You need to research better before forming and sharing wrong opinions about world's most popular payments system: UPI.

UPI will work even without a smartphone, it will work on even with a basic feature phone, using USSD codes! That's called UPI 123PAY.

https://www.msn.com/en-in/money/news/upi-without-smartphone-...

This feature allows rural populations, poor people, small merchants, etc., to send and receive UPI payments, even without a smartphone.

So UPI has no dependency on Google or Apple, it can work on any basic phone that supports USSD codes feature!

A key patent on this is held by a friend of mine. He tried to monetise this tech way before operators were ready.

I forget what the company was called, m-pay or something like that.