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Datamonitor's latest report on the payment cards market in India shows that the pay later segment - and credit cards in particular - are still poorly represented in the country. However, there are huge potential earnings in some niche segments such as affluent customers, due to their use of premium cards.
IndusInd Bank is deepening its customer relationships to become more of a lifestyle partner, with the use of personalized and location-based offers.
Payment providers need to focus on delivering the basics of a good payments solution via cheap feature phones if they are to tap into India's mobile money market potential.
ABSA and Bank of America have both recently launched mobile POS services allowing small business customers to accept card payments using a smartphone. These rollouts in two very different markets highlight the growing popularity of mobile POS devices. Datamonitor research suggests that the opportunities for mobile POS are strongest in developing countries.
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