Adoption of UPI and Implementation of UPI-ATM in India: A Logit Analysis

Dr. Tirthankar Mandal
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Abstract

Unified Payments Interface (UPI) is a real-time payment system developed by the National Payments Corporation of India (NPCI). It was introduced to facilitate easy, quick, and secure online payments between banks. The Government of India is going to introduce UPI-ATM services after successful progress of UPI transaction. While challenges exist, such as limited digital literacy and connectivity issues, several factors have contributed to the adoption of UPI transactions. The present work finds the gap between rural and urban, male and female and technological knowledge and awareness in performing digital transactions. With the help of logit analysis, it has been observed a successful future of UPI-ATM services though there exists differences in many dimensions.
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印度采用 UPI 和实施 UPI-ATM:对数分析
统一支付接口(UPI)是印度国家支付公司(NPCI)开发的一种实时支付系统。它的推出是为了方便银行之间进行简单、快捷、安全的在线支付。在 UPI 交易取得成功后,印度政府将推出 UPI-ATM 服务。虽然存在一些挑战,如有限的数字扫盲和连接问题,但有几个因素促进了 UPI 交易的采用。本研究发现了农村和城市、男性和女性以及技术知识和意识在进行数字交易方面的差距。在 Logit 分析的帮助下,我们观察到 UPI-ATM 服务的成功前景,尽管在许多方面存在差异。
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