(Appeal No. 169 – For the Proposed Safe ePay Day on April 11 | 146 Days to Go – UPI 10th Birthday on April 11, 2026)
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.
The Citizen Advocate
Summary: Declaring April 11 as Safe ePay Day, please movethebarrier.blogspot.com/April11
UPI @ 10:
How International Day for Tolerance Strengthens India’s Case for Safe ePay Day
(April 11 – Proposed)
International Day for Tolerance meets Safe ePay
Day.
A 146-day countdown to UPI @ 10 — exploring digital trust, user empathy, and
India’s vision for safer ePayments.
⭐ **UPI @ 10 and the Digital Harmony Movement:
Why International Day for Tolerance Must Inspire Safe ePay Day
(April 11 – Proposed) **
A deep dive into digital trust, user empathy, safe behaviour,
fraud prevention, and the emerging idea of Digital Tolerance — the
emotional backbone of India’s next decade of digital payments.
Featuring the new WHAT IF proposal:
🌐 India’s First Digital
Harmony Index — A National Score for Trust, Safety & Digital Behaviour
🌍 International Day
for Tolerance × Safe ePay Day
Building a Culture of Digital Trust for 1.4 billion
Indians
Every year on November 16, the
world observes the International Day for Tolerance, a UN-led reminder
that peaceful societies are built on trust, empathy, respect, and shared
responsibility.
These same pillars define the backbone of India’s digital
payments revolution.
As UPI approaches its 10th birthday, India must
recognise something fundamental:
Digital payments succeed not only because of technology —
but because of digital tolerance.
Digital tolerance means:
- respecting
different levels of digital literacy
- empathising
with new or unsure users
- supporting
victims of fraud
- being
patient during mistakes
- helping
others stay aware
- strengthening
trust, not judgement
International Day for Tolerance gives India the perfect
opportunity to elevate digital tolerance into a national movement through Safe
ePay Day (April 11 – Proposed).
🔹 Observance Bridge: Tolerance → Awareness → Safe Behaviour → Digital Trust
If tolerance creates harmony in society,
digital tolerance creates harmony in digital society.
This continuum connects today’s observance to India’s payments
future:
Tolerance → Awareness → Secure Behaviour → Digital Trust
April 11 can become India’s annual day to strengthen this
continuum, especially as UPI enters its next decade.
🟦 Why the International Day for Tolerance Matters in a
Digital India
✔ Respect
for Digital Diversity
India’s digital journey is not uniform.
Some citizens transact confidently; others fear fraud.
Some navigate apps easily; others hesitate.
Digital tolerance embraces all.
✔ Patience
in an “instant world”
UPI payments happen in 1 second,
but learning takes time.
Digital tolerance balances speed with empathy.
✔ Reducing
Judgment
Instead of:
“Why did you click that link?”
we move toward:
“How can we teach this better?”
“How can platforms prevent this by design?”
✔
Encouraging Safer Habits
People learn better when they feel supported, not shamed.
Safe ePay Day promotes a culture where citizens help citizens.
🌼 The Heart of Digital Tolerance
Trust + Empathy +
Awareness + Action
Digital payments are emotional.
A scam does not just cause financial loss — it creates fear, guilt, and
hesitation.
Digital tolerance protects these emotions by building:
- safer
habits
- clearer
communication
- supportive
communities
- secure
digital identity
🟩 Why Tolerance Aligns Naturally with Safe ePay Day
Both observances honour:
- responsibility
- respect
- safety
- citizen
awareness
- empathy
for vulnerabilities
- inclusion
across all age groups
Safe ePay Day becomes the annual bridge between what tolerance
represents emotionally and what digital safety represents practically.
🟦 UPI @ 10: India’s Journey From Speed to Safety
UPI’s first decade delivered:
- speed
- scale
- inclusion
- interoperability
- global
interest
UPI’s next decade must deliver:
- trust
- user
empathy
- safety-by-default
- strong
redressal
- fraud
minimisation
- digital
harmony
Safe ePay Day becomes the national commitment for the next
phase.
🟧 Citizen Story Snippet — Digital Tolerance in Action
Ravi, a 64-year-old retired teacher, lost ₹3,500 after
scanning a fake courier QR code.
What restored his confidence was not only the bank’s support,
but the patience of neighbours who taught him:
- how
to recognise fake QR codes
- how
to disable screen sharing
- how
to report suspicious numbers
This is digital tolerance.
This is why Safe ePay Day matters.
🟩 The Digital Harmony Pyramid (A New Framework)
🔸 Level 1 — Awareness (Foundation)
Basic safety habits (verify QR, avoid unknown links).
🔸 Level 2 — Secure Behaviour (Practice)
Daily habits (check beneficiary name, update apps).
