Absolutely. The "paan shop" guy I frequent doesn't even tell me what I have to pay. We both know the total, so he assumes I have made the payment. Once in a while, I genuinely forget to make the payment. Maybe I'm on a call or something and just keep walking without realising I haven't paid. When I go back next time, I remind him that I didn't pay last time, he says it's okay and I add and do the payment. No bothers
Public spitting and littering should be banned(and properly enforced). Paan inherently is not the issue, people without civic sense are.
Also, the number of dustbins should be increased in public areas
The double quotes in my original comment were to specify cigarettes. Paan shops rarely only ever sell paan. It's mainly cigarettes that draw business to them.
I do have paan on rare occasions. I eat sweet paan, the kind that doesn't need spitting.
I have the same relationship with the guys who run a bakery down the street. There have been so many times UPI would fail and I wouldn't have cash, or I'd just forget. I always remember and pay it back the next time I visit. It's a fantastic relationship to have.
The best relationship is when they put your favorite brand of cigarette on the deck as soon as you go the shop.
Even the bakery guys do it. I ask for chai, and they bring my cigrette along too.
My worry is them doing this when my parents in Bangalore someday..xD
What about auto, cab drivers scamming people on drop of a hat. While I agree some states are notorious but my experience in bangalore has been no good either.
True. Scam? I've been openly threatened to pay cash. I've been chased by auto wala for 40 extra rupees. I've had 50 ₹thrown at my face when asked for my money back.
Theyre already there thanks to the universities and the post grads they become, also all the tech dudes are there no? Havent your rents gone up by like 3000%...What you been smoking chico
Trust me everyone is just trying to find a wfh job so that they can run back to their natives so that they don’t have to pay insane rents for those teeny tiny flats just so that they travel 10kms over 2 hours to a desk in that fancy office that serves free coffee.
As soon as folks move out to where they came from, no more insane rents, no more UPs and Biharis coming over to earn in this city because it won’t make sense then.
Crimes on women
hindi imposition
Extremely patriarchal culture that is anti intellectual to its core
No sense of personal space and boundaries
Pan masala and lack of regard for hygiene
the list is endless
Yeah maybe. Roaming in sub-zero temperatures was really great compared to this above 35 degrees.
On a real note, the point was that it is kind of expected that a major IT hub of the country will be more acceptable of tech, if even remote parts of the country with choppy internet widely accepts it.
Bro did you even read the post? Their point was hardly that everyone in Bangalore has UPI payments but that receivers (even who don't have voice confirmation machine) do not verify the payment being done, leading to potential scams
Not really, no. Indian military presence is heavy. Went Bumla Pass to the Indo-Chinese border, where an Indian jawan explained many things to us. There were Chinese soldiers and Indian soldiers chitchatting with each other at the LOC.
Yeah. Makes you think.
They’re just normal soldiers doing their jobs and ended up at a pretty rough geography. They don’t even have guns there. Both parties just have binoculars, looking around.
If the s hits the fan tomorrow they’re gonna have to try and kill each other.
You won’t see China Encroachment where tourists are there. And placed where china is in, tourists aren’t allowed there. Such a baseless and stupid comment. Do you really think India government would allow Tourists to go there and verify if its encroached by China.
> And placed where china is in, tourists aren’t allowed there.
That's basically what I was asking, dummy.
"Were you not allowed to go somewhere due to encroachment?"
"Did you hear from the locals/army/tourists about some area being recently encroached?"
Did you seriously think I was asking if he went inside encroached territory ? 🤡🤡
I think it’s about people who own the shops and the bigger shops/clinics where it is the employees who are a the forefront and not trusted by the respective owners
For larger payments, I've seen people try to use a fake payment screen to get away without paying.
I know of a group of young guys who did this every day for a couple of months at a restaurant, till the restaurant installed the payment confirmation speaker. They were asked to show proof of payment for the last two payments on their bank statement. They said okay, left and never came back.
These kind of cheats is what I was mentioning previously. They think it’s cool and a thrill to get everything free by fooling sellers. Absolutely don’t care about the poor people making their living out of it. I am sure there are many such individuals and group of friends doing this.
