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.

QR to Growth: How UPI Credit Cards Are Supercharging India’s Small Businesses

QR to Growth: How UPI Credit Cards Are Supercharging India’s Small Businesses

India’s Small Businesses—chai stalls, kiranas, salons, chemists—have gone from “cash only” to “scan and done.” The quiet engine behind that leap isn’t just UPI. It’s UPI + credit, especially when a RuPay Credit Card is linked to UPI. Together, they’re making payments simpler, cheaper, and more useful for the corner store as well as the […]

The Secret Life of a Credit Card – What Happens After You Swipe

The Secret Life of a Credit Card – What Happens After You Swipe

You’re at a café. You swipe your card for that perfect cappuccino. The barista smiles, the machine beeps, and your payment is “approved.” End of story, right? Not really. Behind that tiny beep is a whole adventure your money goes on. Let’s pull back the curtain. Step 1: The “Can I?” Moment When you swipe […]

Swipe Psychology – What Your Credit Card Habits Reveal About You

Swipe Psychology – What Your Credit Card Habits Reveal About You

Have you ever thought about what your credit card swipe says about you? Believe it or not, the way we use our cards isn’t just about money—it’s about personality. Let’s decode the psychology of plastic and understand what your credit card habits reveal about you. 1. The Points Hunter You’re the friend who never forgets […]

Swipe, Tap, Scan: India Hits a Record ₹1.94 Lakh Crore in Credit Card Spends (July 2025)

Swipe, Tap, Scan: India Hits a Record ₹1.94 Lakh Crore in Credit Card Spends (July 2025)

India just set a new monthly record for credit card spending. In July 2025, Indians spent ₹1.94 lakh crore on their cards—up from ₹1.83 lakh crore in June. That’s a 6% month-on-month jump and a 12% rise year-on-year. It’s the highest monthly spend Indian credit cards have ever recorded. What changed? Together, the story is […]

Is the RuPay Credit Card Better Than American Express and Visa?

Is the RuPay Credit Card Better Than Amex and Visa?

Imagine standing at your neighborhood kirana store, scanning a simple UPI QR and walking out with groceries — but instead of cash or debit, you just paid on credit. That’s the magic RuPay Credit Cards bring to the table. They’re the only ones today that let you link credit with UPI for everyday merchant payments. […]

Groceries to Gigs: Living on a UPI Credit Card

Groceries to Gigs: Living on a UPI Credit Card

I live by invoices and tea. Some weeks I shoot late and edit later. Other weeks I chase clients, not ideas. Cash flow arrives in waves. Expenses don’t. That’s the rhythm most freelancers know. A few months ago, I started running my routine on a UPI Credit Card—specifically, a RuPay Credit Card via Kiwi. It […]

Do RuPay Credit Cards Provide Lounge Access?

Do RuPay Credit Cards Provide Lounge Access? 

My flight was at 6:10 a.m., and I was running on four hours of sleep. The security line looked endless. I spotted the lounge sign and had the same thought everyone has: Please let my card get me in. I carry a RuPay Credit Card that I also use as a UPI-linked card for daily […]

Can I Use My Credit Card to Pay My Loan EMIs?

Can I Use My Credit Card to Pay My Loan EMIs?

You might be able to pay your loan EMI using a credit card, but it’s not guaranteed. It depends on whether your lender allows it and the payment method you choose. Even if it’s accepted, most lenders charge a convenience fee, and you may not earn any rewards. On top of that, carrying the EMI […]

India’s Credit Pulse 2025: What the Latest Loan Numbers Mean for You

India’s Credit Pulse 2025: What the Latest Loan Numbers Mean for You

India’s borrowing story is still growing—but it’s changing shape. Below is a walkthrough of what the newest figures say about loans, households, and day-to-day money choices. The big number: $2.05 trillion in outstanding loans As of December 2024, total outstanding loans in India were about $2.05 trillion. That’s up from the previous quarter, showing steady […]