Wire · operational-macro
UPI at 10: Financial inclusion needs a second act
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Fusion42 · 6 September 2026 · Fusion42 review
India's Unified Payments Interface (UPI) has revolutionised digital payments with massive scale and interoperability, supporting financial inclusion efforts linked to bank accounts under the Jan Dhan scheme. The next challenge is driving regular, safe use of this infrastructure for diverse financial activities beyond payments, while managing competition and international expansion risks.
This Wire brief sits within Fusion42's coverage of Fintech.
◆ ◆ The Wire takeaway
You can no longer rely on scale alone in Indian payments. Focus now goes to engaging users for ongoing financial activity and navigating tighter regulatory competition rules and cross-border expansion challenges.
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1 source · 6 Sep 2026
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