spend more on cash over UPI
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use a standalone UPI like slice. you will ave to load first to spend. so you will know how much and where it is going.
I agree slice PPI UPI wallet is more better (NOT ONLY SLICE you can use separate bank account as well many use this method just to avoid cumbersome Rs.10 transactions in bank statement so maintaining separate bank account for UPI purpose only)
but still physical money in your purse makes you feel it and count it , and these online PPI UPI wallet (including slice) and 2nd bank account for UPI, wont let you have that count feel of physical cash IN MEMORY EVERY TIME YOU SPEND
at the end of the day you will spend more online if its digital cash:) AS YYOUR MIND WONT COUNT IT , THE APP COUNTS IT SO YOU WONT FEEL THE BURN
so the problem is digital cash handling:)
this overspending not only applies for UPI this applies for debit and credit card too:) whoever uses it
Agree