With so many “Payment tools and Methods” being introduced recently by NPCI, the margin for – Aggregators, PSPs, FinTech companies & Banks have gone down. This will take this ‘Industry to Consolidation’ where few with Deep pockets, Creative products & Use Cases will “Survive & Innovate” on the thin margins, others will have to re-consider their product Strategy, else Merge/Exit. Well this has brought – Efficiency, Competition, Innovation, A ready platform for FinTech companies, Low cost mode of payments, Quicker Settlements and other benefits to both Merchants and  Consumers, But now companies have to find alternates to get more margin products on board (Probably Lending is the New Hope) . Hence I say Payments alone can not survive in long run it has to be PAYMENT+ ….. Few have already taken the route… Your Views Please…