Cashless Nation by Santanu Paul and B. Sambamurthy tells how UPI transformed India’s payments landscape—technology, institutions and collaborations behind the digital payments revolution.
Cashless Nation by Santanu Paul & B. Sambamurthy is the story of how UPI changed everything. Few technologies have reshaped a nation’s habits as quickly—or as profoundly—as UPI. In less than a decade, it transformed how India does business, breaching barriers of literacy, language, culture and geography to connect everyone from street vendors to global corporations through a simple, instant and robust payments network.
About Cashless Nation
Its success can seem almost inevitable in hindsight. But every one of those crores of daily transactions is founded on vision, technological ingenuity, institution building, improbable partnerships and years of painstaking effort. We use UPI almost without thinking about it, but the story behind it is anything but simple. Spun as a taut, lucid, fast-paced tale by industry veterans Santanu Paul and B. Sambamurthy, Cashless Nation chronicles a nation reimagining the relationship between citizens, markets and the state—and creating a model that has captured the world’s attention. Penguin Business hardback: ISBN 9789377300517, 336 pages, August 2026. Official listing: Penguin Random House India.
