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The Economic Times

Rohit Kumar Singh

Apple Pay’s India launch shows how RBI’s outcome-based regulation lets technology evolve

RBI Apple India UPI

Apple Pay arrived in India on September 30, 12 yrs after its global debut. Headlines focused on Apple. But the real story is RBI. The door opened not with a commercial breakthrough but with a regulatory one.

For years, a card payment in India effectively meant an OTP. A wallet built on Face ID and Touch ID had no natural place in that framework. Today it does. And that shift deserves more attention than the launch itself. Now, customers can pay on iPhones, iPads and Apple Watches with a glance, touch or device passcode. No OTP.

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