🔸 Level 3 — Digital Trust (Outcome)
When awareness + secure actions combine,
digital trust emerges.
Safe ePay Day becomes the annual celebration of this pyramid.
🔮 WHAT IF — India Creates the First Digital Harmony Index?
A bold future-ready proposal:
Concept
A national score (0–100) measuring India’s digital safety,
trust, and behaviour.
Released every April 11 — Safe ePay Day.
Metrics:
- Fraud
reduction
- User
trust
- Grievance
resolution speed
- Cyber
hygiene progress
- Digital
tolerance levels
- UPI
safety adoption
Impact:
Citizens gain confidence.
Banks and fintechs compete to improve.
The ecosystem becomes cleaner, safer, and more transparent.
🟦 Why April 11 Is the
Perfect Day for Safe ePay Day
April 11 carries a special symbolism:
- It
is just before the start of a new financial-year mindset.
- It
stands close to UPI’s key growth milestones.
- It
falls in a season of new beginnings — budgets, planning, schools
restarting.
Choosing this day gives India a clear annual milestone
to strengthen digital safety awareness — just as:
- February
28 →
National Science Day
- October
15 →
Global Handwashing Day
- July
29 →
International Tiger Day
April 11 can stand proudly as India’s Safe ePay Day —
the world’s first national day dedicated to digital payment safety.
🟩 Why April 11 Must Be Declared Safe ePay Day
India has days for:
- unity
- environment
- youth
- statistics
- technology
- health
Yet the behaviour that 1.4 billion Indians practice every
single day —
digital payments —
has no national observance.
This is a gap.
April 11 is the perfect symbolic anchor for:
- citizen
awareness
- fraud
prevention
- safe
habits
- responsible
payments
- protecting
senior citizens
- global
digital leadership
Safe ePay Day will not be just a day.
It will be a movement, a culture, a national safety ritual.
🟧 The Appeal
Appeal No. 169 – Declaring April 11 as Safe ePay
Day (Proposed)
With deep respect to policymakers, regulators, NPCI, banks,
fintechs, civil society, and educators:
👉 Let
April 11 be India’s annual Safe ePay Day.
A day dedicated to:
💳
awareness
🔐 protection
📲 responsible behaviour
🛡️ secure UPI habits
🤝 empathy for digital
learners
🌍 global leadership in
digital trust
Just as India taught the world how to innovate with UPI,
India can now teach the world how to innovate with digital tolerance and
trust.
🟨 Today’s Inspiration
💚🔐💳 “When
digital trust becomes universal, digital progress becomes unstoppable.”
🟧 Closing Reflection
UPI @ 10 is not just a technical milestone.
It is an emotional one.
It reflects a decade of confidence, convenience, and community.
But the next decade requires something deeper —
a culture of digital patience, empathy, and safety.
With 146 days to go until April 11, 2026, let India commit to:
🌱 safer
payments
🌱 more aware citizens
🌱 respectful digital
behaviour
🌱 zero-judgement learning
🌱 a harmonious digital
ecosystem
Tolerance builds society.
Safe ePay Day will build digital society.
📚 Additional Reading & Official Sources
• UNESCO –
International Day for Tolerance
https://www.unesco.org/en/days/tolerance
• UN – Principles
on Tolerance (1995 Declaration)
https://www.un.org/en/events/toleranceday/assets/pdf/Tolerance.pdf
• MeitY – Digital
India Mission
https://www.meity.gov.in/
• NPCI – UPI
Overview
https://www.npci.org.in/what-we-do/upi/product-overview
• RBI – Digital
Payment Security Controls
https://www.rbi.org.in/scripts/FS_Notification.aspx?fn=5&ID=11977
🙏 Salutation and Closing Note
With warm regards and a continued commitment to digital
safety, trust, harmony, and inclusion,
Nayakanti Prashant
Citizen Advocate – Safe ePay Day
The Joy of Safe ePayments
Nayakanti
Prashant – Citizen Advocate, Safe ePay Day
“Let’s make April 11 a global symbol of care — in payments, in
protection, in progress.”
And yes — no Vada Pav 🍔
till Safe ePay Day takes off in flight! 😄
🌿💳🧠🌍Appeal for Safe ePay Day 🌟
---------------------
📚
References
1️⃣
Nayakanti, P. (2025, Sept 7). National Buy a Book Day and Safe ePay Day Medium
2️⃣ Nayakanti, P. (2025, Aug 13). 218th
Lalbagh Flower Show via RV Road Interchange! Blogger
3️⃣ LinkedIn Profile
🪞 Disclaimer:
The only Joy is “Joy of Safe ePayments.” Nothing More –
Nothing Less.
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