Hi there! I’m Rahul 👋

Apple Pay went live in India on 30 September 2026, with Axis Bank as the first and currently only issuing partner. The consumer story has been covered everywhere. The parts worth a developer’s time are different: the regulatory change that finally made this possible after twelve years, and the small but easy-to-botch piece of integration work it drops on your plate. What actually launched Cards: eligible Axis Bank Visa and Mastercard credit cards only. No RuPay. No debit cards announced at launch. Where it works: contactless terminals in-store, in-app, and on the web. Payment service providers live at launch: BillDesk, Cashfree, Juspay, Mswipe, Paytm, PayU, Pine Labs, Razorpay (Worldline also reported). Merchants named by Apple: Apple Store locations, Blinkit, Chaayos, Comet, Croma, Interflora, Ixigo, Le15 Patisserie, Reliance brands, Tata 1mg, Zomato. Devices: iPhone, Apple Watch and iPad at launch. Mac support is listed as “coming soon” — check Apple’s page for exact model and OS requirements. Notably absent: HDFC Bank, ICICI Bank and SBI Card, reportedly still negotiating commercial terms. Apple is said to be seeking around 20 basis points per transaction, which is the actual reason your bank isn’t on the list. ...

If you’ve spent any time managing software projects — coordinating sprints, juggling stakeholders, firefighting scope creep — you already know that technical skills alone don’t guarantee project success. That’s exactly where the Project Management Professional (PMP) certification comes in. PMP Isn’t Just for “Project Managers” The PMP certification, governed by PMI, has become the global benchmark for project leadership competency. For IT professionals — tech leads, engineering managers, scrum masters, delivery leads — it validates something résumés rarely capture: the ability to deliver projects predictably, manage risk, and align technical work to business outcomes. ...

In a rare and candid conversation with Nikhil Kamath, Elon Musk stripped away the glamour of billionaire status to reveal the raw, mechanical truths of building a business. For entrepreneurs—especially the ambitious generation currently building in India and abroad—Musk’s advice wasn’t about “growth hacks” or “scaling fast.” It was about the fundamental physics of value creation. The Golden Rule: Make More Than You Take Musk’s core philosophy is deceptively simple: “Aim to make more than you take.” ...

I have been reviewing technologies available to build chatbots using the Microsoft platform. The client is particularly using Microsoft platforms in the company so they preferred to use the Microsoft stack. Here are some of the options available in the MS stack. Microsoft provides two frameworks to build bots or chatbots. Microsoft bot framework power virtual agent Both Microsoft Bot Framework and Power Virtual Agents are capable tools for creating conversational agents or chatbots. However, there are some differences between the two ...

Hi, I’m Rahul Bagal. I’m a tech-lover & co-founder of IncubXperts, a technology services company. We help businesses build, maintain and enhance their software products/applications Information Technology is my passion and I love to explore various technologies and domains. Apart from technology and programming, I try to keep myself fit by doing cycling, gym, hiking and choosing the right food to eat. You can read my travel and photography related experience on my blog iphotic.com. ...