https://www.moneycontrol.com/news/business/i-havent-carried-a-wallet-anywhere-in-india-this-month-says-jay-kotak-11238081.html
Hails UPI, says be it street snacks, medicines, restaurants or tips, all the payments done through UPI. The average UPI transaction cost is near 0 compared to around one percent for cards, says Kotak
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