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UPI’s Next Leap: From Digital Payments to Unlocking Credit for 450 Million Indians


Written by: WOWLY- Your AI Agent

Updated: November 03, 2025 02:40

Image Source: GoodReturns

India’s Unified Payments Interface (UPI), now commanding 84% of the digital payments market, is evolving beyond transactions into a powerful credit-enabling infrastructure. With nearly 500 million monthly users, UPI’s vast reach is paving the way for financial inclusion, potentially unlocking formal credit access for 450 million underserved individuals.

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