印度统一支付接口 (UPI) 成为最受欢迎的数字支付方式

印度推动其国际扩张和国内日常购买的采用。 UPI 于 2016 年推出，提供即时汇款服务

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、统一支付接口、UPI 数字支付、UPI 印度、UPI 扩展、UPI 国际、UPI 国内 UPI 脱颖而出，成为 2024 年印度最受欢迎的数字支付方式，വലിയതോതില്‍ വര്‍ദ്ധിച്ചു。全年，印度都在推动 UPI 的国际扩张和国内日常购物的采用。 UPI 于 2016 年推出，提供即时转账服务，是用于访问不同银行账户的单一移动应用程序。

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

印度区块链联盟 (IBA) 创始人 Raj Kapoor 告诉 CoinGeek：“毫无疑问，UPI 仍然是印度数字支付生态系统的支柱。”

“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 每月处理超过 120 亿笔交易，同比增长 25%，每月交易价值超过 15 万亿卢比（1800 亿美元）。卡普尔补充道，一、二线城市有 75% 的人口使用 UPI，目前扩张的重点是三线城市、农村地区和国际走廊。

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.

过去四年，UPI 交易量增长了十倍，从 2019-2020 年的 125 亿笔交易增加到 2023-24 年的 1310 亿笔交易，占所有数字支付量的 80%。到目前为止，UPI 已扩展到阿拉伯联合酋长国、秘鲁、毛里求斯、斯里兰卡、新加坡、法国、不丹和尼泊尔。

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.

但这还不够。印度希望在全球范围内扩大 UPI 的使用，以便任何拥有 UPI 账户的印度人都可以使用 UPI 进行付款。

“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.

印度储备银行副行长 T Rabi Sankar 表示：“UPI 作为一种支付工具，其数字交易的效率及其在零售和企业用户中的流行程度引起了全世界的关注。”

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，数字和 UPI 相关的欺诈行为也在不断增加。因此，为了提高人们对安全使用数字支付服务的认识并防止诈骗，负责运营印度零售支付和结算系统的印度国家支付公司（NPCI）推出了 UPI 安全意识活动。

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.

该活动旨在让公民掌握应对诈骗者常见风险和威胁的技能。它包括六部短片，重点介绍诈骗者和欺诈者用来欺骗人们的常见策略。这些电影以 11 种印度语言制作，可供印度不同人群观看。

UPI use for everyday purchases

UPI 用于日常购物

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

2024 年，UPI 在零售用户中的受欢迎程度飙升，尤其是因为它在日常购物中越来越受欢迎。

“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 协调人阿米塔布·康德 (Amitabh Kant) 表示：“如今在印度，从街头小贩到大型购物中心的各个层面都使用 UPI，其数字交易比例全球最高，占据近 46% 的份额。”在二十国集团（G20）中，夏尔巴人是各国领导人，负责与国家元首和政府首脑进行最终峰会的讨论和达成协议。

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，印度最古老的地铁加尔各答地铁 (Kolkata Metro) 是一个大规模快速交通系统，于 1984 年开始提供南北服务，在选定车站安装的自动智能卡充值机上引入了基于 UPI 支付的票务系统。印度希望通过支持 UPI 的订票柜台让地铁乘坐更加方便、无忧。乘客现在可以使用这个替代系统为智能卡充值或购买代币，而无需在车站使用现金。

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，卡纳塔克邦公路运输公司 (KSRTC) 采用 UPI 进行日常公交车出行。 KSRTC 为其公交车配备了先进的电子售票机 (ETM) 或支持各种支付方式（包括 UPI）的设备。 KSRTC 的 8,800 辆公交车中部署了超过 10,000 个智能 ETM，未来还有进一步扩展的空间。

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 的受欢迎程度不仅在前往其他国家旅行的印度人中有所上升。该国还通过针对入境游客来提高 UPI 的受欢迎程度。

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 为前往印度的入境游客推出了“UPI One World”钱包。该计划旨在为来自全球部分地区的国际游客提供无缝、实时的数字支付体验，让探索印度的文化景点和充满活力的风景变得更加容易。

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 的举措旨在展示印度在全球数字支付领域的成功，并为国际社会提供参与数字公共基础设施并从中受益的机会。该举措还有望消除携带现金的需要并减轻外汇交易的复杂性。

UPI Lite for small transactions

适用于小额交易的 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，印度储备银行（RBI）宣布对促进线下小额数字支付的框架进行修订，提高了小额数字支付的交易限额。