NPCI may be planning to dump OTPS and PINS for UPI transactions, may go with bio-metrics

[Neotheone]

Btw, you didn't respond to this so this will be my last reply to you here.

I guess many people simply cannot wrap their heads around arguments critical of his own current views. It would be futile to debate such people. In fact, it's best to ignore such people, or in extreme cases, even block them.