Latest opinions that Nikunj Gundaniya has shared on Finextra

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Nikunj Gundaniya

Product manager

Digipay.guru

Member since

27 Dec 2019

Location

Ahmedabad

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Nikunj's opinions

Key Things to Avoid When Launching Your Digital Wallet Platform

Launching a digital wallet sounds exciting, but it’s also risky, especially if you overlook the details that matter. Many banks and financial institutions rush to enter the digital payment services space, only to struggle with poor adoption, regulatory blocks, or system crashes. You can’t afford to make the same mistakes. Your customers expect ...

30 June 2025 /payments

Understanding PCI DSS, PSD2, and AML in Payment Processing: A Practical Guide

Belonging to a fintech field, you know how much trust matters. Yes, trust is everything. And if your customers don’t feel safe while making payments, they won’t return. You know this already. But what’s often unclear is how to stay secure and compliant in a space that’s constantly changing. That’s where PCI DSS, PSDS2, and AML come in. These c...

26 June 2025 /payments

How document verification in eKYC prevents fraud in digital banking

You’re not just fighting fraud. You’re building a faster, smarter, and more compliant banking experience. That’s where eKYC document verification solution steps in—not just as a security layer, but as a growth driver. When you verify customer documents quickly and accurately, you reduce onboarding delays, avoid compliance fines, and cut down oper...

18 June 2025 /retail

Why closed-loop payments are ideal for boosting loyalty

Loyalty fails when it’s disconnected from how people pay. Traditional loyalty programs are often built as afterthoughts. A separate sign-up. A separate app. A separate step. But it doesn’t have to be like that, right? Because it’s a disconnected experience for your customers. And that often leads to hesitation and confusion. What if loyalty can be...

13 June 2025 /payments

Understanding the Agent Network Module in Remittance Services

Cross-border remittances are evolving fast. Your customers want faster, cheaper, and easier ways to send money home. But in many regions, access to banking is still limited. That’s where agent networks come in. They help you reach customers wherever they are, across cities, villages, or countries. But how? The answer is: “with a seamless cross...

10 June 2025 /payments

Top 5 Benefits of Closed-Loop Cards That Can Transform Your Business

Modern businesses don’t suffer from a lack of payment options; they suffer from a lack of control they have over payment experiences. Open-loop payments get the job done. But they’re built to serve the transaction, not the relationship. These generic payment networks don’t know your brand. They don’t carry your identity, and they certainly don’t he...

03 June 2025 /payments

How Mobile Banking Is Revolutionizing Customer Service

With technology, customers have evolved so much that they don’t like to wait. They expect fast, flexible, and reliable services, especially when it comes to money. Traditional banking just can’t keep up with their pace anymore. That’s where mobile banking steps in. Today, the way of offering banking has changed. It’s about creating meaningful cust...

30 May 2025 /retail

The Future of Embedded Finance: Why It's the Next Big Thing for Fintech

Imagine this: your customer books a cab, pays for it, takes a small loan for groceries, and invests spare change all from a single app. That’s not the future. It’s already happening. Embedded finance is changing how people access financial services. And for you, as a bank or financial institution, this opens a new door to innovation, growth, and c...

28 May 2025 /payments

Essential Security Features for a Reliable Money Transfer Platform

Security is the foundation of a reliable money transfer platform. Customers trust you with their hard-earned money. They expect safe and seamless transactions through your platform. A single security breach can damage your reputation, which may result in financial losses and lead to compliance penalties. To protect your business and customers, you...

21 May 2025 /payments

5 things parking operators should do to make parking payments convenient

The fastest way to lose a Parker? Make paying harder than parking. Long lines at pay stations. Apps that freeze or confuse. Broken machines. These aren’t just minor inconveniences; they’re friction points that chip away at customer satisfaction and, eventually, revenue. Today’s users expect fast, flexible, and stress-free ways to pay. And if t...

15 May 2025 /payments