印度數位支付今年成長12.6%

根據印度儲備銀行數位支付指數 (RBI-DPI)，截至 2024 年 3 月，印度的數位支付數量升至 445.50，而 2023 年 3 月為 395.57

India’s digital payments rose to 445.50 as of March 2024, compared to 395.57 in March 2023, indicating the South Asian nation’s growing preference for digital payments and adoption of new methods for financial transactions, according to the Reserve Bank of India’s Digital Payments Index (RBI-DPI), which measures the penetration of digital payments in India.

印度儲備銀行數位支付指數 (RBI- DPI），衡量數位支付在印度的滲透率。

The central bank said it has been publishing a composite RBI-DPI since January 1, 2021, using March 2018 as a base to capture the extent of payment digitization across the country.

印度央行表示，自 2021 年 1 月 1 日起一直在發布綜合 RBI-DPI，以 2018 年 3 月為基礎，了解全國支付數位化的程度。

“The RBI-DPI index has increased across all parameters driven by significant growth in payment performance and payment infrastructure across the country over the period,” RBI said.

印度央行表示：“在此期間，由於全國支付績效和支付基礎設施的顯著增長，印度央行-DPI 指數的所有參數均有所增加。”

According to a Statista analysis, RBI’s index measurements are based on five parameters: payment enablers (25%), payment infrastructure-demand-side factors (10%), payment infrastructure-supply-side factors (15%), and payment performance (45%). The latter includes the value and volume of digital payments, currency in circulation, and cash withdrawals. Lastly, consumer centricity (5%), and entails awareness and education, number of declines, frauds, and system downtime.

根據 Statista 分析，RBI 的指數衡量基於五個參數：支付推動因素（25%）、支付基礎設施需求方因素（10%）、支付基礎設施供應方因素（15%）和支付績效（ 45%）。後者包括數位支付、流通貨幣和現金提取的價值和數量。最後，以消費者為中心（5%），需要意識和教育、拒絕、詐欺和系統停機的數量。

The growth of digital payment infrastructure in the world’s fastest-growing major economy was a consequence of demonetization. On November 8, 2016, Prime Minister Narendra Modi declared in a television broadcast that India’s Rs. 500 and Rs. 1,000 notes would cease to be legal tender. That led to demonetization of 86% of the country’s currency in circulation. The move was intended to arrest undeclared income, destroy counterfeit currency as well as to speed up digital payments in the country.

全球成長最快的主要經濟體中數位支付基礎設施的成長是廢鈔令的結果。 2016年11月8日，印度總理莫迪在電視廣播中宣布，印度盧比匯率為： 500 盧比。 1,000 張紙幣將不再是法定貨幣。這導致該國 86% 的流通貨幣被廢除。此舉旨在扣押未申報的收入、銷毀假幣並加速該國的數位支付。

RBI and the National Payments Corporation of India (NPCI) introduced a varied digital payment landscape, which has only been multiplying in the last few years.

印度儲備銀行和印度國家支付公司 (NPCI) 推出了多樣化的數位支付格局，這種格局在過去幾年中一直呈現倍增趨勢。

According to a survey by consulting firm Kearney, in association with Amazon Pay (NASDAQ: AMZN), digital modes of payment account for about 69% of total transaction volumes for Indian merchants, with street vendors such as fruit and flower sellers, food stalls and small stores joining the digital payment revolution. On average, these vendors receive almost half of their payments digitally.

根據顧問公司Kearney 與Amazon Pay（納斯達克股票代碼：AMZN）共同進行的一項調查顯示，數位支付方式約佔印度商家總交易量的69%，其中包括水果和鮮花攤販等街頭攤販、食品攤位和小商店加入數位支付革命。平均而言，這些供應商幾乎一半的付款都是透過數位方式收到的。

“In line with India’s digital journey, retail digital payments have grown dramatically over the past five years—from $300 billion in FY18 to $3.6 trillion in FY24. By FY30, it’s likely to double to US$7 trillion,” the survey said.

「與印度的數位化進程一致，零售數位支付在過去五年中急劇增長——從 2018 財年的 3,000 億美元增長到 2024 財年的 3.6 兆美元。到 2030 財年，這一數字可能會翻一番，達到 7 兆美元。

The survey noted that the Unified Payments Interface (UPI) has been a critical driver of this growth, demonstrating a compound annual growth rate (CAGR) of 138% in its volumes from fiscal year 2018-2024.

調查指出，統一支付介面 (UPI) 一直是這一成長的關鍵驅動力，2018-2024 財年其交易量的複合年增長率 (CAGR) 為 138%。

The Asian powerhouse introduced UPI in 2016, which enables instant money transfers using mobile phones and works as a single mobile application for accessing different bank accounts. So far, it has expanded to Paris, Qatar, UAE, Peru, Mauritius, Sri Lanka, Singapore, France, Bhutan, and Nepal, processing over 13 billion monthly transactions.

這家亞洲巨頭於 2016 年推出了 UPI，它可以使用手機進行即時轉賬，並作為訪問不同銀行帳戶的單一行動應用程式。到目前為止，它已擴展到巴黎、卡達、阿聯酋、秘魯、毛里求斯、斯里蘭卡、新加坡、法國、不丹和尼泊爾，每月處理超過 130 億筆交易。