New Delhi, March 9 -- The Indian payments landscape has been dramatically uplifted by UPI, which has become the backbone of instant, seamless payments for millions of citizens. With the introduction of credit lines on UPI, industry watchers are asking if this innovation can mirror UPI's runaway success or if it faces unique hurdles. While credit line on UPI is one of the most exciting financial offerings, it is debatable if it would reach the scale of UPI. This was the subject of a roundtable discussion organized by Mint in association with Pine Labs.

A key question in the financial sector is whether credit lines on UPI are merely an experiment, a strategic priority for banks and fintechs, or an inevitable evolution in digital finance. T...