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Abstract
This review article explores the evolution, current state, and future prospects of India's payment and settlement systems. Over the past few decades, these systems have undergone significant transformations driven by technological advancements, regulatory reforms, and the burgeoning demand for efficient financial transactions. The article examines the diverse instruments and platforms that constitute India's payment infrastructure, highlighting the pivotal role of regulatory bodies in shaping its development. Furthermore, it discusses the profound impact of digital innovation on enhancing financial inclusion and accessibility. This review aims to provide a nuanced understanding of how India's payment and settlement systems have evolved to support a robust financial ecosystem.
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