Citizen Observation 66 of 777 | NHAI & IHMCL | FASTag @ Delhi Airport | Thank You for the Quick Response

 Published 16^th October 2026

Nayakanti Prashant
3rd Gen Banker & Citizen Lobbyist – Bengaluru

https://in.linkedin.com/in/prashantnayakanti

 

The Intro

A FASTag experience at Delhi Airport caught my attention—not only because of the concern raised, but because of what happened next.
A citizen question reached the system, NHAI & IHMCL responded quickly, and the course was corrected.

The  Trigger

The trigger for this Citizen Observation was user feedback about FASTag at Delhi Airport's Terminal 3.

Reports indicated that vehicles were being diverted when they did not meet certain FASTag-related entry conditions, raising concerns about the limited free waiting period. The issue was raised publicly, including on social media, and reached the authorities.

What caught my attention was not only the concern.

It was the response.

NHAI took cognisance.
IHMCL stepped in.
Directions were issued to discontinue FASTag-based entry restrictions.
And the restrictions were subsequently lifted.

That made me pause.

We often talk about convenience, automation and seamless digital journeys.

But perhaps another dimension deserves equal attention:

How quickly does the system listen when a citizen says, “Something doesn't feel right”?

For me, CO66 is therefore not about criticising FASTag.

It is about appreciating responsive regulation when a citizen-facing digital experience needs correction.

 

The  Prospective Audience

The Immediate User

The person driving into Delhi Airport T3 to pick up or drop off a passenger—experiencing the payment system not as policy, but as a real-world journey.

The FASTag User

Motorists who expect FASTag to make payments automatic, contactless and predictable.

The Occasional Airport Visitor

Someone unfamiliar with the latest parking or FASTag arrangements. For such users, clarity is part of convenience.

The Citizen Who Raises a Question

The person who notices something unusual, speaks up, posts about it or brings it to the appropriate institution.

Sometimes the first signal that a digital process needs examination comes from the person actually using it.

The Regulator

NHAI, IHMCL and similar institutions that sit between technology, operators and citizens.

CO66 is also a small appreciation of an important regulatory function:

Listening → Examining → Responding → Correcting

The Payment Ecosystem

Banks, FASTag issuers, parking operators and technology partners implementing digital payments on the ground.

A payment technology may be technically seamless, but the citizen experience around it matters too.

The Airport & Mobility Ecosystem

Airports, parking operators, transport authorities and mobility platforms integrating digital payments into physical movement.

When payment technology becomes part of a journey, the boundaries between payment, access and convenience need to remain clear.

The Digital Public Infrastructure Community

Those building India's next generation of digital infrastructure.

The broader design principle is simple:

Digital infrastructure should not only work. It should remain understandable, predictable and responsive to the citizen.

And Finally — Every Citizen

Because this observation is bigger than FASTag.

It is about something we all want from the systems we use:

When we raise a genuine concern, will someone listen?

And when the answer is yes, perhaps we should say that too.

Thank you, NHAI & IHMCL, for the quick response.

 

Act I — When a Payment Journey Meets a Physical Journey

A FASTag is designed to make a payment journey simple.

At Delhi Airport's Terminal 3, that digital journey meets a very physical one.

A vehicle arrives.
The FASTag is read.
The vehicle moves forward.
A passenger is picked up.
And, where applicable, the parking fee can be collected digitally.

That sounds simple.

But recent user feedback around T3 raised another question:

What happens when the payment mechanism itself starts influencing where a vehicle can enter or how the journey proceeds?

For a citizen, the distinction may be small on a screen—but very real on the road.

That is where this observation began.

 

Act II — Payment Should Facilitate the Journey

The issue was not whether FASTag should be used at an airport.

Using FASTag for parking payments can make the experience contactless, convenient and cashless.

The question was about its purpose.

If FASTag is being used to collect a parking fee, the relationship seems simple:

Vehicle enters → Parking happens → Applicable fee → Digital payment

But if FASTag status or balance becomes a condition for entering a particular area, its role appears to move beyond payment.

That is where the regulatory response caught my attention.

NHAI took cognisance and clarified that FASTag should not be used to enforce entry restrictions. IHMCL directed the concerned bank to discontinue such restrictions.

For me, the principle is simple:

Payment should facilitate the journey—not silently redefine the journey.

Act III — Thank You, NHAI & IHMCL

This is the part of the story I want to acknowledge.

