FACULTY OF MANAGEMENT

TRIBHUVAN UNIVERSITY

A FIELD VISIT REPORT

ON
"E-COMMERCE IN ESEWA"
Under the supervision of
Krishna Bhandari
Submitted By:
Pragya Dahal (Roll No: 24990/19)
Prashanta Neupane (Roll No: 24991/19)
Prasoona Khadka (Roll No: 24992/19)
Pratiksha Koirala (Roll No: 24993/19)
Preksha Pokhrel (Roll No: 24994/19)
Submitted To:
Department of Bachelor of Business Administration (BBA)
Nepal Commerce Campus
Minbhawan, Kathmandu

In partial fulfillment of course of E-commerce on Bachelor of Business

Administration degree
23rd April 2023
 LETTER OF RECOMMENDATION
I hereby recommend that this project is prepared under my supervision by Pragya Dahal,
Prashanta Neupane, Prasoona Khadka, Pratiksha Koirala and Preksha Pokhrel entitled
“eSewa” in partial fulfillment of the course of E-commerce for Bachelor of Business
Administration (BBA) is processed for the evaluation.

________________
Supervisor
Krishna Bhandari
BBA Faculty
 LETTER OF APPROVAL
This is to certify that project report prepared by Pragya Dahal, Prashanta Neupane,
Prasoona Khadka, Pratiksha Koirala and Preksha Pokhrel, entitled “eSewa” in partial
fulfillment requirements for course of E-commerce of Bachelor of Business
Administration has been studied. In our opinion, it is satisfactory in terms of scope and
quality as a project for the required course.

________________ ________________
Internal Examiner External Examiner
 ACKNOWLEDGEMENTS
We express our gratitude to the department of management, Nepal Commerce Campus for
giving us the opportunity to work on this field project on this topic. We want to thank our
teacher Mr. Krishna Bhandari who guided us. He encouraged us to work on this project.
We are also grateful to our college, friends and others who provided us with inspiration,
ideas andvaluable suggestions that helped in completion of our report. We would also like
to acknowledge eSewa for cooperating with us and providing us necessary resources for
the project. Any kind of suggestion as well as criticism will be appreciated and
acknowledged.
Pragya Dahal
Prashanta Neupane
Prasoona Khadka
Pratiksha Koirala
Preksha Pokhrel

i
 ABSTRACT
Our research work is a short account of how e-commerce has impacted the operations of
eSewa, a leading digital payment portal in Nepal, which allows you to make online and
offline payment to various merchants, transfer funds to various banks and many more
through online or SMS services. Our work describes about the background of eSewa
along with how e-commerce has been integrated into business operations. The impact of
e-commerce on the company's operations and how eSewa has enhanced its e-commerce
operations by implementing network infrastructure, security compliance measures, and
digital marketing strategies has been examined by the study. The study provides valuable
insights into the strategies employed by the company to achieve success in the digital
payments market. Finally, it is a form of direct payments and banking without physical
appearance at the MDA or bank through the means of electronic, interactive
communication channels and other technology infrastructure. eSewa is safer and easier
way to pay as eSewa is aimed to allow payments and money transfers to be made through
internet, all the access channels have been secured at software, hardware and network
level.

ii
 TABLE OF CONTENTS
ACKNOWLEDGEMENTS ........................................................................................... i
ABSTRACT .................................................................................................................... ii
TABLE OF CONTENTS ............................................................................................. iii
LIST OF FIGURE...........................................................................................................v
ABBREVIATIONS ....................................................................................................... vi
CHAPTER 1: INTRODUCTION ..................................................................................1
1.1 Organizational background ..................................................................................1
1.2 Objectives of the study ........................................................................................2
1.3 E-commerce in business ......................................................................................2
1.4 Impact of e-commerce .........................................................................................3
CHAPTER 2: METHODOLOGY .................................................................................6
2.1 E-commerce Operation and Procedures ..............................................................6
2.1.1 Operations .....................................................................................................6

2.1.2 Procedures .....................................................................................................6

2.2 Network Infrastructures.......................................................................................9

2.3 System Specifications ..........................................................................................9
2.3.1 Hardware specifications ................................................................................9

