UPI faces frequent downtimes due to server overload, lack of infrastructure upgrades, and no transaction throttling. Banks flood NPCI with repeated status checks, while rising transactions and lack of financial incentives worsen the issue. NPCI and RBI plan system upgrades, monitoring, and reforms like MDR revival and promoting UPI Lite.
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Picture Courtesy: THE HINDU
Frequent UPI downtimes disrupt digital payments due to system overload and infrastructure limitations.
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