A citizen-facing issue emerged.
Users spoke about their experience.
The concern reached the authorities.

NHAI took cognisance.
IHMCL responded.
Directions were issued.
The FASTag-based entry restrictions at T3 were subsequently lifted.

That deserves recognition.

We often describe digital transformation through:

RFID.
FASTag.
Automation.
Cashless payments.
Real-time processing.

But another dimension matters just as much:

Responsiveness.

When something doesn't work as intended, can the citizen's experience reach the institution?

And when it does, can the institution respond quickly?

For this episode, my answer is simply:

Thank you, NHAI & IHMCL, for the quick response.

 

Citizen Observation 66 of 777

Perhaps the most encouraging part of this episode is not that a digital system encountered a question.

Digital systems will always evolve.

The more important observation is what happened after the question was raised.

A citizen experience became visible.
The regulator examined the issue.
The intended role of FASTag was clarified.
Corrective action followed.

That makes me think:

A good digital ecosystem is not one where nothing ever goes wrong. It is one where genuine concerns can be heard—and corrected.

FASTag can make a journey smoother.

Regulation can help keep the technology within its intended purpose.

And citizens can contribute by observing, questioning and sharing their experiences.

One observation at a time.

Closing Thought

There is something reassuring about seeing a digital system corrected without losing sight of the citizen using it.

The technology can be sophisticated.
The infrastructure can be complex.

But the principle can remain simple:

**Make the payment easy.

Keep the journey clear.
Listen when the citizen speaks.**

And sometimes, a Citizen Observation does not end with a demand.

Sometimes it ends with two words:

Thank you.

Thank you, NHAI & IHMCL, for the quick response.

 

April 11 — Digital Transactions Day

This FASTag episode gives me another reason to think about April 11 — Digital Transactions Day.

The FASTag journey at the airport is completely digital:

FASTag → RFID reading → Vehicle identification → Parking process → Digital system

But there is an interesting distinction:

A digital journey does not necessarily mean a financial transaction has happened.

A vehicle may enter.
FASTag may be read.
The system may recognise the vehicle.
The journey may continue.

And if the vehicle remains within the permitted free period, there may be no parking fee to pay at all.

So:

The journey is digital.
The identification is digital.
The process is digital.
But the financial transaction may be NIL.

For me, that expands the meaning of digital transactions.

Perhaps Digital Transactions Day should not be understood only as celebrating money moving digitally.

It can also recognise the increasingly digital journeys through which citizens interact, authenticate, access, move and transact.

Please note, Digital Payments are also a sub-set of Digital Transactions.

And that is one more reason I continue to advocate:

April 11 — Digital Transactions Day.

April 11, 2016 is UPI Beta Launch.

---

Additional Reading

• Indian Express — NHAI tells banks not to allow FASTag to restrict entry at Delhi Airport
• Indian Express — FASTag at Delhi Airport: Can payment systems be used to restrict entry?
• Times of India — T3 parking operator used FASTag to restrict entry; payment facility suspended
• Times of India — NHAI warning prompts IGI T3 parking operator to lift FASTag curbs
• IHMCL — Official website and FASTag resources

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Disclaimer

This Citizen Observation is an independent citizen perspective based on publicly reported information and user feedback. It is not a complaint against NHAI, IHMCL, Delhi Airport, any bank, parking operator or FASTag participant.

The appreciation expressed here is specifically for the reported regulatory response to the entry-restriction issue.

This post does not represent any official position of the organisations mentioned.

FASTag arrangements, airport parking rules and regulatory directions may change. Readers should refer to official sources for the latest applicable position.

 

The Joy of Digital Transactions

Nayakanti Prashant
3rd Gen Banker & Citizen Lobbyist – Bengaluru
Advocating Digital Transactions Day (April 11)

Author’s Blogs

https://prashantrandomthoughts.blogspot.com
https://prashantnepayments.blogspot.com
https://innovationinbanking.blogspot.com

 

Citizen Observation 65 of 777 | UPI 54 Pages Circular – P8 | I Paid Using Credit — Can I Explain It to My Spouse?

 Published 15^th October 2026

Nayakanti Prashant
3rd Gen Banker & Citizen Lobbyist – Bengaluru

https://in.linkedin.com/in/prashantnayakanti

 

The Intro

I paid using credit through UPI. Later, in an ordinary conversation, my spouse asks, “What exactly did you use?”

