新印度儲備銀行州長Sanjay Malhotra宣布擴展聯合支付接口（UPI）

印度儲備銀行（RBI）新任命的州長桑傑·馬爾霍特拉（Sanjay Malhotra）宣布，中央銀行將擴大聯合支付界面的影響範圍（UPI）

The newly appointed Governor of the Reserve Bank of India (RBI), Sanjay Malhotra, has set out his priorities for the year ahead, which include expanding the reach of United Payments Interface (UPI) bilaterally by linking UPI with fast payment systems of other countries and facilitating efficient cross-border payments.

印度儲備銀行（RBI）新任命的州長Sanjay Malhotra已列出了他在未來一年的優先事項，其中包括通過將UPI與其他國家 /地區的快速支付系統聯繫起來擴大雙側的聯合付款接口（UPI）的覆蓋範圍，並促進了有效的跨境支付。

Malhotra, who took over from Viral Acharya in December 2024, also announced that the central bank will be exploring linking payment systems other than UPI to improve cross-border payment effectiveness and foster innovation in payment systems through “soft-touch regulations” within established boundaries.

Malhotra於2024年12月從Viral Acharya接管，他還宣布，中央銀行將探索通過既定邊界內的“軟接觸法規”中的跨境支付效率和促進付款系統中的跨境支付效率和促進創新的聯繫。

“While in domestic payments, the success of UPI has propelled India to a leadership position in the world with a share of 48.5 per cent in global real-time payments by volume, we will endeavour to make cross-border payments more efficient,” Malhotra said at the inauguration of Digital Payments Awareness Week 2025.

Malhotra在數字支付意識上的開幕典禮上，Malhotra說：“在國內付款中，UPI的成功使印度在全球實時付款中的份額為48.5％，我們將努力使跨境支付更加有效。”

This assumes priority as India is the largest receiver of personal remittances globally. As per a World Bank report, it has been estimated that in 2024, India received remittances amounting to about $130 billion. We need to address the challenges of high cost, slow speed, and insufficient access and transparency in cross border payments,” Malhotra highlighted.

由於印度是全球個人匯款的最大接收者，因此這是優先事項。根據世界銀行的報告，據估計，在2024年，印度獲得了約1300億美元的匯款。我們需要應對高成本，慢速和跨境支付的訪問不足和透明度的挑戰。” Malhotra強調。

The central bank will continue its engagement in a multilateral project called Project Nexus, to enable instant cross-border retail payments, Malhotra informed. Nexus, which is being explored by the Innovation Hub of the Bank for International Settlements (BIS), aims to connect the fast payment systems of four Southeast Asian countries—Malaysia, Philippines, Singapore, and Thailand—and India, who would be the founding members and first mover countries of this platform.

Malhotra告知，中央銀行將繼續參與一個名為Nexus Project Nexus的多邊項目，以實現即時跨境零售付款。 Nexus旨在由國際定居銀行（BIS）的創新樞紐探索，旨在將四個東南亞國家（馬來西亞，菲律賓，新加坡和泰國）的快速支付系統和印度連接起來，他們將成為該平台的創始成員和該平台的第一個Mover國家。

“Apart from the RBI, the government and other important stakeholders such as the banks and payment system operators have also taken a number of initiatives to encourage the adoption of digital payments. While these efforts have produced results, as is visible in the huge growth of digital payments, there is still a lot more to be done,” Malhotra added.

“除了印度儲備銀行外，政府和其他重要的利益相關者（例如銀行和支付系統運營商）還採取了許多計劃，以鼓勵採用數字付款。儘管這些努力取得了成果，但在數字支付的巨大增長中可見，但還有很多事情要做。” Malhotra補充說。

Malhotra, who stepped down from his role as revenue secretary to the Finance Ministry, is the 26th Governor of RBI for a three-year term starting December 2024. Last month, he reduced India’s benchmark rate for the first time in nearly five years, with economists anticipating further rate cuts in April. The central bank expects the country’s growth for the fiscal year starting on April 1 to touch 6.7%, at a time when the United States-China trade war is intensifying, tariffs are being imposed on trading partners, and the global economy seems to be approaching a critical juncture similar to the 2008 Global Financial Crisis.

