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# 印度本土支付系统发展现状 印度支付市场概况 近年来，印度支付市场经历了前所未有的变革与增长。作为全球第二大人口国家，印度拥有庞大的消费群体和快速发展的数字经济，这为本土支付系统的发展提供了肥沃土壤。随着智能手机普及率提升和互联网基础设施改善，印度正在经历一场支付革命。 主要本土支付系统 1. UPI（统一支付接口） UPI是印度最具代表性的本土支付创新，由印度国家支付公司(NPCI)于2016年推出。这一系统允许用户通过移动设备即时转账，无需输入银行账户详细信息。UPI的成功在于其简单性、互操作性和实时结算能力。截至2023年，UPI每月处理超过80亿笔交易，成为全球最大的实时支付系统之一。 Keyword: 印度原生支付 2. RuPay RuPay是印度本土的银行卡支付网络，类似于国际上的Visa和Mastercard。该系统由NPCI开发，旨在减少印度对国际支付网络的依赖。RuPay卡在印度国内交易中享有较低的手续费，并得到政府大力推广，特别是在普惠金融计划中。 3. BHIM（印度移动支付接口） BHIM是基于UPI的支付应用，由印度政府推出，旨在推动数字支付普及。这款应用简化了UPI支付流程，特别适合不太熟悉数字技术的用户群体。BHIM支持多种印度语言，有助于在广大农村地区推广数字支付。 […]