New Delhi, Oct. 13 -- Three in four urban Indians, or 75 per cent, have used at least one financial product through their primary payment application, according to the How Urban India Pays Report 2026 released by Pahle India Foundation in collaboration with Amazon Pay.

The report revealed that while digital payments have turned into a daily routine led by Unified Payments Interface (UPI), a distinct divide remains between payment confidence and credit adoption. Although awareness of digital credit stands at 88 per cent, actual usage remains low at 31 per cent.

The study introduces the Digital Credit Inclusion Index (DCII) 2026. India secures an overall score of 55.85 out of 100, placing the nation in the "Emerging & Served" category. Am...