What according to you will be the next game changer innovation in digital payments/UPI?

- The UPI Circle-Delegate Payments feature allows primary UPI account holders to delegate transaction rights to secondary users, enhancing shared financial management. - This feature is particularly useful for families, joint account holders, and businesses, enabling shared access to a single UPI-linked bank account. - Full delegation allows secondary users to make payments independently, while partial delegation requires primary user approval for transactions. - The linking process involves scanning a QR code or selecting contacts from the phone, with security measures like passcodes or biometric authentication. - Key beneficiaries include family members, employees, and rural users, promoting financial inclusion and convenience. Source: [Times of India](https://timesofindia.indiatimes.com/technology/tech-news/upi-circle-what-is-it-features-functionality-and-other-details-of-this-new-feature/articleshow/112690036.cms)

Noticed that this phenomenon is just much more in other countries. Maybe cuz UPI is already so. convenient in India that a slightly smoother experience wasn't needed. But with most people wanting to use credit cards, these are the next 2 most important needs: 1) OTP less payments 2) Contact less payments via devices. Step in the right direction?

Let’s create a list of best startups in terms of tech and its product future possibilities.

Why do this when there are no UPI fees and an abundance of UPI apps already? No hate. Just curious why they’d build this

question: do we need another app do payments?

Seen it all. Ask and you shall be informed.

Let's ignore what's wrong with startups, keep this an optimistic thread. Which startups make you excited about their future? The ones that have cracked product, GTM, model, or something else. Name the best Indian startups :)

Walmart owns majority share in both PhonePe and Flipkart, PhonePe is a separate entity from Flipkart, but why is Flipkart itself entering into UPI ecosystem when it is dominant in e-commerce and PhonePe is dominant in UPI and payments. Why is Walmart letting both organisations go against one another by building Flipkart UPI seems weird and waste by burning money. Is it hoping Flipkart UPI to get market share from Amazon Pay or something else is at play here ? Why not pitch PhonePe inside Flipkart app heavily instead ?