[perryizgr8]

> UPI is unreliable

I have made thousands of UPI payments, make at least 1 payment daily, and never has a payment failed after telling me it has succeeded. I get an immediate fail/pass and that has never been wrong.

> I find Bank transfer like IMPS/NEFT more reliable than UPI.

I find NEFT to be very unreliable in the time it takes to complete the transaction.

I think the main driver of UPI adoption is the immediate nature. It is as fast or faster than transacting in cash. NEFT/IMPS etc need you to add payee, confirm addition using 2 factor, wait for 24 hours to get it unlocked, then the actual payment also takes at least a couple of hours, it doesn't work on weekends. UPI is literally 10 seconds from scanning QR code to the shopkeeper getting a confirmation on their phone. It takes more time to deal with cash!