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Reimagining Financial Services
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Research Paper September 7, 2026

Beyond the Transaction: An Exploratory Audit of Non-Payment Service Journeys in Indian Banking Apps

India’s digital banking conversation has been, understandably, a conversation dominated by payments — transactions underpin economic activity that powers India. Unified Payments Interface (UPI) volumes, transaction success rates and debit reversal success rates, fraud liability and grievance redress in electronic transactions have absorbed much of the available regulatory and analytical attention.Yet a substantial share of […]

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Yutadhi is a Sanskrit neologism for joining or allying for a higher purpose

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