Atul Hasija

Any idea of plan to rollout in India the Palm payment systems...?? https://lnkd.in/dqdAKAiT Palm payment systems use biometric technology to enable contactless transactions by scanning unique palm vein patterns or prints. Users register their palm data, linking it to a payment method like a bank account or digital wallet. At checkout, they hover their hand over a near-infrared sensor, which verifies identity and processes the payment in seconds. Major players include: - *Amazon One*: Deployed across 500+ U.S. Whole Foods stores, it uses palm signatures for payments and loyalty programs. Data is encrypted and stored in AWS Cloud.[](https://lnkd.in/dhsQZBiH) - *Visa and Tencent*: Piloting palm payments in Singapore with banks like DBS and UOB, showcased at the Singapore Fintech Festival.[](https://lnkd.in/drcb8RVU) - *J.P. Morgan and Mastercard*: Planning broader rollouts in 2025, with Mastercard integrating palm biometrics into checkout programs.[](https://lnkd.in/deaYTxQJ) *Benefits*: - *Security*: Vein patterns are harder to replicate than fingerprints or facial data.[](https://lnkd.in/d7ErcUkU) - *Convenience*: No need for cards, phones, or PINs.[](https://lnkd.in/da57WE2J) - *Hygiene*: Contactless, reducing germ transmission.[](https://lnkd.in/dkSWUDac) - *Speed*: Transactions take seconds, ideal for high-traffic areas.[](https://lnkd.in/dgj54pZS) #Fintech #NPCI #UPI #Palm #Payments

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BharatPe and Unity launch lifetime-free RuPay credit card with UPI #BharatPe has teamed up with Unity Small Finance Bank to launch the BharatPe Unity Bank Credit Card, a product designed to democratize credit access in India’s booming digital payments ecosystem. Running on the #RuPay network, the card is fully #UPI-compatible, allowing seamless payments across millions of merchants nationwide. Unlike traditional cards, it follows a zero-fee structure—with no joining fee, annual charges, or processing costs—while giving users the flexibility to prepay EMIs without penalties. The card introduces an auto-EMI feature with tenure options up to 12 months, empowering users to manage cash flows more responsibly and avoid high-interest revolving credit traps. Every EMI-converted transaction earns a flat 2% in #Zillion Coins, which can be redeemed via the BharatPe app for vouchers, products, or even credit card bill repayment. Additional perks include complimentary lounge access and health check-ups, blending lifestyle benefits with financial convenience. Backed by Resilient Innovations (BharatPe) and Centrum Financial Services through Unity Bank, the initiative is part of BharatPe’s wider push into financial services, following its RBI-approved payment aggregator licence. By combining rewards, transparency, and UPI-native flexibility, this launch could reshape consumer credit adoption in India. The article on #ElectronicPaymentsInternational in the first comment.

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🕹️💵“Unsecured Lending: Why the Old Playbook is Dead and What Comes Next” ☹️The unsecured lending specially, card business is no longer about steady revolvers and loyal customers. Switching is easier, loyalty is thinner, and NPAs are rising, making the old model unsustainable. The only way forward? Hyper-personalisation that balances growth, risk, and profitability. 💁🏻The Shift in Play 🫥Customer stickiness is falling: Digital onboarding and co-brands make switching effortless. 🫥Income lines are under pressure: Interchange caps, lower fee tolerance, and rising transactors dilute revenue. 🫥Risk profile is worsening: NPAs in credit cards touched ₹6,742 crore (2.3% of outstanding ₹2.92 lakh crore) as of Dec’24 ,a 28% YoY jump. All the big issuers have seen rising write-offs despite double-digit growth in spends and active cards. 😨This points to a dangerous mix: Transactors (low yield), Revolvers (higher risk), and Abusers (promo-gamers driving losses). 🤯Why the Old Model is Breaking Broad-based incentives and long amortisation cycles assumed stable behaviour and loyalty. But with easy switching and shorter holding periods, acquisition costs can’t be recovered and rising bad rates make the business model unviable. 💁The New Rule: Hyper-Personalisation Hyper-personalisation is no longer a marketing buzzword. it’s the backbone of profitability. Done right, it: 1. Optimises revenue: Match rewards, limits, and pricing to real customer behaviour. 2. Cuts costs: Reduce ineffective mass campaigns and CAC. 3. Contains risk: Spot early stress signals and intervene before delinquency. 😎What Issuers Must Do ₹ Re-segment around behaviour, not just credit score. ₹ Dynamically calibrate pricing, limits & offers. ₹ Align risk & marketing under a single P&L view. ₹ Build real-time early-warning systems for abusers and stressed cohorts. 🥸Bottomline The playground has changed, and so have the rules. Hyper-personalisation is now the single lever that can balance growth, risk, and profitability in credit cards. The issuers who move fastest will set the new benchmarks in unsecured lending.

