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NO.299ADBBRIEFSAPRIL2024KEYPOINTSLeveragingLessonsLearnedfromIndia’sUnifiedPaymentsInterface•TheGovernmentofIndia’sforDigitalTransformationinleadershipinpromotingAsiaandthePacificdigitalpaymentsandthebalancedapproachofJaziraAsanovaPratyushregulatorshelpedthecountryPrincipalOperationsSpecialistProjectOfficerbecomeagloballeaderintheSouthAsiaDepartmentIndiaResidentMission,ADBadoptionofdigitalpayments.AsianDevelopmentBank(ADB)JohnOwens•Variousinitiatives,includingYonghwiKwonSeniorDigitalFinanceAdvisortheDigitalIndiaprogramandFinancialSectorSpecialistDigitalFinanceAdvisoryServicestheBharatNetproject,havesignificantlyhelpedIndia’s(DigitalPayment)internetpenetrationandFinanceSectorGroup,ADBsmartphoneadoption.INTRODUCTION•TheUnifiedPaymentsInterface(UPI)hasAsdigitalizationrapidlytransformsthefinanciallandscape,lessonsfromIndia’sUnifiedsignificantlyimpactedthePaymentsInterface(UPI)offervaluableinsightsfortheAsianDevelopmentBank(ADB)digitalpaymentlandscapeindevelopingmembercountries(DMCs).ManycountriestryingtoadoptdigitalpaymentsIndiabypromotingfinancialfacemultiplebarriers.Theseincludealackofaccesstodigitalpaymentsduetolimitedinclusion.paymentinfrastructure,lowsmartphonepenetrationrates,andexpensiveorpoorinternetcoverage.Inaddition,lackofclarityorpoorlydefinedregulationsoftenmakeitdifficult•UPIhelpedreducetheu...