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International Journal of Science, Strategic Management and Technology

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UPI ( UNIFIED PAYMENTS INTERFACE )

AUTHORS:
Gaurang Bhardwaj
Mentor
Dr. Shrikant Vashistha
Affiliation
DOI: 10.55041/ijsmt.v2i4.406
CC BY 4.0 License:
This article is an open access article distributed under the terms and conditions of the Creative Commons Attribution (CC BY) license, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
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Abstract

The Unified Payments Interface (UPI) is a digital payment system developed to facilitate instant money transfers between bank accounts through mobile devices. It was introduced by the National Payments Corporation of India to promote digital transactions and reduce the dependency on cash payments in India. UPI enables users to transfer money using mobile numbers, QR codes, or virtual payment addresses without requiring bank account details, making transactions simple and convenient.

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PUBLICATION DETAILS
Review Type:
Double-Blind Peer Review
License:
CC BY-NC 4.0
Volume/Issue:
Volume 02, Issue 04
Review Rounds:
2
Article Type:
Research Article
Publication Date:
Apr 21 2026
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Bhardwaj, G. (2026). UPI ( Unified Payments Interface ). International Journal of Science, Strategic Management and Technology, 02(04). https://doi.org/10.55041/ijsmt.v2i4.406

Bhardwaj, Gaurang. "UPI ( Unified Payments Interface )." International Journal of Science, Strategic Management and Technology, vol. 02, no. 04, 2026, pp. . doi:https://doi.org/10.55041/ijsmt.v2i4.406.

Bhardwaj, Gaurang. "UPI ( Unified Payments Interface )." International Journal of Science, Strategic Management and Technology 02, no. 04 (2026). https://doi.org/https://doi.org/10.55041/ijsmt.v2i4.406.

References
1.The study on UPI can be supported using various reliable sources. The primary source of information is the National Payments Corporation of India official website, which provides detailed information about UPI, transaction statistics, and system features.

2.Reports and publications from the Reserve Bank of India provide information about digital payment policies, financial inclusion, and electronic payment systems in India.

3.Research papers on digital payments, fintech, and mobile banking from academic journals and research websites can also be used as references. Articles from financial websites, government portals, and economic surveys also provide useful data and analysis related to UPI growth and digital payment adoption.

4.Some common reference sources include:

5. NPCI official website

6.. RBI annual reports

7.. Research journals on digital payments

8.. Government Digital India reports

9. Articles on fintech and mobile banking
Ethics and Compliance
✓ All ethical standards met
This article has undergone plagiarism screening and double-blind peer review. Editorial policies have been followed. Authors retain copyright under CC BY-NC 4.0 license. The research complies with ethical standards and institutional guidelines.
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