How UPI's Bold Business STRATEGY will KILL VISA and MASTERCARD? : UPI CREDIT LINKING EXPLAINED
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- čas přidán 16. 06. 2022
- thethinkschool.com/sp/communi...
VIDEO INTRODUCTION:
On the 8th of June 2022, the Reserve Bank of India officially allowed users to link their credit cards to all UPI platforms. This means within some days if you if own a Rupay credit card and a mobile phone you could make your credit card transactions through your UPI app without using your credit card at all!! And as soon as this announcement happened, it became such a sensation that every single news channel and every single newspaper lauded the NPCI about how revolutionary this move is!!
and this move is so big that on one hand, it could redefine the entire credit market of India on the other side, it is a big threat to even Giant companies like VISA and Master card
The question is?
Why is the UPI linking the Credit card system such a revolution for the people of India?
How will it change the lives of people like you me and the 1000s of small businesses all across the country?
and most importantly, why is it yet another lethal threat to Giant companies like Visa and Master card!
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#upi #upicreditcard #thinkschool #businesscasestudy Credits: CNN-News 18, WION, NBC News, Money control pro, Business standard, TV18,Business Today, ABC news, CNBC, ET now ,Bloomberg originals, Financial Times, DW documentary, AL Jazeera English, BBC news, Firstpost.
UPI change the face of Indian economy , Kudos to youth , who relentlessly pay through UPI , hope zero charges on UPI continue for lifetime.
I too use UPI 🔥 Special thanks to all shops who have/accepted QR code 👌
Nothing have changed my sbi account is auto debited by sbi branch and have said AEPS OFFUS TRANSACTION.WITH AADHAR FINGER PRINT BY BIOMETRIC DEVICE AND STEAL MY MONEY WITHOUT MY AUTHORISATION.EVEN THOUGH THUMB PRINT IS TAKEN OTP IS MUST TO PROCESS THE TRANSACTION.BANK EMPLOYEES OR GOVERNMENT SCHEMES MAINTAINING OFFICERS STEALING MONEY FROM BANK ACCOUNTS...
No problem if govt charges nominal fee for more than 5000rs.and decrease other taxes.
Also due to UPI people have started spending a lot....Saving nhi ho rahi 😶😥
@@Amit_R_Tudu facepalm
FYI : Yesterday India signed a MOU with France through which France will accept the payment from UPI after Nepal,Bhutan, Malaysia, Singapore and UAE .
Now truly we can say india is growing ❤️
For only Indians who visit these countries.
@@notagamerplays9558 And in future more possibilities. Stay optimistic my friend. Stay happy.
@@notagamerplays9558 for now that is great and with time you never know!
@@emperor8267 transferring is easy. Earning is more difficult in India
99% of my transactions are now on UPI.. its one of the most secure and advanced payment platform.. kudos to the team behind the technology 👍
I live in kota from 6 months and I never gone to ATM from that time ..... Only UPI
Really an informative video. I appreciate Ganesh and the entire Think school team for bringing such great content on CZcams.
thanks a lot bhai
Means a lot coming from u
@@ThinkSchool both of you are my favourite youtubers 😊.
Nothing have changed my sbi account is auto debited by sbi branch and have said AEPS OFFUS TRANSACTION.WITH AADHAR FINGER PRINT BY BIOMETRIC DEVICE AND STEAL MY MONEY WITHOUT MY AUTHORISATION.EVEN THOUGH THUMB PRINT IS TAKEN OTP IS MUST TO PROCESS THE TRANSACTION.BANK EMPLOYEES OR GOVERNMENT SCHEMES MAINTAINING OFFICERS STEALING MONEY FROM BANK ACCOUNTS...
Bro I'm proud to be both yours and Ganesh's subscribers. You are the best CZcams channels in India
@@ThinkSchool bhai agneepath aur nupur sharma k case me video kab ayegi ? pura desh jal raha hai iske upar thoda vichar daliye apna . aur dono case me comparitive research karke daliye ki nupur sharma protest me aur agneepath protest me kya diffrence a gaya ki bulldozers nahi chale
Man UPI has changed my life. 90% of my business transactions including salaries, vendor payment, bills, online orders, recharge fastag everything goes through BHIM UPI. I can't imagine logging into net banking multiple times a day. UPI is revolutionary on several levels.
