Author name: Ananta Kar

India’s digital payments infrastructure has just solved three problems simultaneously: connectivity gaps, security vulnerabilities, and international transaction barriers that limited UPI’s global ambitions. The National Payments Corporation of India’s UPI 3.0 introduces offline payment capabilities, enabling transactions without internet connectivity—a critical feature for rural and low-connectivity areas. Transaction volumes already surpass 20 billion monthly across […]

India’s smaller cities bypassed traditional banking infrastructure entirely, jumping straight to digital-first financial services that metros took decades to build gradually. Tier-2 and Tier-3 towns—once dismissed as underbanked, cash-heavy economies—now drive fintech growth through 85% smartphone penetration and vernacular interfaces, making banking accessible. Over the past six years, India has witnessed a staggering 65,000 crore

Remember when shopping meant visiting physical stores, paying cash, and accepting whatever products manufacturers decided to offer? That India is gone. Today’s Indian consumer wields a smartphone like a weapon, compares prices across platforms in seconds, demands two-hour delivery, expects eco-friendly packaging, and won’t tolerate brands that fail sustainability standards. This dramatic transformation—driven by digitalisation,