International Journals of Multidisciplinary
Research Academy (IJMRA)

Abstract:
With the rapid usage of digital payment systems in India, the Unified Payments Interface (UPI) has become one of the most widely used platforms for real time financial transactions [6] [7]. It enables seamless and instant transfer of funds between bank accounts and making it a preferred choice for millions of peoples. despite its efficiency and scalability, transaction failures continue to occur due to various reasons such as bank server overload, network instability, high transaction traffic during peak hours and delays in interbank communication.
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