The Unified Payments Interface (UPI) is an innovative and user-friendly real-time payment technology system developed by the National Payments Corporation of India (NPCI). Its primary objective is to simplify interbank transactions and foster the widespread adoption of digital payments across the nation. With a staggering billion transactions per month, UPI has emerged as one of India's most favored payment options.

As technology continues to advance, banking customers will increasingly require faster, more secure, and safer methods of payment. API (Application Programming Interface) is a software intermediary which allows applications to communicate with each other and plays an integral role within the banking technology ecosystem. In the context of banking payment systems, APIs are used to facilitate the transfer of funds between different parties, such as consumers, merchants, and banks.

In an era where world-changing events are happening with greater frequency, sustainability has become increasingly important to the survival of life and commerce as we know it. The United Nations defines sustainability as “development that meets the needs of the present without compromising the ability of future generations to meet their own needs.”[1] While not necessarily the same as a large profitable private sector institution such as a bank or fintech company, the U.N. views the private sector as a valuable partner in implementing sustainability goals.