Digitalization has brought about a massive sea of change in our lives. From Artificial intelligence and robotics, technology has revolutionized numerous facets of daily life, transforming how individuals, businesses, and societies interact and transact. One such manifestation is in the form of Unified Payments Interface (UPI), a groundbreaking payments infrastructure introduced in India. The payments interface that was launched in 2016 brings about a seamless integration of technology and finance, offering an instant, and secure platform for peer-to-peer and peer-to-merchant transactions. We look at elucidating how technological innovation has fueled the proliferation of cashless payments and financial inclusion. UPI has…