How fintechs can scale with smart design

PhonePe: Engineering Trust at Scale In fintech, failure isn’t a bug. It’s a broken promise. PhonePe processes thousands of UPI transactions per second and rarely misses. 1. Multi-Gateway Routing Transactions pass through multiple payment partners simultaneously. If one fails, routing shifts instantly. 2. Idempotent Transaction Handling Each UPI request has a unique ID. Even if retried, the system ensures one and only one debit. 3. Retry Queues Failed requests queue for automatic retries without human input. 4. Live Reconciliation Transactions sync with NPCI and banks within seconds, reconciling discrepancies on the fly. 5. Real-Time Alerts Monitoring systems track latency, failure rates, and gateway health continuously. PhonePe doesn’t sell payments. It sells confidence through reliability. Trust is built one successful transaction at a time. #PhonePe #UPI #Fintech #SystemDesign #ReliabilityEngineering

The QR Code Revolution ✨ Think digital payments — what comes to mind? That small blue QR code board everywhere, right? 📱 That’s the power of Paytm and UPI — they didn’t just create a fintech product, they built a new consumer habit. When people saw “Paytm accepted here,” it instantly meant trust, ease, and inclusion — even for local street vendors. Soon, every payment app followed the same blue QR code identity. 🧠 Psychology: Familiarity + Trust Transfer 🎯 Strategy: Build a simple, repeatable visual code that signals reliability before price or features do. Paytm didn’t just make payments digital — it made trust visible. 💙 That’s not just fintech innovation — it’s strategic brand design at financial scale. #MarketingStrategy #Fintech #UPI #Paytm #FinanceAndMarketing #ConsumerPsychology #MBA #BrandLeadership #DigitalIndia

Peak-Time UPI Delays? Here’s My 3-Layer Plan. We’ve all been there — you’re at the counter, scanning the QR, and suddenly… “Transaction Pending .” UPI is fast, but even the best systems can face delays during peak hours. Here’s how I make sure payments never stall My 3-Layer Backup Plan: 1️⃣ Alternate Apps: Always keep 2–3 UPI apps ready (GPay, PhonePe, Paytm). 2️⃣ Bank Balance Check: Keep track of funds — don’t let low balance be the reason. 3️⃣ QR + Card Backup: Carry a card or keep QR screenshots for offline moments. Because being digitally smart means being prepared, not panicked. Purna FinX PurnaFinX #UPI #Fintech #PurnaFinX #DigitalPayments #SmartMoney #FinanceForAll #CashlessIndia

My father, 63, knows how to use Paytm. He just doesn’t 𝘵𝘳𝘶𝘴𝘵 it. When he sends me money, he can do it easily — but only if I’m standing next to him. He isn’t avoiding Paytm because of lack of skill.  He’s avoiding it because of 𝘭𝘢𝘤𝘬 𝘰𝘧 𝘦𝘮𝘰𝘵𝘪𝘰𝘯𝘢𝘭 𝘴𝘢𝘧𝘦𝘵𝘺. He grew up in a world where trust looked different. You handed over cash, you saw it move. You signed a cheque, you felt the pen on paper. You went to a bank, there was a human face to hold accountable. Digital money erased all that. No visibility. No tactility. No reassurance. For him, fintech isn’t unsafe. It’s just 𝘪𝘯𝘷𝘪𝘴𝘪𝘣𝘭𝘦. And our brains don’t trust what they can’t see repeat safely. That’s why older users don’t need another “how to use UPI” guide. They need micro-moments that say — “You’re safe. You can undo this. You’re not alone.” A 5-minute hold period, can handle fear of irreversible mistakes A co-assisted mode or a co-approval link can bring in the human proximity. A dedicated elder mode with minimal icons & buttons, can create control and not overwhelm them. A vernacular voice confirmation can help them establish belief that it will work every time. Predictive trust isn’t built through UX. It’s built through 𝘦𝘮𝘰𝘵𝘪𝘰𝘯𝘢𝘭 𝘱𝘳𝘰𝘰𝘧. Every click should whisper, “We’ve got you.” #Fintech #ElderTech #PredictiveTrust

India’s UPI ecosystem is booming, with PhonePe, Google Pay, and Paytm leading the charge. As of September 2025, these fintech giants dominate digital transactions, while new players like Navi, CRED, and Super.money are rapidly reshaping India’s cashless economy. ----- #UPI #DigitalIndia #Fintech #DigitalEconomy

In June 2025, UPI handled over ₹24.03 lakh crore across 18.39 billion transactions, representing a 32% increase in transaction volume from the previous year. The system serves 491 million individuals and 65 million merchants, connecting 675 banks and accounting for 85% of India's digital transactions and almost 50% of global real-time digital payments. The technical decline rate has dropped significantly to 0.8% in 2024, indicating improved infrastructure.