Can I explain it clearly—not just that I made a payment, but what kind of credit transaction it was?

The Trigger

The trigger is Section 26 — Credit Line on UPI (Credit on UPI), pages 32–33, of the UPI Consolidated Circular, Version 1.0 dated 18 September 2026.

The circular describes pre-sanctioned credit lines as a source of funds on UPI.

It distinguishes interest-free credit lines from interest-bearing credit lines and refers to their use across different UPI features.

Yes, Credit on UPI Lines can be interest free or interest bearing.

One provision particularly caught my attention. Section 26.11 refers to standardising account subtypes and reference numbers to harmonise the user experience and reduce friction at the point of payment.

I am not reading this as evidence that customers cannot currently identify their credit transactions. Instead, it prompts me to consider a simple, everyday question.

When I pay using credit through UPI, will I understand the nature of that transaction—not just when I make the payment, but when I look back at it later?

And if someone close to me asks what I used, can I explain it in my own words?

For me, that is the citizen observation worth exploring.

Prospective audience

This observation may resonate with:

• UPI customers who use, or are considering, a credit line for payments.
• Customers curious about their source of funds and the distinction between paying from a bank account and using credit.
• People who revisit their payment history, notifications or statements and want to understand the nature of a transaction.
• Households that discuss everyday finances, where one person may naturally ask another, “What exactly did you use?”

I am not approaching this as a credit-product reviewer or a technical expert. I am approaching it as a customer asking a simple question:

When I pay using credit, do I understand it well enough to explain it to someone close to me?

Act I — The conversation

The payment is done. Later, my spouse asks a simple question: “What exactly did you use?”

It is not a complaint or a challenge. Just the kind of question that can come up when two people share the details of everyday life.

I know I made a payment through UPI. But can I explain whether I used my bank account or a credit line—and, if I used credit, what kind of credit transaction it was?

That small moment makes me pause.

Act II — What the circular makes me notice

Section 26 of the UPI Consolidated Circular describes Credit Line on UPI and distinguishes interest-free credit lines from interest-bearing credit lines. It also refers to their use across different UPI features.

Section 26.11 particularly stands out: it refers to standardising account subtypes and reference numbers to harmonise the user experience and reduce friction at the point of payment.

I do not take this to mean that customers are necessarily confused today. Instead, it raises a question for me: as credit becomes another source of funds for UPI payments, will the customer be able to understand and explain the transaction afterwards?

The payment experience matters. So does the understanding that stays with us after the payment.

Act III — The everyday test

Imagine looking back at a UPI payment and being asked, “Was that from your bank account or through credit?”

If through Credit, than which Credit Line?

The customer-facing test is simple: can I recognise what I used, understand the nature of the transaction, and explain it in ordinary language?

This is not about expecting every customer to know the terminology in a circular. It is about whether the experience leaves the customer with enough clarity to answer a straightforward question at home.

For me, that is where convenience meets understanding.

Citizen Observation 65 of 777

A UPI payment may take only a moment. Understanding what I used to make that payment should not have to be a mystery.

When credit becomes a source of funds on UPI, the customer’s experience extends beyond completing the transaction. It includes recognising the nature of that transaction and being able to explain it in everyday language.

My observation is not that customers cannot do this today. It is that customer understanding deserves to remain part of the journey.

Sometimes, the simplest test is a question asked at home.

Closing thought

A payment is complete when the transaction goes through. The experience feels complete when the customer understands it, too.

April 11 — Digital Transactions Day

April 11 is proposed as Digital Transactions Day—a day to reflect not only on the growth of digital payments, but also on the experience of the people who use them.

As UPI journeys evolve, the conversation must remain bigger than transaction completion. Can citizens see, understand and explain the digital transactions they make?

That, too, belongs in the joy of digital transactions.

The larger Digital Transactions Day advocacy continues separately at Move the Barrier.

Move the Barrier

April 11 2016, is the UPI Beta Launch Day.

 

Disclaimer: This post is an independent citizen observation based on Section 26 of the UPI Consolidated Circular, Version 1.0 dated 18 September 2026. It reflects a personal customer-experience perspective and is not a technical interpretation, regulatory opinion, credit recommendation or assessment of any particular bank, UPI application or credit product. April 11 as Digital Transactions Day is a proposal.

