Tag: NPCI


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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Merchant credit card chargebacks – Is EMV the holy grail?

Merchant credit card chargebacks – Is EMV the holy grail?

When a cardholder detects a fraudulent transaction in their statement, he or she files a complaint with the issuing bank. Issuing bank then investigates the transaction and if it is found fraudulent,  the bank will refund the original value to the cardholder. If the...

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What is the future of EMV in India?

What is the future of EMV in India?

All the developed economies started moving towards a cashless economy at the beginning of the 21st century. With India becoming an economic powerhouse in the world, has set the vision a step ahead towards becoming a card-less economy by 2020, as confirmed by NITI...

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