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UPI is a lifesaver, and I dearly missed it when I was abroad.
Frictionless transfer of money is such a glaringly obvious public good that I can only imagine the power wielded by US payment processors that keep it down.
It's about the only good thing that came out of the Modi government in my eyes.
However, I don't see most of your comment as conflicting with the parent's claims since most of the startups you mentioned are clearly copying Western innovation.
I would disagree, for an idea to be considered an innovation it has to be novel enough to be not be thought of independently by different people. For example, the idea of having to selling your goods online and getting it delivered is a clear logical conclusion of the thought process of how to make money online. It doesn't take a counter-intuitive thought process to arrive at the conclusion that the convenience of ordering at the comfort of your home is something people would find valuable and sure enough there were multiple competing companies in 90s striving to be that company. The innovation was how to pull it off, only Amazon and EBay were the only ones who could and that too with drastically different approach. In hindsight we now know that the Amazon's strategy of being the seller rather than auctioning products of ebay was the one that made a robust ecosystem of online marketplace. Even with that approach there were plenty of companies that were using the same approach yet amazon won. Amazon's bet that focusing solely on books in the start since they were non-perishable and easy to ship, was the core insight that helped it outperform the competition. This innovation was in turn copied by Flipkart in its own quest for growth in India, and that I believe is a clear example of copying Western Innovation.
The idea of food delivery is similarly not novel enough to be called an innovation. The idea that aggregating restaurants and then providing them logistical support to get their food delivered to customers willing to pay for it is not an innovation in itself. Infact all the different food delivery companies were founded in 1-2 years of each others with an unproven market model. Its the execution and the companies solutions to problems that arise with a complex logistical network to ensure speedy delivery of food is the innovation here. Doordash and Swiggy/Zomato operate in radically different environments, and at the same time their solutions to their own market specific problems are so divergent that you cannot say that Swiggy copied Doordash and vice versa. So I disagree with the proposition that these are not innovation in their own right but copying western ones.
Another good example would be Myntra. Though selling clothes online has been around since 2 decades, Myntra's approach to the complex problem of sizing issue, search-ability, options etc is an innovation that is entirely unique to it, and the fact that Amazon despite its dominance in the online retail market hasn't been able to crack the fashion segment is a testament of how innovative Myntra's value chain is. Innovation here isn't the idea that we can order clothes online but the how easy Myntra makes it for us to buy clothes by providing good estimate of the fit of any product, simple return procedure, the ability to search for clothes that someone was wearing just by uploading their pics. You cannot juyt equate an idea as innovation.
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