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Relevant bibliographies by topics / Unified Payment Interface

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Academic literature on the topic 'Unified Payment Interface'

Author: Grafiati

Published: 5 June 2025

Last updated: 16 July 2025

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Journal articles on the topic "Unified Payment Interface"

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Chalise, Abhishek Kumar. "Engineering and Advancement of Digitization through Unified Payment Interface." Journal of Engineering Research and Reports 24, no. 10 (2023): 23–39. http://dx.doi.org/10.9734/jerr/2023/v24i10845.

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Unified Payment Interface introduced in 2016 is an instant real-time payment system developed by National Payments Corporation of India facilitating inter-bank transactions. The interface is regulated by the Reserve Bank of India and works by instantly transferring funds between two bank accounts on a mobile platform. Unlike wallets, the payer and the payee can use two different payment service providers. Unified Payment Interface has brought revolution in payment system in India, making instant real-time payment system possible. This study is focused on looking at engineering side of Unified

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Goutham, Sabbani. "Unified Payments Interface (UPI) – Digital Future of India." European Journal of Advances in Engineering and Technology 10, no. 10 (2023): 77–80. https://doi.org/10.5281/zenodo.11907624.

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The demonetization and digital India initiatives have given the Indian banking sector more impetus to continue pushing for the widespread use of digital payments. The "Unified Payment Interface (UPI)," which was introduced by the "National Payment Corporation of India (NPCI)" to enable digital payments, is a fantastic, updated, and reasonably priced innovation that makes digital payment services available to everyone. The adoption of mobile payment services by smartphone users, financial institutions, and banks has been signalled by the proliferation of smartphones, technological advancements,

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Mahesh, A., and Bhat Ganesh. "Digital Payment Service in India - A Case Study of Unified Payment Interface." International Journal of Case Studies in Business, IT, and Education (IJCSBE) 5, no. 1 (2021): 256–65. https://doi.org/10.5281/zenodo.5091207.

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<strong>Purpose:</strong> <em>The Indian Banking sector is striving hard to popularise digital payments and has gained momentum after demonetization and digital India initiatives. To facilitate digital payments, “National Payment Corporation of India (NPCI)” launched the “Unified Payment Interface (UPI)”, which is an amazing, revamped, and cost-effective breakthrough for enabling digital payment services for all. Proliferation of smartphones, technological innovations, and effective internet communications has signified the usage of mobile payment facility for smartphon

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Sharma, Uma, Sahana Madhukar Kokkalaki, and Mr Manjunath S K. "The role of UPI (Unified Payments Interface) in Financial Interoperability in India." IOSR Journal of Business and Management 27, no. 7 (2025): 39–47. https://doi.org/10.9790/487x-2707013947.

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Unified Payments Interface (UPI) is a communication protocol interface that connects multiple banks accounts to one mobile payment gateway. Interoperability of this interface –a feature which was enabled recently has made these connection even more flexible, as this interface enabled with interoperability feature can connect to any bank to a mobile payment gateway making payment seamless through a single unified QR code which is unique to each retail merchant. Impacting the payment time and access to payment gateways. The National Payments Corporation of India (NPCI) introduced UPI as a paymen

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x, Swaty. "Unified Payment Interface (UPI): A Digital Transformation in India." International Journal of Science and Research (IJSR) 13, no. 11 (2024): 1727–31. https://doi.org/10.21275/sr241119155237.

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Gochhwal, Rahul. "Unified Payment Interface—An Advancement in Payment Systems." American Journal of Industrial and Business Management 07, no. 10 (2017): 1174–91. http://dx.doi.org/10.4236/ajibm.2017.710084.

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Dhivya M, Balamourougane R, Nithin J, R Velu Raj. "Unified Payment Interface: A Unique Payment Interface in the Universe- Secondary Data Analysis." European Economic Letters (EEL) 13, no. 3 (2023): 1259–67. http://dx.doi.org/10.52783/eel.v13i3.423.

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The country's payment system has undergone numerous significant changes, thanks to the Unified Payment Interface (UPI), which has eventually spurred economic growth. Life has become easier with UPI's existence. It significantly accelerates India's transition to a cashless economy as it helps to protect the environment by going greener, to improve the quality of life by embracing technology, and to create more jobs that initiate open many FinTech and Startups that lead to economic sustainability. India serves as the poster child for instant payments and an epitome of how a concerted, widespread

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Chette, Srinivas Yadav, and Mallesh Sidharla. "Comparative Study Between User and Non-user Behavior Towards Unified Payment Interface (UPI) & QR Payments in an Unorganized Retail Sector in India." KMICS Journal of Commerce and Management 1, no. 1 (2023): 1–16. http://dx.doi.org/10.62011/kmicsjcm.2023.1.1.5.

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This study is conducted with the objective to check the adaptation behavior toward Unified Payment Interface (UPI) & QR payments in the unorganized retail sector in India. Data was collected through structured questionnaires and schedules with help of 330 retailers of which 165 retailers were using Unified Payment Interface (UPI) & QR payments and 165 Non-Users. Data analysis was done through ANOVA, with help of 330 samples in the sector. The study has undertaken cross-tabulation to compare the relationship between users and non-users. The findings and implications are discussed.

