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

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

Key Security Considerations and Measures When Implementing HCE Tech into Your eWallet

You want to offer fast, secure, and seamless mobile payments to your customers. Host Card Emulation (HCE) helps you do that. It powers contactless transactions without the need for a physical card or hardware. But with this convenience comes the need for strong security. If your HCE wallet is not secure, it puts user data and your business at risk...

15 May 2025 /payments

Challenges in agency banking and how to overcome them in South Africa

Agency banking helps you extend financial services to unbanked populations. It enables your customers to access banking services anywhere, anytime. South Africa has seen a rise in agency banking due to the demand for financial inclusion. Like everything, there are two sides to aspects. So does the agency banking. There can be challenges in agen...

08 May 2025 /retail