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npci
24 ARTICLES
Is a company’s profit fact or narrative?
Profit or loss is a definitive number because it can be traced back to a company’s books of accounts, audited by a certified auditor. Any number that doesn’t have this stamp of sanctity is a baseless claim.
11 Oct 2025
UPI data reveals uncomfortable trends
The latest digital spend numbers released by NPCI reveal stress in both consumption and household finances. Will the incongruence with the government’s narrative make this exercise a one-off?
12 Aug 2025
Can WhatsApp fix its payments business in India?
The messaging giant is a minnow when it comes to payments. Relief from NPCI could be just the fillip it needs to finally take on leaders PhonePe and Google Pay.
13 Jan 2025
Why VCs are hitting reset on Indian fintech
After nearly a decade of unparalleled growth, the country’s fintech businesses are finding it hard to justify their hefty valuations and build profitable businesses.
21 Jan 2024
Five takeaways from Global Fintech Fest 2023
Beyond the grandeur of the industry’s three-day shindig lie several challenges for India’s fintech ecosystem.
12 Sept 2023
Why has RBI ramped up scrutiny of third-party tech partnerships?
Ambiguous technology tie-ups between regulated entities and third-party platforms pose complex regulatory challenges.
04 Jul 2023
FamPay eyes UPI for survival
Unable to make or raise money, the pocket money app is transitioning into a UPI-based payments platform that will no longer be exclusive to teens and their parents.
24 Apr 2023
RBI wants to add Visa, Mastercard credit cards to UPI soon
The inclusion of the two largest card networks is expected to benefit all stakeholders, but NPCI, which runs the digital payments system, may have other ideas.
10 Jan 2023
The bank-fintech battle rages on
The reluctance of both industries to bear the cost of the UPI infrastructure and the excessive power that banks wield in the regulatory ecosystem are deepening the divide
20 Dec 2022
RBI can’t wish away fintechs from UPI just yet
The central bank is worried about banks not doing enough to boost their market share vis-a-vis fintechs, but there is little incentive for private sector lenders to up their UPI game.
13 Dec 2022