How is digital finance evolving across urban India? A new report highlights some interesting shifts in how people pay, borrow, and manage money. 💳 The *How Urban India Pays Report 2026* finds that 52% of users prefer a single app for payments, investments, insurance, and credit, reflecting demand for a more integrated financial experience. Tier-2 cities are emerging as key markets, leading in BNPL usage at 60% and credit applications at 41%. Meanwhile, 23% of gig workers say digital loan apps would be their first choice during a cash crunch, even as actual digital credit adoption remains lower than awareness. For businesses, digital payments are linked to reported efficiency or sales gains for 79.5% of respondents accepting them. However, settlement delays remain a concern, cited by 72.1% of businesses hesitant to adopt digital payments. From everyday UPI transactions to financial services for gig workers and senior citizens, the findings highlight how digital finance is shaping c...