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PAYTM has built one of India's most comprehensive digital ecosystems, specialising in digital payment systems, e-commerce, and finance. The company's operations are largely divided into three segments: payment services, commerce and cloud services, and financial services. Under Payment services the company offers Pay Tm Wallet, Sound Box, QR Code Scanners, and Smart POS. Travel and Entertainment Ticketing, Mini App Store, Games and PayTm First subscription, Paytm Mall, and E-commerce are among the company's services under commerce and cloud services, while financial services include Payment Gateway and convenience fee for Digital Banking, Sourcing and Collection fee from NBFC/Banks for Lending services.
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One97 Communications was incorporated on December 22, 2000, as “One97 Communications Private Limited” under the Companies Act with the RoC. Pursuant to a shareholders resolution dated May 11, 2010, the company was converted into public limited Company and consequently the name was changed to “One97 Communications Limited” and a fresh certificate of incorporation dated May 12, 2010, was issued by the RoC.
The company is a leading provider of telecommunications value added services to telecom service providers, consumers and enterprises in India. It offers products and services to meet the needs of telecom service providers, consumers (i.e., mobile phone users) and enterprises. It develops and purchase content and applications, provide the relevant platform for delivery of its products and services and integrate these products and services with the core network elements of telecom service providers. The company’s applications can be deployed on any telecom network and accessed from most mobile handsets. The company utilizes interactive voice response (IVR) system or voice, Short Message Services (SMS), Unstructured Supplementary Services Data (USSD) and Wireless Application Protocol (WAP) technology to deliver its products and services.
The focus of the company’s network services is to assist telecom service providers in enhancing network efficiency and improving their revenues and profitability by delivering innovative solutions that enhance their subscribers’ experiences. The company’s network services include providing network components such as Short Message Service Centres (SMSC), which facilitate the accurate delivery of SMS messages to their intended destinations, USSD gateways, which enable a subscriber to obtain information (e.g., sports results, stock quotes and the amount of unused prepaid balance on a SIM card) and call management systems such as pre-call announcements, call forwarding and call block services.
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The company offers a broad range of mobile content, applications and commerce services to consumers (i.e., mobile phone users), for which it earn revenue through revenue sharing arrangements with telecom service providers. The company’s content and applications include music browsing, ring-tone downloads, caller ring-back tone downloads, content alerts, contests and chat and messaging applications that are delivered to consumers via voice, SMS and WAP. The content offered by the company is generated in-house or by content providers from whom it has purchased distribution rights for particular content. The company use telecom networks as media to assist enterprises with customer communication, self-care solutions and brand services. Its SMS outbound campaign service and very interactive out dialers (VIO) allow for outbound communication with customers, enterprise messaging, brand communication and advertising. Its voice portals and SMS pull services on 53030 SMS short code enable enterprises to make self care services available to customers.
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