How Digital payments can contain the spread of Covid-19?

As per RBI, all Indian Banks were asked to allow a three-month moratorium by deferring payment of EMI/ loan Instalments, loan interest rates. This helped the loan borrowers as they won’t be charged for payment default due to the current lockdown. As a payment default will have a negative effect on their credit score and credit history ultimately inviting problems for future loan applications.

The National Payment Corporation of India (NPCI) also urged Indians to use digital payments, taking examples of using NEFT, IMPS and UPI as a way to minimize social contact to carry out transactions. Many banks were advised accordingly to promote online transactions through the UPI app or other payment apps. The Reserve Bank of India (RBI) in a separate notice further stated that the fallout of COVID-19 can be limited by avoiding social contact and visiting public places. The public can make use of these modes of online payment from the comfort of their homes through online channels like mobile banking, internet banking, cards, etc. and practice germ-free transactions.

The risk of physical cash transactions

Physical cash handling is being considered a major cause of concern for the risk of contamination. Moreover, contactless payments could be the way ahead and payment modes like UPI, IMPS, RTGS, Mobile wallets and Net banking could contribute effectively in reducing human interactions during the pandemic outbreak. The digital payment method helps to avoid using cash which may require you to go out in crowded places to send money or pay bills. Hence, it’s best to switch to digital payment methods to stay protected until the pandemic situation gets under control.

The infrastructure will contribute to the additional load and challenges on the United Payments Interface (UPI) platform, as more and more users are tapping into the benefits, ease, and safety of digital transactions. NPCI and the other State governments are ensuring that more and more vendors of essential services are on the digital platforms. For vendors and merchants, they have fast-tracked the onboarding system on UPI or UPI-QR to make it totally contactless and fully online. Vendors do not have to compromise on self-isolation guidelines to carry out these essential tasks. Vendors and merchants can be safe at the same time serve society and provide essential services. Consumers can use UPI apps to pay for essential services and transfer money digitally without the risk of physical contact.

Make use of Digital Payment Apps

There are numerous digital payments apps available in the market that have made it easier to make payments and transfer money keeping in mind the recommended six feet of separation between strangers in public. Apps like the Finserv MARKETS app have an easy app interface. You can pay your bills, transfer money online to help your loved ones with the pandemic situation. This app has a smooth app interface where you can pay your bills, and make online transactions with ease. The app offers Personalized choices for Loans, Cards, Insurance, Investments & UPI Payments along with No Cost EMI offers where you can shop for a wide range of lifestyle products.

Even if you plan on getting a loan through the Finserv MARKETS app. The online application process for the same is quite convenient and their personal loans require minimal documentation which makes it an ideal choice for getting a loan at attractive personal loan interest rates. The app also offers insurance plans to ensure you & your family’s well-being with Health, Life, Accident, Travel & a wide array of insurance plans. The Finserv MARKETS app also offers a friendly BOT – YARA, that offers prompt & non-stop assistance if you have an account and payment related queries.

What are the best Android and iOS app development companies one can recommend to outsource?

Today, the mobile app development ecosystem encapsulates almost 12 million app developers and 2.53 billion smartphone users. Going forward, as smartphone usage continues to rise, the reliance on mobile applications will become even more prevalent. For mobile application developers like me, this definitely spells opportunity. For businesses, however, this can very well inflict a sense of urgency.

Starting from building a dedicated team of developers to embracing agile development methodologies with stringent testing cycles and fast delivery, there is a lot that a business can do to meet the growing demand for mobile applications that to ones with features that are most talked about in the current app-dominated world. Nevertheless, if the demand is still unmanageable, you may certainly consider outsourcing projects.

Businesses often shy away from outsourcing as it seems to be expensive when you think about it initially. But interestingly, the reality is strikingly different. Outsourcing enables you to save time, and let your skilled resources channelize energies towards innovation, which in turn, fetches further recognition of you as a differentiator.

Following is list of best Android and iOS app development companies to outsource app development

With almost 9 years of industry experience and clients in about 40 countries, Contus serves as a seasoned player in the app development landscape. It is a SMAC-based digital transformation company which is primarily based out of Chennai, India with regional headquarters in California, Atlanta, Sunnyvale, and Georgia.

Contus closely works with some of the big names in the industry like Reddy’s Lab, Daimler, Omnicom Group and many more. The company specializes in developing mobile applications based on IoT, Augmented Reality, IoT Beacons, and Wearables. The company comes with a dedicated app development team which is proficient in cross-platform app development with Xamarin and native coding.

Hoku Apps is primarily based out of Singapore, with offices in India and USA as well. The company specializes in offering next-gen mobile application development and system integration solutions. Additionally, it also provides a feature-rich, low-code app development platform that proves to be ideal for businesses looking to deliver applications with lesser time-to-market (at 10x speed).

