Unified payments interface: About Unified Payments Interface (UPI) and

About Unified Payments Interface (UPI) and its Features UPI powers multiple bank accounts into a single mobile application (of any participating bank), merging several banking features e.g., transfer of funds, etc. Learn how UPI, a system that integrates multiple bank accounts into a single mobile app, has transformed India's payment ecosystem with its speed, security, and versatility. Find out the latest statistics, features, and global expansion of UPI, the leader in real-time payments. We would like to show you a description here but the site won’t allow us. Abstract: The Unified Payments Interface (UPI) has rapidly emerged as a disruptive, low-cost digital payment infrastruc- ture that transforms mobile and merchant payments in India. This paper presents an in-depth empirical and technological analysis of UPI — its architecture, adoption trajectory, compar- ative performance across bank categories, and socio-economic impact. Using secondary data from industry reports (NPCI, RBI) and synthesized bank-level statistics for FY 2022–23, we apply ...