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Gravitational pull

What’s pinning down Instamojo and Razorpay?

The two nimble fintech startups are at an inflection point. Their existing businesses are no longer enough for them to grow. What now?

04/10/17

Arundhati Ramanathan

Even though there are 18 million SMEs online, they don’t account for much when it comes to online spending

Instamojo and Razorpay started by focusing on this market but a lopsided SME segment makes it a difficult business to be in

Instamojo wants to evolve from letting SMEs not just accept payments but also meet their other commerce needs like credit, logistics

Razorpay want to no longer be only a gateway but also help businesses in money movement

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Payments today looks like a mad scramble. Companies are falling over each other to find the new best way to pay, and businesses have swallowed the hard truth that they can no longer just accept cash. Demonetisation saw to it that even hole-in-the-wall shops got on the digital payment wagon, whether they liked it or…

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