Key disruptors: UPI’s global rise, neobanks (Jupiter, Fi), and blockchain pilots.
Regulatory enablers: RBI’s sandbox, Account Aggregator framework.
Challenges: Cybersecurity risks, digital divide, and profitability pressures.
Using RBI data, fintech surveys, and global benchmarks, the study provides a roadmap for traditional banks to compete in the digital era.
Compare UPI with Brazil’s Pix/EU’s SEPA Instant.
Audit a neobank’s app (e.g., Fi) for UX/security.
Propose an solution for rural banking inclusion.
