stdClass Object
(
    [id] => 14916
    [paper_index] => 202501-07-019947
    [title] => UNIFIED PAYMENT INTERFACE- REVOLUTIONIZING MODERN PAYMENT SYSTEMS
    [description] => 
    [author] => Ms.K.Suganya, Dr. C.Yogalakshmi
    [googlescholar] => 
    [doi] => https://doi.org/10.36713/epra19947
    [year] => 2025
    [month] => January
    [volume] => 12
    [issue] => 1
    [file] => fm/jpanel/upload/2025/January/202501-07-019947.pdf
    [abstract] => This paper examines the Unified Payment Interface (UPI), a cutting-edge payment system introduced in India by the National Payments Corporation of India. UPI is a mobile-centric, real-time interbank payment platform designed to transform and democratize digital payments in the country. The study delves into the evolution of India's payment systems and provides a comprehensive analysis of UPI's technology, focusing on its architecture and security framework through empirical and theoretical literature. UPI stands out as a major advancement compared to existing payment systems, offering benefits such as reduced costs, user-friendly interfaces, faster settlement times, and robust security measures. With its modular API-based architecture, UPI fosters the creation of innovative solutions for both consumers and businesses. Although still in its early stages, the development of merchant-focused UPI solutions holds the potential to significantly enhance user adoption. By integrating a broader section of the population into the digital economy, UPI could play a pivotal role in advancing financial inclusion in India.
    [keywords] => Mobile payments, Real Time Payments, Unified Payment Interface, Digital payments
    [doj] => 2025-01-24
    [hit] => 
    [status] => 
    [award_status] => P
    [orderr] => 18
    [journal_id] => 7
    [googlesearch_link] => 
    [edit_on] => 
    [is_status] => 1
    [journalname] => EPRA International Journal of Economics, Business and Management Studies (EBMS)
    [short_code] => IJHS
    [eissn] => 2347-4378
    [pissn] => 
    [home_page_wrapper] => images/products_image/2.EBMS.png
)
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