UPI @ 10 | 96 Days to Go | Understanding the C.A.S.H.E.W. Model for Safe ePayments
As UPI approaches 10 years, Day 96 of the countdown reflects on everyday reliability, safe digital payment habits, and the C.A.S.H.E.W. Model—proposing April 11 as Safe ePay Day to reinforce the joy of safe ePayments.
As India moves steadily toward ten years of UPI, the most
remarkable feature of this system is not its scale or speed—but its quiet
reliability.
Every day, millions of payments happen without ceremony.
A scan. A tap. A confirmation tone. Life moves on.
That ordinariness is not accidental. It is the outcome of habit,
trust, and restraint—qualities that grow slowly and invisibly, much like
public infrastructure itself.
This countdown series documents that quiet journey.
How many UPI transactions you plan to do today?
When systems work, habits matter
more than headlines
UPI’s success is often measured in volumes and values. But
long-term trust is built elsewhere—in the everyday choices users make:
- pausing
before approving,
- recognising
familiar payment flows,
- avoiding
unnecessary haste,
- helping
others transact safely.
These behaviours rarely make news, yet they decide whether a
system ages gracefully.
That is where Safe ePay Day finds its meaning.
The C.A.S.H.E.W. Model for
Safe Digital Payment Habits
As this countdown progresses, one idea recurs with intention:
safe systems endure when safe habits endure.
The C.A.S.H.E.W. Model is a simple, human checklist for
mindful digital payments:
C — Check
the source
Before scanning or approving, confirm who you are paying.
A — Avoid
haste and impulse
Speed is powerful, but pause is protective.
S — Secure
your device
Updates, locks, and alerts are quiet guardians.
H — Help
others transact safely
Especially first-time users and senior citizens.
E —
Educate through example
Good habits spread faster than warnings.
W — Watch
for red flags
Unusual requests, urgency, or unfamiliar flows.
These are not rules imposed from above.
They are behaviours practiced from within.
Why April 11 matters
Proposing April 11 as Safe
ePay Day is a citizen-led idea rooted in
history and habit.
April 11 marks the pilot launch of UPI in 2016,
inaugurating a decade-long shift in how India pays, trusts, and participates
digitally.
Safe ePay Day is not about celebrating
volume.
It is about reinforcing behaviour—once a year, calmly and collectively.
Day 96: nothing
dramatic—and that’s the signal
There is no festival today.
No urgency.
No alert.
UPI works quietly in the background, and that silence is its
achievement.
As the countdown continues, this day stands as a reminder:
reliability is built on repetition, not spectacle.
Proposing April 11 as Safe
ePay Day
Proposing April 11 as Safe
ePay Day — marking the pilot launch of UPI on April 11, 2016,
inaugurated by Raghuram G. Rajan in Mumbai with 21 partnering banks.
The day recognises a decade of trust-building in digital
payments and the growing importance of secure, mindful ePayment habits.
Safe ePay Day is envisioned not as a
campaign, but as a quiet annual reinforcement—a moment to reflect on how
everyday digital trust is built, practiced, and protected.
👉 Please visit movethebarrier.blogspot.com/April11
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.”
🪞 Disclaimer
The
only Joy is “Joy of Safe ePayments.”
Nothing More – Nothing Less.
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