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RBI's New Digital Banking Norms – A Step Toward Safer, Smarter Banking RBI's July 2025 draft norms aim to empower customers and increase transparency in digital banking. * View-only vs Full Access – You choose * No hidden third-party product pitches * Stronger complaint handling & app permissions * Full visibility into charges, risks, and consent These norms will create trust and usability in digital platforms, ensuring a fairer experience for all stakeholders. #RBI #DigitalBanking #Fintech #CustomerExperience #BankingRegulations #UX #Transparency

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💭 Large Ticket Corporate Funding – A Double-Edged Sword? In many high-value corporate lending cases, banks extend facilities of ₹50 crore, ₹100 crore or more… But often with only 25%–40% security coverage — and sometimes no tangible collateral at all. So why do we do it? ✅ The Positives: • Strong business cashflows & ratings offer comfort • Large corporates bring in NTB (new-to-bank) value • High-value clients open doors to cross-sell (trade, treasury, salary accounts, etc.) • Relationships with marquee names boost the bank’s brand equity But the risks are equally real. ❌ The Risks: • A sudden industry downturn or regulatory action can erode repayment ability overnight • With low security coverage, recovery becomes extremely difficult • The moment it slips to NPA, it hits provisioning, profits — and more painfully, the banker’s own career KPIs 📉 Once it becomes NPA: • Provisioning eats up bank profits • Credit cost surges • Resolution may take years — or end in haircuts • The RM / Credit officer / Sanctioning authority may face internal scrutiny This is why risk appetite must be balanced with credit discipline. In the chase for large-ticket growth, let’s not lose sight of prudence. At the end of the day, it’s public money we’re lending. And trust, once lost — is hard to recover. Let’s lend big — but lend wise. #CorporateLending #BankingRisks #NPAs #CreditManagement #LargeTicketLoans #RiskVsReward #BankersLife #PublicMoneyMatters #LinkedInBankingThoughts #CreditDiscipline #SecureLending #BankingEthics

