<ul><li>The Unified Payments Interface (UPI) is expected to witness the next wave of growth in digital payments.</li><li>Challenges include reaching the next 300 million users, focusing on Gen Z and women adoption, and addressing feature phone users.</li><li>Safety and security in onboarding new users and building trust in digital transactions are key concerns.</li><li>Emerging UPI features include credit on UPI and international expansion, which can drive consumer adoption and merchant acceptance.</li></ul>

Here’s where the next billion UPI users will come from

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