Tag «NPCI»

Ambigous specification doesnt give clarity on surveillance

Last month I made an explosive claim based on my reading of UPI specification (v 1.2). Dear @NandanNilekani i made a factual claim of how @UPI_NPCI is surveillance here from specs. @India_Stack has not denied. cc @virsanghvi https://t.co/7yzA5BdZcg — Srikanth ஸ்‌ரீகாந்த் (@logic) April 2, 2017 The claim was based on interpretation that every request made by …

Payments Neutrality & Discrimination scene in payments

Given a lot of action around payments and UPI turf wars like that of PhonePe-ICICI and calls for “payment neutrality law” have been made by IAMAI, PCI and more recently, TRAI Chairman RS Sharma sought the same in his opinion column titled Conditions for cashless India, it is important to understand the discrimination scene in payments, various actors, point of views. …

#CashlessConsumer – eWallets, UPI, UPI-Wallets

Cashless has its downsides for consumers. Rejecting cashless or hesitating to embrace technology is not a solution to circumvent the problems of cashless ecosystem. Cashless obviously has its benefits which many of us have experienced in the form of convenience. Embracing cashless and being an informed consumer who is aware of systems and its designs, increases …

UPI is indeed a tolled highway.

UPDATE: An edited version of this post was published in Medianama. UPI is a toll road This is a response to LiveMint opinion piece How the Indian state is building a new generation of digital public goods. For the purpose of keeping it specific, I will restrict the response to UPI, and shall refrain from covering …