UPI is expanding at a remarkable pace, processing around 14 billion transactions each month. However, the introduction of Credit Line on UPI holds the potential to supercharge this growth, unlocking a staggering $1 trillion payment value opportunity by 2030. As part of our ongoing series on Credit Line on UPI, we sat down with Sivaram Kowta, President of Banking at Zeta India, to delve deeper into this game-changing innovation and its impact on the future of digital payments. In this episode, we explore:

💸 Credit Line on UPI: What it is and how it could unlock a $1 trillion opportunity by 2030.
💰Why banks, with their vast customer base and lower cost of funds, have the edge over fintechs in offering credit lines on UPI.
⚙️ Insights into the tech hurdles banks face in adopting credit lines on UPI
🗺️ How Zeta is leading the charge in solving these challenges with their innovative solutions

Make sure to listen to the full episode for a deeper dive into these topics!

Timeline

00:00 Start
00:45 Introduction
01:30 About Sivaram
05:14 $1 Trillion payment value opportunity
08:07 Bank’s right to win in Credit Line on UPI
14:56 Solving the discovery problem
17:28 Technology considerations
29:08 Zeta’s Credit Line on UPI offering
34:56 Commercialization models
36:47 Chak De India – Democratizing Credit With Credit Line On UPI
38:58 Contacting Sivaram

Contacts

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