India's Digital Payment Revolution
- JAM Trinity: The integration of Jan-Dhan Yojana (zero-balance bank accounts), Aadhaar (secure digital identity), and Mobile connectivity has laid the foundation for digital payments and Direct Benefit Transfer (DBT) in India.
- UPI Expansion: Launched in 2016, the Unified Payments Interface (UPI) has become a platform for over 21.70 billion transactions (Rs. 28.33 lakh crore) by January 2026, connecting more than 691 banks.
- Global Impact: According to the IMF, UPI is the world's largest real-time fast payment system, with a global share of approximately 49%, and is available in countries like the UAE, Singapore, France, and Bhutan.
- Digital Security Framework: From April 1, 2026, ....
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