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Joshi, Megha. "Analysis of Usage of UPI Payments in Banking Sector." International Journal for Research in Applied Science and Engineering Technology 13, no. 6 (2025): 3504–13. https://doi.org/10.22214/ijraset.2025.72756.

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The genesis of India’s unified payment solution prior to 2016; India used a number of different systems to transfer money between banks. The traditional forms included RTGS, IMPS and NEFT. With the plethora of systems, rules and growing paper burden, there was a need for a unified system that could automate and standardise India’s payment platforms. In 2016, NPCI set out with a mandate to change the face of India’s payment systems. It developed the Unified Payments Interface (UPI) as an architecture framework with a set of standard Application Programming Interface (API) specifications to faci

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Kuriakose, Athul, and P. B. Sajoy. "Strategies and Challenges of Unified Payment Interface." Journal of Telecommunications and the Digital Economy 11, no. 4 (2023): 33–47. http://dx.doi.org/10.18080/jtde.v11n4.651.

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The Indian economy is gradually curtailing its overdependence on currency-based transactions and thereby moving closer to digital and mobile-based payment transactions. The main objective of the paper is to provide an in-depth theoretical understanding of the Unified Payments Interface (UPI), its current pace of growth and the possible future penetration based on polynomial trendline projection, the possible challenges that limit future penetration, and the various strategies to overcome these challenges. The paper used the previous six years’ UPI penetration statistics from 2016 to 2017 and e

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Book chapters on the topic "Unified Payment Interface"

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Bhardwaj, Shweta, and Manish Kaushik. "Unified Payment Interface—A Way Ahead for Demonetization in India." In Smart Computing and Informatics. Springer Singapore, 2017. http://dx.doi.org/10.1007/978-981-10-5547-8_29.

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Khanra, Sayantan, Rojers P. Joseph, Amandeep Dhir, and Puneet Kaur. "Antecedents of the Barriers Toward the Adoption of Unified Payment Interface." In Re-imagining Diffusion and Adoption of Information Technology and Systems: A Continuing Conversation. Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-64861-9_53.

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Fuloria, Sanjay. "Unified Payments Interface." In Doing Business in South Asia. Routledge, 2023. http://dx.doi.org/10.4324/9781003261155-17.

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Ragini, Bellapu, and J. Vineesh Prakash. "Does Unified Payment Interface (UPI) Contribute to Financial Inclusion? The Case of Construction Workers in Andhra Pradesh." In Springer Proceedings in Business and Economics. Springer Nature Singapore, 2024. https://doi.org/10.1007/978-981-97-6687-1_10.

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Girish, G. P., Preeti S. Honnamane, Seeboli Ghosh Kundu, and Shilpi Banerjee. "A Study on Digital Public Infrastructure and Unified Payments Interface of India." In Lecture Notes in Networks and Systems. Springer Nature Switzerland, 2024. https://doi.org/10.1007/978-3-031-50887-5_25.

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Kumarasamy, P., and V. Francy Sheeba. "A Study on Customer’s Satisfaction with Online Money Transfers Using Unified Payments Interface (UPI)." In Artificial Intelligence (AI) and Customer Social Responsibility (CSR). Springer Nature Switzerland, 2024. http://dx.doi.org/10.1007/978-3-031-50939-1_52.

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Sarkar, Kingsuk, and Manash Jyoti Rabha. "The Success of Unified Payments Interface (UPI) System in India’s Fintech Ecosystem—What’s Unique?" In Business and Management in Asia: Finance and Investments in the Digital Age. Springer Nature Singapore, 2025. https://doi.org/10.1007/978-981-96-3452-1_7.

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Guhan, R., and K. Nigama. "Behavioural intention of Unified Payments Interface (UPI) usage in the pandemic: Evidence from Tamil Nadu." In Interdisciplinary Research in Technology and Management. CRC Press, 2023. http://dx.doi.org/10.1201/9781003358589-17.

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Singh, Mr Ashutosh. "Cyber Threat and Digital Payment Systems: Challenges and Possible Solutions." In Cyber Security and Information Systems in Corporate Governance and Financial Management. Book Rivers, 2025. https://doi.org/10.64267/97893688414341.

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The digital payment space has drastically changed over the past few years, with newer payment methods like mobile wallets (such as Paytm and Google Pay), Unified Payments Interface (UPI), internet banking, debit and credit cards, and Near Field Communication (NFC) based contactless payments having gone mainstream, particularly in India where the rise of smartphones and internet access occurred relatively quickly. These payment methods have remarkably improved consumers' transaction experience in terms of convenience, inclusion, and speed; consumers can now make instant payments, transfer funds, and manage various financial activities by tapping on their phone a few times, with no need for physical currency or having to wait in line at a bank

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Manda, Vijaya Kittu, Anuradha Yadav, and Lubza Nihar Khaliq. "Role of Payment Systems in Financial Well-Being." In Emerging Perspectives on Financial Well-Being. IGI Global, 2024. http://dx.doi.org/10.4018/979-8-3693-1750-1.ch012.

