NTT DATA Payment Services is exploring mergers and acquisitions to enter the lending business in India [1].

This strategic shift signals an effort to diversify the company's financial services portfolio beyond payment processing. By integrating lending capabilities, the firm aims to capture a larger share of the Indian fintech ecosystem and provide a more comprehensive suite of financial tools to its clients.

The company is specifically looking to expand its Adaptis brand within the region [1]. The move into the lending sector is being pursued through an M&A route, which allows for faster market entry than building a lending infrastructure from the ground up.

India's financial technology sector has seen a surge in integrated platforms that combine payments with credit services. NTT DATA Payment Services intends to leverage this trend to scale its operations. The company is currently evaluating potential targets that align with its goal of establishing a sustainable lending presence [1].

The expansion of the Adaptis brand is central to this strategy. By merging payment expertise with lending products, the company hopes to create a seamless financial experience for users in the Indian market [1].

“NTT DATA Payment Services is exploring mergers and acquisitions to enter the lending business in India.”

The move indicates a broader trend of 'super-app' functionality where payment providers evolve into full-service financial hubs. By targeting the lending market via acquisition, NTT DATA Payment Services avoids the lengthy process of organic regulatory approval and infrastructure build-out, allowing it to compete more aggressively with established Indian fintech incumbents.