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Fostering FinTech Through Mobile Wallets: An Indian Scenario
Abstract
This paper discusses development of mobile wallets and impact on fintech in India. Section begins with brief history of digital payment systems in India. It covers pioneers and leading players today like Paytm, PhonePe and Google Pay. Additionally, roles of government support, increased smartphone penetration regulatory guidelines and development of Unified Payments Interface (UPI) are examined. Literature is gathered regarding technology adoption models, trust and consumer behavior related to digital payments. The discussion in this book chapter is extended to show that mobile wallets are now moving beyond payments to include savings and investment propositions, thereby contributing to financial inclusion. The chapter concludes with some possible implications for understanding the evolution of mobile wallets in the context of transitioning to a cashless economy and the transformations in consumer behavior, as well as potential gains and difficulties in the future.
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