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By EquityPandit

EquityPandit

EquityPandit
TECHNOLOGY

NPCI, Fiserv to Launch RuPay API Platform

The National Payments Corporation of India (NPCI) has collaborated with Nasdaq-listed firm Fiserv to launch an application programming interface (API) for startups and banks trying to build credit card products on its RuPay card said, senior company executives.


They said this partnership would help faster and cheaper onboarding of customers and merchants by banks and allow fintech firms to build new models of digital interfaces for customers beginning RuPay credit card products. “NPCI is looking to expand credit issuance in India. Our tech stack on RuPay will support scalability for both banks and fintech. We have thousands of micro-APIs for the fintech organisations to code, apply, onboard and begin their services at scale.” Rishi Chhabra, head of India and Sri Lanka at Fiserv, said.


According to Nalin Bansal, the chief of corporate relationships and fintech at NPCI, the partnership with Fiserv will help RuPay build an ecosystem in its credit card products and attract more fintech firms to innovate and compare these offerings. The platform, called ‘nFiNi’, will support RuPay cards by offering services by the NPCI network and Fiserv with a set of APIs. This will help the digital user experience, allow push alerts for the app, mobile messaging app and SMS notifications, and instant digital card provisioning, letting customers transact instantly after approval of a RuPay card.

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TECHNOLOGY

Google Lays Off Hundreds in Android & Pixel Teams: Report

Dhruva Kulkarni

Google has reportedly laid off hundreds of employees from its platforms and devices unit, impacting Android, Pixel, and Chrome teams.

The layoffs follow Google’s January buyout offers to employees in the unit, as per reports. A spokesperson stated that the restructuring aimed to improve agility and efficiency, leading to job reductions alongside a voluntary exit program.

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Google has yet to respond to Reuters’ request for comment on the layoffs. In February, Bloomberg reported job cuts in Google’s cloud division, though only a few teams were affected.

In January 2023, Alphabet announced plans to reduce its global workforce by 12,000 jobs, which is 6% of the total.

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TECHNOLOGY

OpenAI Hits Back at Elon Musk with Countersuit, Alleging Harassment

Dhruva Kulkarni

OpenAI has countersued Elon Musk, accusing him of harassment and seeking a court order to block further legal action.

Musk, who co-founded OpenAI in 2015 but left before its rise, now opposes its shift to a for-profit model. OpenAI claims Musk has used press attacks, lawsuits, and takeover bids to disrupt its business and fundraising efforts.

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Musk’s legal team argues that OpenAI unfairly rejected a $97.4 billion takeover bid.

OpenAI insists Musk’s actions aim to hinder competition and seize control of top AI innovations. The lawsuit is critical to OpenAI’s for-profit transition, which it says is necessary to secure $40 billion in funding.

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TECHNOLOGY

Nothing Eyes Rs 1,000-Crore JV, Plans India as Global Export Hub

Dhruva Kulkarni

Sources said Nothing plans a Rs 1,000-crore joint venture with leading electronics manufacturers to establish India as a key global production hub. 

Talks with potential partners are in advanced stages, and once finalised, the company plans to invest over Rs 1,000 crore in a new facility for smartphones and audio products.

Currently, Nothing manufactures its smartphones through Noida-based Dixon and BYD India. CEO Carl Pei recently met key partners in India, highlighting the country’s growing role in global smartphone production. The company has also appointed co-founder Akis Evangelidis as president of India to drive expansion.

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Several Chinese smartphone brands, including Vivo and Oppo, are exploring similar joint ventures, aligning with the Indian government’s “Make in India” push. Dixon has already partnered with China’s Transsion Holdings.

Nothing was the fastest-growing smartphone brand in 2024, with 577% YoY growth driven by its Phone (2a) and CMF sub-brand. The company plans to expand its offline retail network to 12,000 stores in 2025 and is manufacturing its upcoming Phone (3a) series at BYD India’s Chennai facility.

With a strong presence in India and Europe, Nothing has sold over 7 million devices globally. Analysts say its growth strategy, pricing, and branding have helped it gain momentum as a rising challenger brand.

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TECHNOLOGY

Microsoft-backed Wicresoft to Exit China, Cut Jobs: Report

Dhruva Kulkarni

According to reports, Microsoft’s joint venture Wicresoft will shut down its China operations starting Tuesday, resulting in around 2,000 job cuts.

The decision follows Microsoft’s move to end outsourcing after-sales support in China to Wicresoft, raising concerns about how it will service local Windows and Office users.

The layoffs will mainly affect Microsoft’s outsourced team in China. Wicresoft has not commented on the closure. Microsoft is scaling back in China amid rising US-China tensions and competition from local firms like Kingsoft.

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Founded in 2002, Wicresoft was Microsoft’s first joint venture in China and operates globally with over 10,000 employees. Microsoft recently shut down a Shanghai lab focused on AI and IoT.

A screenshot of an internal email about the shutdown circulated online, but Microsoft denied it referred to its operations, clarifying that it was about Wicresoft.

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TECHNOLOGY

ChatGPT Can Create Fake Aadhaar, PAN Cards—But Here’s Why It’s Not a Big Concern

Dhruva Kulkarni

Less than two weeks after its launch, OpenAI’s upgraded image generator in ChatGPT has raised privacy concerns by creating fake government ID cards with Aadhaar and PAN numbers.

Users on X shared concerns about security risks and called for AI regulation after screenshots showed AI-generated ID cards with fictional details.

When tested, ChatGPT refused to generate Aadhaar or PAN cards, citing legal and ethical restrictions, but allowed the creation of parody-style badges and profile cards.

In a later test, ChatGPT placed an image in a PAN card template, asking about cropping and file format preferences. The output appeared AI-generated, with minor errors in text and design.

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Further refinements produced a more realistic-looking PAN card with placeholders for key details. Adding fake information made the final output more convincing.

Real Aadhaar and PAN cards have security features like holograms, QR codes, and microtext, which were absent in AI-generated versions, making them easy to spot as fake.

While these AI-generated IDs may not bypass KYC verification, scammers could still use them to deceive individuals. The increasing availability of AI tools with fewer restrictions raises further concerns.

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