印度的UPI在2025年处理了81%的数字支付,成为世界上最大的实时系统。 India’s UPI processed 81% of digital payments in 2025, becoming the world’s largest real-time system.

在2025财政年度,印度的统一支付接口(UPI)处理了大约81%的零售数字支付交易,使其成为世界最大的实时支付系统。 In fiscal year 2025, India’s Unified Payments Interface (UPI) handled about 81% of retail digital payment transactions, making it the world’s largest real-time payment system. 交易量从22财政年度的7.18万亿美元上升到25财政年度的22.17万亿美元,价值从457.44亿卢比增加到849.12亿卢比。 Transaction volume rose from 7.18 trillion in FY22 to 22.17 trillion in FY25, with values increasing from Rs 457.44 lakh crore to Rs 849.12 lakh crore. 在广泛使用智能手机、Aadhaar认证、e-KYC以及扩大商贸准入的推动下,增长略有减缓。 Growth slowed slightly, driven by widespread smartphone use, Aadhaar authentication, e-KYC, and expanded merchant access. 网络安全风险、数字识字差距和基础设施限制等挑战依然存在,促使政府、RBI和NPCI采取保障措施并开展提高公众认识运动。 Challenges like cybersecurity risks, digital literacy gaps, and infrastructure limits remain, prompting safeguards and public awareness campaigns by the government, RBI, and NPCI.