The Shift in Credit Consumption: UPI vs Cards in the ₹2,000-5,000 Segment
Credit card volumes rose 28.1% as average transaction values fell 17.4%, signalling a shift toward low-ticket credit via RuPay-on-UPI and new merchant dynamics.
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IOB and novio Launch FD-Backed RuPay Card for Credit Inclusion
Indian Overseas Bank and novio launch a co-branded RuPay credit card focused on FD-backed onboarding for new-to-credit segments.
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