Perspective on Year End and Outlook 2022 By Ankit Bhatnagar, Mswipe
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Below is Perspective on Year End and Outlook 2022 By Ankit Bhatnagar, Head of Product, Mswipe
“ In the past one year, the sector has shown immense potential – be it strengthening digital payments infrastructure or technological advancements to an integration between the entire ecosystem. Digital payment infrastructure has seen the steepest adoption among SMEs during the last two years. As a result, small businesses now have an opportunity to go beyond digital payments and avail financial services like lending or embed financial products like BNPL at the checkout stage. Be it a BNPL offering or micro ATM service, or insurance, small retailers have the opportunity to diversify business, thanks to digital adoption. The government has made payments even more simple with initiatives like E-RUPI which will definitely help increase digital payment acceptance in Tier 2 and 6 in 2022. The coming year, we will see a marked focus of fintech towards SME financing to offer a seamless experience for small businesses to access credit, working capital loans through smartphones and smart POS devices. The new buzzword in the industry is also having an ecosystem approach to meet more than one need of a customer. We will see several fintechs moving in that direction especially to embed finance as an offering.”
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