 

The Joy of Digital Transactions

Nayakanti Prashant
3rd Gen Banker & Citizen Lobbyist – Bengaluru
Advocating Digital Transactions Day (April 11)

Author’s Blogs

https://prashantrandomthoughts.blogspot.com
https://prashantnepayments.blogspot.com
https://innovationinbanking.blogspot.com

 

 

 

Citizen Observation 64 of 777 | Amazon Ad in Paytm App | Can User Attention Earn Cashback?

 Published 14^th October 2026

Nayakanti Prashant
3rd Gen Banker & Citizen Lobbyist – Bengaluru

https://in.linkedin.com/in/prashantnayakanti

 

The Intro

I saw an Amazon advertisement appear when I opened my Paytm app, with a clear option to skip it.
It made me wonder: if my attention has value to an advertiser, could some of that value come back to me as cashback?

Could you also see the Advertisement?

The Trigger

The trigger for this observation was a full-screen Amazon Great Indian Festival advertisement appearing inside the Paytm app.

The user can either skip the advertisement or continue watching it.

That made me think about a different possibility.

What if Paytm offered an enhanced cashback reward to users who voluntarily watched the advertisement without skipping?

The idea is not simply to make users watch an advertisement.

It is to create a measurable value exchange:

Advertiser gets attention.
Paytm gets measurable engagement.
User gets cashback.

And behind the screen, the system could potentially generate useful MIS:

Ad shown → Skipped → Watched → Clicked → Converted

That could tell us something interesting—not only about advertising effectiveness, but also about whether rewarded attention can create better engagement.

The Prospective Audience

This observation could speak to a surprisingly wide audience.

The Paytm user — who may ask, “If I give my attention, can I earn something for it?”

The regular Paytm user — who may already be seeing such advertisements as part of the app experience.

The user who has not opened Paytm for some time — who may be encouraged to return if the word spreads that watching selected advertisements can earn enhanced cashback.

The wider digital audience — who may begin to see attention itself as something that can have measurable value.

And then there are two important professional audiences:

Advertising agencies — who could get a new model for measuring genuine attention rather than merely measuring an impression.

Brands — who could potentially pay for verified attention and engagement, while giving a part of that value back to the customer.

Perhaps the more interesting question is not:

“Can an advertisement earn Paytm money?”

but:

“Can an advertisement also earn something for the person who chooses to watch it?”

That, I think, is where CO64 begins.

Absolutely. We have the title, Intro, Trigger and Prospective Audience locked. Now let us build the remaining CO64 in the same established storytelling rhythm, while keeping the Paytm screenshot as the visual trigger and making the cashback proposition the central thought.

Act I — When My Attention Becomes the Product

I opened the Paytm app and encountered an Amazon advertisement occupying the screen.

There was a simple choice:

Watch or Skip.

That small choice made me think about something larger.

In digital advertising, an impression has value.
A completed view can have value.
A click can have value.
And a completed purchase can have even greater value.

But where does the value of the user's attention sit in this chain?

Today, the user generally receives the advertisement.

What if the user could also receive something in return for voluntarily giving the advertisement their attention?

Perhaps that is where cashback for verified attention could begin.

 

Act II — What If Attention Became a Measurable Reward?

Imagine a simple Paytm proposition.

The advertisement appears.

The user sees a clear choice:

SKIP
or
WATCH & EARN

If the user voluntarily watches the advertisement without skipping, an enhanced cashback could be credited—subject to clearly stated terms.

The interesting part is that this need not remain an unmeasurable promise.

The system could potentially record the journey:

Advertisement served
→ Skipped
→ Watched completely
→ Clicked
→ Converted

That creates a different kind of advertising measurement.

Not just:

How many people saw my advertisement?

But:

How many people willingly gave me their attention?

And perhaps an even more interesting question for the advertiser:

Did rewarded attention lead to better engagement?

The cashback would then not simply be a promotional expense.

It could become part of an attention-value exchange.

 

Act III — Can Three Participants Win?

This is where my observation becomes interesting.

Imagine three participants in the same digital ecosystem.

The Brand

Gets an opportunity to reach an already engaged audience and measure what happens after the advertisement is shown.

Paytm

Gets advertising revenue and a richer MIS on user engagement—skip rates, completion rates, clicks and potentially conversions.

The User

Gets something tangible in return:

Cashback for voluntarily giving attention.

Could this create a better equation?

Brand gets attention.
Platform gets measurable engagement.
User gets value.