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𝐑𝐁𝐈’𝐬 𝐍𝐞𝐰 𝐃𝐢𝐫𝐞𝐜𝐭𝐢𝐨𝐧𝐬 𝐨𝐧 𝐃𝐢𝐠𝐢𝐭𝐚𝐥 𝐏𝐚𝐲𝐦𝐞𝐧𝐭 𝐀𝐮𝐭𝐡𝐞𝐧𝐭𝐢𝐜𝐚𝐭𝐢𝐨𝐧 – 𝐖𝐡𝐚𝐭 𝐈𝐭 𝐌𝐞𝐚𝐧𝐬 𝐟𝐨𝐫 𝐈𝐧𝐝𝐢𝐚’𝐬 𝐅𝐢𝐧𝐭𝐞𝐜𝐡 𝐄𝐜𝐨𝐬𝐲𝐬𝐭𝐞𝐦 On September 25, 2025, the Reserve Bank of India (RBI) released the Authentication Mechanisms for Digital Payment Transactions Directions, 2025. These guidelines are a significant step forward in strengthening India’s digital payment landscape and preparing it for future-ready authentication methods beyond the traditional SMS-based OTP. 👉 𝐊𝐞𝐲 𝐇𝐢𝐠𝐡𝐥𝐢𝐠𝐡𝐭𝐬 ➡️ 𝐄𝐟𝐟𝐞𝐜𝐭𝐢𝐯𝐞 𝐃𝐚𝐭𝐞: All payment system providers (banks and non-banks) must comply by April 1, 2026. ➡️ 𝐓𝐰𝐨-𝐅𝐚𝐜𝐭𝐨𝐫 𝐀𝐮𝐭𝐡𝐞𝐧𝐭𝐢𝐜𝐚𝐭𝐢𝐨𝐧 (𝟐𝐅𝐀): - Minimum two distinct factors required for all digital payment transactions. - At least one factor must be dynamic (e.g., OTP, token, biometrics). - Exemptions remain for small-value contactless, recurring e-mandates, select PPIs, offline small-value transactions, NETC, and certain travel bookings. ➡️ 𝐑𝐢𝐬𝐤-𝐁𝐚𝐬𝐞𝐝 𝐀𝐮𝐭𝐡𝐞𝐧𝐭𝐢𝐜𝐚𝐭𝐢𝐨𝐧: Issuers can apply contextual and behavioural checks (location, device, transaction history). For high-risk transactions, additional checks may be imposed. ➡️ 𝐈𝐧𝐭𝐞𝐫𝐨𝐩𝐞𝐫𝐚𝐛𝐢𝐥𝐢𝐭𝐲 & 𝐎𝐩𝐞𝐧 𝐀𝐜𝐜𝐞𝐬𝐬: Tokenisation and authentication services must be accessible across apps and devices, ensuring uniform customer experience. ➡️ 𝐈𝐬𝐬𝐮𝐞𝐫’𝐬 𝐑𝐞𝐬𝐩𝐨𝐧𝐬𝐢𝐛𝐢𝐥𝐢𝐭𝐲: - Issuers must ensure robustness of authentication systems. - Full customer compensation mandated if loss arises due to non-compliance. - Compliance with the Digital Personal Data Protection Act, 2023 is mandatory. ➡️ 𝐂𝐫𝐨𝐬𝐬-𝐁𝐨𝐫𝐝𝐞𝐫 𝐓𝐫𝐚𝐧𝐬𝐚𝐜𝐭𝐢𝐨𝐧𝐬: - From October 1, 2026, Indian card issuers must validate non-recurring cross-border card-not-present (CNP) transactions. - Risk-based monitoring frameworks are mandatory for international CNP payments. ➡️ 𝐑𝐞𝐩𝐞𝐚𝐥 𝐨𝐟 𝐎𝐥𝐝𝐞𝐫 𝐆𝐮𝐢𝐝𝐞𝐥𝐢𝐧𝐞𝐬: Several older circulars (dating back to 2009) on card security and risk mitigation have now been consolidated and repealed. 👉 𝐖𝐡𝐚𝐭 𝐃𝐨𝐞𝐬 𝐓𝐡𝐢𝐬 𝐌𝐞𝐚𝐧? • 𝐅𝐨𝐫 𝐂𝐨𝐧𝐬𝐮𝐦𝐞𝐫𝐬: Greater flexibility – authentication may go beyond OTPs to biometrics, tokens, or device-native solutions. • 𝐅𝐨𝐫 𝐅𝐢𝐧𝐭𝐞𝐜𝐡𝐬 & 𝐁𝐚𝐧𝐤𝐬: A push to innovate, adopt risk-based authentication, and build interoperable, seamless solutions. • 𝐅𝐨𝐫 𝐌𝐞𝐫𝐜𝐡𝐚𝐧𝐭𝐬: Expect fewer drop-offs as new methods improve speed, while still ensuring compliance. • 𝐅𝐨𝐫 𝐆𝐥𝐨𝐛𝐚𝐥 𝐓𝐫𝐚𝐧𝐬𝐚𝐜𝐭𝐢𝐨𝐧𝐬: A stronger safety net for Indian-issued cards in international commerce. The next few months will be critical for issuers, PSPs, and merchants to align their systems with RBI’s vision. Those who adapt early will shape the next wave of secure digital commerce in India. 𝑅𝐵𝐼/2025-26/79 𝐶𝑂.𝐷𝑃𝑆𝑆.𝑃𝑂𝐿𝐶.𝑁𝑜. 𝑆 668/02-14-015/2025-2026

