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I also heard that the UPI system is open to expats in many countries outside of India. the payment system is going huge.

Very interesting. For someone living in such a convenient country, it may seem ridiculous to stand in line at an ATM.

Not all of the users are tech savvy. There is a learning curve that needs be covered first.

That's great. In Japan, most banks do not allow money transfers outside of business hours. At night, on holidays, you can operate remittance, but the money will not arrive. It is inconvenient.