Latest news with #VijayShekharSharma-led
Time of India
23-07-2025
- Business
- Time of India
How Paytm is using AI for in-house ops
Academy Empower your mind, elevate your skills Vijay Shekhar Sharma-led Paytm reported a profitable Q1 FY2026 , attributing its operational efficiency and product innovation to artificial intelligence (AI) integration across the fintech major said it is deploying AI across its operations to streamline workflows and increase fraud and risk its latest earnings presentation, Paytm highlighted multiple AI-first features integrated into both internal processes and consumer-facing products.1) Paytm said it is using AI-led quality checks for merchant onboarding, including advanced image analysis and text recognition. With AI, verification is done through algorithms for merchant category code (MCC) deduction from shop photos, name matching, and optical character recognition (OCR).An MCC is a four-digit number that classifies businesses based on the types of goods or services they offer. These codes help payment networks standardise transactions and ensure accurate processing.2) Paytm's in-house AI platforms like Paytm ARMS (merchant lifecycle insights platform) and Paytm Pi (fraud and risk detection system) automate merchant onboarding, fraud detection, segmentation, and pricing proprietary fraud and risk detection AI engines help monitor merchant activity. It reports anomalies and predicts chargeback risks, including high-ticket refunds.3) The company uses conversational AI agents to provide personalised assistance to customers via text and voice across 11 languages.4) The ARMS platform also uses AI to profile merchants in real time and match them with the right financial products to improve retention and effective cross-selling.5) On the customer side, Paytm has integrated an AI assistant in partnership with Perplexity for users.
Economic Times
23-07-2025
- Business
- Economic Times
Paytm shares in focus as Co swings to Rs 122 crore profit in Q1 from YoY loss
Operating revenue grew 28% YoY, supported by an increase in subscription-based merchants, higher Gross Merchandise Value (GMV), and growth in revenue from financial services distribution. Paytm's parent company, One 97 Communications, announced a consolidated net profit of Rs 122.5 crore in Q1FY26. The company had a loss of Rs 839 crore in the same quarter last year. Revenue from operations increased by 28% year-on-year to Rs 1,917 crore. This growth was supported by subscription-based merchants and higher Gross Merchandise Value. Tired of too many ads? Remove Ads Tired of too many ads? Remove Ads Business highlights Shares of One 97 Communications, the parent company of fintech platform Paytm , will be in focus on Wednesday after the firm reported a consolidated net profit of Rs 122.5 crore in Q1FY26, marking a turnaround from a loss of Rs 839 crore in the same quarter last from operations rose 28% year-on-year (YoY) to Rs 1,917 crore, up from Rs 1,502 crore in Q1FY25. On a sequential basis, topline growth was marginal at 0.3%, compared to Rs 1,911 crore in Q4FY25, when the company had posted a net loss of Rs 540 revenue grew 28% YoY, supported by an increase in subscription-based merchants, higher Gross Merchandise Value (GMV), and growth in revenue from financial services profit rose 52% YoY to Rs 1,151 crore, with a contribution margin of 60%—a 10 percentage point improvement—driven by better net payment revenue, a greater share of financial services revenue, and lower direct contribution profit stood at Rs 1,151 crore, up 52% YoY, with a contribution margin of 60% (up 10 percentage points YoY), driven by improved net payment revenue, higher share of distribution of financial services revenue, and reduction in direct Earnings Before Interest, Taxes, Depreciation and Amortisation (EBITDA) and PAT turned profitable at Rs 72 crore (margin of 4%) and Rs 123 crore respectively, demonstrating AI-led operating leverage, disciplined cost structure and higher other income, the company filing Cash balance stood at Rs 12,872 crore, providing capital flexibility to expand merchant payments, distribution of financial services, and AI-led payment revenue was up 38% YoY to Rs 529 crore, led by growth in high-quality subscription merchants and an increase in payment processing of financial services revenue increased by 100% YoY to Rs 561 crore, driven by growth in merchant loans, trail revenue from Default Loss Guarantee (DLG) portfolio, and improved collection Read: 7 Nifty500 stocks with highest dividend yields. Do you own any? The Vijay Shekhar Sharma-led company in a statement claimed that its "undisputed leadership" in merchant payments continued in the quarter under review with 1.30 crore merchant device subscriptions across MSMEs and enterprise payment merchants.(Disclaimer: Recommendations, suggestions, views and opinions given by the experts are their own. These do not represent the views of the Economic Times)
Time of India
23-07-2025
- Business
- Time of India
Paytm shares in focus as Co swings to Rs 122 crore profit in Q1 from YoY loss
Live Events Business highlights (You can now subscribe to our (You can now subscribe to our ETMarkets WhatsApp channel Shares of One 97 Communications, the parent company of fintech platform Paytm , will be in focus on Wednesday after the firm reported a consolidated net profit of Rs 122.5 crore in Q1FY26, marking a turnaround from a loss of Rs 839 crore in the same quarter last from operations rose 28% year-on-year (YoY) to Rs 1,917 crore, up from Rs 1,502 crore in Q1FY25. On a sequential basis, topline growth was marginal at 0.3%, compared to Rs 1,911 crore in Q4FY25, when the company had posted a net loss of Rs 540 revenue grew 28% YoY, supported by an increase in subscription-based merchants, higher Gross Merchandise Value (GMV), and growth in revenue from financial services profit rose 52% YoY to Rs 1,151 crore, with a contribution margin of 60%—a 10 percentage point improvement—driven by better net payment revenue, a greater share of financial services revenue, and lower direct contribution profit stood at Rs 1,151 crore, up 52% YoY, with a contribution margin of 60% (up 10 percentage points YoY), driven by improved net payment revenue, higher share of distribution of financial services revenue, and reduction in direct Earnings Before Interest, Taxes, Depreciation and Amortisation (EBITDA) and PAT turned profitable at Rs 72 crore (margin of 4%) and Rs 123 crore respectively, demonstrating AI-led operating leverage, disciplined cost structure and higher other income, the company filing Cash balance stood at Rs 12,872 crore, providing capital flexibility to expand merchant payments, distribution of financial services, and AI-led payment revenue was up 38% YoY to Rs 529 crore, led by growth in high-quality subscription merchants and an increase in payment processing of financial services revenue increased by 100% YoY to Rs 561 crore, driven by growth in merchant loans, trail revenue from Default Loss Guarantee (DLG) portfolio, and improved collection Read: 7 Nifty500 stocks with highest dividend yields. Do you own any? The Vijay Shekhar Sharma-led company in a statement claimed that its "undisputed leadership" in merchant payments continued in the quarter under review with 1.30 crore merchant device subscriptions across MSMEs and enterprise payment merchants.(Disclaimer: Recommendations, suggestions, views and opinions given by the experts are their own. These do not represent the views of the Economic Times)
