State of UPI - Observations from reluctant observer
summary
A survey of India’s Unified Payments Interface (UPI) ecosystem covering UPI apps, app integrations, and recent technical changes to the UPI specification. It reviews security incidents involving UPI, describes upcoming modifications to the system, and assesses how those changes might affect UPI payments. The analysis is based on CashlessConsumer’s tracking, open data and critical feedback since UPI’s launch.
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chapters (14)
- 0:00Start
- 2:00Overview
- 4:08UPI By Numbers
- 17:36Platform Observations - Circulars
- 18:26Technology Observations - Platform
- 19:04Technology Observations - Apps
- 23:09UPI Integrations
- 25:40Autocreation of VPA / Browsing attack
- 26:55Spam Control
- 28:19Frauds / Security Measures
- 29:40Consumer Observations - Regulation
- 32:24Consumer Observations - Concerns
- 34:57Data Collection
- 36:29Aadhaar Authentication in UPI
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