The Impact of Unified Payments Interface (UPI) on Financial Inclusion in Rural India

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Observational analysis reveals UPI improved financial inclusion in rural areas, indicating better access for unbanked individuals.

UPI has significantly enhanced financial inclusion, transforming access for rural populations and small merchants.
Findings indicate over 70% transaction growth since UPI's adoption, highlighting its impact on the rural economy.
Quantitative analysis combined with qualitative case studies show UPI's effectiveness amidst poor banking infrastructure.
This research supports expanding digital payment infrastructures to further improve rural financial access.

Sheena Jose (2025) studied this question.

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