The customer-facing end of the payments engine in India will be owned by large and deep-pocketed entities such as Reliance Jio Infocomm Ltd, Paytm (One97 Communications Ltd) and even WhatsApp Inc., along with Facebook Inc. and, maybe, Google Inc. might also play in this space, says Suramya Gupta, manager of the SBI-FMO Emerging Asia Fund and head of India business, SBI Holdings Japan.
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