With Diwali just a day away, many of us are busy with last-minute shopping. While demonetization and the Covid pandemic forced us to adopt cashless transactions, the introduction of Unified Payments Interface (UPI) has taken things to another level, for both online and offline shopping. In a study by travel and lifestyle rewards company InterMiles across almost 1,700 people, 20 per cent of respondents said they preferred transactions via UPI (among people opting for cashless transactions such as cards, e-wallets, etc.).