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Diffusion of Digital Payments in India – Insights based on data from PhonePe Pulse

Author

Listed:
  • Mansi Kedia

    (Indian Council for Research on International Economic Relations (ICRIER))

  • Aarti Reddy
  • Sanjana Shukla

Abstract

Digitalisation of payments is a global trend, with the COVID-19 pandemic having triggered accelerated adoption. While India has been at the forefront of this transition, there is little understanding of how the Unified Payments Interface (UPI), India's real-time digital payment system, has diffused and the extent of its inclusive scaling within the country. The paper relies on state and district level data from PhonePe, the largest digital payments platform in India, to better understand the heterogeneity in patterns of diffusion across states and districts of India. Data from various other sources are used to examine how socio-economic factors correlate with diffusion.

Suggested Citation

  • Mansi Kedia & Aarti Reddy & Sanjana Shukla, 2024. "Diffusion of Digital Payments in India – Insights based on data from PhonePe Pulse," Indian Council for Research on International Economic Relations (ICRIER) Working Paper ipcide01, Indian Council for Research on International Economic Relations (ICRIER), New Delhi, India.
  • Handle: RePEc:bdc:wpaper:ipcide01
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