Financial inclusion


Is cash still the king in India?

Is cash still the king in India?

Demonetization is the first nail in the coffin for cash in India. UPI 1.0 is the second nail in the coffin for cash in India, making transactions much more accessible with everyone’s mobile becoming their wallet. Besides, merchants grabbed UPI with both hands as...

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Digital transactions on a free-fall in April 2020

Digital transactions on a free-fall in April 2020

Digital payment poster boys like Unified Payments Interface (UPI), Immediate Payment Service (IMPS), National Electronic Toll Collections (NETC), and Bharat Bill Payment System (BBPS) reported record plunge in volumes and values in April 2020. Aadhar enabled Payment System (AePS) is the only channel that...

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Fintech ecosystem – is it going through stressful times?

Fintech ecosystem – is it going through stressful times?

The biggest casualty of COVID-19 Pandemic is the discretionary spending. Either people do not have the liquidity to spend, or they are conserving cash for the rainy days. COVID is terrible news for the fintech ecosystem. The sector already had functional troubles like narrow...

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Functional testing of Web Service APIs made easy

Functional testing of Web Service APIs made easy

APIs are driving the financial services industry today. The financial services industry embraced online banking; however, the pace of digital innovation has been sluggish till now. APIs are helping the financial space drive up the pace of innovation. Some of the critical functions that...

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The good, the bad, and the ugly of UPI transactions

The good, the bad, and the ugly of UPI transactions

We live in the age of ‘Insta-Everything,’ and the payments industry has responded well with real-time payments using platforms like the Unified Payment Interface (UPI). UPI has simplified and democratized payments to such an extent that there is no friction in anyone entering the...

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Is API Testing keeping pace with the growth of real-time payments?

Is API Testing keeping pace with the growth of real-time payments?

The payment industry is currently going through tectonic shifts, and innovation is happening rapidly, with most countries boasting of real-time payment systems. It helps reduce cash flow pains by allowing merchants to receive their revenues quickly. How do merchants, businesses, and consumers leverage real-time...

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