UPI-Based Cardless Cash Withdrawal: Enabling Secure Cash Access without Cards
India’s ATM infrastructure is experiencing a structural shift. Monthly ATM withdrawal volumes have declined from 57 crore transactions in January 2023 to 52.72 crore in January 2024, reaching 48.83 crore by January 2025—a 14.3% drop in 24 months. This showcases a fundamental reallocation of how consumers access physical currency. Meanwhile, UPI transactions in January, 2025 …
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