How Contextual Approach towards Digitizing India deems to be success mantra!

Online Bill Payment through XPay Life. You can make faster, easier and secure payment for all multi-utility bills such as Electricity, Gas, Water, Postpaid Mobile bill, Landline, Broadband, DTH Recharge become easier with XPay Life.

The new technological advancements by the fintech companies have changed the functionality of the EBPP i.e Electronic Bill Payment and presentment in India. The payment sector was expanded and upgraded to the customer expectations including the ubiquity, user-friendliness, and secure payment channels. The customer behavior analysis and demographics suggest that more and more people are preferring the online digital modes for Vodafone broadband postpaid bill payment as well.

But there is another story to the ever-raging acceptance of the online bill payments in India. Post-demonetization in 2016, the country went through crusts and trust regarding the citizen acceptance of the cashless world. With only 14% of the physical cash in circulation, the importance for the need of the alternate infrastructures other than the smartphones and touchscreens were notably evident with most citizens stranded without any money even to pay their utility bills like adani power bill payment.

This mindset hinders Paying bills online like Postpaid Mobile Bill Payment Online as it comes with security issues, the invisible transaction of fluid cash, and overwhelming influx of complex technologies, internet service, and the unaffordability of smartphones. The main reason for this is the comfortability with the cash payment and fear for the complex technologies in the bill payment sector. To assist PAN India for the digital payment platform. XPay.Life is providing a multitude of payment options that tethers every person irrespective of the region and education status.

The customer behavior and the kind of innovation required for onboarding of the customers require advanced analytics. This fathomed enormous value for the bill payment sector and helped drive bill payment service providers with new frontiers of pervasiveness, efficiency, and reliability. But there is a right approach to reach the customers for Bill Payment for Gas or any other utility. Companies need to tap through the contextual approach.

What is the contextual approach?

According to the Google BCG report, 80% of the rural population and 35% of the urban population still prefers physical cash for bill payment. Even though the smartphone influx is greater but including the rural mass into the digital arena is quite a challenge.

India consists of 80% of the rural India that is under-tapped with proper electricity, internet, or another basic utility. The companies cannot provide online digital modes of payment here as people need uninterrupted internet service and expensive gadgets are a far-fetched dream. There is very little gained from just focusing on a software solution. The real value comes from building an infrastructure that can provide pervasive modes of payment and divergence of payment channels for bill payment like utilities like electricity, water, gas, DTH Recharge online and more.

XIPHIAS XPay Life Pvt Ltd provides a full spectrum of bill payment services through the website,, mobile application compatible with both Android and iOS devices, Bill Payment Kiosk, POS machines, and Mobile Vans.

The app and website is providing offers like Gas bill payment offers for more on boarders and sustenance of customers.

The mobile van is targeted to digitize rural India with the bill payment kiosk, mini-ATMs, and a vending machine. The vending machine dispenses free sanitary pads and condoms after each transaction. These vans will visit the remotest villages whenever the footfall is high,for eg during the weekly market and aid in bill payment. There is also the provision of a display of the latest government schemes through the television.

The touch screen POS machines bill Payment from XPay Life is intended to generate Employment as agents can collect the bill amount from the consumers by going to their front door.

Hence the contextual approach can bring in revolutionary ideas.

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