Introduction The digital revolution has transformed various sectors around the world, and the financial industry is no exception. One of the most remarkable innovations in the realm of digital payments is the Unified Payments Interface (UPI) in India. Launched in 2016 by the National Payments Corporation of India (NPCI), UPI has rapidly gained popularity and revolutionized the way people in India make transactions. This article explores the structure of UPI and its significant impact on the Indian economy and the daily lives of its citizens. 1. The Structure of UPI UPI is a real-time payment system that facilitates instant money transfers between banks through mobile devices. Its structure is designed to be simple, efficient, and secure, providing a seamless experience for users. Here's how it works: a) Registration: To use UPI, individuals must have a bank account and a mobile number registered with the bank. They need to download a UPI-enabled mobile app from their bank or any ...
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