Hacker News Reader

> What really led to the rapid uptake of UPI was Covid and people's reluctance to handle cash as a result of it.

That timeline doesn't make sense. UPI was already a spectacular success by 2019.

In 2019 it was gaining traction, as the article shows the volume of transactions were around 1 billion per month in March 2019.

the opportunity to mine all this data by the government for any policy or intervention cannot be underestimated.