Combating fraud in the era of digital payments
Explore how digital payments, technologies and the payments ecosystem have evolved in India.
Digital Payments Insights newsletters
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Web 3.0 and payments
Web 3.0 is the third generation of internet services, which aims at utilising machine learning and distributed ledger technology (DLT) to create more intelligent, connected and open websites.
Union Budget 2022 23: Impact on digital payments with a focus on the digital rupee
The success of the payments ecosystem in any country is dependent on its regulatory framework and the initiatives of its government.
Loyalty programmes in India do they really work
A loyalty programme is a marketing tool used by businesses to retain their existing customers and encourage them to continue using the offerings of the business.
Corporate payments trends in India
In this section, we have discussed the key trends in the area of corporate payments along with the benefits, key considerations and use cases.
Expansion of payment services on cloud
The payment industry is seeing a remarkable pace of innovation. Financial institutions (FIs) are adapting to the changing requirements and evolving challenges by adopting multiple technologies, one of which is migration to cloud.
Payments as a service (PaaS) – an approach to outsourcing the payments technology and support functions
Read about offerings under PaaS and how it has been adopted globally and the considerations for its adoption.
Central Bank Digital Currency in the Indian context
Read about the key principles and considerations, benefits and potential risks of CBDC.
The changing landscape of India’s credit industry
Explore India’s credit industry, recent developments and the way forward.
e-RUPI: Revolutionising prepaid payments
PwC’s point of view on e-RUPI, a prepaid e-voucher solution
The evolving landscape of cross-border payments
An overview of the current cross-border payments landscape in India.
The RBI’s monetary policy on digital payments
The RBI made a few key announcements in its Statement on Developmental and Regulatory Policies in April 2021. These measures would impact the operations of payments banks, prepaid instruments & membership to the Centralised Payment Systems.
Payments 2025 & beyond
Navigating the payments matrix
Impact of RBI guidelines on card-on-file transactions
A card on file, or stored credentials, is the card information stored by a merchant, payment gateway, payment aggregator or digital wallet to process future transactions.
Union Budget 2021: Implications on digital payments
Explore our insights into budget allocation on digital payments of INR 1,500 Crore and its distribution among industry players
What lies ahead in digital payments trends for 2021
The digital payments ecosystem in India has witnessed various developments in the past, ranging from launching innovative payments solutions and developing dedicated platforms for processing to forming regulations for higher adoption.
Emerging solutions and use cases in offline digital payments
Read about offline digital payments challenges and solutions: PwC India
The changing face of transit: Emergence of a multimodal integrated ticketing system
The evolving expectations of customers have changed the way transit ticketing operates. Globally, paper-based tickets have been replaced by tokens, smart cards and mobile apps. India too envisages the development of a cashless fare payment mechanism which will work across all the public transport systems and day-to-day...
Adoption of faster payments: SME and corporate perspectives
Faster payments are no longer restricted to retail peer-to-peer (P2P) payments. They have been significantly adopted in the peer-to-business (P2B) and business-to-business (B2B) space.
Payments regulations: Understanding the global state of play
Regulatory institutions and central banks follow certain guiding principles to draft policies and guidelines to regulate and govern key stakeholders within the digital payments ecosystem.
Redefining the Indian payments space: Partnerships between big techs and conglomerates
The payments industry in India is attracting the attention of many big techs who are looking to develop innovative payments products and enter the market.
Impact of the COVID-19 outbreak on digital payments
The ongoing spread of COVID-19 has become one of the biggest threats to the global economy and financial markets.
Implementation of faster payments: Key considerations and the way forward
In the dynamic payments industry, faster payments have become the norm and are no longer just an option for market participants and regulators alike.
Understanding the new digital payments guidelines
India’s digital economy has witnessed a significant change in the past few years. Various initiatives taken by the Government of India (GoI) to digitalise the economy have contributed towards its transformation.
UPI preferred over digital wallets - PwC India
Over the past few years, digital payments have witnessed tremendous growth in India. This growth has been largely driven by digital wallets and Unified Payments Interface (UPI).
