Credit Card On UPI

When Credit Meets UPI

In 2023, the NPCI introduced a shift that challenged the core logic of UPI, the introduction of credit cards. While the industry framed it as a feature, I approached it as a system conflict. We were moving from a system where payments are always valid to one where they are conditionally valid. My role was to ensure users experienced the same level of ease they associated with UPI payments through bank accounts.

Application

Samsung Wallet

Samsung Wallet

Scope

Ecosystem & Platform Integration System Architecture & Logic

Industries

Fintech Digital Wallets Consumer Technology

Timeline

Q1 2023

Managing system changes
Problem framing
Semantic precision
Similar but Distinguishable
Beyond responsive ux
 The Payment flow
New logic
Closing the trust loop
Beyond UPI
Adaptability in a fast payment ecosystem

Reflection: In Indian fintech, policy defines the experience. No matter how refined the interface is, the system is shaped by governing bodies. As a lead, my role was to work within these constraints and translate them into an experience that feels intuitive and reliable rather than restrictive.