K K Shukla on Instagram: "UPI is not free. You just don’t pay with money. Google Pay and PhonePe charge you nothing. Yet they spend billions on servers, tech, and teams. So where does the money come from? Not from transactions. From data and distribution. UPI apps understand where you eat, what you shop, when you pay rent, and how often you travel. This data is used to sell loans, insurance, and credit cards. Merchants also pay. Soundbox rentals bring steady income. When you pay via credit card