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Nikunj Gundaniya

Product manager
Digipay.guru
Member since
27 Dec 2019
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Ahmedabad
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Followed by John Sims, Martha Boyle and 5 others you follow
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Nikunj's opinions

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Nikunj Gundaniya

Regulatory challenges in cross-border fees: How to stay compliant and competitive

Offering international remittance services helps you attract more customers and boost revenue. However, regulatory challenges in cross-border fees can create hurdles. Strict compliance rules, hidden costs, and changing laws impact your business. Staying compliant while keeping fees competitive is crucial. By addressing key regulatory issues, you c...

3 hours /payments

Nikunj Gundaniya

5 Key Features to Look for in a Closed-Loop Automatic Fare Collection System

Riders don’t care what kind of system you use. They care that it works and provides what they expect. They expect real-time updates, simple account management, and zero surprises. And public transit operators like you must adapt to meet these demands. That means fast, accurate, and intuitive tools that keep buses, trains, and riders moving. That’s...

4 hours /payments

Nikunj Gundaniya

How to choose the best virtual card provider for your business

Virtual cards have become an essential financial tool for modernized businesses. They have made digital payment solutions simple while offering security and convenience to their customers. Choosing the right prepaid virtual card provider impacts your business operations, customer satisfaction, and overall progress of your business. By understandi...

28 March 2025 /retail

Nikunj Gundaniya

Why white-label digital banking solutions are perfect for your business

If you want to offer fast, affordable, and transparent digital payment services to your customers, then a white-label banking platform is the best solution for you. Because building a platform from scratch might be time-consuming and costly for you. White-label digital banking solutions provide an efficient way to offer these services without b...

27 March 2025 /retail

Nikunj Gundaniya

What you need to know about merchant accounts

A merchant account is essential for businesses that accept payment. It acts as a bridge between customer payments and your merchant’s business bank account. When a transaction occurs, funds first enter the merchant account before reaching the bank. Having a merchant account for businesses like retailers and FMCG industries is very important. Bec...

21 March 2025 /retail

Nikunj Gundaniya

How white-label payment solutions empower banks and fintechs to scale services

As the world is emerging, people are getting busier; they expect instant transactions. Scaling your business operations can be challenging in a cutthroat world of digital payments. Your customers demand faster service and convenience. This is why you need a robust a white-label payment solution & platform. Additionally, building a solution fr...

19 March 2025 /payments

Nikunj Gundaniya

Understanding cross border bill payments: A comprehensive guide

Cross-border bill payments are very essential for today’s interconnected economy. Through the cross-border bill payments feature, your customers can pay utility bills or any kind of bills for their known ones staying abroad. For example, A father wants to pay the monthly bills for his child, who’s staying abroad. He can directly pay the bills wi...

13 March 2025 /payments

Nikunj Gundaniya

Beyond Cashless Payments: The Multifunctional Role of NFC Smart Cards in Events

Event organizers like you usually have to deal with two big challenges: running your events smoothly and creating experiences people won’t forget. But that’s often hard to achieve. What if one simple tool could do both? Yes, you read that right! And these tools are NFC smart cards. They are more than just a cashless payment method; they’re a gatew...

12 March 2025 /payments

Nikunj Gundaniya

Why does your bank need branchless banking system?

In the global economy, there is an emerging culture shift where the financial industry is changing at a very rapid speed, and this change is led by the digitization of processes. Individuals require banking services to work quicker with little inconvenience, and this is why institutions must change. That is why one of the adaptations can be the es...

10 March 2025 /inclusion

Nikunj Gundaniya

How Closed-Loop Payments Help Businesses Adapt to Changing Customer Expectations

The evolving customer expectations are always a challenge for even the most responsive retailers. Your shoppers simultaneously demand frictionless transactions, deeply personalized shopping experiences, and greater financial control. Delivering all these seems nearly impossible with conventional payment systems. Closed-loop payment ecosystems of...

27 February 2025 /payments

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Nikunj writes about

  • security
  • payments
  • retail banking
  • start ups
  • financial inclusion

Nikunj's opinion archive

  • 2025 (16)
  • 2024 (22)
  • 2021 (3)
  • 2020 (1)

Nikunj reads

  • Digipay.Guru
  • Scan N Thru
  • SwiftPay Guru
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