2.3.2 Software specifications ...............................................................................10

2.3.3 Tools and technologies used .......................................................................10

2.4 Payment methods...............................................................................................11

2.5 Digital marketing ...............................................................................................12
2.6 Security Compliance..........................................................................................13
CHAPTER 3: DISCUSSION AND FINDINGS .........................................................15
3.1 SWOT Analysis .................................................................................................15
3.1.1 Strength: ......................................................................................................15

3.1.2 Weaknesses: ................................................................................................15

3.1.3 Opportunities: .............................................................................................15

3.1.4 Threats: .......................................................................................................16

iii
 3.2 Findings and Analysis........................................................................................16
CHAPTER 4: CONCLUSION AND RECOMMENDATION ..................................17
4.1 Conclusion .........................................................................................................17
4.2 Recommendation ...............................................................................................17
REFERENCES ..............................................................................................................19
APPENDIX ....................................................................................................................20

iv
 LIST OF FIGURE
Figure 2.1 Business process of Esewa.............................................................................................8

v
 ABBREVIATIONS
ADSL Asymmetric Digital Subscriber Line
AI Artificial Intelligence
API Application Programming Interface
ATM Automated Teller Machine
B2B Business to Business
B2C Business to Customer
BSR Business Standardization and Registration
CPU Central Processing Unit
DTH Direct To Home
EMI Equated Monthly Installment
HDD Hard Disk Drive
HTTP Hyper Text Transfer Protocols
IME International Money Exchange
ISO International Organization for Standardization.
KYC Know Your Customer
MDA Market Development Assistance
MPIN Mobile Personal Identification Number
NEA Nepal Electricity Authority
NT Nepal Telecom
NTC Nepal Telecom
RAM Random Access Memory
RDBMS Relational Database Management System
SEO Search Engine Optimization
SMS Short Message System
SSD Solid State Drive
SSL Secured Socket Layer
TLS Transport Layer Security
TV Television
VPN Virtual Private Network

vi
 CHAPTER 1: INTRODUCTION
1.1 Organizational background
ESewa is a leading digital wallet and online payment service provider in Nepal. It was
founded in 2009 by a group of Nepali entrepreneurs with the aim of making digital
payments accessible to everyone in Nepal. South Asia’s first digital wallet, licensed
Payment Service Provider from Nepal Rastra Bank (Central Bank of Nepal), and an ISO
27001:2013 certified, eSewa is a subsidiary company of F1Soft International, a leading
Fine Tech company of Nepal. Team eSewa has been working tirelessly to achieve its
vision to create a cashless economy.
Since its inception, eSewa has grown rapidly and currently has more than 6 million
registered users and over 50,000 merchants on its platform. The company offers a wide
range of payment services, including mobile top-up, utility bill payments, movie ticket
bookings, online shopping, and money transfers (Khatun, 2022).
ESewa has partnered with various banks and financial institutions in Nepal to provide
seamless and secure payment services to its users. It also offers a mobile application that
can be downloaded from the Google Play Store and Apple App Store.
The company has won numerous awards and accolades for its contribution to the digital
payments landscape in Nepal. It was awarded the "Best Fintech Company" and "Best
PaymentGateway" at the 2019 South Asian Business Excellence Awards, among others.
Overall, eSewa has played a significant role in promoting digital payments in Nepal and
has become a trusted and reliable brand in the country's fintech industry. Customers can
register and get mobile mobile money account instantly, cash-into their wallet from agents
and partners banks and start making payments. Customers can use different services
provided by esewa.
Some of them are as follows:
 Mobile phone recharge and Top-up:
Users who use prepaid and postpaid NTC/Ncell/Smart cell can recharge their
balance via eSewa. DTH service providers like Dish Home and Sim TV and
internet services providers like NT ADSL, Worldlink, Subisu, Websurfer also
accepts payment through eSewa.
 Utilities bill Payments:
1
 Customer can pay bills for electricity (NEA payment), water (khanepani payment)
and telephone (NT landlines) via eSewa) bill Payments
 Airlines/Bus ticketing:
Some airlines like Buddha air, Yeti air, Shree air and Simrik air accept payments
for online ticket purchase via eSewa. Some major multiplexes like QFX cinema,
Q’s cinemas, BigMovies, BSR movies accept online ticket booking via eSewa.
Insurance/EMI/Finance Payments
 Online product purchasing:
Various stores and shopping malls accept online payment from eSewa while
buying product online.
 Credit card Payments:
Credit card user of following banks can make credit card payment via eSewa i.e.
Nabil Bank, Global IME Bank, NMB Bank, Siddhartha Bank, Prabhu Bank,
Citizens Bank, NIC Asia Bank, Laxmi Bank, Prime Commercial Bank, Sanima
Bank. (www.blogesewa.com, n.d.)
1.2 Objectives of the study
The objectives behind our study on the subject of e-commerce in e-sewa are:
 To review the e-commerce site in e-sewa.
 To analyse the business model and network security infrastructure used by e-sewa.
 To collect enough data to know about the e-sewa.
 To understand the basic requirements for opening up an e-commerce website.
 To highlight the service provided by e-sewa.
 To know how an economic website works, both on application level and physical
level.
1.3 E-commerce in business
Esewa is a popular digital wallet and payment gateway service in Nepal that provides
various financial services to businesses, using ecommerce solutions. eSewa uses
commerce solutions that enable businesses to accept online payments from customers and
process online transactions securely and efficiently.
Ecommerce has become increasingly important in the business world, and esewa

