# Tag: fintech

## [Unveiling the Potential of Credit Cards on UPI: Redefining Convenience and Reach](/content/blog/unveiling-the-potential-of-credit-cards-on-upi-redefining-convenience-and-reach/index.html)

Introduction  
How Credit Cards and UPI Work Together  
The Impact: Making Payments Accessible to All  
How Credit Cards on UPI are Changing the Game  
Focus on User Experience  
Conclusion

## [Secured Credit Cards – A Credit Score Builder Product](/content/blog/secured-credit-cards-a-credit-score-builder-product/index.html)

Introduction  
Growth of Credit Cards  
Strategies issuers use  
Conclusion  
Over the past few years, India’s credit card sector has experienced remarkable growth, boasting nearly 98 million active cards and transaction volume reaching 323 Million in December 2023. Projections suggest that this figure could grow to 190 million cards by

## [The role of API-led technology in modernizing the BFSI industry](/content/blog/the-role-of-api-led-technology-in-modernizing-the-bfsi-industry/index.html)

How Fintech Differs from Traditional Banking Tech  
The Rise of API-Led Innovation in Financial Services  
India Stack and Regulatory Support: Fintech’s Growth Catalysts  
Post-Pandemic: Digital First, Customer-Centric Strategies  
The Power of APIs: Future-Proofing BFSI  
CARD91: Empowering the Next-Gen BFSI Ecosystem

## [Payroll Cards – Payouts made simpler and seamless](/content/blog/payroll-cards-payouts-made-simpler-and-seamless/index.html)

The Pros and Cons of Payroll cards  
Benefits of Payroll cards  
Challenges of Payroll cards  
Conclusion  
Picture this scenario – a collections agency appointed by a lender has hired 1000+ feet-on-street (FOS) workforce to facilitate collections from delinquent customers. The dilemma in front of the agency is that almost

## [Banking as a Service (BaaS) – Entering into a New Era of Financial Ecosystem](/content/blog/banking-as-a-service-baas-entering-into-a-new-era-of-financial-ecosystem/index.html)

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

## [What are the new RBI norms with regard to recurring card payments? – All you need to know](/content/blog/what-are-the-new-rbi-norms-with-regard-to-recurring-card-payments-all-you-need-to-know/index.html)

What are these new RBI norms?  
New rules for Automatic Payments – A Snapshot  
What will be its impact on payments?  
Way forward  
Have you recently started receiving mails/SMS from various banks and service providers asking to re-register your e-mandates for automated payments such as OTT, newspaper subscriptions, etc.?

## [Introduction of Blockchain in Fintech](/content/blog/introduction-of-blockchain-in-fintech/index.html)

What is Blockchain?  
Key Features of Blockchain in Fintech  
How Blockchain Works  
Fintech x Blockchain: Building the FinBlock Ecosystem  
Use Cases of Blockchain in Fintech  
The Road Ahead: Blockchain in Finance  
Conclusion: CARD91’s Blockchain-Ready Infrastructure  
Fintech has long been at the forefront of innovation in the startup ecosystem, acting

## [OPEN BANKING- Is India ready to enter banking 2.0?](/content/blog/open-banking-in-india-scope-status-future/index.html)

What is open banking?  
Open Banking and its status in India  
Open banking adoption accelerates or not?  
How secure or safe is my data?  
What is open banking? Open banking is nothing but a payment system that works on an application programming interface (API). Let’s understand it better with

## [NFC: What is it?](/content/blog/nfc-what-is-it/index.html)

What is NFC?  
How Does NFC Work?  
The Rise of NFC-Enabled Smartphones in India  
Are NFC Payments Secure?  
Contactless Payments and India’s Cashless Journey  
Challenges and the Road Ahead  
Conclusion: Empowering NFC Innovation with CARD91  
Have you ever wondered what really happens when you use the “Tap & Pay”

## [Fintech APIs are changing the landscape of financial services](/content/blog/fintech-apis-are-changing-the-landscape-of-financial-services/index.html)

Introduction  
What is an API and how does it work  
Digitalisation  
Benefits of Fintech APIs  
Strategic Importance for Issuer Banks  
Conclusion  
Over the past decade, technology has shown tremendous impact in many industries. With the change of customer behaviour and the emergence of regulatory compliances, the landscape of the