I live in India. Many people have launched UPI based payment apps. Even government launched an app called BHIM. It is really good. UPI is a really good concept.

The problem: None of these apps is used by most of the vendors in cities. Except for Paytm which is available with many small vendors in cities. They used the demonetization period to heavily market the app by going vendor to vendor singing them up.BHIM is really good but government needs to work on its marketing. They can use college/school students everywhere to do the same. JIO has granted access to fast mobile networks to common people. We need to teach people how to use these apps.