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 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

How fintechs can capitalize on the growing demand for prepaid cards

Prepaid cards are gaining popularity worldwide. Customers prefer them for their convenience, security, and flexibility. Businesses and individuals use them for seamless transactions without traditional banking hurdles. Fintechs have a great opportunity to tap into this market. Also, prepaid card management software can help you increase revenue ...

29 April 2025 /payments

The role of mobile payment systems in enhancing customer experience

Customer experience has become the heart of success for banks and financial institutions. Your customers want fast, secure, and seamless ways to manage their finances. Meeting these expectations builds trust and loyalty while boosting your business growth. Mobile payment systems are reshaping the way financial services are delivered. They allow yo...

24 April 2025 /payments

Card issuing: Types of issued cards and how they work

Prepaid cards allow you to provide customers with secure and efficient payment solutions. As a financial business, if you are offering prepaid cards, you can acquire a huge customer base. Prepaid cards enhance your customers' satisfaction by making payments more convenient. Moreover, prepaid card solutions enable faster, affordable, and transpare...

17 April 2025 /inclusion

Regulatory challenges in cross-border fees: How to stay compliant and competitive

Offering international remittance services helps you attract more customers and boost revenue. However, regulatory challenges in cross-border fees can create hurdles. Strict compliance rules, hidden costs, and changing laws impact your business. Staying compliant while keeping fees competitive is crucial. By addressing key regulatory issues, you c...

14 April 2025 /payments