You need to research better before forming and sharing wrong opinions about world's most popular payments system: UPI. UPI will work even without a smartphone,

You need to research better before forming and sharing wrong opinions about world's most popular payments system: UPI. UPI will work even without a smartphone, it will work on even with a basic feature phone, using USSD codes! That's called UPI 123PAY. https://www.msn.com/en-in/money/news/upi-without-smartphone-rbi-s-new-feature-allows-upi-payments-via-basic-phones-here-s-how/ar-AA1FvTHK https://www.msn.com/en-in/money/news/upi-without-smartphone-... This feature allows rural populations, poor people, small merchants, etc., to send and receive UPI payments, even without a smartphone. So UPI has no dependency on Google or Apple, it can work on any basic phone that supports USSD codes feature!