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The Indian payment landscape has undergone a drastic change in the last decade. From a cash economy paper-based clearing to innovative digital payment. These initiatives include JAM provision being the catalyst for a digital payment infrastructure, Jan Dhan Yojana financial inclusion program, Issuance of Aadhar Citizen ID to billion of people and the increasing mobile phone penetration with cheap data across the country.
 
Under the vision of RBI, the next phase was to increase rapidly the digital payment footprint in the country and elevate customer experience through innovative payment. There is an increasing emphasis on merchants to modernize their infrastructure with digital solutions, account aggregation for real-time consented sharing of financial information, regulatory sandbox framework, NUE (New Umbrella Entity) for retail payments through the deployment of technologies.