Bhai it wud even more as RBI is now planning to implement offline payments of upto 2000/- which wud further boost as most users spend less than that in day to day life payment of UPI without online it wud be game changer
🥷yeah upi gone crazy man its help lot and i dont carry cash 👍
France approved UPI and rupay card recently 🇮🇳🇮🇳
Payments through RuPay cards are accepted in all Asian countries, 26 European countries and both North American countries. I see no reason why anybody would use Visa over RuPay anymore.
World affairs by Prashant Dhawan sir right
Ma bhe wahi dekh ka aya 👍🙏🇮🇳
Nice to hear that 👍
@@ravenclawgamer6367 They should rebrand to something more globally friendly. RuPay makes me think of just India. Otherwise, they're doing a great job.
I am really thankful to you and the team. Such an amazing way to explain complicated concepts. I really appreciate it. Here is small thanks from me.
That’s good shit bro
Wow, awesome 👍🏻
👍👍👍
Ameer aadmi
@@daniyalmehdinaqvi9351 🤣
U missed one imp thing... By breaking vsa and mastercard backbone we are removing our dependency on the 2 American companies.. Hence if tomorrow America decides to shut down visa and mastercard services in India as a part of sanctions it will have minimal effect on India... America will not be able to stop transactions happening in India... This is a huge thing
Yes it is a very good point.
I'm a American and personally this seems to be a good thing for India. I've never been a big fan of globalization and companies having way to much control over so many people.
@@DaFunkler-gp6ie I feel globalisation is good as long as it helps in respecting, Learning and helping each other out.. More of a people to people contact... It becomes a problem when the globalisation is used for control over others.. Be it colonisation in olden times or the industries of today's world.. For example.. CZcams is helping me from India and u from America to exchange each other's opinions and understand one another's perspective but when youtube tries to block certain comments or videos that do not fit their agenda without providing any satisfactory explanation, there CZcams is controlling the narrative and preventing one point of view to be presented.. That's where the problem lies
@@somnath1235 I actually agree with you, globalization has done some really good things. But one of the big issues of globalization is that it leaves poorer nations that need constant importing really vulnerable. The importing nation needs to agree to exporting nations terms and conditions of trading. Perhaps the exporting nation collapses, it would leave the importing nation in a sticky situation. But like what you said it has brought very good things such as communication such as right now which reminds me, the discoverer of wireless communication was Indian "Jagadish Chandra Bose" which was later developed by an Italian named Guglielmo Marconi and through countries opening them selves up to the world for the pass 100 years it has helped advance all forms of communication. Without globalization I would have never been able to hear about this youtube channel. It has its cons and most definitely has its pros.
@@DaFunkler-gp6ie very true..same aspect can be used positively as well as negatively.. To put it down to simple words.. Intention is all that matters.. U can use a fire and a knife to cook food and help a hungry person or use them to kill a person.. And I was pleasantly surprised u knew about the existence of Jagdeesh Chandra Bose.. 👍
Npci is the most underrated government asset till date
I strongly feel NPCI will be privatized like ICICI bank
@@sureshpolali8685 to run it smoothly without any bureaucracy it should be pvtized, Untill the Current govt is in power.
@@sureshpolali8685 Only if the opposition party had some brain and used that for good deeds
@@sureshpolali8685 but it is very risky taking move.may it will work good but there no 100% surity .So, I think until NPCI is doing good we should not make it private.
@@sureshpolali8685 NPCI mainly creates the rules/regulations. All the development is outsourced to private companies. Privatizing NPCI means possibility of competitors coming up which means there won't be any standard anymore. So, privatizing NPCI doesn't make sense.
I am a proud subscriber of you when you just had 2k Subscribers. Thanks you very much. After your video's I fell in love with economics. Have implemented most of business lesson in my work and real life. Thanks Guru Dev. Jai Hind.
Nothing have changed my sbi account is auto debited by sbi branch and have said AEPS OFFUS TRANSACTION.WITH AADHAR FINGER PRINT BY BIOMETRIC DEVICE AND STEAL MY MONEY WITHOUT MY AUTHORISATION.EVEN THOUGH THUMB PRINT IS TAKEN OTP IS MUST TO PROCESS THE TRANSACTION.BANK EMPLOYEES OR GOVERNMENT SCHEMES MAINTAINING OFFICERS STEALING MONEY FROM BANK ACCOUNTS...
