As an Indian citizen living in Germany right now, I sorely miss UPI. My workflow to order food in India - 1) open app and add things to cart 2) Google Pay (linked to UPI) prompts for my fingerprint and that's it. In Germany, I mostly end up using SOFORT which involves remembering my account number, pin, and then using a mobile OTP. There's no "easy" way to transfer money to friends - everyone either uses paypal or Transferwise, which requires an additional step to withdraw funds to your bank account. When shopping at brick and mortar shops, the payment options are either cash or a card. For a country that enjoys such a high standard of living, Germany has surprisingly underwhelming digital banking infrastructure.