Category: Newsletter

Banking as a Service (BaaS) – Entering into a New Era of Financial Ecosystem

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Table of contents:

• What is BaaS?
• How Does BaaS Work?
• How BaaS Differs from Traditional Banking
• The Future of BaaS
• Conclusion: Powering the Future with CARD91

In recent years, various sectors such as travel, retail, and SaaS have been steadily expanding into the financial services space. This convergence has sparked a transformation [...]

Account Aggregators – Digitizing Transactions

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Table of contents:

• What is Credit Line on UPI?
• How is Account Aggregator Different from Traditional Models?
• How to Get Started with an Account Aggregator
• Is AA a Secure System?
• Are There Any Charges for Using AA Services?
• Key Benefits of Account Aggregators
• The Road Ahead: Why AAs Matter
• How CARD91 Supports [...]

THE ALCHEMY OF PAYMENTS BY-PRODUCTS- DATA MONETISATION

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Table of contents:

• Real-World Examples of Data Monetization
• Why Payment Data is the Next Frontier
• How to Monetize Payment Data Transactions: A Goldmine of Behavioral Insights
• What Does a Successful Data Monetization Model Look Like?
• CARD91: Empowering Payment Providers with Smart Data Infrastructure

Data monetization refers to the process of converting data [...]

Embedded Finance: Changing the landscape of Financial Industry

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Table of contents:

• The Rise of Embedded Finance
• What is Embedded Finance?
• Why Embedded Finance Matters for Businesses
• Key Use Cases of Embedded Finance
• Who Powers the Embedded Finance Ecosystem?
• The Role of UPI and BaaS in India’s Embedded Finance Growth
• Conclusion Final Thoughts

In today’s tech-driven world, customers expect timely, effortless, and [...]

Digital Currency: The future of the Global Payment System

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Table of contents:

• What is Digital Currency?
• Historical Parallels: Lessons from Financial Digitisation
• The Rise of Cryptocurrency and the CBDC Exploration
• Digital Currency vs. Virtual Currency vs. Cryptocurrency
• Understanding CBDC: Central Bank Digital Currency
• Key Benefits of Digital Currency
• Challenges and Limitations of Digital Currency
• India’s Opportunity in the Digital Currency Race [...]

What’s the Next Step in the Payment Industry for addressing Security Concerns?

The card industry has seen steady growth in the last two decades from EMV chip card (use a smart microchip to store data instead of mag stripe) payments to contactless payments, but security remains a big challenge for the industry. These concerns have led to innovations towards more reliable and secure technologies such as biometric cards [...]

Aadhaar Pay – Digitisation of Payments in India

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Table of contents:

• What is Aadhaar Pay?
• How Does Aadhaar Pay Work?
• Why Aadhaar Pay Matters
• Addressing Challenges
• The Road Ahead
• How CARD91 Supports Aadhaar Pay Enablement

In today’s rapidly digitising economy, the Government of India (GoI) has taken significant strides to promote a cashless and inclusive financial ecosystem. One such initiative [...]

Neobanks – A ‘Neo’ Face to Banking

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Table of contents:

• A Brief Evolution of Banking
• The Emergence of Neobanks: A Digital Disruption
• Key Features of Neobanks
• What Makes Them ‘Neo’?
• Global Recognition and India’s Growing Interest
• Final Thoughts: Time for a Banking Revolution
• How CARD91 Enables the Neobank Revolution

A Brief Evolution of Banking From ancient grain loans in [...]