Another thing that helps this boom is, in India no one has any problem in sharing their phone number with strangers. Delivery workers, Cab drivers, Restaurant waitlist, you name it. So payment send and receive with just mobile number as the primary key becomes easier.
Wow not true at all, everybody hesitates to bring forced to give mobile number at the supermarket it cloth stores for no good reason than to feed into FB/Google in bulk.
For paying a bill you're just scanning the QR most of the time, it's only P2P like cabs/autos when you may have to scan the drivers personal QR. Gpay & others apart from BHIM tend to already generate or allow alphanumeric UPI ID.
This is one of the most unique things about India that I haven't seen in any other country - the openness and community between its citizens. Especially proud to be Indian!
There is also Virtual Payment Address (VPA) attached to account wiht legit number and bank acct which is good enough to use (share /scan QR code ) with merchant/user name.
