A Unified Payments Interface QR code at a shop in Kolkata, India, on January 19.National Payments Corporation of India
in 2008 to create more robust payment systems. As smartphone and internet use have grown in India, the NPCI launched United Payments Interface , which allows instant money transfers via mobile apps and QR codes, and has brought digital payments to nearly 300 million users, replacing debit and credit cards and enabling e-commerce growth in a country that has long clung to cash.
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