2
recognizes the significance of ecommerce for its customers and the economy of Nepal.
Ecommerce provides a convenient way for customers to purchase products and services
from the comfort of their own homes. With Esewa's ecommerce solutions, customers can
easily make payments using their digital wallets, making the process of online shopping
faster and more convenient. Furthermore, ecommerce enables esewa to reach a wider
audience, as they can sell its services to customers anywhere in the world. This increased
reach opens up new opportunities for esewa to expand its customer base and grow their
revenue. With the help of ecommerce, eSewa provides customers with a seamless and
personalized shopping experience. Customers can easily browse products and services,
make payments using their digital wallets, and track their orders in real-time, improving
their overall satisfaction with the purchasing process. Ecommerce can provide eSewa with
a competitive advantage over its competitors. By offering online sales and a seamless
customer experience, eSewa can differentiate itself in the market and attract more
customers.
In summary, ecommerce is important in Esewa as it provides convenience, increased
reach, cost-effectiveness, improved customer experience, and a competitive advantage for
businesses.Esewa recognizes the importance of ecommerce in today's digital economy and
has developed robust ecommerce solutions to help businesses succeed in the online
marketplace. E-sewa uses e-commerce in many of its business processes. E-sewa uses two
forms of e-commerce models,which are as follows:
1. Business to business Model (B2B Model): E-sewa has business to business model as a
primary working structure. The relationship between the e-sewa and customer and also e-
sewa Company with different business for the payment of different utility bills introduces
the B2B model in the system.
2. Business to customer model (B2C Model): E-sewa and customer deal with each other.
E-sewa creates e-sewa account to those who don’t have any bank account. User can have
either cash deposit or counter deposit. E-sewa is established to provide online payment
gateway in Nepal to customer. So, they take only few charge/no charge from customer.
(Khatun, 2022)
1.4 Impact of e-commerce
Esewa is Nepal-based Company mainly focused on electronic payment system. It is one of

