UPI's attempt to fight transaction failures, user experience gaps in low value transfers
UPI's evolution to dominate retail volumes, and its big steps towards international, credit cards, and offline transactions
Prepaid card and wallet issuers move towards co-brand credit cards, early salary products, and struggle underneath RBI regulations
Reserve bank begins CBDC pilots, and debates Digital Rupee's (e₹) design and use cases
Merchants and PA/PGs face multiple new challenges with the card data storage restrictions going live
RBI questions the existing payment charges, and seeks feedback on what and how it should regulate
RBI's digital lending rules focus on transparency to borrowers and on limiting non-RE involvement
Credit cards market stays bullish on issuance and spends, while regulatory clouds hover above
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Unit Economics