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Checkout the Digital Inclusion smallcase here- https://link.smallcase.com/6aY2DWERhtb ****** We've all used UPI and know how convenient, secure and quick it is. Rightly hailed as one of the best deep-tech innovations to have come out of India in this century, the success of the UPI model has made countries like France and USA study the financial payment system, with some like Nepal even adopting it. But a major reason behind UPI growing by leaps and bounds over the last couple of years has been the government's decision to make it free. It has made UPI the undisputed first-choice for millions of users and retailers across the country. But what if I tell you that UPI shouldn't be free, because in the long-run, making UPI free does the system more harm than good. In this video, we'll find out why UPI shouldn't be free, and if the government was to reverse its decision, what it would mean for users like you and me. ****** Sources: https://docs.google.com/document/d/1tLdwZxEWvy2gJdINTZNlfZ76hXcY_cKDCF2-x9gPWto/edit?usp=sharing ****** Research: Mohit Priyadarshi: https://twitter.com/mohitprior Editing: Ajinkya Kawale: https://www.instagram.com/ajinkya.kawale/ CharanTej: https://www.instagram.com/mograph.charantej/ Channel Manager : Ajeesh Babu: https://www.instagram.com/ajeesh_babu/ Want to work with us? Check this link! https://tinyurl.com/22pxjjtv ****** Liked the background music? I use Epidemic Sound. You can get a 30-day free trial using this referral: https://bit.ly/3A7bUx7 ****** 🗳Support on Patreon: https://patreon.com/sochyoutube 👾Discord: https://discord.gg/TxG8PXCaE2 🐦Twitter: https://twitter.com/mohakmangal 📷Instagram: https://www.instagram.com/mohak.mangal/ 👤Facebook: https://www.facebook.com/sochyoutube/ ****** Playlists 🇮🇳Indian Society: https://www.youtube.com/watch?v=X_4Ghqu5HFU&list=PL8fhH_ClXXU4gtg31tdCc9odmjkhIfkpl 🗺Geopolitics and Foreign Affairs: https://www.youtube.com/watch?v=uIqYtQzv50k&list=PL8fhH_ClXXU7Dzcd8KEsTb-5koSR8-Kgt 🧍🏽‍♀️Issues of a Young Indian: https://www.youtube.com/watch?v=dC-Ud9POYNU&list=PL8fhH_ClXXU4JXGomFlmitbBOlBhCmtC6 💰Economy: https://www.youtube.com/watch?v=EdzxclBSHrw&list=PL8fhH_ClXXU6gsb10eD-AbldHH8PRNSVF 🗳Indian Politics: https://www.youtube.com/watch?v=kDXY5qK43KQ&list=PL8fhH_ClXXU54l-si1PFBL1rf6bTiMn01 🇮🇳 Discoveries of India: https://www.youtube.com/watch?v=6xZVqaFuE3Y&list=PL8fhH_ClXXU6hBH7lOtRU-ZrSESycWLuz 📈Money, Stocks, and Crypto: https://www.youtube.com/watch?v=oQJvK-Eb2uI&list=PL8fhH_ClXXU5ZeET9dv9bCffTzbW1lK-i ****** Creative commons: Unsplash Flaticon Freepik Videvo ****** Markers 00:00 Introduction 01:29 How UPI Works? 02:00 5 Step Process 03:16 Pros 04:37 Pro - Access to better data 06:13 Pro - Cash is expensive and insecure 06:57 Pro - Cash drives a Shadow Economy 07:29 Con - Unsustainable for banks 08:11 Con - Unsustainable for payment gateways 08:50 Con - Stifling of growth and Innovation 09:23 Solution

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