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

What you need to know about merchant accounts

A merchant account is essential for businesses that accept payment. It acts as a bridge between customer payments and your merchant’s business bank account. When a transaction occurs, funds first enter the merchant account before reaching the bank. Having a merchant account for businesses like retailers and FMCG industries is very important. Bec...

21 March 2025 /retail

How white-label payment solutions empower banks and fintechs to scale services

As the world is emerging, people are getting busier; they expect instant transactions. Scaling your business operations can be challenging in a cutthroat world of digital payments. Your customers demand faster service and convenience. This is why you need a robust a white-label payment solution & platform. Additionally, building a solution fr...

19 March 2025 /payments

Understanding cross border bill payments: A comprehensive guide

Cross-border bill payments are very essential for today’s interconnected economy. Through the cross-border bill payments feature, your customers can pay utility bills or any kind of bills for their known ones staying abroad. For example, A father wants to pay the monthly bills for his child, who’s staying abroad. He can directly pay the bills wi...

13 March 2025 /payments

Beyond Cashless Payments: The Multifunctional Role of NFC Smart Cards in Events

Event organizers like you usually have to deal with two big challenges: running your events smoothly and creating experiences people won’t forget. But that’s often hard to achieve. What if one simple tool could do both? Yes, you read that right! And these tools are NFC smart cards. They are more than just a cashless payment method; they’re a gatew...

12 March 2025 /payments

Why does your bank need branchless banking system?

In the global economy, there is an emerging culture shift where the financial industry is changing at a very rapid speed, and this change is led by the digitization of processes. Individuals require banking services to work quicker with little inconvenience, and this is why institutions must change. That is why one of the adaptations can be the es...

10 March 2025 /inclusion

How Closed-Loop Payments Help Businesses Adapt to Changing Customer Expectations

The evolving customer expectations are always a challenge for even the most responsive retailers. Your shoppers simultaneously demand frictionless transactions, deeply personalized shopping experiences, and greater financial control. Delivering all these seems nearly impossible with conventional payment systems. Closed-loop payment ecosystems of...

27 February 2025 /payments

The role of NFC payments in the growth of digital wallets

Digital wallets have in particular emerged as one of the most used methods in recent years as the use of cash is slowly decreasing. As part of this revolution, NFC (Near Field Communication) technology has cropped up as the driving force for contactless payment solutions. It enhances the acceptance of NFC contactless payments into a win-win solut...

26 February 2025 /payments

Step-by-step guide: how to set up QR code payments for your business

Today, there is cutthroat competition in the market and in this environment of fast-changing technologies, businesses can and must adopt innovative payment solutions. QR code has proved to be an innovation, which has enabled customers to make payments within the shortest time, safely and without physical contact. If adopted into your business, it...

26 February 2025 /payments

How agency banking is empowering rural communities in Kenya

Over the last few years, agency banking has emerged as a powerful force in bridging the financial inclusion gap, particularly in the rural and underserved regions of Kenya. Through a network of agents, financial institutions are transcending traditional brick-and-mortar branches. They are offering enhanced access, convenience, and most important...

14 February 2025 /payments /inclusion Fintech

How Closed-Loop Cards Can Help Small Businesses Compete with Larger Chains

Small businesses don’t just compete with each other—they go up against industry giants with nationwide reach, deep pockets, and aggressive pricing. It’s not a fair fight, but it’s one that independent retailers, boutique shops, and local service providers can still win. One of the biggest advantages big chains have is customer retention. Loyalty p...

13 February 2025 /payments