कतार से लेकर क्‍यूआर कोड तक : भारत की भुगतान क्रांति

कतार से लेकर क्‍यूआर कोड तक : भारत की भुगतान क्रांति: UPI has moved beyond simplifying payments to reshaping participation in the financial system. By enabling instant, low-cost transactions, it has reduced dependence on cash, improved efficiency, and opened access to formal finance for millions. For small merchants and informal workers, this shift is especially significant, creating new pathways to credit, insurance, and savings. -A