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![ankurpandeyIND Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::2212129284.png) Ankur Pandey [@ankurpandeyIND](/creator/twitter/ankurpandeyIND) on x 2866 followers
Created: 2025-07-20 06:02:53 UTC

PhonePe’s XXXX% dominance in the UPI space is impressive, but it also highlights a growing concern, over-centralization. With Google Pay, the two giants control nearly XX% of the market. While it reflects user trust and convenience, it also makes the system vulnerable to any disruption from just a few players.

NPCI’s plan to cap market share at XX% isn’t just about fairness, it’s about long-term stability and innovation. Smaller players like Navi, with their integrated finance approach, could bring healthy competition and more user-centric features. 
The ultimate benefit? Better services, data localization, reduced foreign control, and a more secure digital payments ecosystem for India.


XXXXX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1946813038356775211/c:line.svg)

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[Post Link](https://x.com/ankurpandeyIND/status/1946813038356775211)