Whalesbook
Yeh Split Hai Kya Re?
Bhai, asan bhasha mein samjhata hu. India mein jo paison ka len-den hota hai na, woh do alag alag raston pe chal raha hai. Ek hai UPI, jisse hum tum roz phone se paise bhejte hain – saman khareedne se lekar dost ko udhaar dene tak. Iska volume itna zyada hai ki 85.5% transactions iske through hote hain, par paiso ki baat karein toh total value ka sirf 9.5% hi hai. Matlab chote chote, bahut saare paison ka exchange.
Dusri taraf hai RTGS. Yeh system bade bade players ke liye hai, jaise bank se bank ya bade companies ke beech jab koi bahot badi amount ka settlement hona ho. Yahan transactions kam hote hain, sirf 0.1% volume, par har transaction mein amount itna bada hota hai ki total value ka 68.6% yeh system sambhalta hai.
Kyun Aisa Hai Yeh Scene?
RBI ki latest report keh rahi hai ki UPI ne desh mein financial inclusion aur rozmarra ki khareedari ko ekdum easy bana diya hai. Iska growth bhi dekho, volume mein saalana 55.8% aur value mein 43% se badh raha hai. Aajkal 99.8% volume aur 97.8% value ke transactions digital ho gaye hain, jo India ki Digital India journey ko dikhata hai.
Lekin bhai, ye do alag alag system hain, alag alag cheezon ke liye. UPI mein lakhon chote transactions ko manage karna, speed aur security maintain karna alag challenge hai. Wahi RTGS ko reliable aur final settlement ke liye banaya gaya hai.
Purane Trends Kya Kehte Hain?
Yeh trend koi naya nahi hai. History dekho toh technology hamesha payment systems ko naye tarikon se chalati rahi hai. Credit card jab aaye the toh retail payments mein revolution aa gaya tha. Ab dekho, debit card ka volume toh girta hi ja raha hai, saalana -24.4% se. Iska matlab UPI jaise naye aur efficient systems purani cheezon ko replace kar rahe hain.
Kahan Hai Dikkat?
Sab acha hai, par ek weakness bhi hai. Jab itne saare chote chote transactions mein fraud hota hai na, toh woh collectively bahot bada amount ban sakta hai. Aur ye jo low-value transactions ka pressure hai, woh payment providers aur banks pe aata hai. Reserve Bank ne ye bhi note kiya hai ki debit card ka usage girne se hum ek hi retail payment method (UPI) pe zyada depend ho rahe hain, jo risky ho sakta hai agar usme koi badi gadbad ho jaaye. Global market mein bhi dekho toh bank systems ek dusre se connected hain, agar kahin bhi koi shock aaya toh woh spread ho sakta hai. India mein digital fraud bhi badh raha hai, 46% tak in 2023, isliye security pe dhyan dena zaruri hai.
Aage Kya Hoga?
Future mein, UPI se roz 1 billion transactions hone ki ummeed hai FY28 tak. Lekin bhai, growth toh badhti rahegi, par ab naye uses aur system upgrades bhi chahiye. Credit card ab UPI se connect ho rahe hain, jo ek big growth area ho sakta hai. AI bhi payment security aur personalization mein madad karega. India abroad mein bhi payments ko easy banane pe kaam kar raha hai. Sabse important hai ki UPI ka inclusive growth bana rahe aur high-value settlement systems bhi safe rahein. Iske liye regulator aur nayi technology dono ka role important hoga.