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In recent years, mobile payments have become a driving force in the global transition toward digital finance, reshaping how individuals and institutions interact with money. Brazil and India, two of the world's most populous and digitally ambitious economies, have developed robust payment infrastructures through Pix and Unified Payments Interface (UPI), respectively. These systems reflect not only technological innovation but also broader efforts to enhance Financial inclusion, modernize Monetary policy, and assert digital sovereignty. This chapter examines the evolution of mobile payments in both countries, the public–private partnerships that underpin their success, and the growing role of CBDCs in shaping the future of financial ecosystems.

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Mobile Payments: Pix in Brazil and UPI in India

  • 章节

  • 发表日期：

    2025年

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  • Mark Mobius,
  • Lourdes Casanova,
  • Sharwari Pandit,
  • John Ninia

摘要

In recent years, mobile payments have become a driving force in the global transition toward digital finance, reshaping how individuals and institutions interact with money. Brazil and India, two of the world's most populous and digitally ambitious economies, have developed robust payment infrastructures through Pix and Unified Payments Interface (UPI), respectively. These systems reflect not only technological innovation but also broader efforts to enhance Financial inclusion, modernize Monetary policy, and assert digital sovereignty. This chapter examines the evolution of mobile payments in both countries, the public–private partnerships that underpin their success, and the growing role of CBDCs in shaping the future of financial ecosystems.