> "here's a grid of 30 bank icons, try to find yours"... UPI exists to solve precisely that problem. It forces everyone to use a common interface. Customers ca

> "here's a grid of 30 bank icons, try to find yours"... UPI exists to solve precisely that problem. It forces everyone to use a common interface. Customers can use any app they want to access the API. They don't depend on the bank for anything except the actual Credits and Debits in your account.