Global payments industry regulations – PwC India
In the past decade, the innovations in the payments industry have altered its landscape faster than ever. The industry is undergoing significant changes driven by regulatory initiatives or by business requirements, leading to new technological innovations as well as collaboration between banking and with non-banking...
Decoding payments message standards
The International Organisation for Standardisation (ISO), an international body which sets global and commercial standards worldwide, has defined various standards for facilitating the flow of messages related to payments/financial transactions.
Simplifying employee expenses and payments processes through digitisation
Employee expenses and reimbursements form a crucial part of business expenditure. Over the last few years, corporate setups in India have changed the way their employee payments are handled.
Trends in national payments rails
Given the rapid pace of change in payments technology and evolving needs of citizens, countries and central banks around the world are undertaking steady transformation of national payments rails to make them future ready.
RBI Vision 2019-2021: The way forward
The Indian payments industry has witnessed remarkable growth, innovation and regulatory support over the last few years.
Transit Payments Newsletter
Rapid growth in India’s urban population has put enormous pressure on all transport systems.
Digitising payments in the government sector
The Government of India is divided into the executive, the legislature and the judiciary, which are empowered by the Constitution of India to formulate and maintain law and order in the country. The Central Government comprises Cabinet Ministers headed by the Prime Minister, while state governments comprise a Council...
Invisible Payments
Over the last few years, the digital payments ecosystem has witnessed the introduction of multiple innovative digital payment forms and instruments. Some of the overarching objectives of these have been to boost customers’ convenience and reduce the time spent in completing transactions, among others.
Digital payment opportunities in emerging markets
The burgeoning digital payments industry has scaled up rapidly over the last few years across South Asia. The rise of affordable smartphones and subsequent Internet and mobile penetration have led to significant growth in the digital payments space.
Tokenization: The future of Secured Payments
The payments industry is progressing to support new payment form factors that require intensified protection against counterfeit, account misuse, and other forms of frauds. Thus security is needed for card-not-present, card present and hybrid transaction environments to help minimize unauthorized use of cardholder...
Transaction Limit Management for prepaid payments instruments
This newsletter talks about limit management on prepaid payment instruments, RBI's circular regarding the same, the challenges involved, players impacted as well as the way forward
Towards a more secure payments ecosystem
This newsletter focuses on how secure payments systems are becoming the order of the day, the risks these systems are exposed to, methods to tackle these risks, new technologies in the domain and comprehensive risk management framework
On-soil storage of Payments Data
This newsletter talks about RBI's circular on on-soil data storage for payments data, the key stakeholders affected, the challenges the circular could pose as well as the way forward in this scenario.
Digitisation of toll payments
With emphasis on implementing an effective and efficient toll collection system, electronic toll collection (ETC) emerged as the key solution to enable a fast, efficient and cashless payment option for collection of toll fare.
Demystifying the merchant acquiring business
This newsletter provides an insight into the merchant acquiring business, its significance and evolution, the regulatory environment surrounding it and its future. It also discusses the key challenges faced by the business and potential disruptors in this space.
WhatsApp Payments
This newsletter focuses on the introduction of Whatsapp payments and its differentiating factors. It also talks about the potential use cases that could be explored along with the challenges that this payment mode could face in the future.
Payments Hub: Redefining Payments Infrastructure
This newsletter highlights the need for uniformity across various payment channels and modes. It also helps understand what a payment hub does, its benefits, architecture and business applications as well as case studies relating to the same in the global and Indian scenario.
Creating smarter cities through digital payments
This newsletter gives an insight into the role of digital payments in making smart cities smarter, the challenges faced in this regard, payments related use cases as well as valuable recommendations on how digital payments solutions can be deployed on ground.
Powering digital payments through Aadhaar
This edition presents an overview of Aadhaar based payment services, how they work, their benefits and how their acceptance can be increased.
Bharat QR - Towards universalisation of digital payments
This newsletter explores the relatively new BharatQR, its advantages, factors critical to its successful implementation and its integration with existing payment modes.
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