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WhatsLoan-072 Bharat Series Oct-2025 Digital Lending Platforms (DLPs) are the next leap for Grameena Banks, State/District Cooperative Banks (StCBs/DCCBs), and PACS under NABARD to make credit faster, transparent, and compliant with RBI’s digital lending guidelines. Two adoption models define their journey: CAPEX on-premises and OPEX cloud-based SaaS. 1️⃣ CAPEX / On-prem Model: Suitable for large StCBs or RRBs with their own data centers and IT teams. It gives total control, data sovereignty, and offline reliability. However, it demands high upfront costs, slower rollouts, and recurring AMC. Upgrades for regulatory changes—like new RBI DL norms or Account Aggregator (AA) integration—take longer. Typical rollout: 9–15 months. 2️⃣ Cloud OPEX / SaaS Model (Preferred): For most RRBs, DCCBs, and PACS, a pay-per-loan-file SaaS model delivers faster deployment (8–12 weeks), lower entry barriers, and built-in security. Platforms host data in India (MeitY-empanelled DCs) and stay current with RBI and NABARD rules. Pricing: ₹150–₹500 per loan file (Agri/KCC, MSME, Consumer), with volume slabs and optional bundles (e-KYC, AA pulls, eSign, bureau). No CAPEX, only operating expense. 3️⃣ Why Cloud Works Better: ✔ Elastic scaling for seasonal agri-lending. ✔ Automatic compliance updates (DLG, co-lending). ✔ API-ready connectors—AA, DigiLocker, ULI, FRUITS, GSTN. ✔ Real-time dashboards for NABARD and RBI reporting. ✔ Lower TCO and faster time-to-credit (<24 h for KCC renewals). 4️⃣ DLP Stack Elements: • Assisted/self-serve loan origination (branch, BC, CSC, WhatsApp). • eKYC (Aadhaar, CKYC, DigiLocker), eSign/eStamp. • AA & ULI data fetch for cash-flow and land records. • Digital credit engine + policy rules. • LOS/LMS/DMS + NACH/UPI/BBPS repayment hooks. • Co-lending-ready escrow and MIS compliance. 5️⃣ Cloud CBS Progress (2024-25): GoI and NABARD’s ₹2,516 Cr PACS computerisation targets ~67,000 PACS on common ERP/CBS linked to DCCBs. RRBs are now fully CBS-enabled, many live on UPI, BBPS, and Account Aggregator frameworks. State initiatives (e.g., UP, Karnataka) are upgrading cooperative networks to cloud CBS with cybersecurity and DR readiness. Priority Sector Lending Use Cases: ✅ KCC renewal via AA + ULI land data. ✅ Dairy/FPO working capital using IoT or ledger data. ✅ MSME GST-linked cash-flow loans. ✅ SHG/JLG eKYC + eSign micro-credit. Impact: Cloud DLPs convert borrowing from paperwork to tap-based access. Farmers, SHGs, and MSMEs get faster, cheaper credit; banks reduce service cost and delinquency. With NABARD support, cloud-based DLPs can become the “UPI of Lending” for India’s cooperative ecosystem—scalable, compliant, and inclusive. WhatsLoan NeoLending Platform

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Product Manager role through the Years - 10-Year Evolution of the Product Manager Role in India 🗓️ Then: 👈 1. PM role was niche, misunderstood as a blend of project & marketing manager 2. Mostly seen in large MNCs 3. Focused on internal tooling or B2B software 4. Skillsets limited to MBA grads or Tech knowhow with no formal PM training 5. Limited to urban India, primarily metros Now: 👉 1. Well-established role, with clear distinction and strategic influence 2. Perennial in Indian startups, unicorns, and even traditional enterprises 3. PMs now lead development in B2C apps, fintech, e-commerce, health tech, and gov-tech 4. Product Mgmt. is now taught in dedicated courses in top tier Business Schools 5. Product Management is now taught in dedicated courses in top tier Business Schools PM Processes – 📑 Then-Traditional Process 1. Sales-led growth (field sales, personal relationships) 2. Manual customer support via call centers 3. Physical paperwork and approvals 4. Cash-heavy, offline payments 5. Little to no customer analytics 6. Waterfall software development (slow cycles) 7. Separate product, marketing, and tech silos Now - Modern (Digitized) Process via PM Involvement 📲 🌐 1. Product-led growth (self-serve onboarding, scalable digital products) 2. Chatbots, app-based support, self-help knowledge bases 3. Digital workflows, e-signatures, e-Nach & automation tools 4. UPI, wallets, embedded finance via apps (PMs design frictionless flows) 5. User behavior tracking using tools like Google Analytics, Clevertap & many more 6. Agile methodology with sprint planning, roadmaps and fast iterations 7. Cross-functional teams led by PMs ensuring alignment and quick TAT Role of PMs in Digitizing Indian Businesses: a. Consumer Tech & Startups: 👨‍💻 • Ecommerce: PMs led innovations like one-click checkouts, personalized feeds, and voice search for vernacular users • Food Delivery: PMs introduced in-app loyalty, delivery time prediction, and dark kitchens • Digital payments: Built UPI integrations, KYC flows, and rural onboarding journeys b. Traditional Companies Going Digital: 📲 • Banks: PMs helped transition services to mobile apps making NEFT/IMPS/loans app-based • Retail chains: Build their online presence & logistics networks—PMs map out online user journeys, back-end workflows • Manufacturing/FMCG: PMs helped digitize supply chains and introduced B2B ordering platforms c. Govt. & Public Services: 🏢 🧑‍⚖️ • Aadhaar, CoWIN, UPI, DigiLocker: Product thinkers worked with Government entities 🏦 to create Scalable, Citizen first digital platforms     Conclusion: 👍 Over the past decade, the Product Manager role in India has matured from a niche function to a must have role in most organizations. Today’s PMs drive innovation, streamline processes & create user-centric digital solutions across industries, playing a pivotal role in India’s digital transformation.   #ProductManger #Digital #DigitalIndia #Innovation #technology #management

