ADB亚洲开发银行：2024年利用印度统一支付接口的经验教训促进亚太地区的数字化转型报告（英文版）

As digitalization rapidly transforms the financial landscape, lessons from India’s Unified Payments Interface (UPI) offer valuable insights for the Asian Development Bank (ADB) developing member countries (DMCs). Many countries trying to adopt digital payments face multiple barriers. These include a lack of access to digital payments due to limited payment infrastructure, low smartphone penetration rates, and expensive or poor internet coverage. In addition, lack of clarity or poorly defined reg