Digital lending

The transition from a cash-heavy wallet to a UPI-loaded smartphone wasn’t just a tech upgrade; it was an emotional journey. We break down the six hilarious and relatable psychological stages …

We all use UPI, but has it changed who we are? From disappearing patience to the death of “payment pain,” this interactive 10-question audit helps you diagnose how deep the …

The future of payments isn’t a QR code; it’s a conversation. We break down how UPI’s new AI-powered “Hello! UPI” feature allows you to pay bills, transfer funds, and manage …

In India, bharosa (trust) used to be personal. UPI changed that. We explore the five specific innovations—from the Soundbox to the ‘Green Tick’—that shifted our faith from human promises to …

We can’t go back to cash, but we can’t keep spending like this. We accept that UPI has altered our impulse control and offer seven practical, psychological “speedbumps” to help …

Remember how our parents handled cash? We compare their disciplined habits to our frictionless UPI world, revealing the financial wisdom—from budgeting to delayed gratification—that we’ve accidentally lost in the digital …

Remember saying “keep the change”? UPI’s exact payments have made this generous phrase obsolete, silently impacting the incomes of millions of service workers. We investigate the death of India’s informal …

UPI didn’t just change payments; it changed friendships. The ease of peer-to-peer cash requests has turned us all into on-demand lenders, creating new social pressures and blurring the lines between …

From Kashmir to Kanyakumari, Indian shopkeepers have adopted a single hand gesture for UPI payments. We investigate “The Great Indian Point,” an unspoken national sign language born from technology, necessity, …

UPI’s greatest achievement isn’t just digital payments. It’s the accidental creation of a massive, informal social safety net—a grassroots Universal Basic Income powered by millions of peer-to-peer transfers within families …