"I've noticed a significant increase in my spending ever since I started using UPI for my purchases,’ says Riya, a 26-year-old software engineer at an IT firm based in Bangalore. The ease of making online payments with just a few taps has changed my shopping behaviour, now I order things that I have no immediate need for," She adds. Riya's experience is hardly unique. Many Indians today find themselves affected by the nature of seamless cashless transactions, resulting in more spending than they need. “I love UPI! It’s a fantastic way to spend money without dealing with change or carrying cash. You can make payments from just one rupee to Rs 1 lakh in one go. It’s one of the best things in this progressive era,” a person said in a survey conducted by IIIT Delhi.