How QR code payment blew up in India

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Издатель
Since the dawn of times, money has been flying around everywhere. In the 21st century, humans exchange this universal currency through credit cards, buy now pay later schemes, tap to pay, etc. But just within the last decade, India chooses to pay with QR codes. Why is that? And how come it works so well specifically in India?

Sources
https://www.youtube.com/watch?v=iI2NaN_QVTI
https://paytm.com/blog/payments/upi/upi-vs-credit-card/
https://www.bis.org/publ/bppdf/bispap152_e_rh.pdf
https://stripe.com/ae/resources/more/unified-payments-interface-upi
https://business.cornell.edu/hub/2024/12/20/indias-unified-payments-interface-has-revolutionized-its-digital-payments-market/
https://economictimes.indiatimes.com/industry/banking/finance/banking/upi-crosses-20-billion-transactions-in-august-records-24-85-lakh-crore-value/articleshow/123633627.cms?from=mdr
https://www.youtube.com/watch?v=kEcdfXlyAow&t=6s
https://www.ijnrd.org/papers/IJNRD2311367.pdf
https://arxiv.org/html/2401.09937v2
https://www.hdfcbank.com/personal/resources/learning-centre/pay/is-there-any-upi-transaction-charges#:~:text=Are%20UPI%20Transactions%20Chargeable%3F&text=Most%20UPI%20transactions%20are%20free,Prepaid%20Payment%20Instruments%20(PPIs)

Timestamps
1:18 - UPI: the beautiful backbone
2:53 - Why specifically India?
4:37 - How is QR code paying secure?
5:08 - Scam strategy 1
6:01 - Scam strategy 2
7:26 - Impact on spending behavior?
9:12 - Would QR codes work in USA?
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