October 3 – World Temperance Day: A Reminder of Balance for Digital Finance
The Citizen Advocate Summary: Declaring
April 11 as Safe ePay Day
Proposing April 11 as Safe ePay
Day to mark UPI’s pilot launch on April 11, 2016, by NPCI with 21 banks,
initiated by Dr. Raghuram G. Rajan in Mumbai. This initiative celebrates UPI’s
seamless integration of banking and merchant payments.
October 03 – Appeal No 129
April 11 – Declare ‘Safe ePay
Day’,
Yes, April 11 is vacant in the UN
Observance Day calendar
UPI
10th Birthday -April 11 2026 – 190
Days to Go
October 3 –
World Temperance Day: From Lifestyle Safety to Digital Safety
World Temperance Day (Oct 3) highlights balance and
responsibility. Safe ePay Day (Apr 11, Proposed) extends that wisdom to secure
digital payments.
🌍 October 3 – World
Temperance Day: Balance, Responsibility & The Joy of Safe ePayments
🔑 Some
background:
On October 3, the world pauses to reflect on World
Temperance Day, an observance rooted in responsibility, moderation, and the
pursuit of safety in our daily lives. While it historically addressed alcohol
and social behaviour, its deeper message is timeless: a safer world begins
with responsible choices.
Fast forward to the digital age, and responsibility takes a
new form — how we manage our financial lives online. This is where April
11 – Safe ePay Day (Proposed) steps in, bringing forward the same values of
balance, responsibility, and protection into the digital payments space.
⚖️ World
Temperance Day – A Brief Overview
World Temperance Day is observed annually on October 3,
commemorating the efforts of temperance movements that emerged globally in the
19th and 20th centuries. These movements sought to address societal harm caused
by excessive alcohol consumption, advocating for moderation or abstinence.
Core Themes of Temperance:
- Balance:
Moderation in choices.
- Responsibility:
Protecting oneself and the community.
- Safety:
Avoiding harm through mindful behaviour.
|
Value |
Temperance
Day (Oct 3) |
Safe ePay
Day (Apr 11, Proposed) |
|
Balance |
Moderation in
lifestyle |
Balance between
convenience & safety |
|
Responsibility |
Mindful choices |
Responsible use
of digital payments |
|
Safety |
Protecting
communities |
Securing
individuals from fraud/scams |
💳
Extending the Spirit of Temperance to Digital Finance
Today, our lives revolve as much around digital wallets,
UPI, net banking, and cards as they once revolved around physical cash.
With this shift comes new risks: phishing, fraud, scams, and identity
theft.
Just as temperance campaigns protected society from
physical harm, Safe ePay Day envisions protecting society from digital
harm.
The lesson is simple: Responsibility
is timeless, whether it is in the choices we drink, or the choices we click.
🌐 April 11
– Safe ePay Day (Proposed)
Safe ePay Day is envisioned as a global observance
dedicated to secure, responsible digital financial practices.
- Date
proposed: April 11
- Tagline: The
Joy of Safe ePayments
- Focus:
Awareness, prevention, and celebration of safe financial transactions.
Why April 11?
April sits strategically in the financial calendar — after the
end of the fiscal year (March 31 in India) and ahead of the new
financial planning season. It is the perfect time to highlight the discipline
of safe digital behaviour.
📊
Responsibility in Numbers
To highlight the urgency, here’s how digital payment trends
mirror the need for a Temperance-like movement in finance:
|
Year |
Digital Payment Volume (India, UPI Billion
Txns) |
Reported Fraud Cases (RBI Data, Thousands) |
|
2018 |
0.54 |
2.5 |
|
2020 |
2.23 |
7.4 |
|
2022 |
7.4 |
9.5 |
|
2024 |
14+ (est.) |
11+ |
Observation: Growth in digital adoption is
exponential, but fraud cases are also rising. Hence, awareness = prevention.
✨ Linking
October 3 & April 11
On October 3 – World Temperance Day, we talk of responsibility
in life. On April 11 – Safe ePay Day (Proposed), we extend that same
discipline into financial life.
- Temperance
= Protecting communities from lifestyle risks.
- Safe
ePay = Protecting communities from digital financial risks.
Both observances remind us: freedom is best enjoyed when
exercised responsibly.
🛡️ The
Citizen Advocate’s Perspective
As a Citizen Advocate for Safe ePay Day, the vision is
not to replace other observances but to intertwine values. Just as World
Temperance Day calls for moderation in personal behaviour, Safe ePay Day calls
for moderation in digital behaviour:
- Don’t
click blindly.
- Don’t
overshare financial information.
- Don’t
ignore safety protocols.
These are modern extensions of the temperance principle.
🌱 Call to
Action – Building Digital Responsibility
How can individuals celebrate World Temperance Day and Safe
ePay Day together?
|
Action |
Lifestyle
Temperance |
Digital
Temperance (Safe ePay) |
|
Practicing
balance |
Moderation in
habits |
Balanced use of
apps & platforms |
|
Taking
responsibility |
Family &
community safety |
Secure
passwords, 2FA, vigilance |
|
Preventing harm |
Avoiding
excesses |
Avoiding
phishing & scams |
|
Celebrating
safety |
Sobriety & mindfulness |
Joy of safe
digital transactions |
💡 Just remember:
"October 3 reminds us: Safety begins with
responsibility. April 11 extends that reminder: Joy begins with safe
ePayments."
🎯
Conclusion
October 3 – World Temperance Day is not just about
alcohol or lifestyle. It is about a universal value: responsibility leads to
safety.
April 11 – Safe ePay Day (Proposed) takes this same
universal value into the digital era. As the world embraces cashless living,
the call for responsible, mindful, and safe ePayments becomes stronger.
The dream is clear: a day when citizens across the world
celebrate digital safety with the same pride as they celebrate freedom, unity,
or temperance.
🌐 The Joy
of Safe ePayments
💳
Nayakanti Prashant
Citizen Advocate – Safe ePay Day
🌿💳🧠🌍Appeal for Safe ePay Day 🌟
## Call to Action
I urge governments, financial institutions, businesses, and
communities worldwide to join hands in declaring April 11 as **Safe ePay Day**.
Let’s celebrate UPI’s milestone by making **Safe ePay Day** a
global movement for secure, innovative fintech.
Together, we can build a future where financial access is
universal, and every e-payment is safe—starting with **Safe ePay Day** in 2026.
No Vada Pav,
not even one bite,
Till SafeePay Day takes off in flight.
Quirky vow with a Mumbai flair—
Announce the date, and I’ll be there!
📌
References
1. Nayakanti,
P. (2025, September 7). September 07 — National Buy a Book Day and April 11
— Safe ePay Day: Building Trust, One Page and One Payment at a Time.
Medium.
Retrieved from https://medium.com/@nshantin/september-07-national-buy-a-book-day-and-april-11-safe-epay-day-building-trust-one-80483f34d7e7
2. Nayakanti,
P. (2025, August 13). 218th Lalbagh Flower Show via RV Road Interchange!
Innovation in Banking.
Retrieved from https://innovationinbanking.blogspot.com/2025/08/august-13-metro-rides-blooms-218th.html
Prashant Nayakanti. (n.d.). LinkedIn profile. Retrieved
September 2025, from
https://in.linkedin.com/in/prashantnayakanti
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