" The future of finance is not about banks or branches—it's about being where the customer is, and UPI has mastered that art. "  — Nandan Nilekani, Co-founder, Infosys Introduction In October 2024, India's Unified Payments Interface (UPI) achieved an unprecedented milestone that solidified the nation's position as the global leader in digital payments. With 16.58 billion transactions worth ₹23.49 lakh crores processed in a single month, UPI has not just transformed how Indian