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

Launching a Mobile Wallet in Uganda vs Kenya: Infrastructure, Compliance, and Scalability

Choosing the right market can make or break your mobile wallet launch. Uganda and Kenya may look similar from the outside, but the way their mobile money ecosystems work is a world apart. Kenya leads with a mature digital infrastructure and giants like M-Pesa. Uganda, on the other hand, is catching up fast with over 32 million mobile money accou...

29 August 2025 /payments

How Customer Expectations Are Driving the Shift to eWallets

Your customers no longer see cash or cards as enough. They want an app that stores money, pays instantly, and works without limits. They no longer wait in queues or stick to business hours. They shop while commuting, transfer money at midnight, and split bills with a tap. They expect their banks and financial service providers to keep up. If you c...

28 August 2025 /inclusion

How to Build a FinTech Product That Solves Real-World Problems

Every fintech founder talks about innovation. But let’s face it, most digital payment products still miss the mark. They look good on paper but fail in real life. Why? Because they don’t solve what your customers truly struggle with. In 2025, customers expect more than just digital access. They want faster payments, lower transaction fees, simpler...

25 August 2025 /inclusion

Cybersecurity in Smart Transit: The Advantage of Closed-Loop AFC Systems

Introduction Smart transit has changed how people move. Riders now expect fast, digital, and contactless experiences. That includes mobile payments, QR tickets, and cashless fare collection. But with all this convenience, there’s one major concern that many people forget. Is your system safe from cyber threats? If you’re running fare operations or...

20 August 2025 /payments /inclusion

Top Challenges Faced by Businesses in Accepting Digital Payments and How to Solve Them

Digital payments are everywhere. Your customers use them to shop, dine, book travel, and even pay bills. In fact, the global digital payments market is expected to hit USD 16.6 trillion by 2028. That’s a massive shift in how people move money. But here's the truth: while paying digitally has become easy, accepting those payments still comes with ...

14 August 2025 /payments

Top Challenges Faced in Global Payouts (And How Financial Institutions Can Overcome Them)

While global payouts are the most sought-after and growing market, there are still many challenges faced by financial institutions like yours. And also not to ignore the fact that global payouts aren’t just about moving money anymore. But they are about delivery speed, accuracy, and trust. And here’s the main catch: If you want to offer your cu...

07 August 2025 /payments

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