INTRODUCTION On a contemporary scale, India’s financial ecosystem has greatly evolved, accompanied by swift technological upgrades. One of the most important innovations influencing mass market participation is the Unified Payments Interface (hereinafter referred to as “UPI“). If in the distant past, digital payment was often restricted to the primary account holder, nowadays, UPI has gone…
Introduction India’s digital payment system has changed the way people move money. The success of the Unified Payments Interface (“UPI”) shows how easy it has become to send and receive money instantly. It has made digital transactions fast, secure, and available to millions. Yet what happens when the internet fails is a big question. In…
In the case of PhonePe Private Limited v. State of Karnataka & Ors. (W.P. No. 3757 of 2023), (GM-Police), pronounced on 29 April 2025, the Hon’ble Karnataka High Court (“HC”) was confronted with a critical question at the intersection of fintech regulation, privacy, and police investigative powers. BACKGROUND: THE REGULATORY FLASHPOINT PhonePe Private Limited…
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