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THE DIGITAL LENDING DEBATE: Friend or Foe? 🤔 Picture this: It's 11 PM. Rajesh gets a WhatsApp message about an urgent family medical expense. Within 15 minutes, he has ₹50,000 in his account through a digital lending app. Convenient? Absolutely. But is this always helping him in the long run? 📱 THE DIGITAL LENDING REVOLUTION Today's financial landscape offers instant personal loans, buy-now-pay-later options, credit line apps, and one-click credit card advances. The convenience is undeniable, but let's examine both sides of this coin. ⚠️ THE CONCERNS ARE REAL: → Higher interest rates compared to traditional banking → Easy access can lead to impulsive borrowing decisions → Multiple app-based loans creating debt cycles → Credit card-led borrowing spiraling into unmanageable EMIs → Poor repayment habits damaging credit scores → Making future genuine borrowing needs difficult to fulfill Who benefits most? Often the lenders, who also cross-sell insurance, investment products, and premium services. ✅ BUT HERE'S THE FLIP SIDE - THE MASSIVE ADVANTAGES: 1️⃣ LIGHTNING-FAST TAT: Emergency funds in minutes, not weeks 2️⃣ CREDIT FOOTPRINT BUILDING: Helps create credit history for first-time borrowers 3️⃣ DREAM ENABLEMENT: Funding for homes, cars, education, weddings, and business ventures 4️⃣ FINANCIAL SECURITY: No more waiting or depending on others during crises 5️⃣ ECONOMIC GROWTH: Increased consumption drives overall economic expansion 🎯 THE BOTTOM LINE: While regulators are making digital lending more transparent and borrower-friendly, the ultimate responsibility lies with us. Digital lending isn't inherently good or bad - it's a powerful tool that can either build your financial future or derail it. The key? RESPONSIBLE BORROWING. Borrow for needs, not wants. Understand terms before clicking 'Accept'. Plan repayments before spending. What's your take? Has digital lending been a game-changer or a concern in your financial journey? #DigitalLending #FinTech#Banking #InstantLoans #BNPL #FinancialWellness #CreditManagement #DebtManagement #FinancialPlanning #IndianFintech

