印度統一支付介面 (UPI) 成為最受歡迎的數位支付方式

印度推動其國際擴張和國內日常採購的採用。 UPI 於 2016 年推出，提供即時匯款服務

UPI,UPI Payments,UPI Transactions,Unified Payments Interface,UPI Digital Payments,UPI India,UPI Expansion,UPI International,UPI DomesticUPI stood out as India’s most popular digital payment method in 2024,വലിയതോതില്‍ വര്‍ദ്ധിച്ചു. Throughout the year, India pushed for UPI’s international expansion and domestic adoption for everyday purchases. Introduced in 2016, UPI offers instant money transfers and is a single mobile application for accessing different bank accounts.

UPI、UPI 支付、UPI 交易、統一支付介面、UPI 數位支付、UPI 印度、UPI 擴展、UPI 國際、UPI 國內 UPI 脫穎而出，成為印度 2024 年最受歡迎的數位支付方式，വലിയതോതഴഴ ് ചു。全年，印度都在推動 UPI 的國際擴張和國內日常購物的採用。 UPI 於 2016 年推出，提供即時轉帳服務，是用於存取不同銀行帳戶的單一行動應用程式。

“Without a doubt, UPI remains the backbone of India’s digital payments ecosystem,” Raj Kapoor, founder of India Blockchain Alliance (IBA), told CoinGeek.

印度區塊鏈聯盟 (IBA) 創始人 Raj Kapoor 告訴 CoinGeek：“毫無疑問，UPI 仍然是印度數位支付生態系統的支柱。”

“As of 2024, UPI processed over 12 billion transactions monthly, with a year-on-year growth of 25%, crossing ₹15 trillion ($180 billion) in transaction value per month. With 75% of the population in Tier-I and Tier-II cities using UPI, expansion is now focused on Tier-III cities, rural areas, and international corridors,” Kapoor added.

「截至 2024 年，UPI 每月處理超過 120 億筆交易，年增 25%，每月交易價值超過 15 兆盧比（1,800 億美元）。卡普爾補充道，一、二線城市有 75% 的人口使用 UPI，目前擴張的重點是三線城市、農村地區和國際走廊。

The UPI has seen a tenfold increase in volume over the past four years, from 12.5 billion transactions in 2019-2020 to 131 billion transactions in 2023-24, or 80% of all digital payment volumes. So far, UPI has expanded to the United Arab Emirates, Peru, Mauritius, Sri Lanka, Singapore, France, Bhutan, and Nepal.

過去四年，UPI 交易量成長了十倍，從 2019-2020 年的 125 億筆交易增加到 2023-24 年的 1,310 億筆交易，佔所有數位支付量的 80%。到目前為止，UPI 已擴展到阿拉伯聯合大公國、秘魯、毛里求斯、斯里蘭卡、新加坡、法國、不丹和尼泊爾。

But that is not enough. India is looking to expand UPI use worldwide so that any Indian with a UPI account can make a payment using UPI.

但這還不夠。印度希望在全球範圍內擴大 UPI 的使用，以便任何擁有 UPI 帳戶的印度人都可以使用 UPI 進行付款。

“UPI as a payment instrument has caught the world’s attention in terms of the efficiency with which digital transactions happen and in terms of how it is catching on among our retail and business users,” Deputy Governor of RBI T Rabi Sankar said.

印度儲備銀行副行長 T Rabi Sankar 表示：“UPI 作為一種支付工具，其數位交易的效率及其在零售和企業用戶中的流行程度引起了全世界的關注。”

However, digital and UPI-related frauds have also been increasing. As a result, to raise awareness of the safe use of digital payment services and prevent scams, the National Payments Corporation of India (NPCI), responsible for operating retail payments and settlement systems in India, introduced a UPI safety awareness campaign.

然而，數位和 UPI 相關的詐欺行為也在不斷增加。因此，為了提高人們對安全使用數位支付服務的認識並防止詐騙，負責經營印度零售支付和結算系統的印度國家支付公司（NPCI）推出了 UPI 安全意識活動。

The campaign seeks to empower citizens with the skills to counter common risks and threats from scammers. It includes six short films highlighting common tactics scammers and fraudsters use to deceive people. The films are produced in 11 Indian languages, making them accessible to India’s diverse population.

