For all the red-tape and corruption we have here, I still think India has done a phenomenal job with UPI payments. I mean I don't even remember the last time I

For all the red-tape and corruption we have here, I still think India has done a phenomenal job with UPI payments. I mean I don't even remember the last time I used my credit card considering I have even forgotten the pin codes now. One or two other thing I love about these UPI payments is that it doesn't seem to incur any 2 or 3% commissions(1) which is both great for the consumer and the merchant (as these costs would eventually be passed to the customer anyway). Also almost every cc machine, website and panwala has a the QR codes now so no need to carry a wallet or plastic cards. I can make payments of Rs.5 and that's fine. I don't even carry a wallet anymore to a mall or any place since my driver's lic/reg is in the digilocker app(2) and the credit card is the gpay/phonepe app. (1) Not really sure if there is or will be later, since I'm not a fintech person, but from what I can tell I don't see any commission on UPI payments yet. (2) https://www.google.com/search?q=digilocker+license+valid https://www.google.com/search?q=digilocker+license+valid