What we are proudest of is that we played a large role in democratizing payments-based transactions,” Nigam added. Smartphones with cheap data have meant that all basic services have shifted to the phone. Four years ago, everything changed in India, we call it the Jio effect. Earlier, people had to travel more to pay bills, they were sending money to villages and small towns, all of that is now happening on a phone. “We have about 20 million merchants, 16 million of them are Tier II and beyond.
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