In the last decade, the way we pay for goods and services has changed more than in the previous fifty years. From standing in long queues at banks to completing a transaction with just a tap on our smartphones, mobile payments have become an integral part of daily life. India, in particular, has been a frontrunner in this transformation, thanks to innovations like Unified Payments Interface (UPI) and digital wallets. But what’s next? Where are mobile payments headed in the future? Let’s explore. The Rise of Mobile Payments The journey of mobile payments started with simple SMS-based transfers and evolved into wallet-based apps like Paytm, PhonePe, and Google Pay. The real game-changer, however, was UPI , launched by the National Payments Corporation of India (NPCI) in 2016. UPI made sending and receiving money as easy as sending a text message. With its instant, 24/7, and free transaction model, it quickly became the backbone of India’s digital economy. In 2025, UPI processes b...
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