根据亚马逊支付（Amazon Pay）与帕勒印度基金会（Pahle India Foundation）联合发布的一份报告，印度对数字支付的迅速普及为数字借贷创造了新的机遇，但消费者对正式数字信贷的采纳仍然有限。研究表明，尽管数字信贷产品广为人知，但对信任和借贷的顾虑继续阻碍着其使用。
India's rapid adoption of digital payments has created new opportunities for digital lending, but consumer adoption of formal digital credit remains limited, according to a report by Amazon Pay and Pahle India Foundation. The study suggests that while awareness of digital credit products is widespread, concerns around trust and borrowing continue to hold back usage.
报告指出，数字借贷机构迎来了不断增长的机遇，特别是在二线城市，数字信贷产品的普及速度超过了较大的城市中心。提高消费者信任并解决欺诈问题预计将在扩大市场方面发挥关键作用。数字信贷差距根据对100个城市的5100多名消费者进行的调查，报告发现88%的受访者了解数字信贷产品，但只有31%的人积极使用这些产品。
The report points to growing opportunities for digital lenders, particularly in Tier 2 cities, where adoption of digital credit products is outpacing larger urban centres. Improving consumer trust and addressing fraud concerns are expected to play a key role in expanding the market. Digital Credit GapBased on a survey of more than 5,100 consumers across 100 cities, the report found that 88% of respondents are aware of digital credit products, but only 31% actively use them.
近64%的人表示他们从未通过手机应用程序正式申请过数字信贷，这凸显了知晓率与普及率之间存在显著差距。数字支付报告还显示，统一支付接口（UPI）已成为在线购物、购买杂货、旅行、餐饮和燃料的首选支付方式。然而，现金仍然是支付房租和住房相关交易的主要支付方式，这表明数字支付尚未在所有消费类别中完全取代现金。
Nearly 64% said they have never formally applied for digital credit through a mobile app, highlighting a significant gap between awareness and adoption. Digital PaymentsThe report also shows that UPI has become the preferred payment mode for online shopping, groceries, travel, dining and fuel purchases. However, cash remains the dominant payment method for rent and housing-related transactions, indicating that digital payments have yet to replace cash across all spending categories.
首选支付方式数字支出的普及也尚未实现全面覆盖。仅有39%的消费者表示，其每月支出的60%以上是通过数字支付方式完成的。
Preferred Payment ModeDigital spending is also not yet universal. Only 39% of consumers said that more than 60% of their monthly expenditure is made through digital payment modes.
调查发现，二线城市的数字信贷普及率高于一线城市市场。二线城市的“先买后付”使用率为60%，而一线城市为45%。较小城市的消费者也更有可能使用支付应用程序提供的信贷和分期付款（EMI）选项，这表明数字借贷的需求正在向印度最大的城市中心之外扩展。超越大都市信任仍然是数字借贷的最大障碍之一。消费者对支付应用程序在支付方面的信任度评分为3.98分（满分5分），但在借贷服务方面，这一评分降至3.10分（满分5分）。
The survey found stronger digital credit adoption in Tier 2 cities than in Tier 1 markets. Buy Now Pay Later usage stood at 60% in Tier 2 cities, compared with 45% in Tier 1 cities. Consumers in smaller cities were also more likely to use credit and EMI options available through payment applications, suggesting that demand for digital lending is expanding beyond India's largest urban centres. Beyond MetrosTrust remains one of the biggest barriers to digital lending. Consumers rated their trust in payment apps at 3.98 out of 5 for payments, but the score dropped to 3.10 out of 5 for lending services.
超过半数的受访者表示，如果能保证防范欺诈，他们会考虑使用基于应用程序的信贷，而16.7%的人表示他们仍然会避开数字信贷。许多非用户表示，他们更愿意向银行或家人借钱，而另一些人则不愿意承担债务。借贷犹豫报告还评估了商家对数字支付的态度。约81%的商家表示他们愿意接受数字支付，近80%的商家报告称在采用数字支付后，销售额或业务效率有所提高。
More than half of those surveyed said they would consider app-based credit if fraud protection were guaranteed, while 16.7% said they would still avoid digital credit. Many non-users said they preferred borrowing from banks or family members, while others were reluctant to take on debt. Hesitation to BorrowThe report also assessed merchant sentiment towards digital payments. Around 81% of merchants said they are open to accepting digital payments, and nearly 80% reported improvements in sales or business efficiency after adopting them.
然而，结算延迟仍然是一个挑战，在犹豫不决的商家中，72.1%的人将延迟付款列为他们的首要顾虑。数字支付关于围绕商户贴现率（MDR）的持续争论，调查发现，43%的商户预计将像往常一样继续接受UPI支付，而53%的商户认为客户要么会继续使用UPI，要么会转向其他数字支付方式，这表明各方对印度的数字支付生态系统持续保持信心。有关完整访谈，
However, settlement delays remain a challenge, with 72.1% of hesitant merchants citing delayed payments as their primary concern. Digital PaymentsOn the ongoing debate around Merchant Discount Rate , the survey found that 43% of merchants expect to continue accepting UPI payments as usual, while 53% believe customers will either continue using UPI or shift to other digital payment methods, indicating continued confidence in India's digital payments ecosystem. For the full interview,