@@syamkumarkaturi9761 buddy report on RBI not on CZcams comments 😂 ,it's youtube channel not RBI who can control bank actions
@@syamkumarkaturi9761 RBI will solve it.
Don't be a right wing person
@@krishnans9972 BE INDIC WING🧡👏
The entire Western countries are now struggling to push their own upi systems to public since people are so used to master card and visa card payments. Proud that India has made this strategic move protecting the largest Indian economy being exploited by the card giants like Master card and Visa at the very beginning of the system.
Because USA control swift system in Belgium and put sanction other countries including european country. So europe country will look another system for transaction.
Why does everyone around the world compare themselves to the western countries?!? No one is even thinking about eastern or other countries. No one cares
I am a 17 year old boy from Coimbatore, whenever I see his videos, I don't feel like watching any other random youtube video,it feels like my own elder brother is educating me with these information. Wish I could meet him face to face ❤️
Same here
@Diva r yeah I truly believe I will meet him one fine day
RBI is about to give birth to a new challenger credit card network to the Visa / Mastercard duopoly
Visa is a $453B market cap, $24Bn rev, $13B profit network
Mastercard is a $355B market cap, $19B rev, $9B profit
Wildly profitable networks that a UPI credit layer could disrupt.
🔥
Upi to start in Europe too. Seems like Indian govt is about to make the biggest fintech.
I remember in your earlier Rupay video.. You talked about how there is a huge difference between number of Rupay cards and other cards with Rupay having more numbers. but on the contrary the other cards having more currency flow and more valued transactions because of Credit cards.. And today we have UPI and Ru-Pay coming together to capture and attack the whole Credit card world as well and make it theirs.. Can't express how proud and surprised I am looking at our innovations and momentum gained towards growth!
A small token of thanks from me. Please keep making these well researched, balanced and informative videos on important topics, to help make people more aware.
Nice,Brother!!
How much of the CZcams support actually gets received to creators? Just a curiosity.
@@kvlpnd Everything
@@GoToMan good to know that there isn't any MDR here.
@@kvlpnd if u do superchats and memberships on a live stream, 30% goes to YT.
I cannot remember the last time I withdrew cash from an ATM. That's how dependent I've been on UPI 🤦
The way you explain complex topics with such a simplicity is commendable. Your research coupled with your teaching skills makes your content top notch.
That 'micro finance' point was great. And with suggestions like these, your videos sometimes makes us feel so optimistic about our country, that if such implementation happens, our Bharat will flourish! 🙌
@Diva r yes ma'am 🤞
You know it's hard to look at the big picture when it comes to India. Everywhere you go there's mostly just crowd and chaos. It's when videos like these summarise things so wonderfully, you can see what an incredible turn around our country has made within 75 years of Independence. The generation born right before 1947 is very much alive at this point and gets to witness India's days of post Independence poverty and struggle to becoming a direct competitor to the west. Oh how the turntables
I did not realize the scope of this initiative, this will significantly develop better financial history for millions which will help in getting better loans. I also really really hope that we have a strong government for the rest of the future. Great video bro always loved your videos!!
lavde di strong govt. hai. Chutiye hai sab
@Aman Jha ??
Even though there are ups and downs in economy right now I think this govt still deserves one more chance bcz after this govt came to power they faced a lot of challenges and domestically and geopolitically which the previous govt did not face
Ups and Downs are due to uncontrollable situations happening across the globe. Just look around.
US is in recession & we will be growing at approx 7-8%. Inflation is mostly due to faulty policies of US constraining the oil sources causing inflation across the world.
Just look at way they are controlling the inflation..we are far ahead than US and European countries in maintaining inflation
One more chance? It deserves 100 more chances to transform India. No dynasty no commie government anymore. Nation first, always.
Nobody could ever explain things more clearly than this guy ..Hats off 👍🏼
Being an UPI user for over many years an seeing through all this changes in finance sector, I firmly believe with you and your team that if your suggested measures implied then it can benifit most ( reference to Bangladesh video of microfinance )
Great video.
