Force Multiplier, UPI (#049)
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Force Multiplier, UPI
Last week PayTM closed it’s IPO window and is going to go public next week.
VSS, the founder said something very interesting in a roadshow.
‘Payments are the force multiplier (the pipe) that gets us to upsell services to the merchants and the users on the ecosystem.’
Banking 1.0 was about going to the bank.
Banking 2.0 was about the bank coming to your phone.
Banking 3.0 is about contextualising, sachetizing and making the whole financial ecosystem accessible as and when one requires it.
A small INR 2 car ride insurance when you’re booking a cab ride or access to trade finance from a banking partner when you’re trying to pay an invoice.
UPI under the NPCI has already fast-charged the whole payment ecosystem on top of which we have third party apps like PayTM thrive today.
It has also given us a good case study on making other legacy financial systems reinvigorate to current times and make them relevant.
Most of the systems and products made in the financial ecosystem were always tailored keeping in mind the distribution. Banking 3.0 is ripe for making sure that the customer and consumer is kept at the centre and everything around is made accessible and convenient.
As we speak, the next leg of disruption can very well come from AEPS.
More on that, later.
[Premium] Portfolio Update
I recently did a two part series on my Portfolio Update.
The Portfolio stocks that I hold in a personal capacity are all there in my Dashboard disclosures as a part of the transparency initiative which can be accessed here.
I recently did a two part webinar series which can be accessed here 👇
Guess the Breakout Indian Stock of the Week 🚀 [Alpha Swing]
In this week’s 3 swing trades, we are back with the interesting guessing game.
If you can guess the stock right, you get a complimentary 1-month premium access to Alpha Swing.
In the last 4 quarters, the FII holding in the stock has gone up from 0.8% to 3.6%.
With strong earnings reported this quarter, the company is available at a Forward PE of 30 times.
ROCE of the company has also been improving consistently on better working capital management.
Answer to last week’s quiz was Devyani International. If you made the guess right, kindly respond - you shall get the 1-month access.
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Webinar Updates
We kicked-off the November webinar series a day before the month started today with a detailed portfolio update of my current holdings.
We discussed changes and how we see the current scenario evolve ahead in the future.
Find out more about the November schedule and a special guest webinar here.
StockRoom Sunday
Podcast of the Week
Song of the Week
Continuing with The Weeknd vibe.
Book of the Week [Spotlighting Again]
The first book that helped me transition into understanding investment implications was 'The Unusual Billionaires'. Ever since then, I have been a big fan of the high quality yet simple insights that the team at Marcellus keeps putting out regularly for millions of investors.
This week, I spotlight ‘Diamonds In The Dust’ - the newest book from the Marcellus stable co-authored by Saurabh, Rakshit & Salil.
Click here to check it out.
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Ciao.