BS EDIT: Why UPI Can’t Afford Another Breakdown

Another UPI outage disrupts users

The sixth disruption in a year raises serious concerns about UPI’s reliability

Every minute of downtime hurts

With 600 million daily transactions, even short failures hit users and small businesses hard

Too many transactions, too little capacity?

If volumes are overwhelming systems, NPCI must scale fast

A duopoly beneath a monopoly

Two players control 90% of UPI traffic. Systemic risks are growing

More scrutiny, more competition

The RBI must act—on both oversight and creating alternatives to NPCI

Rethink UPI’s future

A viable funding model and reduced concentration are key to long-term stability