The National Payments Corporation of India (NPCI) is an umbrella organization for retail payment systems in India, established by the RBI and IBA in 2008. It offers services like IMPS, RuPay, UPI, NACH, and BBPS, facilitating seamless transactions across the country. NPCI's target audience includes banks, merchants, and consumers. Its unique selling proposition is providing a robust, efficient, and accessible payment infrastructure, enhancing financial inclusion and promoting digital payments. NPCI's innovations and collaborations with international networks make it a leader in India's retail payment sector.