UPI and Digital Payments in India
Resilience, Limits and Risks
UPI must handle huge volumes reliably, and outages, concentration and limits raise concerns.
A system used by hundreds of millions cannot afford to fail.
Outages
Occasional disruptions have caused inconvenience, and NPCI works to improve capacity.
Limits
Per-transaction and daily limits balance convenience with security.
Concentration
Heavy dependence on a few apps and one network is a risk.
Backup
Cards, cash and alternative apps offer fall-backs.
A dead network
During an outage, a shopper needs a backup payment method.
Depending on one method
Keep alternatives.
Key takeaways
- Outages occur.
- Limits protect users.
- Concentration is a risk.
- Have backups.
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