कौन सी डिजिटल भुगतान प्रणाली वर्चुअल पेमेंट एड्रेस (VPA) जैसे एकल पहचानकर्ता का उपयोग करके बैंक खातों के बीच त्वरित, वास्तविक समय (real-time) में फंड ट्रांसफर की अनुमति देती है?

Regarding the expansion strategy of Unified Payments Interface (UPI) toward reaching one billion users, which of the following statements is/are correct? 1. Annual growth stabilizing at 10% ensures instant reaching of one billion users within a few months. 2. The success of the next growth phase is heavily contingent upon rural onboarding and the expansion of merchant adoption. 3. Beyond infrastructure and security investments, the expansion strategy involves increasing transaction frequency among the existing user base. Select the correct option:

Which payment bank became the first in India to issue over 3 million FASTags in early 2020?