UPI changed my career path
As a data scientist in fintech, UPI has been a total game-changer, not just for India, but for my career too! 10Bn+ transactions per month, UPI has crazy opportunities to build predictive models and analyze consumer behavior at scale, it’s pushed fraud detection to new levels. AI/ML models are now identifying anomalies in real time. It’s changing credit assessment, transaction patterns are now important to build more accurate underwriting models. Also, UPI’s rollout abroad gave me an opportunity to work on cross-border payment systems, adding an international layer to my work, which is great.
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There is a story that V&M actually came up with idea of QR codes based payments for CC. They called it Bharat something. In fact they demonstrated this also and were ready for rollout. GOI realised the potential and mandated NCPI to create something using bank accounts.
Can't think of better Indian innovation in last few decades.
Calm down bro. Take some water and air and calm down