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The Biggest Loophole of 2025 (So Far): When a Major Banks IT System Failed

I want to understand if there is a 'standard' for BBPS payments? When I make payment for my Axis credit card, the payment is settled, I receive email and text confirmation, Credit limit and App is updated all within less than five seconds, while any other Card's Payment takes 3-5 'working' days! to update, why this different process if they all are using the same platform!?
 
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