3
the major service provided by f1soft which is the well-known name for safer and easier
way to pay online. It offers a state-of-art payment gateway solution that incorporates some
of the latest integrated techniques developing a secured, fast, and real-time gateway. It has
been growing astrusted company because of its quality service to its customers.
Though there are others payment gateways e-sewa has become the first choice due to its
goodwill. More than twenty five thousands of customers with sixty five percent of active
customers have been benefited by its services and the number of users is increasing day by
day.
E-commerce (electronic commerce) is the buying and selling of goods and services, or the
transmitting of funds or data, over an electronic network, primarily the internet. E-
Commerce is growing at a rapid pace across the world with the penetration of smart
phones and internet across the different levels of society across the world. The growth and
its gains are already visible from the studies in developed countries, but with the business
going to developing and underdeveloped nation, we will be witnessing greater positive
results going forward. E-sewa uses an E-commerce system for a purpose as it largely
impacts the business.
The impacts of the e-commerce system on the business are as follows:
 Increased Usage: E-commerce has led to a surge in online transactions, resulting
in increased usage of eSewa. As more people turn to online shopping, they require a
secureand convenient way to make payments, and eSewa provides just that.
 Expanded Services: E-commerce has also driven the expansion of eSewa's
services. The platform now offers a wide range of services beyond just digital
payments, including online shopping, mobile top-up, bill payments, and more.
 Improved Customer Experience: E-commerce has raised the bar for customer
experience, and eSewa has responded by introducing new features and services
t h a t i m p r o v e the user experience.
 Enhanced Security: With the rise of e-commerce, the need for secure online
transactions has become more important than ever. eSewa has responded by
implementing advanced security measures to protect its users' data and
transactions.
 Increased Revenue: The growth of e-commerce has led to increased revenue for

4
eSewa, as more businesses turn to digital payments to facilitate their online sales.
This has helped to drive the growth of eSewa's business and position it as a key
player in thedigital payments landscape in Nepal

5
 CHAPTER 2: METHODOLOGY
2.1 E-commerce Operation and Procedures
2.1.1 Operations
eSewa operations offer range of digital payment solution making it more popular choice
among Nepalese consumer. Since it is e-commerce as well as M-commerce business, it
provides services 24/7/365 to the all kind of consumers. Following are the operation
eSewa includes:
 Online payment gateway: eSewa offer an online payment gateway that enables
customer to pay for goods and services online, using their eSewa wallet. This
payment gateway is integrated with various e-commerce websites in Nepal making
it easy for customer to pay for their purchase
 Mobile app for shopping: eSewa’s mobile app offers a shopping feature that
allows users to browse and purchase product from various e-commerce store.
Customer can pay for their purchases directly from their eSewa wallet, making the
shopping experience fast and convenient.
 Bill payment: eSewa allows customer to pay their utility bills, internet bills,
mobile recharge, and others bill online, directly from their eSewa wallet. This
feature eliminateneed to stand in long queue to visit the bill payment center.
 Money transfer: eSewa enable customer to transfer money to other eSewa user or
bank accounts in Nepal. This feature is especially useful for those who want to
send money to their friends and family living in different parts of the country.
 Online ticketing: eSewa offer an online ticketing services that enables customer to
book tickets for movies, concert, and event in Nepal. Customers can pay for their
tickets online using their eSewa wallet and avoid the hassle of standing in long
queues.
2.1.2 Procedures
E-commerce procedures refers to the various steps involved in conducting online
transactions between buyers and sellers. ESewa also provides a convenient way for users
to make online payment for various goods and services. Here are the main procedures
involve in eSewa:

6
  Website development: ESewa have website www.eSewa.com for conducting
online transaction and www.eSewablog.com for provide detailed information about
their services and other information.
 Online catalog: ESewa has an online catalog that lists all the services the offer.
This catalog includes service description, charge for descriptions and syntax for
made payment thorough websites.
 Sign up for an eSewa account: Customer can sign up for an eSewa account on the
eSewa website or mobile app. Users will need to provide personal information or
they can simply fill up KYC form.
 Add fund to eSewa wallet: After register their eSewa account, they got their
personal id and password. Then they can add funds to eSewa wallet using various
methods, such as bank transfer, mobile banking, or debit/credit card.
 Find a merchant that accepts eSewa payments: Users can find the list of
merchants that accept eSewa payments on the eSewa website or mobile app. other
popular e-commerce websites in Nepal, such a Daraz and SastoDeal also accept
eSewa payments.
 Place an order and select eSewa as the payment method: After selecting the
items, ticket, or bills, customers can select eSewa as the payment method during the
checkout process.
 Enter eSewa login credentials and confirm the payment: User will be redirected
to eSewa website or mobile app to complete the payment. Enter eSewa login
credentials and confirm the payment amount.
 Receive conformation of the transactions: Once the payment is completed, user
will receive a conformation message from eSewa and the merchant.
 Check eSewa transaction history: Users can check their eSewa transaction history
to confirm that the payment has been processed successfully.
Overall, using eSewa for e-commerce other business transactions is a quick and
convenient way to pay for goods and services. Customer, merchant and partners bank
provides effort to make eSewa one of finest payment gateway.

