \/>\n- 52% of Millennials use social media to get information on financial products<br \/>\n- Open banking enables fragmented use of financial services<\/p>\n<p>This change has forced traditional banks to:<br \/>\n\u2713 Invest an average of $1.8 billion per year in digital transformation (2024 estimate)<br \/>\n\u2713 Reorganisation of 30-40% Traditional Job Functions<br \/>\n\u2713 200+ strategic partnerships with fintech (37 with HDFC alone)<\/p>","protected":false},"excerpt":{"rendered":"<p>The rapid growth of the payments industry in India is profoundly changing the traditional banking business model, largely 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