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Mobile Wallets

RBI may draft norms mandating mobile wallets to have a minimum net worth of Rs 25
crore,up from Rs 1 crore now
Reduction of monthly limit of transaction to Rs 10,000 from Rs 25,000 will end many
business opportunities for new players
Higher accountability in terms of cross-border transactions, anti-money laundering norms,
know-your-customer (KYC) norms will be required
Exclusive alliances like Uber and Paytm and partnering with ecommerce/traditional shops
remain to be a challenge

E Commerce

Low entry barriers


The initial investment required to start an online venture is as low as a US$10,00020,000
VCs and entrepreneurs have become interested so as to secure funds easily
New companies can easily replicate the existing business models
Low investment in infrastructure
100% FDI is allowed in marketplace model allowing more companies to invest in Indian
eCommerce
But FDI is not allowed in inventory based model to provide a level playing field for large
offline retailers

Payment Banks

Moderate entry barrier


Payment banks can only collect deposits up to Rs 1 Lakh
They have to invest 75% of their deposits in government securities
Payment banks can't issue loans or credit cards and are based on the model of collecting
cost of capital through transaction charges on their payment product
High volumes and cross selling will be required to churn profits