印度的数字支付猛增,2025年初UPI驱动了99.8%的零售交易和50%的私人消费。 India’s digital payments surged, with UPI driving 99.8% of retail transactions and 50% of private consumption in early 2025.

印度的数字支付生态系统正在迅速扩大,在UPI的领导下,数字渠道在26财政年度的Q1中占零售量的99.8%,它处理了549亿笔交易。 India’s digital payments ecosystem is rapidly expanding, with digital channels accounting for 99.8% of retail transaction volume in Q1 FY26, led by UPI, which processed 54.9 billion transactions. 5.04亿人使用的UPI占总量的近90%,预计到28财政年度将达到每天交易10亿次。 UPI, used by 504 million people, dominates with nearly 90% of volumes and is projected to hit 1 billion daily transactions by FY28. 数字支付现在占私人消费的50%,虽然现金仍占50%的份额,表明是混合系统。 Digital payments now make up 50% of private consumption, though cash remains at a 50% share, indicating a hybrid system. 信用卡正在成为增长顶尖的部分,预期到30财政年度将翻一番,而借记卡使用量则下降。 Credit cards are emerging as the top growth segment, expected to double by FY30, while debit card usage declines. 互联网接入和智能手机的采用不断提升,促进了金融普惠性,AI、信贷一体化和跨境UPI等创新正在形成一个安全、包容、未来就绪的支付环境。 Rising internet access and smartphone adoption have boosted financial inclusion, and innovations like AI, credit integration, and cross-border UPI are shaping a secure, inclusive, future-ready payments landscape.