Breaking Barriers to Financial Access: Cross-Platform Digital Payments and Credit Markets
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Can cross-platform digital payments improve credit access at scale? We study this question using Indias launch of the Unified Payments Interface (UPI), a nationwide cross-platform payment system. Using rarely available data on the universe of consumer loans, we show that digital payments increased
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美国国家经济研究局创建时间：
2024-12-01
