In the fast-paced world of financial technology, few innovations have had as big an impact as the Unified Payments Interface (UPI). Launched in India in 2016 by the National Payments Corporation of India (NPCI), UPI has changed the way financial transactions are done, both within the country and internationally. Pavitra Pradip Walvekar, a Pune-based promoter-director of Kudos Finance and Investments Private Limited, explores UPI's incredible rise, its effects on the finance sector, its quick adoption, and its global popularity.
In January 2024, UPI transactions reached a new high, totaling Rs 18.41 trillion. This was a slight increase of 1 percent from December’s Rs 18.23 trillion. The number of transactions also went up, growing by 1.5 percent to 12.20 billion from 12.02 billion in October. In November, the transaction value was Rs 17.4 trillion with 11.4 billion transactions. Data from NPCI showed that January’s figures were 52 percent higher in volume and 42 percent higher in value compared to the same month last financial year.
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