UPI is just a simpler IMPS(which used mobile number) with email address like handle which again is either mobile@bank or email/name@bank just like Venmo. Nothin

UPI is just a simpler IMPS(which used mobile number) with email address like handle which again is either mobile@bank or email/name@bank just like Venmo. Nothing revolutionary at all. There is no customer care that you can call & have your problems addressed, you still need to go to your bank for any issues or refunds coz for some reason Indians are not exactly entrusted with being able to raise chargebacks