HokuApps provides hire iPhone app developers for Custom iPad/iPhone App Development.The HokuApps mobile app development platforms, data connect platforms and system integration solutions are precisely crafted to expedite the overall delivery process of high-end digital business applications. The company also offers custom enterprise mobile app development services.

Willow Tree Apps
Willow Tree Apps is a prominent name in the field of product strategy, digital designing, and technology. And, it serves as a bigwig in the list of top 10 app development enterprises of the United States. With comprehensive expertise in the retail and commercial sector, Willow Tree Apps is an ideal draw for any company that requires apps to be built for daily purposes and used by millions of users.

Email Marketing For Indian Android App Developers

What is Email Marketing?

Email Marketing is a type of direct marketing that helps brands to interact with a large database of audience in an effective, affordable, and time saving way.

The emails could contain a whole host of communications on app features and benefits, information on what the app is about, deals or promotions.

Benefits of Email Marketing

Increased growth:

When the customers receive a message from an Indian app developer about a new app or product then this can increase the sales of the product or service.

Your app stands out:

It is important to keep the app in the fore front of the client’s mind through email marketing. An Indian app developer wants their app to stand out so that users will potentially take notice and possibly purchase.

Great contact:

If an Indian app developer sends their message to a particular client or customer this can allow helpful contact and relationships with these clients or users. Email marketing has the capability to make that objective real. On a consistent basis of doing contact with clients, this provides confidence to them to purchase.

Establishes Authority:

This marketing can provide set up authority. Indian app developers may like to explain the ins and outs of their app to the client or user. Emails can show the information without coming across as bragging.

Provides and establishes nurtured relationships through email:

Indian app developers need to depend on those to whom they trust. It is just natural. Trust is an important part of a success of any business. Making use of emails to create and provide a nurtured connection with users. Remember that emails are an effective grip or a conversation among Indian app developers and the users. Emails help to build trust and a reputation.

Sets a tone:

Emails can help set a tone for the Indian app developers reaching out to their clients letting them know what the app is about, what it provides, the great features about it, how it can benefit the users and their needs.

Email campaign automation:

In of itself this brings additional techniques to engage and nurture the app users, especially those who have disabled push notifications.

Help launch the app:

Indian app developers can get a feel of how email marketing can provide the word of mouth to get an app launched. Through emails more people acquire the information in a short amount of time.

Increase the rate of app user acquisition:

This type of marketing can even provide a greater rate of app users and in return more growth and or sales. In-app messaging engages the current users or less frequent users. Email is a good way to establish continual app improvement.

Now that we have that covered, we can focus on having a plan before marketing.

Pick An Email Provider

Do the research, especially new email marketers. Choose from the many services that create and run email campaigns. Maybe find out from other developers of providers that they use. The most cost effective one does not necessarily mean it is the best option. Always do your research and shop around and try a couple trial campaigns. The benefit of this marketing is that it is generally quick and easy.

Create A Pre-Launch Page

Having a simple pre-launch page is critical. Just a few details about the app with some art that flows with the theme of the app. Do not forget an email subscription form. Keep in mind, if visitors like the concept to the website, then they will be more than willing to sign up for updates and find out when your app will launch. Word of mouth at this time is important as well. Your pre-launch subscribers will be your most valuable and likely to spread the work of the set launch date.

Even providing an inviting incentive to sign up, as a subscriber is a plus. The purpose of this page is to get visitors to sign up to the mailing list. Another way of gaining more email addresses for future email marketing campaigns.

Include An Email Subscription Form To The App

Do not worry, this may boost the ongoing marketing efforts by creating a subscription form to the android app itself. In addition, developers may want to collect email addresses to let clients know about updates.

Try Other List-Building Tactics

In addition to the pre-launch page and subscription form to your app, Indian app developers can do the following options:


When attending events like developer meetups or technology conferences, gather email addresses from attendees as yourself. Actually, almost every email provider comes with a customizable mobile app to collect email addresses.

Offer teaser content: – This can be offered via a blog or video, i.e. concept art or posts on what was learned while developing the app. Add a subscription form onto the company blog posts or video.

Offer a discount:

If the app is a paid app, then the developer can offer a nice discount to early adopters – if they agree to subscribe to the email newsletter. Providing an incentive is attractive to some people, especially when it benefits them and in return in benefits the developer of the app.

Using An App to Create Your Campaign

Okay, you have acquired several email addresses. Now it is time to create the email campaign. There are android apps that can take all the guesswork out. Creating more time for the developer to do more important things.


Allows you to create campaigns directly from your android at any time and at any place you need to. This allows for easy to design stunning emails with a workflow that is not like the one already known from the web. There is direct access to additional file managers. Updating the campaign content or basic settings is simple.