Step 3 of 4 • Lumen Commerce Pvt Ltd

Opportunity Engine

6 prioritized initiatives based on your profile.

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Payment Coverage

Add UPI support

P0

UPI accounts for 75%+ of digital payments in India. Enabling UPI unlocks the largest addressable payer base and improves conversion meaningfully.

Expected impact
+8% conversion
Revenue opportunity
₹68.0 Cr
Complexity
Low
Priority
P0
Global Expansion

Enable multi-currency acquiring

P1

Cross-border merchants benefit from local acquiring in target geographies, reducing FX leakage and improving auth rates.

Expected impact
+12% int'l auth rate
Revenue opportunity
₹42.5 Cr
Complexity
High
Priority
P1
Operations

Implement automated reconciliation APIs

P0

Replace manual settlement matching with event-driven recon. Reduces ops headcount, accelerates close, and surfaces leakage.

Expected impact
+20% ops efficiency
Revenue opportunity
₹3.4 Cr
Complexity
Medium
Priority
P0
Conversion

Introduce smart routing

P0

Dynamically route to the highest-performing PSP per BIN, network, and time-of-day to reclaim authorization losses.

Expected impact
+6% auth rate
Revenue opportunity
₹51.0 Cr
Complexity
Medium
Priority
P0
Compliance

Roll out network tokenization

P0

RBI-mandated tokenization for stored cards. Improves auth rates, lowers fraud, and ensures compliance.

Expected impact
+4% auth rate
Revenue opportunity
₹34.0 Cr
Complexity
Medium
Priority
P0
Cost

Optimize MDR through interchange++

P1

Negotiate interchange-plus pricing and shift volume to lower-cost rails like UPI and RuPay.

Expected impact
-35bps MDR
Revenue opportunity
₹3.0 Cr
Complexity
Low
Priority
P1