Emerging Trends in Unified Payments Interface in India

P Anbuoli Parthasarathy

Assistant Professor, Department of Business Administration, Mannar Thirumalai Naicker College, Pasumalai, Madurai.

Abstract

Unified Payments Interface (UPI) has revolutionized digital transactions in India since its launch in 2016. With exponential growth in transaction volumes, user adoption, and innovations, UPI has transitioned from a peer-to-peer transfer tool to a powerful digital payment’s ecosystem. This article explores the emerging trends reshaping UPI, such as UPI Lite, credit integration, cross-border payments, voice-enabled transactions, and the role of artificial intelligence in fraud detection. The study uses a descriptive research design supported by secondary data analysis to identify key growth drivers and challenges. Findings suggest a promising future, provided infrastructure, security, and awareness evolve alongside innovation.

Keywords

• UPI, Digital Payments, FinTech, Financial Inclusion, Payment Innovation.

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Cite this Article as Follows

P, A. P. (2025). From theory to impact: New visions across disciplines: FTI July 2025 [Hard Bound]. In D. James (Ed.), From Theory to Impact: New Visions Across Disciplines (1st ed., Vol. 1, pp. 1–9). ASDF International. https://edlib.net/2025/fti1/ftijuly2025007.html