The conversation between human and AI assistant.
How much Unified Payment Interface (UPI) would be more secured - safe - payment mode than all prevailing payment options?
That sounds interesting. Can you tell me more about this two-factor authentication process?
Sure. The first factor is a unique PIN that is set by the user, and the second factor is either a biometric scan or an MPIN that is also set up by the user. This ensures that only the authorized user can carry out transactions using their UPI account.