but while I have this story to trash an incompetent vendor with some massive political backwind... let me praise UPI as a whole I was sceptical, there were techbical dififculties at first but the scale of adoption, and creating a free, realtime payment instrument was incredible to see at India scale People eg in the US cannot imagine something like UPI serving 2-3x the US popularion

I will have to admit that I ran into this before story time: don't ask me how (b/c even I don't know) but at Uber, in Amsterdam, my team (Rider Payments) owned all Indian payment methods: PayTM, credit cards (via Zaakpay), UPI, and... Jio Money Jio Money was this absolute BS piece of crap: reliablity like 98% or less (terrible), constant downtime, barely anyone used it. Our team suggested to do the needful: drop the whole damn thing. It's unreliable, no one uses it Apparently it was added in to satisfy some Very Important People in power in India Which is fine: but why did it not work? Never got an answer I made the exec decision to turn off all alerting. We knew it was broken; told the team it was broken; no one seemed to care; but apparenty it was some soft mandate to stay in someone's good graces This was 2017 or 18 so long time ago, but still a weird story. I'm most surprised by how no one cared that CUSTOMERS could not use this thing