Are you an Android developer? Help me and @logic understand the decompiled code for the @NPCI_BHIM application: https://t.co/lXYggbLg3K
— Nemo (@captn3m0) January 24, 2017
This Birds of a Feather (BOF) session will touch upon issues surrounding the technology and future of UPI:
1. Who has access to UPI APIs? Why is access not public?
2. If payments is a function of API calls and operating backends, why not community based PSPs powered by FOSS along the lines of cooperative banks?
3. UPI is mobile first. When is it coming to desktop / web? Can it cater to online micro-payments market? Can we have flatter clones using UPI?
4. Where does Android Pay, Apple Pay, Samsung Pay, MiPay fit in within UPI ecosystem? Will UPI depend on devices at all in future? Possible hardware innovations alongside UPI?
5. Centralization of transaction data at NPCI is a risk. Can PSPs use / sell transaction data to profile customers? Would this lead to predatory lending? How should PSPs be regulated around data, privacy?