印度数字支付今年增长12.6%

根据印度储备银行数字支付指数 (RBI-DPI)，截至 2024 年 3 月，印度的数字支付数量升至 445.50，而 2023 年 3 月为 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.

印度储备银行数字支付指数 (RBI- DPI），衡量数字支付在印度的渗透率。

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 日起一直在发布综合 RBI-DPI，以 2018 年 3 月为基础，了解全国支付数字化的程度。

“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：“在此期间，由于全国支付绩效和支付基础设施的显着增长，印度央行-DPI 指数的所有参数均有所增加。”

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.

根据 Statista 分析，RBI 的指数衡量基于五个参数：支付推动因素（25%）、支付基础设施需求方因素（10%）、支付基础设施供应方因素（15%）和支付绩效（ 45%）。后者包括数字支付、流通货币和现金提取的价值和数量。最后，以消费者为中心（5%），需要意识和教育、拒绝、欺诈和系统停机的数量。

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.

全球增长最快的主要经济体中数字支付基础设施的增长是废钞令的结果。 2016年11月8日，印度总理纳伦德拉·莫迪在电视广播中宣布，印度卢比汇率为： 500 卢比。 1,000 张纸币将不再是法定货币。这导致该国 86% 的流通货币被废止。此举旨在扣押未申报的收入、销毁假币并加速该国的数字支付。

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.

印度储备银行和印度国家支付公司 (NPCI) 推出了多样化的数字支付格局，这种格局在过去几年中一直呈倍增趋势。

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.

根据咨询公司 Kearney 与 Amazon Pay（纳斯达克股票代码：AMZN）联合开展的一项调查显示，数字支付方式约占印度商家总交易量的 69%，其中包括水果和鲜花摊贩等街头摊贩、食品摊位和小商店加入数字支付革命。平均而言，这些供应商几乎一半的付款都是通过数字方式收到的。

“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.

“与印度的数字化进程相一致，零售数字支付在过去五年中急剧增长——从 2018 财年的 3000 亿美元增长到 2024 财年的 3.6 万亿美元。到 2030 财年，这一数字可能会翻一番，达到 7 万亿美元。”调查称。

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.

调查指出，统一支付接口 (UPI) 一直是这一增长的关键驱动力，2018-2024 财年其交易量的复合年增长率 (CAGR) 为 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.

这家亚洲巨头于 2016 年推出了 UPI，它可以使用手机进行即时转账，并作为访问不同银行账户的单一移动应用程序。到目前为止，它已扩展到巴黎、卡塔尔、阿联酋、秘鲁、毛里求斯、斯里兰卡、新加坡、法国、不丹和尼泊尔，每月处理超过 130 亿笔交易。