The paperback edition of Digital Bharat: UPI & Fintech Ecosystem – A Decade of Financial Transformation (2014–2026) By Dr Saroja Achanta is now available to order.
In little more than a decade, India moved from a cash-first economy to a world leader in real-time digital payments. Digital Bharat traces how that happened: from the JAM Trinity of Jan Dhan, Aadhaar and Mobile, through the launch of UPI in 2016, to CBDC, AI-driven credit and India Stack 2.0.
What’s inside
- The policy choices and regulatory approach of the RBI and NPCI that made UPI possible
- How demonetisation compressed years of digital adoption into months
- The fintech boom across payments, credit, insurance and wealth
- UPI’s expansion abroad and India’s payments diplomacy
- What the next decade of digital finance may look like
Who should read it
The book is written for policymakers, bankers, fintech founders, investors, students and researchers, and for anyone curious about how India rewired its financial system. Every chapter reads as both a history and a blueprint, and is backed by carefully verified sources.
“India did not just adopt digital payments. It reinvented what a payments system could look like for the developing world.” – from the book
📘 Order your paperback copy today