And perhaps the real innovation would be giving the user a choice.

No forced viewing.

No hidden condition.

Simply:

If you choose to give your attention, should your attention have a value?

That is the question I would like to explore.

Closing Thought

A digital advertisement usually asks for one thing:

our attention.

Perhaps the next generation of digital advertising could ask a little differently:

“Would you like to watch—and earn?”

The interesting part would not be the cashback alone.

It would be whether a simple reward can transform an advertisement from an interruption into a voluntary value exchange.

Maybe attention deserves a seat at the value table too.

---

April 11 — Proposed Digital Transactions Day

Digital transactions keep evolving beyond simply moving money.

Here, the interesting transaction is different:

Attention → Engagement → Value

Perhaps April 11 can also be a moment to reflect on how digital experiences create value for the people participating in them.

The larger Digital Transactions Day advocacy continues separately at Move the Barrier.

Move the Barrier

CO777 observes.
Move the Barrier advocates.

April 11, 2016 is the UPI Beta Launch Day.

---

Disclaimer: This Citizen Observation is an independent personal observation based on the advertisement encountered in the Paytm app and the accompanying screenshot. The proposed cashback model is a citizen suggestion, not a claim that Paytm, Amazon or any advertiser currently offers or intends to offer such a mechanism. Any implementation would depend on the platform, advertiser, applicable terms, privacy considerations and relevant regulations. The measurement journey described above is a proposed conceptual model, not a statement about Paytm's current internal MIS or advertising systems.

 

 

The Joy of Digital Transactions

Nayakanti Prashant
3rd Gen Banker & Citizen Lobbyist – Bengaluru
Advocating Digital Transactions Day (April 11)

Author’s Blogs

https://prashantrandomthoughts.blogspot.com
https://prashantnepayments.blogspot.com
https://innovationinbanking.blogspot.com

 

Citizen Observation 63 of 777 | UPI 54 Pages Circular – P7 | My Face, My Fingerprint — Do I Stay in Control?

Published 12^th October 2026

Nayakanti Prashant
3rd Gen Banker & Citizen Lobbyist – Bengaluru

https://in.linkedin.com/in/prashantnayakanti

The intro

My partner recognises my face, even when I change my look.

But if I register my face for UPI payments today and grow a beard tomorrow, will my UPI app recognise me just as easily?

The Trigger

The trigger is Section 9 — Biometric Authentication, on page 14 of the UPI Consolidated Circular, Version 1.0 dated 18 September 2026.

The circular describes biometric authentication as a way to authenticate UPI transactions using biometrics already registered on the device, including fingerprints and facial recognition, as an alternative to the UPI PIN.

It also addresses device and security validation, user eligibility, explicit and informed consent, notifications when biometric authentication is enabled or disabled, and circumstances in which biometric authentication may become inactive.

What caught my attention was the possibility of using my face to authorise a payment.

I have not enabled biometric authentication for my UPI payments. So this is not a review based on extensive personal use. It is a citizen's question prompted by the circular.

My face changes. My appearance changes. A beard may come and go.

My partner recognises the person behind those changes.

Will my UPI payment journey be just as straightforward?

The Prospective audience

The UPI customer curious about biometric authentication.

The person considering face or fingerprint authentication instead of entering a UPI PIN.

The customer who wants to understand what they are consenting to, what happens when circumstances change, and whether they can continue to stay in control.

And perhaps, like me, the person who has not yet enabled this feature but wants to understand it before making a choice.

I am not approaching this as a technical expert or an experienced biometric UPI user.

I am approaching it as a customer asking a question about a familiar part of life: my face.

This is no longer merely a post about biometric authentication. It begins with something deeply familiar: the person closest to me recognises me even when my appearance changes. Can my digital payment journey give me the same confidence?

Act I — The Face My Partner Knows

My partner recognises me even when I change my look.

A clean-shaven face today. A beard tomorrow. Perhaps a different appearance a few months later.

The person remains the same. The appearance changes.

Now imagine registering my face for UPI payments today. If I grow a beard over time, will my UPI app recognise me just as easily?

It is a small, everyday question. But when my face becomes part of authorising a payment, the question feels personal.

Act II — When My Face Becomes Part of a Payment

Section 9 of the UPI Consolidated Circular introduces biometric authentication as an additional way to authenticate UPI transactions, using biometrics already registered on a supported device—including facial recognition and fingerprints—as an alternative to the UPI PIN.