All the best for your team
You can know the importance and role of UPI just because Think school made 2 videos on it
This video leaves out a very critical aspect of Credit card business
The major chunk of revenues for Credit Cards is the revolver customers who pay interest on their credit card purchases. MDR and annual fee are small proportion of pie
Why did govt start Rupay card network when Visa, MasterCard were already there? Because with 3% MDR rate, the bottom 90% of Indians wont be served...at such high transaction costs. Yes merchants/businesses pay this 3% charge..but who are they ultimately going to charge this from? Lower MDR is win for Indian consumer
When Rupay can operate at lower MDR rates, why not the foreign card networks do it at a lower price? Especially when economies of scale keep on growing?
I am closing my Visa card and option for rupay cc after watching this video. My contribution to nation.
Dude. This Content is basically free. Wow 👏
Finally the first video where you talk about the pro and cons equally allowing for critical thinking which is lacking in the current generation.. thank you for this …
From Mommos wala to McDonald's now everyone is accepting UPI and with Credit Card service people are gonna spend more on Flipkart and Amazon 😂 and that's good for the economy. Easiest payment method that even a 10 year can use.
Can you plz explain Your logic of spending more on Amazon Flipkart after integration of UPI to CC
@@nickelvikky9707 just ask people who have credit cards.. I have a credit card and I tend to spend way more than I would if I didn't have a credit card.. it is just human behaviour.. if people get easy credit,, surely a good percentage will tend to spend
ok whatsapp univ graduate
So you blame government because u don't have self control
@@nishademperor8695 *lekhna sekh ja chutiye*
when I saw the news related to credit cards linking with UPI, you are the first person came into my mind Ganesh Anna...
If it's financial services related, your videos are the best place for me to get broader perspective..Thanks a lot
The banks' risk is very much compensated for by the massive interest on late payments for credit cards. I can completely agree on the switching fee for card network providers (but it's not gigantic sums of money; maybe when they first started - should be simple with all the internet infrastructure nowadays)
Honestly, this is one of the best YT Channels that I have come across in a long while. Keep you your good work. Appreciate your efforts and dedicaiton .
THis guys sounds like a True Patriot and very down to earth, god bless him. I feel happy every time I come here. so much positivity!!
I worked for VISA 10 years back as Engineer but you explained better then my Business Analyst about the transactions :P
Such an amazing video Think School. Hardly anyone is able to teach these things in this simple manner without losing on the content as well the interest. You will go a long long way!
Thanks all the contributors for developing UPI which ultimately saves lot of time.
They need to take MDR from paying customer who is paying through UPI via credit card. This way the rich class won't mind for paying a service charge and the small businesses won't incur any losses and Govt won't have to take a burden.
Ofcourse they take it from the customer!! What do you think they pay it from h their profits?? The margin for MDR is included in the MRP.
@@abhishekgiri1201 But we can't let our banks face unnecessary losses.
The interchange fee they charge will stop if there's zero MDR.
The most efficient and Simple way of digital transfer.
What a Tech👏👏👏 Marvellous UPI
🇮🇳🇮🇳🇮🇳
Giving time stamp and suggesting viewers to skip video ... You earned respect man
09:54 another case can be people don't use debit card because of some special perks given by credit cards like lounge access, discounts, repayment time, credit scores etc.
Paycheck 2 paycheck people mostly use UPI. Everyone knows wealth is distributed unevenly across. Intersting to see how much our salaried class wealth holds in the system when compared to others. The ones at the top of the chain don't use UPI. They know how much a eom payslip person has in the account than the ones who actually bring in the big cash ;)
Looking forward to this video premier, should be interesting buddy. Keep Rockin' 💪🙋
Really appreciate the great work being done by Think School Team in bringing such contents which takes the general awareness of people to a whole new level. Thanks again team. Keep up the good work.
UPI and RuPay will be soon enter the markets of France, as NPCI International (India) & Lyra Networks (France) signs a MOU.
You people are amazing, thank you keeping the bar high all the time with your content.
In regards to your point on giving credits to wage labour, MP govt is running a scheme called street vendor. There are a lot of loops that should be noticed and suggestions should be made on those.
Your channel is a goldmine brother. Really like the depth of your presentations. Keep posting such amazing content, we are with you. All the best 😀.
Okay, I never felt the need to meet any CZcamsr and his/her team in last so many years of my content consumption over youtube.... but you guys..... you'll literally slaying it ...... doing a great job, I literally don't wanna miss out any video from you guys, hopefully I will get to meet you guys some day in person, hopefully I will get to contribute for atleast one of your video journey ......keep up the good work, Go Go Team Think School!
