innovationinbanking

    ✈️ Executive Summary: Refund Clarity & Passenger Trust Submitted by: Nayakanti Prashant, Citizen Advocate – Safe ePay Day Date: 29/11/2025 🎯 Purpose To strengthen transparency, reduce refund delays, and empower passengers in India’s civil aviation ecosystem by enhancing clarity in Free Look-In rules , refund timelines , and Credit Shell practices , supported by a DGCA oversight dashboard . 🔑 Four Pillars of Reform 1. Free Look-In Clarity Problem: Passengers often misunderstand eligibility, leading to disputes and stress. Solution: Standardised ticket wording: Eligible: “This ticket is eligible for the 48-hour Free Look-In window until [Date/Time].” Not Eligible: “This ticket is not eligible for the 48-hour Free Look-In window as the travel date is within 5 days of booking.” Impact: Reduces refund-related queries by 20–25% Protects vulnerable passengers (elderly, f...

  December 28 — Proposed State Observance Visionary Entrepreneurs Day — Dream • Build • Lead ( Ratan Tata Museum Dream – Day 4 of 7) ⚖️ Disclaimer A citizen-led public appeal posted independently, with no official affiliation to the Government of Andhra Pradesh or RTIH. This post reflects a simple belief: A State that honours values, honours its future. Declaring April 11 as Safe ePay Day — read all appeals: movethebarrier.blogspot.com/April11   Appeal No. 116 — 33 Days to Go | Shri Ratan Tata Birthday Appeal No. 116 calls for declaring December 28 as Shri Ratan Tata Birthday Observance Day, inspired by Nara Lokesh 's commitment to women's empowerment.   📘 Opening Reflection — Andhra Pradesh in a Deeper Moment of Alignment Some moments in a State’s journey emerge quietly — not with slogans, but with sincerity; not with noise, but with direction. Today, Andhra Pradesh stands in such a moment. A moment where: youth ambition is r...

    Dharmendra Ji — Thank you for the memories and the magic   A Cinematic Memorial Intertwined With India’s Digital Payments Journey (Disclaimer: These are purely my personal views and reflections.) On 24 November 2025 , India lost one of its most beloved stars — Dharmendra , the gentle giant who stood as both a cinematic icon and a cultural symbol for over six decades. His passing feels like the end of an era — an era of warmth, simplicity, action, romance, humour, and above all, humanity. Yet amidst the nation’s grief, there stands another reality: India today is stronger, more connected, and more digitally empowered than ever. This memorial piece blends two worlds — the world of cinema Dharmendra shaped, and the world of digital payments India has embraced. A Tribute to Dharmendra: How India’s Cinematic Legend Mirrors a Nation’s Digital Journey A heartfelt personal tribute to veteran actor Dharmendra, blending cinematic nostalgia with India’s evolving ...

  How a quiet revolution changed the heartbeat of Indian banking   Fifteen Years of IMPS : How India Made Payments Instant and Secure From a 2010 launch to hundreds of millions of monthly transactions — a 15-year look at IMPS and India’s journey to instant, trusted ePayments   The Opening - At 6:02 a.m., India is already awake. Fruit vendors on the outskirts of Nashik arrange their baskets under a grey-blue sky. A designer in Bengaluru taps her keyboard as the city lightens. A fisherman in Kochi returns from the backwaters, ready to send money home. In each of these vastly different worlds, a familiar gesture repeats every second: a thumb unlocks a phone, digits are typed, and money moves — instantly, silently, and securely. A decade and a half ago, this moment did not exist. But on 22 November 2010 , deep inside data centres humming with electric precision, India’s banking nervous system expanded forever. A new switch came alive — IMPS, the Immediate Payme...