印度的UPI超过了现金作为顶级支付方法,57%的人在速度、宽松和激励措施的驱动下使用现金作为最高支付方法。 India’s UPI surpasses cash as top payment method, used by 57% of people, driven by speed, ease, and incentives.

2026年2月公布的一项政府调查显示,印度的统一支付接口(UPI)已成为最优先的交易方法,57%的受访者使用了这一方法,超过现金38%。 A government survey released in February 2026 reveals that India’s Unified Payments Interface (UPI) has become the most preferred transaction method, used by 57% of respondents, surpassing cash at 38%. 该研究基于15个州的10 378名受访者, 认为UPI自2021-22年以来, 使用方便、即时转让及政府奖励, The study, based on 10,378 respondents across 15 states, attributes UPI’s rise to ease of use, instant transfers, and government incentives totaling ₹8,276 crore since 2021-22. UPI现在占数字交易的80%,QR代码部署从9.3 crore增长到65.8 crore。 UPI now accounts for 80% of digital transactions, with QR code deployments growing from 9.3 crore to 65.8 crore. 超过65%的用户每天进行多次交易,特别是18-25岁的用户,94%的小商人接受UPI,72%的用户报告销售量较高,记录保存工作较好。 Over 65% of users make multiple daily transactions, especially those aged 18–25, and 94% of small merchants accept UPI, with 72% reporting higher sales and better record-keeping. 现金回扣激励和速度是关键的推动因素,调查结果支持了继续推进印度数字、低现金经济的政策努力。 Cashback incentives and speed were key motivators, and the findings support continued policy efforts to advance India’s digital, less-cash economy.