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Payment systems play an essential role in the financial well-being of an individual. This chapter explores the connection between the two from India's payment revolution perspective. A multi-dimensional typology encompassing psychological factors and financial outcomes provides comprehensive knowledge of financial well-being. The digital payment ecosystem in India, driven by the Unified Payments Interface (UPI), is a compelling case study. The chapter underscores the significance of access to financial services, financial literacy, financial inclusion, and financial protection in promoting overall well-being. Recent trends highlight the growth of fintech startups and their contribution to expanding access to financial services. Adopting digital payment systems has influenced spending patterns, saving habits, and credit behavior, shaping individuals' financial behavior. However, challenges such as financial inclusion, literacy, and consumer protection need to be addressed.

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Conference papers on the topic "Unified Payment Interface"

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Karthick, N., G. Leema Roselin, M. Tamilarasan, K. Kalaiselvi, S. Sudha, and J. Jayanthi. "Unified Payment Interface Imposture and Scam Detection Using Deep Learning And ANN." In 2024 Third International Conference on Smart Technologies and Systems for Next Generation Computing (ICSTSN). IEEE, 2024. http://dx.doi.org/10.1109/icstsn61422.2024.10671346.

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Tamilselvi, M., Rowsonara Begum, Krishnamoorthi K, Jayant Giri, D. Sheela, and Mohammad Omar Sabri. "Experimental Evaluation Unified Payment Interface (UPI) Fraud Detection System Using Elevated Deep Learning Methodology." In 2024 2nd International Conference on Emerging Trends in Engineering and Medical Sciences (ICETEMS). IEEE, 2024. https://doi.org/10.1109/icetems64039.2024.10965083.

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Trinity, Galipothula Hanok, and Nidhi Sharma. "Unified Payments Interface (UPI): Fraud and Prevention Strategies." In 2025 International Conference on Electronics, Computing, Communication and Control Technology (ICECCC). IEEE, 2025. https://doi.org/10.1109/iceccc65144.2025.11063926.

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Raju, M. Naga, Yarramreddy Chandrasena Reddy, Polavarapu Nagendra Babu, Venkata Sai Pavan Ravipati, and Velpula Chaitanya. "Detection of Fraudulent Activities in Unified Payments Interface using Machine Learning - LSTM Networks." In 2024 7th International Conference on Circuit Power and Computing Technologies (ICCPCT). IEEE, 2024. http://dx.doi.org/10.1109/iccpct61902.2024.10672890.

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Hule, Kuldeep, Arjun Dashrath, and Ashwin Gupta. "Self-Mining Blockchain Mobile Unified Payment Interface." In 2021 International Conference on Computing, Communication and Green Engineering (CCGE). IEEE, 2021. http://dx.doi.org/10.1109/ccge50943.2021.9776418.

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Babu, M. Kishore, K. Pranitha, and Y. Yaswitha Sai. "A study on customers perception towards unified payment interface." In CONTEMPORARY INNOVATIONS IN ENGINEERING AND MANAGEMENT. AIP Publishing, 2023. http://dx.doi.org/10.1063/5.0158659.

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Jaluthria, Kunal, Karandeep Singh, Manik Sharma, and Rajni Jindal. "Sentiment Analysis of Unified Payments Interface (UPI) Payment App Review using Machine Learning Algorithm." In 2024 5th International Conference for Emerging Technology (INCET). IEEE, 2024. http://dx.doi.org/10.1109/incet61516.2024.10593356.

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Goswami, Anuradha, Vijayakumar Bharathi S, and Sharad Jadhav. "An Empirical Study on the Customer Acceptance of Unified Payment Interface." In 2023 7th International Conference On Computing, Communication, Control And Automation (ICCUBEA). IEEE, 2023. http://dx.doi.org/10.1109/iccubea58933.2023.10392139.

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Tayal, Swati, K. Rajagopal, and Vaishali Mahajan. "Digital Gamification in Unified Payment Interface (UPI) towards Sustainable Development Goals." In 2023 5th International Conference on Smart Systems and Inventive Technology (ICSSIT). IEEE, 2023. http://dx.doi.org/10.1109/icssit55814.2023.10061109.

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Sekar, S. "User‟s Opinion Analysis Towards Unified Payment Interface (UPI) Transactions Using Artificial Intelligence." In 2024 Ninth International Conference on Science Technology Engineering and Mathematics (ICONSTEM). IEEE, 2024. http://dx.doi.org/10.1109/iconstem60960.2024.10568859.

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Reports on the topic "Unified Payment Interface"

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Yiengprugsawan, Vasoontara, Jae Kyoun, Michelle Apostol, et al. Leveraging Lessons Learned from India’s Unified Payments Interface for Digital Transformation in Asia. Asian Development Bank, 2024. http://dx.doi.org/10.22617/brf240278-2.

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Asanova, Jazira, Pratyush Pratyush, Yonghwi Kwon, and John Owens. Leveraging Lessons Learned from India’s Unified Payments Interface for Digital Transformation in Asia. Asian Development Bank, 2024. http://dx.doi.org/10.22617/brf240255-2.

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