Latest / The Emerging Markets Podcast with Fexingo: Developing Economies, Growth, and Investment
How India Built The Digital Payments Rail
India’s Unified Payments Interface has processed over one hundred billion transactions annually, creating a real-time payment rail that rivals major economies in volume. Lucas and Luna examine how this public infrastructure project lowered transaction costs, displaced cash usage, and forced global fintech players to adapt or exit. We look at the specific regulatory choices that made UPI possible, from interoperability mandates to zero-merchant fees, and why other emerging markets are struggling to replicate this model despite having similar technological ambitions.
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The skinny
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