7
 Figure 2.1 Business process of Esewa
2.2 Network Infrastructures
The network infrastructure incorporates all of the organization’s data, and
communication. Network infrastructure refers to the hardware and software resources of
an entire network that enable network connectivity, communication, operations and
management of an enterprise network. Network infrastructure provides the
communication path and services between users, processes, applications, services and
external internet. In eSewa network infrastructure made lot easier for to connect different
functional department of eSewa like international ticketing, customer handling,
transaction controlling, merchant handling, human resource, security department.
 Networking hardware includes networking devices (modem, hubs, switches,
routers, computers), data center (physical servers, database software). 
 Networking software basically contains security software (firewall, antivirus
software),system software (operating system, browsers), application system etc.
 Network types used by eSewa are internet, intranet, VPN. Where, internet is used
for connect with customer and merchant. Intranet is used for communicate the
information within cross functional unit of eSewa. Virtual Private Network is used
transaction process and to passes confidential information to data center for
storage.

8
2.2 Network Infrastructures
The network infrastructure incorporates all of the organization’s data, and
communication. Network infrastructure refers to the hardware and software resources of
an entire network that enable network connectivity, communication, operations and
management of an enterprise network. Network infrastructure provides the
communication path and services between users, processes, applications, services and
external internet. In eSewa network infrastructure made lot easier for to connect different
functional department of eSewa like international ticketing, customer handling,
transaction controlling, merchant handling, human resource, security department.
 Networking hardware includes networking devices (modem, hubs, switches,
routers, computers), data center (physical servers, database software).
 Networking software basically contains security software (firewall, antivirus
software), system software (operating system, browsers), application system etc.
 Network types used by eSewa are internet, intranet, VPN. Where, internet is used
for connect with customer and merchant. Intranet is used for communicate the
information within cross functional unit of eSewa. Virtual Private Network is used
transaction process and to passes confidential information to data center for
storage. 
2.3 System Specifications
eSewa is a digital wallet and online payment platform which allows users to make online
transactions and pay for various services. The system specifications used in eSewa may
vary depending on the specific services and features that are being used, as well as the
type of device and operating system being used. However, here are some general system
specifications that are used in eSewa:
2.3.1 Hardware specifications
Some general hardware specifications that are used by eSewa are:
 Servers: eSewa uses multiple servers to host its website and database, which are
responsible for handling user requests and storing transaction data. The servers are
equipped with high-performance CPUs, and large amounts of RAM to ensure fast
processing speeds and reliable data storage.
 Networking equipment: eSewa uses network switches, routers, and firewalls to
9
 manage and secure its network infrastructure. These devices are designed to
provide high-speed connectivity and protect against potential security threats.
 Storage devices: eSewa uses various storage devices, such as solid-state drives
(SSDs)or hard disk drives (HDDs), to store user data and transaction records.
 Load balancers: eSewa uses load balancers to distribute user requests among
multiple servers, ensuring that the workload is evenly distributed and preventing
any single server from becoming overwhelmed.
Overall, hardware of eSewa are designed to provide high performance, reliability, and
security,ensuring that users can make transactions quickly and safely.
2.3.2 Software specifications
Being a digital payment platform, the eSewa uses below listed software specifications:
 Programming language: eSewa is built using JavaScript as a programming
language.
 Frameworks: eSewa uses bootstrap as a framework.
 Database: eSewa uses a relational database management system (RDBMS) such as
Oracle or MySQL to store its data.
 Payment Gateway Integration: eSewa uses Payment Gateway Integration to
facilitate online payment. It supports various payment methods such as eSewa
balance, credit/debit cards, and bank transfers.
 Security: eSewa uses industry-standard security protocols such as Secure Sockets
Layer (SSL) and Transport Layer Security (TLS) to ensure the security of its users'
data.
 Mobile Application: eSewa provides a mobile application for its users, which is
available for both Android and iOS platforms. The app is built using native
languages such as Kotlin for Android and Swift for iOS.
 APIs: eSewa provides APIs (Application Programming Interfaces) for customers
to make payment from associated merchant application in secure environment.
Overall, eSewa uses a combination of programming languages, frameworks, and
technologies to provide a secure and reliable payment platform for its users.
2.3.3 Tools and technologies used
eSewa is a digital wallet and online payment gateway. The company uses a variety of tools
10
andtechnologies to provide its services to customers. Here are some of the main tools and
technologies used in eSewa:
 Mobile App: eSewa has a mobile app for both Android and iOS devices, which
allowscustomers to easily access and manage their eSewa account.
