I’m trying to figure out how to send $6000 from my Chase bank account to my wife’s Chase account for our income tax payment and the answer is to either:
- Write a free paper check
- Send $2000 for 3 days through Zelle
- Pay $25 for a wire transfer
America 
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Well it's less of RBI n more to do with NPCI making different products. Now RBI feels NPCI is not innovating enough, and has allowed other consortiums to bid for NUE (National Umbrella Entity) license n compete with NPCI. WhatsApp/Facebook has tied up with Reliance for it.
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Gonna be interesting to see who all get the license, and how they build a product as successful as UPI. WhatsApp, Amazon, Google in different consortiums are all kings of user behaviour n product adoption. Looking forward to see how things unfold.
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