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Debit cards passe, credit cards and UPIs are in
The New Indian Express Kozhikode
|February 25, 2026
SHIFTING PATTERNS OF PAYING INSTRUMENTS
SINCE 2023, the volume and value of transactions processed through UPI and credit cards have displaced cash and traditional card usage, signalling a structural shift in how consumers and businesses transact, the data from the Reserve Bank of India (RBI) shows. The UPI ecosystem has seen the most spectacular growth in this period.
The number of its QR codes rose from 24.42 crore in 2023 to 73.84 crore in 2026, showing the rise of small-ticket transactions. The steepest jump came between 2024 and 2025, when the base doubled from 32.14 crore to 64.01 crore.
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