 Web Portal: eSewa also has a web portal that can be accessed through a browser
on desktop and laptop computers.
 Payment Gateway: eSewa provides a payment gateway service that allows
merchantsto accept payments from eSewa users.
 SMS Gateway: eSewa uses an SMS gateway to send notifications to customers
regarding their account activity.
 APIs: eSewa provides APIs that allows customers to make payment from
associated merchant application in secure environment.
 Cloud Computing: eSewa uses cloud computing services to provide scalable and
reliable infrastructure for its services.
 Security Technologies: eSewa uses various security technologies such as SSL
encryption, two-factor authentication, and fraud detection to ensure the security of
its customers' data and transactions.
 Database Management: eSewa uses database management technologies to store
and manage customer data and transaction records.
 Mobile Wallet: eSewa uses a mobile wallet technology to store customers'
fundssecurely in their eSewa account.
Overall, eSewa uses a range of tools and technologies to provide its digital wallet
and onlinepayment services to customers in Nepal.
2.4 Payment methods
eSewa is a popular digital wallet and payment gateway. It offers several payment
methods for its users. Here are some of the payment methods that are currently available
on eSewa:
 Bank transfer: eSewa allows you to transfer money from your bank account to
youreSewa wallet.
 Debit/Credit card: You can add your debit/credit card to your eSewa account
andmake payments directly from your card.
11
  eSewa cash deposit: You can deposit cash into your eSewa wallet by visiting
any ofthe eSewa cash deposit counters.
 Mobile banking: You can use your mobile banking app to transfer money to
youreSewa wallet.
 Internet banking: You can use internet banking to transfer money to your
eSewawallet.
 ATM transfer: You can use an ATM to transfer money to your eSewa wallet.
 eSewa voucher: You can buy an eSewa voucher from an authorized dealer and
use itto add funds to your eSewa account.
These are some of the popular payment methods offered by eSewa. The availability of
payment methods may vary depending on your location and the eSewa service you are
using.
2.5 Digital marketing
eSewa is a leading digital wallet and payment gateway in Nepal. Digital marketing can be
a very effective way for eSewa to reach out to potential customers and increase its user
base. Here are some digital marketing strategies that can be used by eSewa:
 Social media marketing: eSewa can create social media profiles on platforms like
Facebook,Twitter, and Instagram and use them to engage with potential customers.
By regularly posting interesting and informative content, eSewa can build a
community of followers and increase brand awareness.
 Email marketing: eSewa can use email marketing to promote its services to its
existing user base. By sending regular newsletters and promotional emails, eSewa
can keep its users informed about new features and special offers.
 Search engine optimization (SEO): By optimizing its website for search engines,
eSewa can improve its visibility and attract more traffic to its website. This can be
achieved by using relevant keywords, creating high-quality content, and building
backlinks.
 Pay-per-click (PPC) advertising: eSewa can use PPC advertising to target
specific keywords and demographics. By bidding on relevant keywords, eSewa
can ensure thatits ads appear at the top of search engine results pages.
 Influencer marketing: eSewa can collaborate with social media influencers who
12
 have a large following to promote its services. By partnering with influencers who
have an audience that is likely to use eSewa's services, eSewa can increase brand
awareness andreach new customers.
Overall, a well-executed digital marketing strategy can help eSewa to reach a wider
audience and increase its user base. (Khatun, 2022)
2.6 Security Compliance
Security refers to the process of protecting software applications from various types of
security threats, vulnerabilities, and risks. This involves implementing various measures
and controls to prevent unauthorized access, data breaches, and other forms of
malicious attacks that can compromise the confidentiality, integrity, and availability of
an application. E-sewa uses following security measures:
 Two-factor authentication: The user's identity is verified during the registration
process, and only the user whose name is registered is allowed to access the
account and transact. Upon successful registration, eSewa provides the user with a
personal account that can be accessed through a website or a compatible mobile
application usinga password and MPIN (Mobile Personal Identification Number). It
is important to keepthe account password and any identification provided by eSewa
confidential to preventunauthorized access and fraudulent activities.
 SSL (Secure Sockets Layer): When a user accesses eSewa's website or mobile
application, SSL creates a secure connection between the user's device and eSewa's
server, ensuring that any data transmitted between the two is encrypted and
protected from unauthorized access. This includes sensitive information such as
login credentials, personal details, and financial information. Additionally, SSL
helps to prevent various types of security threats such as data interception,
tampering, and forgery, thereby enhancing the overall security and integrity of the
platform.
 Firewall: eSewa uses a firewall as a security measure to protect its servers and the
data stored on them. eSewa's firewall is designed to prevent unauthorized access to
its servers by filtering and blocking any potentially harmful traffic from the
internet or other external networks. The firewall is configured to allow only
authorized traffic and communication to and from eSewa's servers, while blocking

