2021年12月3日

2021年12月2日，FSS(金融软件和系统)统一支付接口(UPI)套件现在将支持evoucher;此举有望加快印度金融服务不足人群采用数字支付的速度。在FFS UPI中加入evoucher的目的是，无论受益人是否有银行账户，客户都可以实时地将资金转移到任何移动号码上，以实现特定的目的。对于低收入、没有银行账户的客户来说，eVoucher可以作为资金来源，并作为进入数字系统的入口。该服务的工作原理很简单:客户可以通过调用支付服务提供商的UPI应用程序或手机银行应用程序来生成eVoucher。然后，他们必须指定受益人、金额和商家的手机详细信息，在那里可以兑换凭证。在后端，FSS UPI系统授权交易，并以QR或SMS数字字符串的形式将凭证传输到受益人的移动设备。在印度，疫情使数字支付的普及速度加快了大约5到10年。印度UPI每月处理创纪录的35亿笔交易，代表了印度增长最快的支付轨道，这突显了对数字支付日益增长的需求。目前，UPI服务的采用仅限于参与银行的客户。但随着eVoucher的推出，银行支付服务提供商将能够利用无处不在的移动电话服务，为无银行账户的用户提供服务。 India currently has around 1.1 billion active mobile users, of which 500 million are situated within rural areas. As it’s possible to send the eVouchers through SMS or QR codes , it eliminates the need for customers or merchants to invest in additional infrastructure. With this in mind, it will allow payment service providers to start launching new customer-centric propositions including payroll services, supplier payments and gift vouchers, that are all able to exist and function through a mobile device alone. Jaishankar A L, CEO, FSS Paytech Speaking on the launch, Jaishankar A L, CEO of FSS Paytech, said: “India’s UPI is globally recognised as the most advanced real-time payments infrastructure and accounts for an approximate 73% of total digital transaction volume within the country. The UPI platform is one of FSS’ flagship products and we are excited to launch the UPI eVoucher, enabling bank PSPs to bring new innovations that benefit multiple customer segments and strengthens India’s digital economy.” The FSS UPI platform is trusted by leading bank PSPs in the country. The FSS UPI platform supports standard interfaces for integration with third-party fintech systems. In addition, FSS UPI mobile SDK provides third-party providers — banks, fintechs, retailers, wallet providers – a quick out-of-the-box integration capability, for embedding UPI payments into existing apps.