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Banking has always been built on trust. For decades, Know Your Customer (KYC) norms have been the gatekeepers of that trust, ensuring that financial institutions know exactly who they are dealing with. But in today’s hyper-digital world, paper-based KYC and even in-person verification are no longer enough. Fraudsters are faster, identity theft is smarter, and …

Video KYC + AI = Fraud-Free Onboarding? Why Regulators Are Betting Big on e-KYC in 2025 Read More »

For decades, access to credit in India depended on geography, paperwork, and the availability of a loan officer. A borrower’s chance of approval often rested on whether they could reach a branch, produce physical documents, or persuade a human evaluator. In 2025, the barriers have shifted. Geography matters less. Paper matters even less. What matters …

Identity at the Speed of Trust: Why Video KYC Is Becoming the Real Engine of India’s Digital Credit Expansion Read More »

When Aadhaar Enabled Payment System (AEPS) was first introduced, it was heralded as a breakthrough for cash withdrawals and direct benefit transfers. It allowed people in the remotest corners of India to access their funds without needing a card or remembering a PIN. Yet as the years have passed, AEPS has quietly evolved into something …

The Forgotten Hero of AEPS: How Aadhaar-Enabled Micro-ATMs Are Driving Rural Lending and Deposits Read More »

India’s digital payments ecosystem has always evolved in waves. The first wave built access. The second built scale. The third — the one unfolding now — is building intelligence and interoperability at a depth that banks can no longer ignore. NPCI’s policy direction for the next decade is clear:A payment system that is secure, real-time, …

Inside India’s New Payment Stack: Why Banks Must Rethink Their Infrastructure for NPCI’s Next Decade Read More »

If 2016 was the year that UPI made its quiet debut, 2025 is shaping up to be the year it redefines the future of Indian banking. In less than a decade, the Unified Payments Interface has transformed from a promising payment channel into the backbone of India’s retail economy. Today, it accounts for more than …

Mandates, UPI Lite, and ICCW: Why 2025 Will Be the Defining Year for UPI-Driven Banks Read More »

In the past decade, Indian banking has undergone a transformation that few could have predicted. What began with the National Financial Switch (NFS) enabling interbank ATM transactions has evolved into a sophisticated ecosystem of real-time payments, QR-based commerce, interoperable mandates, and cross-border UPI. For many mid-sized banks, this evolution has created both opportunities and challenges. …

From NPCI’s NFS to UPI Global: How Mid-Sized Banks Can Future-Proof Their Payment Switches Read More »