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Re:Why peer to peer digital payment system UPI should remain... by 2Gkashmiri on Tuesday September 13, 2022 @01:02PM (#32827045)
its like this.

your bank account has a phone number linked to it. in normal cases here is the workflow.

you install UPI. UPI app sends sms verfiying your mobile. app lists all banks. you select your "bank". you set pin. done.

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