13
 any suspicious or malicious traffic threats such as hacking, malware, and other
types of cyber-attacks that could compromise the security of the platform. This
helps to ensure that users' personal and financial information is kept secure and
confidential, providing users with a safe and reliable platform for their online
transactions.
 HTTP (Hypertext Transfer Protocol): eSewa uses HTTP as the underlying
protocol for communication between a user's web browser or mobile application
and eSewa's servers. HTTP is a protocol used for transmitting data over the
internet, and it allows users to interact with web-based applications and services.
 Fraud detection measures: eSewa employs several fraud detection measures to
protectits users from fraudulent activities. These measures include:
i. Monitoring Transactions: eSewa monitors all transactions made on its
platform, looking for any suspicious patterns or behavior.
ii. AI-Based Fraud Detection: eSewa employs advanced technologies such as
machinelearning and artificial intelligence to detect patterns and anomalies that
may indicatefraud.
iii. Manual Review: eSewa also has a team of fraud prevention specialists who
manually review suspicious transactions to determine whether they are
legitimate or fraudulent.

14
 CHAPTER 3: DISCUSSION AND FINDINGS
3.1 SWOT Analysis
A SWOT analysis is a strategic planning tool used to evaluate the strengths, weaknesses,
opportunities, and threats involved in a business. It helps organizations identify internal
and external factors that can impact their performance and develop strategies to capitalize
on strengths and opportunities while mitigating weaknesses and threats.Each components
of SWOT analysis of esewa are as follows:
3.1.1 Strength:
 Easy registration process. Modern and simple user interface with multiple
functions.
 Esewa employs various security measures to ensure safe and secure transactions.
 Accessibility: Available as a mobile app and website, making it accessible to users
across Nepal.
 Multiple payment options: Supports multiple payment methods, giving users
more flexibility and choice.
 Value-added services: Provides various value-added services such as mobile
recharge, bill payments, and money transfer services.
3.1.2 Weaknesses:
 E-Sewa has limited reach. eSewa is currently only available in Nepal, which means
users outside of the country cannot use the platform
 Controversies regarding online payment transaction.
 Not too popular in rural Nepal due to lack of telecommunication network.
 eSewa has limited merchant network
 Limited customer support: Some users have reported difficulty getting in touchwith
eSewa's customer support team, which can be frustrating in case of any issues or
queries.
3.1.3 Opportunities:
 Growing popularity of online services and e-commerce sites (Daraz, Fymo,
Muncha) creating demand for online payment solutions.
 Increasing access to internet along with rapid adaptation of mobile platforms.

