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Besides an increase over last month, the month of October also saw the highest number of average UPI transactions in a day.
The court has sought a response from India's largest lender after crypto traders were barred from transferring funds via UPI.
PhonePe's recent decision may be an experiment to achieve compliance with the NPCI guidelines on market share.
Vidhi Centre for Legal Policy suggests a new retail payments law that keeps up with the changing payments landscape in India.
While UPI transactions have been growing consistently, this month saw a drop in the average amount exchanged per transaction.