該活動旨在讓公民掌握應對詐騙者常見風險和威脅的技能。它包括六部短片，重點介紹詐騙者和詐欺者用來欺騙人們的常見策略。這些電影以 11 種印度語言製作，可供印度不同人群觀看。

UPI use for everyday purchases

UPI 用於日常購物

The year 2024 saw UPI’s popularity soar among retail users, especially due to its rising popularity for everyday purchases.

2024 年，UPI 在零售用戶中的受歡迎程度飆升，尤其是因為它在日常購物中越來越受歡迎。

“Today in India, UPI is used at all levels from street vendors to large shopping malls, with the highest percentage of digital transactions globally, accounting for nearly 46 per cent share,” said Amitabh Kant, G20 Sherpa of India. In the G20, the Sherpas are the leaders of each country who take the discussions and agreements to the final summit with heads of state and government.

印度 G20 協調人阿米塔布·康德 (Amitabh Kant) 表示：“如今在印度，從街頭小販到大型購物中心的各個層面都使用 UPI，其數字交易比例全球最高，佔據近 46% 的份額。”在二十國集團（G20）中，夏爾巴人是各國領導人，負責與國家元首和政府首長進行最終峰會的討論和達成協議。

This year, India’s oldest metro, Kolkata Metro, a mass rapid transit system that started in 1984 with a North-South service, introduced a UPI payment-based ticketing system at the automatic smart card recharge machines installed at select stations. With UPI-enabled ticket booking counters, India aimed to make metro rides more convenient and hassle-free. Passengers can now recharge their smart cards or purchase tokens with this alternate system instead of using cash at the stations.

今年，印度最古老的地鐵加爾各答地鐵 (Kolkata Metro) 是一個大規模快速交通系統，於 1984 年開始提供南北服務，在選定車站安裝的自動智慧卡充值機上引入了基於 UPI 支付的票務系統。印度希望透過支援 UPI 的訂票櫃檯讓地鐵乘坐更加方便、無憂。乘客現在可以使用這個替代系統為智慧卡充值或購買代幣，而無需在車站使用現金。

In southern India, the Karnataka State Road Transport Corporation (KSRTC) adopted the UPI for daily bus rides. KSRTC equipped its buses with advanced Electronic Ticketing Machines (ETMs) or devices that support various payment methods, including UPI. Over 10,000 smart ETMs were deployed across KSRTC’s fleet of 8,800 buses, with room for further expansion in the future.

在印度南部，卡納塔克邦公路運輸公司 (KSRTC) 採用 UPI 進行日常公車出行。 KSRTC 為其公車配備了先進的電子售票機 (ETM) 或支援各種支付方式（包括 UPI）的設備。 KSRTC 的 8,800 輛公車中部署了超過 10,000 個智慧 ETM，未來還有進一步擴展的空間。

UPI for in-bound travelers

面向入境旅客的 UPI

UPI’s popularity rose not only among Indians travelling to other countries. The country is also bolstering UPI’s popularity by targeting inbound travelers.

UPI 的受歡迎程度不僅在前往其他國家的印度人中有所上升。該國還透過針對入境遊客來提高 UPI 的受歡迎程度。

In 2024, the NPCI rolled out the ‘UPI One World’ wallet for inbound travelers visiting India. The initiative was designed to provide international visitors from some parts of the globe with a seamless, real-time digital payment experience, making exploring India’s cultural attractions and vibrant landscapes easier.

2024 年，NPCI 為前往印度的入境遊客推出了「UPI One World」錢包。該計劃旨在為來自全球部分地區的國際遊客提供無縫、即時的數位支付體驗，讓探索印度的文化景點和充滿活力的風景變得更加容易。

The NPCI’s initiative was aimed at showcasing India’s success in the global digital payments landscape and providing an opportunity for the international community to engage with and benefit from the Digital Public Infrastructure. The initiative was also expected to eliminate the need to carry cash and ease the complexities of foreign exchange transactions.

NPCI 的措施旨在展示印度在全球數位支付領域的成功，並為國際社會提供參與數位公共基礎設施並從中受益的機會。該舉措還有望消除攜帶現金的需要並減輕外匯交易的複雜性。

UPI Lite for small transactions

適用於小額交易的 UPI Lite

Further into the year, the Reserve Bank of India (RBI) announced an amendment to the framework for facilitating small-value digital payments in offline mode, increasing the transaction limits for

今年下半年，印度儲備銀行（RBI）宣布對促進線下小額數位支付的框架進行修訂，提高了小額數位支付的交易限額。