सरकार, <span class="key-term" data-definition="Reserve Bank of India — India’s central banking institution responsible for monetary policy, currency regulation, and financial stability (GS3: Economy)">RBI</span> और <span class="key-term" data-definition="National Payments Corporation of India — the umbrella organization that operates retail payment and settlement systems in India, including UPI (GS3: Economy)">NPCI</span> ने डिजिटल भुगतान को तेज किया है, जिसमें <span class="key-term" data-definition="Unified Payments Interface — a real-time payment system that enables inter‑bank transactions via mobile devices, now the world’s largest retail payment system (GS3: Economy)">UPI</span> FY 2024‑25 में रिटेल डिजिटल लेन‑देन का 81 % हिस्सा बन रहा है। <span class="key-term" data-definition="Incentive Scheme for Promotion of Digital Payments — a government scheme offering cash incentives to merchants and users to adopt digital transactions (GS3: Economy)">Incentive Scheme for Promotion of Digital Payments</span>, <span class="key-term" data-definition="Payment Infrastructure Development Fund — a fund created by RBI to support deployment of digital payment infrastructure in underserved areas (GS3: Economy)">PIDF</span> और धोखाधड़ी‑रोकथाम उपकरण जैसी पहलों ने पहुँच का विस्तार किया है जबकि साइबर‑सुरक्षा चुनौतियों को उजागर किया है।