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Sonika Nagpal

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2026

The Impact of UPI Adoption on Financial Inclusion and Consumer Spending Behaviour in India

During the past decade, India has experienced a robust, dynamic and persistent growth in its digital payments, with the Unified Payments Interface (UPI) technology emerging as arguably as the most adopted retail payment method within the country. UPI enables instant, secured, and bank-linked transactions through mobile...

Sonika Nagpal, Amruthraj Vs · 0 citations

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