IndiaA study conducted by Hyderabad-based NGO Yugantar reveals that while India's Unified Payments Interface (UPI) is expanding rapidly, many women, particularly those from low-income households and the informal sector, are still not fully participating in the digital payments revolution. The research highlights that factors beyond mere access to smartphones, such as trust, confidence, social norms, and control over finances, significantly influence women's adoption of UPI. The study analyzed data from 40,552 women across 15 districts in Telangana and Andhra Pradesh, identifying three distinct groups: active users, non-users due to structural barriers, and non-users who actively reject UPI out of concern for financial autonomy and distrust. The findings emphasize that simply providing technology is insufficient; women's engagement with digital finance depends on broader socio-economic and cultural contexts.
Bias read (Center): The article presents a balanced analysis of the challenges faced by women in adopting UPI, focusing on socioeconomic and cultural factors rather than taking a partisan stance. It avoids overtly criticizing government policies or promoting specific political agendas. While the issue of digital divide
