Payments

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    India’s DPI Stack: A Banker’s Guide

    FrankBanker Research

    India’s DPI story is often told through scale. This guide looks at it through structure. It maps the digital rails, protocols, access layers, and public data systems that increasingly shape lending, onboarding, verification, payments, and underwriting in India. From Aadhaar, UPI, DigiLocker, and Account Aggregator to OCEN, ONDC, ULI, and the expanding universe of public data APIs, the guide explains what each layer does, where it fits, and where the gaps still remain.

  • Payments in Quantum world

    Sunil Rajaram Landge

    Global payment systems rely on encryption powered by mathematical formulas that classical computers cannot solve, keeping stored and transmitted data secure. But the rise of quantum computing threatens to unravel this security, with the potential to compromise payment systems entirely. Sunil Landge delves into the looming quantum challenge and how financial institutions can safeguard themselves for a secure future.