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(#19) Credit line on UPI needs more policy changes to replace credit cards
With the introduction of 1.2% MDR on credit line on UPI, NPCI is hoping that the product would take off. While interest ladden credit line certainly…
Jul 27, 2024
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Ramji Binnani
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(#19) Credit line on UPI needs more policy changes to replace credit cards
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(#18) With NIPL, India looks to fast-track remittance growth
Through UPI's international expansion, NPCI is killing two birds with one stone- the growth of Rupay as well as inward remittance
Jul 6, 2024
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(#18) With NIPL, India looks to fast-track remittance growth
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June 2024
(#17) The more the merrier? Not for payment aggregators
With the RBI opening the taps for aggregator licences, the business has once again been upended. The only stakeholder thrilled is the merchant.
Jun 22, 2024
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Ramji Binnani
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(#17) The more the merrier? Not for payment aggregators
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(#16) International UPI: Potential Visa/ Mastercard killer
Explainer of how NPCI is moving forward strategically to end the duopoly of Visa and Mastercard in India through the trio of UPI, International UPI and…
Jun 2, 2024
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Ramji Binnani
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(#16) International UPI: Potential Visa/ Mastercard killer
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May 2024
(#15) Why SBM matters to Fintechs?
RBI has now removed the embargo it applied on SBM bank which means that they would now be able to process international transactions again. Is it time…
May 26, 2024
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Ramji Binnani
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(#15) Why SBM matters to Fintechs?
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April 2024
(#14) Banks sent you to Lounges, now they want you out
Explainer on why banks are devaluing credit card rewards
Apr 28, 2024
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Ramji Binnani
3
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(#14) Banks sent you to Lounges, now they want you out
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The triple whammy for SBI cards (#13)
Reasons for why SBI Cards is losing market share and the stock is under perfoming the expectations
Apr 21, 2024
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Ramji Binnani
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The triple whammy for SBI cards (#13)
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MFI: The segment of Financial services that dislikes digitisation (#12)
I do my own research before investing in any new company.
Apr 14, 2024
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Ramji Binnani
2
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MFI: The segment of Financial services that dislikes digitisation (#12)
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Debit cards are dying and banks are fine with it
My mother was always a risk averse person and hence cash was the only way to transact for most part of my life.
Apr 7, 2024
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Ramji Binnani
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Debit cards are dying and banks are fine with it
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The potential Nu bank of India
Off late, there have been startups which started with the vision to be India’s Nu bank.
Apr 2, 2024
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Ramji Binnani
5
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The potential Nu bank of India
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March 2024
UPI's solutions are UPI's problems
In 2016, RBI introduced UPI.
Mar 27, 2024
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Ramji Binnani
3
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UPI's solutions are UPI's problems
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What next for Cred: Lifestyle or Lending?
Lets start this one with a story.
Mar 23, 2024
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Ramji Binnani
3
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What next for Cred: Lifestyle or Lending?
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