My country India has all wellness, fauna as it is a subcontinent it has desert cold/has so it is defined my country also has a good overview in banking. India has many methods of banking / payment. It has main 5 methods of payment/banking .it also have some many varieties like methods UPI , cash, credit card , debit card and account transfer the latest of all is UPI it can be paid like the methods of barcode scanning type, phone number address etc.…, nowadays people are very much interested in UPI as they won’t need to carry cash and can make a payment in any time and any place and also it is a new invention so all are very much interested some UPI apps are google pay, Paytm and phone pay but the ;leading UPI app in India is phone pay there are many reason for phone pay to be a leading up app in India but there is a 1 major thing which is this up app is made in India this app is invented in Bangalore and it is invented in the year 2015 2nd leading app in India is the Paytm it the app mostly accepted by the merchant this Paytm is also invented in India so people give support of it that too the notable thing is that Paytm app is invented before the invention of phone pay Paytm is invented at the year 2010 but the another notable is that google play have not accepted Paytm in play store and says that it Is not safe to use the 3rd position of famous UPI app in India goes to google pay google pay is very safety and maintain privacy of people Paytm mostly feel that google pay is very safe normal people usually trust google pay google pay is invented in the year 2011 [ a year after the invention of Paytm ] cash is the next method of payment in India. the cash is the oldest method of banking this cash method is actually invented in 4th century the cash in India is INR we usually take / withdraw the cash from ATM where we get the cash at bank 40% people trust and say that all the other method of banking is not safe than the offline cash method there are many banks in India [ state bank of India, hdfc bank, karur vysya bank] Nowadays people are 60% people not interested in cash method of payment. the next type of payment in India is credit card the Mastercard and visa are most accepted credit card in India we usually use them in jewelry etc.., we usually use them when we are need in money and it is very urgent and we can after pay the money like taking a loan or awe can maximum take 50,000 so we can use it allow you to borrow money from the respective bank which you have the credit card but there are some risk if you stop using credit card they may have close it out so you at least need to use the credit card 6 month once so your credit card will not be closed out the next payment method in India is debit card the debit card it also very old as it is invented in the year 1966th year it is invented in the bank Kansas city federal bank after that bank that tried the same idea. The idea of account transfer is inspired from the way of debit card we usually pay the debit card with a help of a machine that machine name is debit card machine we scratch our debit card in the card machine this debit will be provided to all who has an account while scratching the card the cash is automatically transferred from our account to the receivers account you just need to swipe the card and type the password so we feel it as a safe and fast process. The ICICI debit card is most famous and most trusted debit card in India l. the next payment method in India is direct account transfer the invention of account transfer is on 2009 it is a big process till now it will ask the IFSC number account number and account holder and will also ask the receivers information such as IFSC number account number and the account holder name it is a very big process and maximum people are not interested in account transfer and other people will tell that it is a dangerous and cause risk in transferring the cash as if you shared some sensitive banking material such as CCV and CVC number and then the person who have you CVC and CCV number can get our cash These are some most 5 important banking method in my country India
By R. Ashmitha
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