STICPAY: A trusted E-wallet for international money transfers in India

Digital payment adoption in India continues to accelerate, with many individuals, businesses, and service providers participating in cashless transactions. The growing reach of smartphones, alongside affordable internet and government-backed initiatives such as UPI and Aadhaar-linked banking services, have contributed to a robust payments ecosystem. The transformation is evident in both urban and rural India as consumers switch from traditional cash-based methods to digital-first alternatives.