馬爾霍特拉（Malhotra）從2024年12月開始擔任第26個印度儲備銀行（RBI）的第26個州長擔任財政部的稅收秘書。從2024年12月開始。上個月，他在近五年內首次降低了印度的基准率，經濟學家預計將在4月進一步降低。中央銀行預計該國從4月1日開始的財政年度增長將達到6.7％，在美國 - 中國貿易戰正在加劇的時候，貿易夥伴徵收關稅，而全球經濟似乎正在接近與2008年全球金融危機相似的關鍵關鍵。

Digital payment for economic growth

經濟增長的數字支付

“Payments through digital modes support economic growth. They also deepen financial inclusion by overcoming barriers like high transaction costs and geographical limitations. In effect, digital payments are not just convenient but are also a powerful tool for economic empowerment and growth,” Malhotra pointed out.

“通過數字模式付款支持經濟增長。他們還通過克服諸如高交易成本和地理限制之類的障礙來加深金融包容性。實際上，數字支付不僅是方便的，而且也是賦予經濟能力和增長的有力工具，”馬爾霍特拉指出。

He explained that payments are the “lifeblood of commerce,” enabling the flow of goods and services in an economy.

他解釋說，付款是“商業的命脈”，使經濟中的商品和服務流動。

However, surveys show that nearly 40% of India’s adult population still does not use digital payments. One of the main reasons for this is lack of awareness or familiarity with digital payments, Malhotra said.

但是，調查表明，印度近40％的成年人口仍未使用數字支付。馬爾霍特拉說，造成這種情況的主要原因之一是缺乏意識或熟悉數字支付。

To help the public understand digital payments, the RBI observes Digital Payments Awareness Week (DPAW) every March. As part of this endeavor, the “Har Payment Digital” mission was launched in 2023 to promote digital payments by enhancing awareness among all citizens and making available the necessary infrastructure and solutions for people to make payments digitally.

為了幫助公眾了解數字付款，印度儲備銀行每年三月觀察數字付款意識週（DPAW）。作為這項努力的一部分，“ HAR Payment Digital”任務是在2023年啟動的，目的是通過提高所有公民的認識，並為人們提供必要的基礎設施和解決方案，以數字方式進行付款。

The 5th DPAW is being observed from March 10-16 with a theme, ‘India Pays Digitally,’ reflecting the nation’s transformative journey toward a digitally empowered citizenry with the ubiquity and convenience of digital payments.

從3月10日至16日開始觀察第五次DPAW，其主題是“以數字方式支付”，這反映了該國的變革性旅程，憑藉數字支付的普遍性和便利性，以數字化授權的公民邁進。

DPAW is an initiative to highlight the impact and importance of digital payments and to create awareness about the safe usage of digital payment products. During the week, the RBI, along with payment system operators, banks, and other stakeholders, will conduct nationwide awareness activities, including multimedia campaigns, on-ground educational programs, and social media-based outreach.

DPAW是一項旨在強調數字支付的影響和重要性並提高對數字支付產品安全使用的認識的倡議。在一周內，印度儲備銀行將與支付系統運營商，銀行和其他利益相關者一起進行全國性的宣傳活動，包括多媒體運動，地面教育計劃和基於社交媒體的外展活動。

“The objectives of Mission Har Payment Digital can be achieved only with the active participation of all stakeholders. Geographies and population segments, lagging behind in usage and awareness of digital payments need to be identified and suitable steps taken to expand awareness and improve usage,” Malhotra pointed out.

“只有在所有利益相關者的積極參與下，才能實現Mission Har Payment Digital的目標。需要識別使用的地理和人口細分，落後於使用和對數字付款的認識，並採取了適當的步驟來提高意識並提高使用情況。” Malhotra指出。

RBI’s regional offices also conduct awareness programs called eBAAT. RBI has been performing these programs since 2012, and in the last eight years, more than 1,800 such programs have been conducted. In 2025, the content and method of delivery of eBAAT will be reviewed, and a pilot will be conducted with the objective of reaching “a very large number of people in the most efficient way.”

印度儲備銀行的區域辦事處還開展了名為Ebaat的知名度計劃。自2012年以來，印度儲備銀行就一直在執行這些計劃，在過去的八年中，已經進行了1,800多個此類計劃。在2025年，將審查EBAAT的內容和方法，並將進行飛行員，目的是“以最有效的方式吸引“大量人”。

Encourage innovation while tackling risks

鼓勵創新，同時解決風險

Malhotra said

馬爾霍特拉說