India’s digital payments sector is witnessing a new entrant with the introduction of Zoho Pay, a new unified payments interface (UPI) app from Chennai-based software company Zoho. This development matters because Zoho, a major SaaS provider and behind the homegrown messaging app Arattai, is moving directly into the mobile consumer fintech space, a domain long dominated by PhonePe, Paytm, and Google Pay.
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