波士顿咨询：2025 UPI：全球数字支付标杆：规模化赋能生活变革研究报告（英文版）（106页）.pdf

1、Executive SummaryOctober 2025UPIThe Global Benchmark for Digital PaymentsTransforming lives at scaleThe National Payments Corporation of India(NPCI)is a deep-tech powerhouse leading Indias digital payment revolution and shaping the global digital economy.Established in 2008,NPCI is anchored in deep

2、technology,deep human understanding of citizen needs,and deep domain expertiseenabling inclusive,secure,and population-scale solutions.Currently,its AI-powered,blockchain-enabled platforms process over 22 Billion transactions each month,with a cumulative value exceeding INR 42 Trillion(USD 47 Billio

3、n).These systems generate approximately 6 terabytes of data daily and are capable of detecting fraudulent activity in real timewithin just 10 milliseconds per transaction.By combining cutting-edge innovation with scale,NPCI has fostered collaboration between banks,fintechs,and all ecosystem playersm

4、aking India a global benchmark in digital payments.NPCIs vision is to be the best payments network globally and its mission is to touch every Indian with one or other payments services.To address the evolving needs of Indias digital payments landscape,NPCI has set up three focused subsidiaries.NPCI

5、International Payments Limited(NIPL)solves for global scalability by exporting Indias proven payment platforms like UPI and RuPay to international markets.NPCI Bharat BillPay Limited(NBBL)tackles the fragmentation in bill payments by offering a unified,interoperable system through Bharat Connect.NPC

6、I BHIM Services Limited(NBSL)addresses the need for inclusive and accessible digital transactions via the BHIM app,simplifying UPI usage for millions.With NPCIs innovative approach and commitment to modern technology,India has emerged as a global leader in digital payments.This has facilitated finan