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You know what’s changing quietly across lending teams? Collections is no longer something organisations “figure out later.” It’s increasingly being designed upfront — 𝐚𝐬 𝐚 𝐜𝐨𝐫𝐞 𝐨𝐩𝐞𝐫𝐚𝐭𝐢𝐨𝐧𝐚𝐥 𝐜𝐚𝐩𝐚𝐛𝐢𝐥𝐢𝐭𝐲. This clearly reflects in our recent partnership with 𝐅𝐢𝐧𝐚𝐠𝐥𝐞 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐒𝐞𝐫𝐯𝐢𝐜𝐞𝐬, a Delhi-based NBFC, to power their collections operations using our 𝐀𝐠𝐞𝐧𝐭𝐢𝐜 𝐀𝐈-𝐥𝐞𝐝 𝐰𝐨𝐫𝐤𝐟𝐥𝐨𝐰𝐬. What's more? The entire integration and go-live was completed in 𝟐𝟎 𝐝𝐚𝐲𝐬 — a strong signal of how quickly modern collections systems can be operationalised today. Partnerships like these reflect a broader shift in mindset - Collections is moving beyond being seen as a 𝐝𝐨𝐰𝐧𝐬𝐭𝐫𝐞𝐚𝐦 𝐜𝐨𝐬𝐭 𝐟𝐮𝐧𝐜𝐭𝐢𝐨𝐧, and is increasingly recognised as a 𝐬𝐭𝐫𝐚𝐭𝐞𝐠𝐢𝐜 𝐥𝐞𝐯𝐞𝐫. 📌 Coverage Links in the comments. Yubi Gaurav Kumar Devarsh M. Moshe Samuel Vivek Srikantan Ayesha Chowdhury Shankar Krishnamurthy Deep Kakkad Aaditya Gandhi Rahul Kanojia Mitesh Nijhara Salomi D’souza

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RBI’s Digital Lending Directions 2025: A Step Towards Ethical, Transparent and Scalable Fintech:- The landscape of digital lending is evolving fast. With the RBI's latest Digital Lending Directions 2025, the ecosystem is being reshaped to bring sharper clarity, stronger borrower protections, and uncompromising transparency in fund flow, data privacy, and platform accountability. Over the last few days, I have studied the shift from the 2022 guidelines and compiled a practitioner-friendly compliance framework that breaks down the following: 1. What is new 2. What is mandatory 3. What is operationally complex 4. How institutions can stay audit ready without breaking agility From KFS restructuring to granular consent handling, from LSP governance to DLA accountability, this is not just about regulatory checklists. It is about rebuilding digital lending with trust, clarity, and long term sustainability at the core. I have shared the complete breakdown and a downloadable comparison table in this post. Would be keen to learn how others in the ecosystem are approaching their compliance and tech alignment for this directive. #RBI #DigitalLending #Fintech #Compliance #RiskManagement #NBFC #RegTech #DataGovernance #LendingInnovation

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💳 𝗧𝗵𝗲 𝗽𝗿𝗼𝗯𝗹𝗲𝗺 𝘄𝗶𝘁𝗵 𝗖𝗮𝗿𝗱-𝗼𝗻-𝗙𝗶𝗹𝗲 𝘁𝗼𝗸𝗲𝗻𝗶𝘇𝗮𝘁𝗶𝗼𝗻? 𝗬𝗼𝘂 𝗵𝗮𝘃𝗲 𝘁𝗼 𝘀𝗮𝘃𝗲 𝘆𝗼𝘂𝗿 𝗰𝗮𝗿𝗱 𝗲𝘃𝗲𝗿𝘆𝘄𝗵𝗲𝗿𝗲. Every app, every checkout - same loop: enter card → OTP → consent → save → repeat. While COF Tokenisation made card payments safer( thank you , RBI), it did not solve for cross platform utilisation for the customers. Each merchant needs their own token for the same card - which means customer friction stays. 𝗘𝗻𝘁𝗲𝗿: 𝗜𝗻-𝗔𝗽𝗽 𝗧𝗼𝗸𝗲𝗻𝗶𝘇𝗮𝘁𝗶𝗼𝗻 𝗮𝗸𝗮 𝗢𝗻-𝗗𝗲𝘃𝗶𝗰𝗲 𝗧𝗼𝗸𝗲𝗻𝗶𝘇𝗮𝘁𝗶𝗼𝗻 What if your card was securely tokenized once, tied to your device, and worked across multiple apps? That’s exactly what super apps like PhonePe and CRED are enabling today in partnership with Card Networks. These superapps let you tokenize once inside their app, and allow you to use it across services offered by them as well as third party online merchants without re-entering card details. If this sounds familiar — it’s because it mirrors how UPI Intent works: 👉 A third-party app kicks off the transaction 👉 You get redirected to a trusted app (like PhonePe ) 👉 Payment is completed using a pre-approved token tied to your device Next up: Breakdown of how In-App tokenisation works #Tokenization #DigitalPayments #PhonePe #CRED #UPIIntent #CardOnFile #InAppTokenization #FintechIndia #SecurePayments

