More than 37,000 users joined UPI123Pay since its launch on 8th March 2022

Various steps have been taken by Reserve Bank of India (RBI) to expand the reach of UPI outside India. This was stated by Union Minister of State for Finance Dr Bhagwat Kisanrao Karad in a written reply to a question in Lok Sabha today. The steps are given below:-

  • NPCI International Payments Limited (NIPL), a wholly owned subsidiary of National Payments Corporation of India (NPCI) is devoted for internationalisation of UPI. NIPL has undertaken various initiatives across nations to enable cross-border acceptance of BHIM UPI QR at merchant establishment. These partnerships will facilitate Indian travellers to make payments using the BHIM UPI QR for all their retail purchases at international merchant establishments.
  • Currently, BHIM UPI QR has gained acceptance in Singapore (March, 2020), Bhutan (July, 2021) and recently with partners in UAE and Nepal (February, 2022). However, travel restrictions owing to the pandemic over the last two years have impacted overseas use of this facility.
  • In this regard, RBI has been facilitating engagements for the expansion of UPI in countries which have potential for collaboration. Various models of engagements being explored are as follows:

  1. Central Bank to Central Bank cooperation through an agreement or MoU;
  2. Central Bank facilitated discussion and agreement between the network and the Central Bank / Government Agency; and
  3. Network to network arrangement.

Further, the performance of UPI123Pay launched in March 2022 is as follows:

March 2022*

Users on-boarded


Balance check


Successful transactions


Successful transactions value (Rs. In lacs)


Source: RBI

*data is as on 21.03.2022



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Macrosoft CCM Best Practices Survey Results 2021 – AI Users vs. Non-AI Users

 Macrosoft conducted a Customer Communications Management (CCM) best practices survey. 584 people participated in the 21-question on-line survey.

Macrosoft believe this question is not only a bell-weather of companies that are (or are not) on the leading edge of AI but also are (or are not) on the leading edge of other advanced CCM methods and systems.

Select Survey Findings

1. The vast majority (74%) of AI-positive respondents indicate their company is already using customer mapping techniques in CCM operations.

2. 60% of AI-positive respondents indicated their company is on a single CCM communications platform, as opposed to a much lower percentage (37%) for non-AI respondents.

3. 69% of AI-positive respondents indicate their company uses the CCM platform for automated, interactive, and on-demand communications. Surprisingly, an even higher percentage of non-AI respondents (85%) use their CCM platform for the same purposes.

The complete report download, and an interactive reporting portal can be found at

Macrosoft is available to provide an industry expert who can present these results as requested to industry user groups.

Direct Questions about this survey and request for speaking engagements to

John Kullmann

VP, Technical Solutions

Macrosoft, Inc.

Macrosoft, Inc.

James Anderson




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