UPI is expanding at a remarkable pace, processing around 14 billion transactions each month. However, the introduction of Credit Line on UPI holds the potential to supercharge this growth, unlocking a staggering $1 trillion payment value opportunity by 2030. As part of our ongoing series on Credit Line on UPI, we sat down with Sivaram Kowta, President of Banking at Zeta India, to delve deeper into this game-changing innovation and its impact on the future of digital payments. In this episode, we explore:

💸 Credit Line on UPI: What it is and how it could unlock a $1 trillion opportunity by 2030.

💰Why banks, with their vast customer base and lower cost of funds, have the edge over fintechs in offering credit lines on UPI.

⚙️ Insights into the tech hurdles banks face in adopting credit lines on UPI

🗺️ How Zeta is leading the charge in solving these challenges with their innovative solutions

Make sure to listen to the full episode for a deeper dive into these topics!

Contact Sivaram Kowta

• LinkedIn: https://www.linkedin.com/in/sivaramkowta/

Download Chak De India - Democratizing Credit With Credit Line On UPI: https://www.zeta.tech/in/white-paper-on-credit-line-on-upi-opportunity-for-banks

Contact Deepak Kumar

• LinkedIn: https://www.linkedin.com/in/linkdk/

Contact Zeta

• LinkedIn: https://www.linkedin.com/company/zetasuite/
• X: https://x.com/zetasuite
• Website: https://www.zeta.tech/in/
• Email: sales [at] zeta [dot] tech

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It has been about a year since the Credit Line on UPI was announced. We caught up with Gaurav Mittal, CEO and co-founder of Vegapay, to understand what has happened in this space in the year gone by and what are some of the technology considerations for launching such a successful product. In the episode we discussed:

💸 Credit Lines and the role of third party apps

⚙️ Tech stack and regulations

💰 Opportunities for banks

🗺️ Vegapay’s role in the ecosystem

Listen to this first episode in our series on Credit Line on UPI

Contact Gaurav

LinkedIn: https://www.linkedin.com/in/gaurav-mittal-8084349/

Contact Vegapay

LinkedIn: https://www.linkedin.com/company/vegapay/

Website: https://vegapay.tech/

In this special episode of India Fintech Diaries, we celebrate National Fintech Day with a deep dive into the role of fintechs in supporting MSMEs, the backbone of India's economy. Our guests, Kumar Shekhar, Deputy Country Manager of Tide India, and Sundeep Mohindru, CEO,Promoter and Director of M1xchange, share their insights on the challenges and opportunities faced by MSMEs in accessing banking and lending services. We explore the innovative solutions fintechs are providing to close the financing gap, the evolving role of government policy, and how these digital platforms are reshaping the future of MSME financing in India. In this episode we discuss:

🏭 MSMEs and their Impact on the Economy

⚙️ Challenges in MSME Banking and solutions

💰 The Role of Fintechs in MSME Financing

📬 Types of MSME Lending Products

🗺️ The Future of MSME Financing

Listen to this episode for insights on how fintech is making an impact in finance

Contact Kumar Shekhar

• LinkedIn: https://www.linkedin.com/in/kumar-shekhar-8b064845/
• Email: kumar [dot] shekhar [at] tide [dot] co

Contact Sundeep Monhindru

• LinkedIn: https://www.linkedin.com/in/sundeep-mohindru-838a29/
• Email: sundeep [dot] mohindru [at] m1xchange [dot] com