भारत में अब डिजिटल भुगतान के लिए स्मार्टफोन और इंटरनेट का होना जरूरी नहीं है। भारतीय रिजर्व बैंक (RBI) ने साधारण फीचर वाले फोन के लिए ‘UPI 123PAY’ नाम से नई भुगतान सुविधा शुरू की है। इस यूनिफाइड पेमेंट्स इंटरफेस (UPI) आधारित सुविधा से देश के 40 करोड़ से अधिक सामान्य मोबाइल फोन उपभोक्ता सुरक्षित तरीके से भुगतान कर सकेंगे।
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साल 2016 में UPI की शुरुआत के करीब 6 साल बाद यह सुविधा शुरू की गई है। RBI गवर्नर शक्तिकांत दास ने कहा कि 2016 में शुरू होने के बाद से UPI का इस्तेमाल कई गुना बढ़ गया है। लेकिन, अब तक UPI की सेवाएं मुख्य रूप से स्मार्टफोन पर ही उपलब्ध है। इससे ग्रामीण इलाकों और समाज के निचले तबके के लोग इनका इस्तेमाल नहीं कर पाते हैं। RBI ने दिसंबर, 2021 में यह सुविधा शुरू करने की घोषणा थी।
