EP067 - Credit Line on UPI - In conversation with Sivaram Kowta, President - Banking, Zeta India

UPI is expanding at a remarkable pace, processing around 14 billion transactions each month. However, the introduction of Credit Line on UPI holds the potential to supercharge this growth, unlocking a staggering $1 trillion payment value opportunity by 2030. As part of our ongoing series on Credit Line on UPI, we sat down with Sivaram Kowta, President of Banking at Zeta India, to delve deeper into this game-changing innovation and its impact on the future of digital payments. In this episode, we explore: 💸 Credit Line on UPI: What it is and how it could unlock a $1 trillion opportunity by 2030. 💰Why banks, with their vast customer base and lower cost of funds, have the edge over fintechs in offering credit lines on UPI. ⚙️ Insights into the tech hurdles banks face in adopting credit lines on UPI 🗺️ How Zeta is leading the charge in solving these challenges with their innovative solutions Make sure to listen to the full episode for a deeper dive into these topics! Timeline 00:00 Start 00:45 Introduction 01:30 About Sivaram 05:14 $1 Trillion payment value opportunity 08:07 Bank’s right to win in Credit Line on UPI 14:56 Solving the discovery problem 17:28 Technology considerations 29:08 Zeta’s Credit Line on UPI offering 34:56 Commercialization models 36:47 Chak De India - Democratizing Credit With Credit Line On UPI 38:58 Contacting Siva

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