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With fintechs such as Paytm and PhonePe entering the credit ecosystem, ICICI Bank, Axis Bank, HDFC Bank and others are trying to get merchants to opt for their QR codes. But will merchants using Paytm or PhonePes black-and-white squares switch to their banks quick response codes? Or will it be just another sticker among others crowding their shopfront? This and more in todays ETtech Morning Dispatch.

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