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

Top Neobanking Features Banks Must Offer in 2025

Your customers don’t want to wait anymore. They want all payments to be instant and quick. They just want to tap, pay, and move on. So, if your banking experience feels slow, cluttered, or outdated, they’ll leave. By 2026, over 500 million users are expected to use neobanking platforms worldwide’ says Plaid. And that number is only rising. The me...

01 August 2025 /retail

How to Prepare Your Bank for a Seamless Digital Payment System Shift

Did you know that over 80% of global consumers now use digital payment methods regularly? That number keeps growing every year. Your customers expect you to keep up. They don’t want to wait in lines or deal with outdated systems; they want speed, ease, and control. As Bill Gates once said, “Banking is necessary, banks are not.” If you don’t adapt...

24 July 2025 /payments

How Mobile Money Is Transforming Nigeria’s Financial Landscape

Mobile money in Nigeria is changing the financial game. With over 220 million people and a smartphone penetration rate of nearly 60%, Nigeria is becoming a mobile-first economy. Millions now send, receive, and store money using just their phones. And as a bank or financial institution, you can’t afford to overlook this shift. More Nigerians now tr...

21 July 2025 /inclusion

Top 5 Challenges in Cross-Border Remittance and How Alternative Payment Methods (APMs) Solve Them

Cross-border remittance plays a crucial role in your customer’s financial journey. But let’s face it, traditional methods don’t always deliver the experience your customers expect. They’re tired of high fees, delays, and a lack of clarity. That’s where alternative payment methods (APMs) come in. They are literally changing the remittance game.

03 July 2025 /payments

Which Wallet Solution Matches Your Business Model: eWallet or Digital Wallet?

Your customers expect quick, secure, and smooth digital payments. If you fail to meet that expectation, they’ll look for other options. That’s where wallet solutions come in. But with so many options available, how do you decide which one fits your business? You’ve likely heard the terms eWallet and digital wallet solution. They sound similar, but...

03 July 2025 /payments

Key Things to Avoid When Launching Your Digital Wallet Platform

Launching a digital wallet sounds exciting, but it’s also risky, especially if you overlook the details that matter. Many banks and financial institutions rush to enter the digital payment services space, only to struggle with poor adoption, regulatory blocks, or system crashes. You can’t afford to make the same mistakes. Your customers expect ...

30 June 2025 /payments

Understanding PCI DSS, PSD2, and AML in Payment Processing: A Practical Guide

Belonging to a fintech field, you know how much trust matters. Yes, trust is everything. And if your customers don’t feel safe while making payments, they won’t return. You know this already. But what’s often unclear is how to stay secure and compliant in a space that’s constantly changing. That’s where PCI DSS, PSDS2, and AML come in. These c...

26 June 2025 /payments

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