Ref: The respective parts of UPI-Consolidated-Circular

I have not enabled biometric authentication for my UPI payments. I am not writing from extensive personal experience with this feature.

I am looking at it as a customer considering a possible choice.

My face is familiar to my partner. My fingerprint is familiar to me. But when either becomes part of my payment journey, I want to understand what I am enabling, what I am consenting to, and what happens when circumstances change.

The circular addresses several parts of that journey: device and security checks, eligibility, explicit and informed consent, notifications when biometric authentication is enabled or disabled, and the ability to opt out. It also describes circumstances in which biometric authentication may become inactive.

These provisions matter because authentication is not just about making a payment possible. It is also about knowing what I have chosen and retaining a meaningful say in that choice.

But one personal question remains open: if my appearance changes, will my payment experience remain straightforward?

I cannot answer that from the circular alone. And I do not need to pretend that I can.

Act III — Recognition Is Only the Beginning

Perhaps the more important question is not whether my face changes.

It is whether I understand the arrangement I have entered into when I choose biometric authentication.

Do I know how to enable it? Do I understand the consent being sought? Will I be notified when its status changes? Can I opt out if I no longer want to use it? And if it becomes inactive under the circumstances described in the circular, do I understand what I need to do next?

These are not questions I ask as a technology expert. They are questions I ask before making a choice that becomes part of an everyday payment.

My partner may recognise me through a beard, a haircut or the passing of time.

My phone's biometric system follows its own technical process. I should not assume that human recognition and device authentication work in the same way.

That is precisely why I want to understand the feature before enabling it.

Convenience matters. But understanding what I consent to—and knowing that I retain a choice—matters too.

Citizen Observation — The Question Behind the Face

The UPI Consolidated Circular gives biometric authentication a place in the payment journey. It also describes consent, notifications, opt-out and other safeguards.

My observation begins where the circular's provisions meet a customer's everyday curiosity.

I have not enabled this feature. I do not know from personal use how a change in facial appearance might affect my experience. The circular does not specifically answer my beard question either.

But the question deserves to be asked—not as a complaint, and not as a verdict on the technology.

When my face or fingerprint becomes part of my UPI payment journey, do I understand what I am choosing, what may change, and how I remain in control?

A familiar face may open the conversation.

The real destination is a customer who understands the choice.

Closing thought

My partner recognises the person behind my changing appearance.

When I consider biometric authentication, I want to bring that same human curiosity to my digital payment choices—not assume that a device recognises me in the same way, but understand how its authentication process works and what I have agreed to.

I may choose to enable it. I may choose not to.

Either way, the choice should begin with understanding.

April 11 – Proposed Digital Transactions Day

The April 11 connection — From a payment feature to a citizen's day

April 11 is proposed as Digital Transactions Day—an occasion to pause and reflect on how digital transactions are experienced by the people who use them.

That reflection need not begin with transaction volumes, new features or the speed of a payment. It can begin with a much smaller question: Do I understand the choice I am making when I pay?

Biometric authentication is one example. A face or fingerprint may offer an alternative to entering a UPI PIN. But a customer's journey includes more than the moment of authentication.

It includes understanding the feature, giving informed consent, knowing when its status changes, and being aware of the options available if circumstances change.

That is where this observation finds its connection with the proposed April 11.

Digital Transactions Day should invite us to look beyond whether a transaction can happen—and reflect on whether the citizen understands the journey.

Across CO777, each observation can open a different window into that journey: what I see, what I understand, what I know, what I can control, and what I can trace.

For CO63, the starting point is my face. The wider question is the same one that runs through the series: am I an informed participant in my own digital transactions?

And Digital Transactions can be Financial or Non – Financial, depending on the need at the specific time.

Disclaimer: This is a citizen observation based on the UPI Consolidated Circular, Version 1.0 dated 18 September 2026, and a personal question about biometric authentication.

It is not a technical assessment or a claim that changes in facial appearance cause authentication failure. April 11 — Digital Transactions Day is a proposal.

 

The Joy of Digital Transactions

Nayakanti Prashant
3rd Gen Banker & Citizen Lobbyist – Bengaluru
Advocating Digital Transactions Day (April 11)

Author’s Blogs

https://prashantrandomthoughts.blogspot.com
https://prashantnepayments.blogspot.com
https://innovationinbanking.blogspot.com