00:00I think it's true that UPI has become a global success, and I think the way I look at it is
00:05there is still a lot more growth to happen. There are still many segments of users who don't have
00:10access to digital payments, digital finance, and there's a lot of work that we can do to make sure
00:17that whether it is language, its background, its location, gender, all of these, we can break down
00:24those barriers with good design, thinking about how to do this in a responsible and inclusive way.
00:30So I think there's still a lot of work to be done, but yes, I think it helps that the global
00:36recognition makes it easier for people to have the confidence to join UPI and all the other
00:42stuff that's being developed alongside it.
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