Terrific. Beautiful explanation .. UPI itself is a game-changer. Now linking it to a Credit card is simply a blast .. A small MDR % of say 0.05% or even less will go a long way .. For a transaction of Rs 100, -- nobody will bother to pay an MDR of Rs 0.1 ( 10 Paise). This can be slowly increased to say 0. 5% in due course ( like what they did on Security transaction TAx STT ).. But this is a game changer -- thanks to NPCI == Major risk factor is govt change .. before that NPCI has to be totally Privatized like ICICI bank ( which was initially Govt owned )
i love that
welcome good things
point out bad things in that good thing
and move on with your life
its amazing
I am following you since , Gillete case study , now you have came a long way☺️😊
I really like your work specially when it comes to economy session, as it’s such well organised & easy to understand for me & rest to enhance their financial knowledge & see the future of events
Why did you not post it yesterday?😭 It would have been so helpful to me for today's meeting with client. It was insightful!
Seeing your videos really makes me optimistic yet careful about our future as a country and as a world. Love to have these broad perspectives about evrything from geopolitics to finance to business to national development . Thank you Ganesh sir for these videos
Kudos to rbi for these new strategies to open up infinite possibilities for the future..
Thanks again, important info packaged so professionally! I love that you include all pertinent info and then give time stamp to Skip! I hate trying to find old videos! This is an excellent way to share your info! Your speech pace is also perfect! Thank you
I never felt this good after just watching finance video. Great video Think School and Ganesh. Much Love ❤️
The amount spent on Credit card can also be linked to E-commerce offer, where in I can shop for thousands and pay in emi. Doing same on Debit card would be less preferred .
Also Credit cards gives more time to pay for a transaction, instead of paying today, i can pay 30 days later.
so that might be the reason why people would prefer spending more in credit rather than debit. (at least for me these are the reasons)
Credit cards give you a false sense of financial freedom. We fail to treat credit cards as loans and end up treating them as our own money. That's why we always end up spending more when using a credit card
True .. BUt it is wise to pay 100 % on the last day and only get the interest free credit of 50 days
True .. BUt it is wise to pay 100 % on the last day and only get the interest free credit of 50 days
@@sureshpolali8685 yes. In the comment i was referring to 30 days billing + 15 days for interest free payment.
@@sureshpolali8685 yes but sjmpler fact is that you spent more money than you would do with debit card. If you pay 100% on last day. Than you are increasing you spending capacity.
if you have a small business , basically you get 50 days interest free working capital.
Indian banks and RuPay could come up with some limits on credit card transactions which could be insured. Or the merchants should provide more incentives with debit card payments instead of credit card payments. One has to be rich to have a credit card and a vast majority of people using credit cards already have sufficient balance to use a debit card instead. Most use credit cards just for fun and to show off or use it while traveling abroad.
Very few people understand how important NPCI to Indian financial system. Thank you for your video🙏🙏🙏
Bhai ek request.
When you are quoting the figures and number, can you please use Lakhs and crores as that is easier to understand than Millions etc.
Also it is easier to visualise lakhs and crores for desi janta.
Actually it's easier in million and billion dollars when talking about big numbers
Our schools should teach us about these stuff.
This was a stupendous researched video and you explained it so beautifully. Thank you Think School team.
We have a business and are charged 2% for using card payment by the processing company. The amount paid to the processor company was getting ridiculous when calculated every month. Over the past few months, we started asking the customer to pay the additional 2% which encouraged them to pay using UPI. Now we hardly use card payment once a day. UPI is an amazing payment method 👍
Next central gov revolutionary initiative is coming that will be ONDC
Your videos are incredibly informative and extremely helpful in understanding various complex topics in a super simple way. Awesome content that is structured and delivered well. Your videos are helping me stay informed about all the awesome things that are happening in India. Keep it up.
Brilliant Brilliant brother...m proud that am your subscriber from the very inception of this channel...the last take upi credit line based system can really change the village economy..as this can help students, I know you mentioned it in Ethiopia case study episode...dhanyavad brother for this amazing content...