What makes a fintech product truly unforgettable? For me, PhonePe's seamless blend of speed, convenience, and user experience has been a game-changer. It's not just a payment app - it's a reflection of India's digital payments evolution. 🔍 Key shifts shaping India’s $10T digital payments story: - UPI powers 60%+ of non-cash transactions (2022), projected to hit 75% by 2026 - Tier 3–6 cities are driving 60–70% of new mobile payment users - QR codes now live at 30M+ merchant touchpoints—up from 2.5M in 5 years   - Embedded finance is rising—SIPs, IPOs, BNPL, and more - Transaction data now drives 50% of credit scoring—Fintechs are better poised to meet the unmet lending demand amounting to $250B+ 📱 Super apps like Phone Pe are evolving into financial operating systems—blending payments, lending, and investments with hyper-personalized nudges. 🛠️ To sustain this momentum, we need: - CKYC (Central Know Your Customer) adoption to simplify onboarding  - Fraud prevention to maintain customer trust & retention - Sustainable MDR (Merchant Discount Rate) to support payment facilitators. - Bank infra upgrades to reduce UPI failures - 5G + CBDC (Digital Rupee) integration  💡 The Real Moat Trust, not just tech, is the key differentiator. The next wave of fintech will be won by those who understand user intent, not just transaction speed. #PhonePe #FintechIndia #DigitalPayments #BehavioralDesign #ProductStrategy #UXMatters #FinancialInclusion #ProductManagement #UPI #BrandStrategy

💳 𝗛𝗲𝗿𝗲’𝘀 𝘄𝗵𝗮𝘁 𝗵𝗮𝗽𝗽𝗲𝗻𝘀 𝘄𝗵𝗲𝗻 𝘆𝗼𝘂 𝗰𝗹𝗶𝗰𝗸 “𝗣𝗮𝘆 𝗡𝗼𝘄” We do it every day — but have you ever wondered what actually happens behind that button? Let’s break it down like engineers 👇 1️⃣ 𝗧𝗼𝗸𝗲𝗻𝗶𝘇𝗮𝘁𝗶𝗼𝗻 – Your card details are never sent directly. They’re replaced with a secure, random token that represents your card — keeping it safe from exposure. 2️⃣ 𝗣𝗮𝘆𝗺𝗲𝗻𝘁 𝗚𝗮𝘁𝗲𝘄𝗮𝘆 – This token (and payment request) goes to a payment gateway like Razorpay, Stripe, or Paytm. The gateway securely routes the transaction to the right network (Visa, Mastercard, UPI, etc.). 3️⃣ 𝗕𝗮𝗻𝗸 & 𝗡𝗲𝘁𝘄𝗼𝗿𝗸 𝗩𝗲𝗿𝗶𝗳𝗶𝗰𝗮𝘁𝗶𝗼𝗻 – The gateway talks to your bank and card network. The bank checks your balance, validates the request, and authorizes the transaction. 4️⃣ 𝗦𝘂𝗰𝗰𝗲𝘀𝘀 𝗖𝗮𝗹𝗹𝗯𝗮𝗰𝗸 – Once approved, the gateway sends a success callback to the merchant’s server — confirming your payment instantly on the website or app. 5️⃣ 𝗦𝗲𝘁𝘁𝗹𝗲𝗺𝗲𝗻𝘁 – The money moves from your bank to the merchant’s account (usually within 1–2 days), completing the transaction lifecycle. ⚙️ It’s a perfect example of how APIs, security, and real-time systems come together to create magic in milliseconds. Follow for more such system design breakdowns 🔥 #SystemDesign #Payments #BackendDevelopment #Fintech #SoftwareEngineering #TechExplained #linkedin

Paytm, the fintech brand owned by One97 Communications Limited, has launched ‘Paytm Postpaid’ service on UPI. With Paytm Postpaid, consumers can make payments using a credit line on UPI across all merchant touchpoints, the company said in a statement on Friday. With this, customers will be offered ‘Credit Line’ on UPI, powered by National Payments Corporation Of India (NPCI) and in partnership with Suryodaya Small Finance Bank. “This innovation enables consumers with instant short-term credit and offers the convenience of ‘Spend Now, Pay Next Month’, the statement said. With ‘Paytm Postpaid’, consumers can scan any UPI QR code, shop online, or pay for recharges. They can also do bill payments and perform bookings on the Paytm app. “The facility offers up to 30 days of short-term credit, giving individuals the flexibility to spend instantly and repay the following month. It makes everyday payments smarter, faster, and more reliable.” .. #RisingStartup #Paytm #UPI #Payments #Credit #StartupNews

PhonePe Readies IPO, Bets On Biometric And Tap-To-Pay Future PhonePe’s Deep Agarwal said the company is preparing for its IPO while focusing on biometric and tap-to-pay payments. He added that credit card launches will boost growth. PhonePe’s theme “Tech for India” underlines its inclusive approach. Watch: https://lnkd.in/gCYGSUZC | #phonepe #gff2025 #upi #digitalindia #fintech #deepakrawal #creditcard #financialinclusion #techforindia #businesstoday #wishcard #rupay #digitalpayments #makeinindia #PhonePe #GFF2025 #UPI #DigitalIndia #Fintech #DeepakRawal #CreditCard #FinancialInclusion #TechForIndia #BusinessToday #WishCard #RuPay #DigitalPayments #MakeInIndia