In 2025 India, living in a metro city without a UPI app is almost unimaginable. At almost every step of the day, you are required to take out your phone and make a payment. Whether you are buying a metro ticket, paying a cab driver, ordering food, buying fruits, enjoying a tea break with your colleagues, paying at a salon, refilling your fuel tank, splitting the bill after dinner, or even making a donation at a temple, everything happens through a scan-and-pay moment.

UPI apps have made life and daily expenses extremely convenient. One no longer has to worry about keeping change, handling cash, or even carrying a wallet. Just a quick tap, and the payment is done. However, many young urban Indians are now taking a break from UPI apps and going cash-only to curb unnecessary spending and sav

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