Very very excellent analysis. Can't imagine how much research and tjought goes into the making of your videos
Very clear and very useful information, as usual. Thank you for making the day today financial transaction life simple.
I don't know about banking system, accounts and cards work as I am just 12th appearing and not 18. But what I always like in your videos is that you will mention how it does effect ordinary people like you and me. That's great brother.
India would not become next China or next USA India would become the next Generation Great India
One a different note: debit cards have no beneficial offers, but credit cards do. Hence many people spend more on credit card as compared to debit card. Doesn't really imply spending capacity, but it's motivation at this point.
They are working to link credit card aswell with upi
Breakdown of the topic is extremely accurate. Many concepts for me got cleared. TQ
Great analysis !
Completely changed my perspective on MDR ..
Thanks a lot for giving us incredible content 😊☺️
Present buddy ❤️
Loved it ❤️
Thank you for your efforts both of you ❤️
Ye Dil Maange More ❤️
Fantastic collation of facts & equally well made video. Another disruption that can happen with zero MDR on credit cards is that Indians may no longer have credit cards which work internationally. It's really a fine balancing game for the finance ministry.
Earlier i said that this channel is worth more than 840k. I am still saying that this channel is worth more than 2m. And remember if India grows, you people have a significant amount of shareholding.
Eagerly waiting for this one 😃
I remember UPA government introduce the rupay debit cards avoid chergs from other countries cards like Visa Mastercard etc in that time banks replace the cards with rupay debit cards.. after 2014 govt changed.. Rupay debit cards replaced with Visa Mastercard cards...in earlier days if we needs ATM card go to the bank pay 250 rupees apply for card.. now banks directly send Visa Mastercard ATM cards without our permission and amount debited from account automatically.... What's your opinion on it
You're the best youtuber from India. Not exaggeration. The best.
Right video at the right time... Thank you, Ganesh and the Team...👏👏👏🙏🙂👍
I was really thinking about this yesterday and today video was released... 😋
Now France will also accept UPI 🔥
Many more countries to come 👌
aisa news aaya kya?
France have accepted
@@bababistril ji
@@Hindu428 China was advance payment system for years they were using digital payment system
what an imformative channel! KUDOS .... huge appreciation.
What an analysis bro! As usual top-notch content! RESPECT!
That was really great, as usual, thanks a lot Think School 😊
I would be interested to know more about the advantages of linking UPI to Credit cards as that section was comparatively little.
one of the best Podcast I have seen by an Indian. Keep up the good work
Salute to u n ur team for incredible content bro
Thanks for creating amazing content!
Even I have 2 debit card and 1 credit card i always use credit card because it gives me 1.5 to 2.5% on every 100 ruppee i spend.
So i think most of credit card user don't use their debit card for this porpose
Wow. You are a great teacher. Amazing video, simple and easy to follow.
Wherever possible i make all my transactions in UPI mode. Its so easy, reliable and fast. Thanks to the founders. And i hope it gets bigger and bigger, and benefits the lower and middle class in some way. Thanks for this video. Jai hind. 🇮🇳♥️
I think UPI or other banking systems/processes are a way far from thinking as the system is so complex. Well good to know, good to discuss. Thank u 😊
Loved it. Have to disagree with the notion of debit card users don't make big purchases. It's other way around. Most people I know use credit card even though they have enough cash
Yess... because credit card gives us reward points or cashback.. like me i get 2-5% cashback on every credit card purchase
The same customer may have both debit card and credit card. In the video it’s meant that more money transaction is made using credit card.
One of my favorite channel, Think school 😍. As a subscriber, I am learning lot on each video. Kudos to the team and Ganesh.
aaaaaand that's why I follow this channel. unlike some other desi youtubers who are either too afraid of the government, or their chamchas, this guy gives it to you as it is, unbiased. he praises the govt when they take a step in the right direction and calls out their wrong move when a shitty decision is taken.
I think that RBI will have a minimum threshold for mdr charges as most transactions through UPI have avg value
Recently I saw video on same topic on World affairs chanel Prashant dhwan sir
But badly waiting for ur Detailed Analysis Videos with proper maping which always Impress me
Jai Hind 🇮🇳
I love this channel! So glad to have discovered it
I usually do not make the effort of commenting but ,There cannot be a better master piece video compared to this.
Keep uploading. 👍
NOW UPI ACCEPTED IN France