Probably AGI-42

AI won them

Ah, no, sorry about the miscommunication.

Upi is massive in India. Big to the point that not having access to it is more than an inconvenience, it will be like Microsoft going down.

However, it is technically a protocol with federated servers and apps. Hence, there’s no single point of failure.

I meant to say if a crucial system with a single point of failure had no alternatives, it would have been scary.

Ah right, that makes sense. If it were like upi or pix, and had single point of failure, it would have been scary.

Lol, did you miss the ios 26 update?

I think they meant that the single app by all banks can go down through backend crash, buggy/malicious app update, etc.