India’s rapid shift toward a digitally mediated financial system has delivered gains in efficiency, inclusion, and transaction speed. At the centre of this transformation is the Unified Payments Interface, now processing billions of transactions each month and functioning as the backbone of retail payments. This architecture improves access and reduces friction, but it also concentrates operational dependence within a tightly connected system where vulnerabilities can scale q

In MSMEs, digitisation fails when it asks for faith. Start where it offers relief. This is the point where many leaders make the costliest mistake: They treat digitisation like a “big bang”. ERP rollout. Full automation. Everything at once. And then they act surprised when the company rejects it. Let me say it plainly: Most MSMEs don’t fail at digitization because of technology. They fail because of adoption. Which Seat? Inherited seat: you’re under pressure to “make it moder