Wire · technology
NPCI working with banks, UPI apps to strengthen user privacy
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Fusion42 · 28 July 2026 · Fusion42 review
India's NPCI has mandated UPI apps and banks mask customer phone numbers and shift to username-based default IDs by 4 September, implementing the Digital Personal Data Protection law following privacy complaints from women users.
This Wire brief sits within Fusion42's coverage of Payments. Wire is Fusion42's founder-focused intelligence feed: each story is connected to the funds and startups it names — every one with a live profile on Raise or Scout — so founders can follow the capital and the momentum behind the headline rather than just the headline itself. Wire analysis is one of the live surfaces Arthur reasons over.
◆ ◆ The Wire takeaway
UPI app operators and Indian banks must redesign their customer interfaces by 4 September—phone numbers vanish from transaction screens and default IDs flip from mobile to username. Your backend reporting, customer notifications, and QR code flows all need rebuilding in the next 37 days, and this is non-negotiable.
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