UPI Dominance 50+ billion transactions monthly Average ticket size: ₹1,500 99% uptime
Credit Card Growth 10 crore+ cards issued EMI conversions rising Reward programs evolving
BNPL Adoption Simpl, LazyPay, ZestMoney E commerce integration Lower credit limit, higher frequency
Your Statement Shows StatementGPT analyzes payment mode distribution: UPI vs card vs cash Merchant preferences Payment app usage