GoKiwi

Fintech

Fintech – Navigating India’s Financial Technology Revolution

At GoKiwi, we simplify the fast-moving world of fintech so you can use it to your advantage. In this category, we explore how technology transforms personal finance, banking, credit, lending, and more. From new-age apps and neobanks to UPI-linked credit cards and AI-powered finance tools, we cover every innovation that’s shaping how India manages money today.

We break down complex fintech trends into simple, easy-to-understand guides. You don’t need to be a techie or a finance expert to understand how digital lending works or why RBI is pushing for tokenization. Our job is to explain it all in a way that helps you make smarter, more informed financial decisions.

We cover the full spectrum of fintech in India. Whether you want to understand how credit scoring works, explore how BNPL (Buy Now, Pay Later) apps affect your credit report, or compare the top digital savings platforms, our blogs give you clear, unbiased insights. We track emerging startups, RBI regulations, government-backed innovations like ONDC and OCEN, and global trends that are shaping the Indian fintech space.

You’ll also find in-depth content on how fintech intersects with UPI, RuPay, credit cards, digital wallets, and financial inclusion. Want to know how to automate your savings? Curious about using AI to manage expenses or how account aggregators work? We’ve got detailed explainers that turn industry jargon into practical advice.

We pay special attention to fintech products that impact everyday users. If you're using apps like CRED, Jupiter, Fi Money, Paytm, or PhonePe, we show you how to get more value from them. Our reviews focus on user experience, benefits, transparency, and hidden costs—so you can choose tools that actually work for you.

We also stay alert to RBI’s latest guidelines and explain what they mean for you. Whether the regulator launches a new digital lending framework or updates KYC rules, we translate that news into clear action steps for your financial life.

Security matters in fintech, and we treat it seriously. We guide you on setting up secure accounts, identifying fraud attempts, and using apps responsibly. We also highlight trustworthy fintech startups that follow good data privacy practices and ethical lending standards.

Our goal is to help you use fintech to grow your wealth, not just manage it. Whether you're investing through robo-advisors, borrowing smartly, or managing your credit digitally, fintech gives you powerful tools—and we show you how to use them right.

At GoKiwi, we believe fintech should empower everyone—from a first-time borrower in a tier-2 city to a salaried professional managing multiple credit lines. Our blogs don’t just explain fintech; they help you put it to work in your daily life.

Explore this category to learn, compare, and stay ahead of the curve. The future of finance is digital—and it’s already here.

UPI Transaction Limit Per Day: Latest UPI Limits in India

UPI transaction limit rules matter when you are paying rent, clearing a bill, shopping, sending money, or using a RuPay credit card on UPI for everyday merchant payments. In most cases, the standard UPI limit is up to ₹1 lakh per day. But the actual limit you get can change based on your bank, UPI […]

Credit Score and CIBIL Score

Difference Between Credit Score and CIBIL Score

The difference between credit score and CIBIL score is simple: a credit score is the broader term, while a CIBIL score is one type of credit score issued by TransUnion CIBIL. For Indian credit card users and loan applicants, both terms are often used in everyday conversations. But they do not mean exactly the same […]

PhonePe Transaction Limit

PhonePe Transaction Limit Per Day

PhonePe transaction limit is one of the first things Indian UPI users check when a payment fails, a transfer gets blocked, or a high-value payment has to be split. In most cases, the standard UPI limit on PhonePe is up to ₹1 lakh per day, with a maximum of 20 UPI transactions in a day. […]

Secured Credit Cards

Secured Credit Cards: Meaning, Benefits, Eligibility and How They Work

Secured Credit Cards can be useful for first-time credit card users, students, freelancers, homemakers and people rebuilding their credit profile. They work like regular credit cards, but are backed by a fixed deposit or another cash deposit that acts as security for the card issuer. If you have been rejected for a regular credit card […]

Revolving Credit

What is Revolving Credit and How Does It Work?

Revolving credit is a reusable borrowing facility that lets Indian consumers spend up to an approved credit limit, repay what they use and access that amount again. A credit card is the most familiar example. Unlike a regular loan, you do not receive one fixed sum with a fixed repayment schedule. This flexibility can make […]

Credit rating agency

Credit Rating Agencies in India

Credit rating agencies in India help investors, banks, lenders, companies, and regulators understand credit risk. In simple terms, they assess how likely a borrower or issuer is to repay debt on time. Their ratings are used for corporate bonds, bank loans, commercial paper, fixed deposits, securitised debt, municipal debt, and other financial instruments. For everyday […]

Credit Score Calculation

How Is Credit Score Calculated?

How is credit score calculated in India? Credit bureaus use the borrowing and repayment details in your credit report to estimate how likely you are to repay credit on time. For Indian borrowers, the score usually ranges from 300 to 900. A higher score generally suggests lower credit risk, but every lender makes its own […]

APR in Credit Card

What is APR in a Credit Card?

What is APR in credit card usage, and why should Indian credit card users care about it? APR stands for Annual Percentage Rate. It is the yearly rate used to show the cost of borrowing money on your credit card when you do not pay the full bill by the due date. In simple words, […]

Good Credit score

What Is a Good Credit Score? A Simple Guide for Indian Users

A good credit score is usually 750 or above in India, especially when you are applying for a credit card, personal loan, or other unsecured credit. A score between 700 and 749 can still be considered good by many lenders, but 750 and above generally gives you a better chance of smoother approvals and more […]