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📘 Agile made simple..!! Went through a crisp Agile Terminology Handbook covering key concepts across Scrum, Kanban, Lean, SAFe, and Product Management from User Stories, MVPs, Backlogs, Sprints, and DoD to Velocity and Retrospectives. A handy reference for anyone working in Agile product delivery, digital transformation, or cross-functional teams to stay aligned on fundamentals and terminology. #Agile #Scrum #ProductManagement #DigitalTransformation #AgileMindset #ContinuousImprovement

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📱 Top Mobile Banking Apps in India (2025): Who’s Leading the Digital Banking Race? From opening accounts to investing in mutual funds, mobile banking apps have become our digital wallets, banks, and wealth advisors — all in one. But with so many apps out there, how do you know which one actually delivers the best experience? I analyzed the top mobile banking apps in India and compared their features across: ✅ Account Access ✅ UPI Integration ✅ Mutual Fund Investments ✅ Loan Services ✅ Card Management ✅ Spend Insights ⸻ 🏆 The Top Contenders: • HDFC MobileBanking • ICICI iMobile Pay • SBI YONO • Axis Mobile • Kotak 811 • IDFC FIRST App • IndusMobile Each app has its own strength — some are investor-friendly, others excel at UI or rewards. A few are even voice-enabled! ⸻ 🔐 Pro Tip: Choose an app that fits your lifestyle — whether you’re a salaried employee, first-time investor, or credit card optimizer. 💬 Which banking app do you use the most—and why? Let’s help each other pick smarter tools. Drop your go-to app in the comments 👇

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UCBs’ Umbrella Body #NUCFDC launches Digital Solutions to strengthen 'Payments and Lending Infrastructure for UCBs In a landmark move for India’s cooperative banking ecosystem, the National Urban Cooperative Finance & Development Corporation (NUCFDC) — the umbrella organisation for Urban Co-operative Banks (UCBs) — has unveiled two flagship digital platforms: Sahakar Digipay and Sahakar Digiloan. These initiatives aim to strengthen the payments infrastructure and automate lending operations across the country’s vast UCB network, marking a decisive step toward digital transformation in the cooperative sector. India’s 1,400+ Urban Cooperative Banks, serving over 9 crore customers through nearly 11,500 branches, have long been vital to the country’s financial inclusion agenda. However, many UCBs continue to face structural and technological challenges — including high transaction costs, legacy IT systems, and limited automation — that constrain their ability to compete with modern private and small finance banks. To address these pain points, NUCFDC’s digital suite offers affordable, scalable, and compliant tools to help UCBs strengthen governance, efficiency, and service delivery, while maintaining their core cooperative values of trust and transparency. 1. Sahakar Digipay: A Unified Payments Infrastructure for UCBs : Sahakar Digipay is a centralised UPI switch designed to lower transaction costs and provide UCBs with secure, interoperable, and cost-effective access to India’s fast-evolving digital payments ecosystem. Key features include: --Advanced fraud detection and risk mitigation tools --Regulatory-grade compliance architecture aligned with RBI and NPCI frameworks --Scalable cloud-based infrastructure supporting high transaction volumes Integrated settlement and reconciliation tools to streamline back-office operations. This platform is expected to bring UCBs closer to the mainstream payments ecosystem, enabling them to offer UPI, QR-based, and other digital payment solutions directly to their customers — particularly in semi-urban and rural regions where UCBs have deep roots. 2. Sahakar Digiloan: Automating and Accelerating Credit Delivery : Complementing the payments platform, Sahakar Digiloan is a Loan Origination System (LOS) designed to digitise the entire credit lifecycle. It enables UCBs to accelerate loan approvals, reduce paperwork, and strengthen underwriting quality through automation and data analytics. Its core features include: --Digital KYC and e-sign integration for seamless onboarding --Automated credit assessment and scoring powered by real-time analytics --AI-driven risk identification and monitoring --End-to-end paperless workflows, improving speed and transparency By enabling data-driven decision-making, Sahakar Digiloan is set to enhance both retail and MSME lending efficiency, reduce turnaround time, and support transparent credit delivery in the cooperative ecosystem. Ram Rastogi 🇮🇳

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