India’s fintech playbook: public infrastructure, inclusion at scale, and monetising services above a free payment core.
Startup · Topic
Fintech & Digital Payments
Expert guides, analysis and tool comparisons on Fintech & Digital Payments from the kurums.com Startup desk — written for business decision-makers and updated as the market moves.
- 5 guides
- Updated Jul 21, 2026
Latest in Fintech & Digital Payments
All guides
Razorpay and the Business of Fintech Infrastructure
Why B2B fintech infrastructure firms like Razorpay can be more durable businesses than consumer payment apps.
PhonePe vs Google Pay vs Paytm: Winning on Free Rails
How India’s top UPI apps compete and monetise on free, shared payment rails where transactions earn almost nothing.
Paytm: The Rise and Reckoning of an Indian Fintech Giant
How Paytm grew from a mobile wallet into a fintech giant — and why free UPI and regulation forced a hard reckoning.
UPI: How India Built the World’s Best Payment System
How India’s UPI became the world’s most successful real-time payment system through public, interoperable infrastructure.