15
  Service providers are also facilitated from e-Sewa as they don’t have to display
their products and find the customers.
 Emerging cashless economies and wide use of digital currencies.
3.1.4 Threats:
 Competition from rivals (IME Pay, Khalti)
 Sometimes e-Sewa gets incompatible with web browsers.
 Insecure online transactions due to increased cases of hacking.
3.2 Findings and Analysis
ESewa is a digital payment gateway company based in Nepal. Esewa have experienced
rapid growth in recent years. This is due to the increasing adoption of digital payments, e-
commerce, and mobile banking in Nepal. ESewa's success can be attributed to its early
entry into the digital payment market in Nepal, which allowed it to establish a strong
brand presence and build a large user base. By offering a platform that enables users to
pay bills, top-up mobile phones, and make online payments, eSewa has made it easier for
users even in remote areas of the country to make payments, transfer money, and manage
their finances. This has resulted in increased convenience and time savings for customers
.The company's mobile app has also been well-received by users, as it provides a simple
and easy-to-use interface. As digital payments become more prevalent in Nepal, there is an
increased risk of cybercrime and security breaches. ESewa has also taken several steps to
address security concerns related to digital payments such as two factor authentication,
encryption technology, fraud detection and prevention, and user education which
demonstrates its commitment to protecting its users' financial information and
maintaining a secure platform for digital payments.
Looking forward, eSewa is well-positioned to continue its growth and expansion as
digital payments become increasingly important in Nepal. The company's focus on user
convenience and its strong partnerships with banks and financial institutions are key
factors that will help it maintain its position as a leading digital payment provider in the
country. As more users turn to digital payments for their financial transactions, eSewa is
poised to play an even bigger rolein the development of Nepal's digital economy.

16
 CHAPTER 4: CONCLUSION AND RECOMMENDATION
4.1 Conclusion
ESewa is the horizon of payment gateway platform. It is the first and leading payment
services provider of Nepal. It provides various payment services and its services are
expanding in various sectors. Almost every sector of commerce and finance sector eSewa
spread its services. Since it was first payment gateway, it has pressure to serve secure
services to market, but eSewa easily handle that pressure and provide secure services
along with real time transaction. Because of this eSewa earned reputation over the market
which help it to introduce new services without huge promotion. ESewa made huge
impression on Nepalese society by introducing new and risky yet most demanded
platform. Starting from very few customers to become a household brand of country is
the most inspirational and struggling growth of eSewa. Esewa is the safer, easier method
to pay online. As, payment in e-sewa is done over a secured channel without exposing
any personal detail. It provides 100% protection against any unauthorized payments. E-
sewa is very easy and convenient to use because it assures fast transactions and also
remove a lot of hassles associated with physical cash.Yet it has to do a lot in this platform
to achieve their objective and overcome the challenges arising in digital era.
4.1 Recommendation
Esewa is a popular digital payment service provider in Nepal. It has been market leader
among the digital wallets prevailing the country. Depsite of being market leader, here are
some recommendations for Esewa:
 Collaborate with banks and financial institutions: Esewa can collaborate with
banks and financial institutions to expand its services and offer more value to
customers. This can include offering credit options up to some extends.
 Promote financial literacy: Esewa can promote more on financial literacy among
its customers by providing educational resources and tools on managing finances,
budgeting, and saving. This can help customers better understand the benefits of
digital payments and financial planning.
 International Services: E-sewa should be able to accept international cards and
load money on them, allowing numerous businesses to expand overseas. By

17
 introducing an easy remittance in e-sewa, it will allow overseas Nepalese transfer
funds to their home nation in a quick and secure way.
 Enhance marketing and brand awareness: Esewa should enhance its marketing
efforts to increase brand awareness and attract new customers. This can include
sponsoring events, partnering with other businesses, and creating engaging social
media content.

18
 REFERENCES
(n.d.). Retrieved from https://esewa.com.np/#/home
About us. (2022). Retrieved from Blog esewa: www.blog.esewa.com
Khatun, S. (2022, December 20).

19
 APPENDIX

Appendix 1: Field Visit of esewa office al Pulchok Lalitpur

Appendix 2: Web portal of esewa for customer interface

20
Appendix 3: Mobile App interface for customers

21