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RBI Payment Systems Report Dec 2025 – The Diminishing Joy of Debit Cards

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  Published: 19 May 2026 How many Debit Cards do you hold? When was the last time you swiped your Debit Card or inputted your Debit Card Number? Prologue — RBI’s Big Picture India’s digital payments story is no longer just a technology success story. It is becoming a civilizational shift. The newly released half-yearly Payment Systems Report, December 2025 by the Reserve Bank of India captures this transformation with extraordinary clarity. From UPI dominance and retail payment expansion to cross-border innovation and regulatory modernization, the report reads like a progress report of a nation rapidly moving toward a deeply embedded digital economy. Over the last decade, India’s payment ecosystem has transformed from a largely cash-and-card economy into a real-time digital network powered by smartphones, QR codes, APIs, fintech innovation, and public digital infrastructure. The report notes that payment transaction volumes surged 33 times between 2016 and 2025, while values ...
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MLFF Is Quietly Becoming India’s Highway Operating System — And the Road Is Changing Faster Than Most People Realize

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  Published: 16 May 2026          In the next couple of years, the Joy of Barrier Less Toll Plazas will be visible in all the major highways. The beginning has just been made. You will experience it soon, at a NHAI Highway near you. Be ready for the same.   Somewhere on an Indian highway, the toll booth is beginning to disappear. No barriers. No stopping. No exchange of cash. Just movement. But above the moving traffic, something else is quietly rising. Gantry systems observe. Cameras detect. Databases validate. Command-and-control centres reconcile movement in real time. And hidden inside the recently released MLFF consultancy and supervision documents lies a deeper signal: India may not just be modernizing toll collection. It may be building the early architecture of a digitally coordinated highway system. The now-closed RFP titled: “Consultancy Services for Supervision and Monitoring of Multi Lane Free Flow (MLFF) Tol...
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