The government doesn't want public sector banks, which SBI and Bank of Baroda are, to compete against RuPay and UPI that are run by the National Payments Corporation of India (NPCI).source https://economictimes.indiatimes.com/industry/banking/finance/banking/govt-flags-sbi-hdfc-bank-bank-of-barodas-nue-plan-to-rival-npci/articleshow/81100962.cms
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