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UPI (Integrated Payment Interface) -New Technology of a Digital Payment: A Searching Study
by MR. PIYUSH
International Journal of Technology & Emerging Research 2026 , 2 (5) , 281–289
10.64823/ijter.2605023Abstract
India witnessed a unique Launchpad for digital payment acceptance via demonetization. Huge emphasis is laid by the Government’s reforms after demonetization on cashless transactions. The effect of demonetization is that there is a phenomenal surge in digital money payments. Digital Payment Electronic Payment system was not born now from 1980’s, since the I did not see any new technology came and became more popular than other for electronic on line payment Lets define them. In this paper the authors have studied the UPI- Unified Payment Interface method of Digital Payment here will discuss its Architecture, Technologies Concept, Operations and Parties involved in using it; also discussed about its Benefits & Challenges and Different existing UPI Apps.
Keywords: UPI, NPCI, BHIM GPAY, PHONEPAY, TECHENOLOGY.
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