印度数字支付生态系统的转型:以Paytm为例

IF 1.4 3区 社会学 Q2 SOCIAL SCIENCES, INTERDISCIPLINARY Social Inclusion Pub Date : 2023-07-26 DOI:10.17645/si.v11i3.6687
Aditi Bhatia-Kalluri, Brett R. Caraway
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引用次数: 1

摘要

Paytm是印度一款提供电子钱包服务的支付应用程序;它也是世界第三大经济体中最突出的移动电子商务应用程序。本文使用Paytm作为案例研究,以更好地理解全球平台经济及其对社会和经济不平等的影响。我们通过关注Paytm与印度发展中的数字基础设施和边缘化人群(其中许多人是该平台用户群的一部分)的关系,将Paytm的出现置于背景下。我们用政治经济学的视角来研究Paytm的市场结构、利益相关者、创新和受益者。我们的研究以以下问题为指导:哪些资源、基础设施和政策促成了印度的数字支付生态系统,这些又如何导致经济和社会不平等?据此,我们对2016年至2020年国际和印度商业新闻以及Paytm的企业传播进行了审计。我们的分析指出,在更大的平台生态系统中,私人利益和公共利益之间的紧张关系,消除了平台作为市场交易中立仲裁者的概念。我们认为,Paytm对社会有益,因为它降低了交易成本,使边缘化人群更容易获得数字支付;它损害了用户数据和隐私,同时抑制了平台经济中的竞争,这对时代是有害的。
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Transformation of the Digital Payment Ecosystem in India: A Case Study of Paytm
Paytm is a payment app in India providing e‐wallet services; it is also the most prominent mobile e‐commerce app in the world’s third‐largest economy. This article uses Paytm as a case study to better understand the global platform economy and its implications for social and economic inequities. We contextualize the emergence of Paytm by drawing attention to its relationship with India’s developing digital infrastructure and marginalized populations—many of whom are part of the platform’s user base. We use a political economy lens to investigate Paytm’s market structure, stakeholders, innovations, and beneficiaries. Our research is guided by the question: What resources, infrastructures, and policies have given rise to India’s digital payment ecosystem, and how have these contributed to economic and social inequities? Accordingly, we audited the international and Indian business press and Paytm’s corporate communications from 2016 to 2020. Our analysis points to the tensions between private and public interests in the larger platform ecosystem, dispelling notions of platforms as neutral arbiters of market transactions. We argue that Paytm is socially beneficial to the extent that it reduces transaction costs and makes digital payments more accessible for marginalized populations; it is detrimental to the time that it jeopardizes user data and privacy while suppressing competition in the platform economy.
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来源期刊
Social Inclusion
Social Inclusion Social Sciences-Sociology and Political Science
CiteScore
3.50
自引率
0.00%
发文量
114
审稿时长
15 weeks
期刊介绍: Social Inclusion is a peer-reviewed open access journal, which provides academics and policy-makers with a forum to discuss and promote a more socially inclusive society. The journal encourages researchers to publish their results on topics concerning social and cultural cohesiveness, marginalized social groups, social stratification, minority-majority interaction, cultural diversity, national identity, and core-periphery relations, while making significant contributions to the understanding and enhancement of social inclusion worldwide. Social Inclusion aims at being an interdisciplinary journal, covering a broad range of topics, such as immigration, poverty, education, minorities, disability, discrimination, and inequality, with a special focus on studies which discuss solutions, strategies and models for social inclusion. Social Inclusion invites contributions from a broad range of disciplinary backgrounds and specializations, inter alia sociology, political science, international relations, history, cultural studies, geography, media studies, educational studies, communication science, and language studies. We welcome conceptual analysis, historical perspectives, and investigations based on empirical findings, while accepting regular research articles, review articles, commentaries, and reviews.
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