🚀 Are there any recent advancements in Mobikwik's technology that could give it a competitive edge?

One MobiKwik Systems has been actively innovating and advancing its technology to maintain a competitive edge in the digital payments industry. Here are some recent advancements:

1. **Highest-ever Quarterly Payments GMV**: MobiKwik achieved its highest-ever quarterly payments GMV at Rs 38,388.2 crore in Q1 FY26. This significant milestone reflects the strength of its technology in facilitating high-volume transactions.
2. **Utilization of IPO Funds**: The company has effectively utilized Rs 214 crore of its net IPO funds as of June 30, 2025, for business growth and R&D. This investment is crucial for sustaining and enhancing its technological capabilities.
3. **Strategic Product Focus**: MobiKwik has discontinued its smaller-ticket Zip loans and is focusing on longer-tenure Zip EMI products. This strategic shift aligns with market trends and customer preferences, leveraging technological advancements to offer more sustainable and profitable services.
4. **Operational Efficiency Improvements**: The company has reported an improved Q1 EBITDA, indicating enhanced operational efficiency. This improvement is likely a result of technological optimizations that streamline processes and reduce costs.
5. **Market Position and Innovation**: Mobikwik's commitment to simplifying finance and empowering users across India underscores its strong market presence and innovative approach to digital finance. The company's focus on user empowerment and market simplification through technology is a key competitive advantage.

In conclusion, One MobiKwik Systems' recent advancements in technology, strategic product focus, and operational efficiency improvements position it well for maintaining a competitive edge in the digital payments industry.