The absence of real-time payments in the face of the COVID pandemic would have severely impinged on business continuity. Instant payments or real-time payments have become indispensable to our daily lives as they provide convenience in payment transactions. Financial institutions and regulators have made significant efforts to bring affordable and safe instant payment systems to the market over the past several years. Consumers can now make instant, real-time payments through UPI, CoDi, and NPP on their phones.
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