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The Product Development and Management team at NPCI is responsible for designing, developing, and enhancing innovative payment products and solutions that drive the growth of digital transactions across India. This team collaborates on key initiatives like UPI, RuPay, and BHIM, ensuring alignment with user needs and regulatory standards while also exploring international product opportunities to expand NPCI's reach. Through comprehensive market analysis and strategic product management, they aim to enhance user experience and foster financial inclusion.