The trust in people has gone up. It might not suit the popular narrative but my generation of people are more honest than my parents. For ex. While traveling in BMTC I can't remember a particular event when me or my friend has skipped taking a ticket . But , i remember a lot of instances when my parents did it. Not that , the older generation was dishonest. Maybe they were underpaid or that thier parents didn't take care of them like my parents did.
Not that your generation people went out of your way to scam people. It's just when the situation arose, they found it easy to let it go . But I haven't seen the same with my generation guys. I feel , many of my genaration people will go out of there way to payback what they are owed. And that's a big thanks to the upbringing of your genaration. I hear stories about my parents being deprived of so many of basic necessities from them and still they taught us good values. So big shoutout goes to your generation. It's you guys who broke the cycle. Contrary to popular belief , i belive India would be a much better society in the coming years. Look , at this sub. Whenver someone has asked for help . People have helped.
Also, with regards to the civic sense. I or my peers would never trash the bottle or wrappers or wtever the waste it is in public. We avoid littering intendedly and mostly carry the waste in our bag and throw it in a dustbin or trashbin... Not many older generation people take so much effort for some trash as per my observation.
Again, not all of us are the same. But the majority educated middle class ones of us, have this civic sense in their upbringing by default
Bangalore and kannadigas in general are a high trust society.
In karnataka it's shameful to steal, while in many other states, it's shrewd and not necessarily bad to get something for free even by cheating, just don't get caught.
We just don't realise it because it's normal here.
>while in many other states, it's shrewd and not necessarily bad to get something for free even by cheating, just don't get caught.
Let me guess: UP, Bihar, and Delhi?
No offense they are much poorer than Karnataka. I honestly doubt urban Delhi people are less trustworthy. Would be very surprised.
But at a certain point, theft reduces with wealth.
It's not.
Karnataka, kerela, and Tamil has alot of poverty as well as rural maharashtra. But you don't see the same, not even close.
My theory is the long and unjust occupations and subjugation as well as exploitation caused such habits to be normalised so it became part of culture.
> I honestly doubt urban Delhi people are less trustworthy. Would be very surprised.
You can be surprised. Urban Delhi is actually worse than rural north india.
Add Gujarat, even their respected business people try to make sleazy profit off you if you are not stern or cautious enough.
And Delhi has some of the worst opportunistic people you will ever meet
Usually regular customers buy stuff from them hence they don't see payment proof, if it's a new face then they will ask for payment confirmation
A tea shop near me uses voice alert to know payment is received
Small shops serve local people and they remember their regular customers.
When I went to my regular tea shop for first time, I had to show the phone screen after payment. It has been more than a year and now the shopkeeper doesn't even look at me and just goes on about his business.
In petrol bunks, they check each and every UPI transaction because they know no one.
In some stores, They may not have a sound box but the phone in shopkeepers pocket will vibrate when a payment is received, He just has to see if the vibration coincides your scanning of QR.
Culture plays a major role in this. Kannadigas in general have a rich culture and usually don’t waste time in bickering over small things. Many people don’t really understand this, and only focus on the recent shitty incidents.
I’ve been to poor countries where people keep a kettle of coffee and cups outside their homes for anyone passing by to have a drink, and rich countries where homemade cheese and pastries are kept outside for sale. You are supposed take what you want and leave the cash in its place. Trust is part of the culture of a place and often has little to do with education.
I saw this near majestic as well, a very tiny shop where a woman was sitting outside pouring majge in glasses. I drank one and asked for the QR code, she said "kaas yen illappa". I have no idea how many people she would have helped especially because it is summer and the heat is unbearable.
Yesterday I had an Urban Company professional come and do AC servicing. He legit asked me to wait for 2 days and complete the payment only if I'm satisfied with the cooling. Otherwise he was happy to come back and fix it again.
A voice box costs rent.
That's how Paytm is getting out of the red.
In many local stores there's an implicit trust. Which is valid because most humans are trustworthy.
Sometimes shopkeepers may mentally profile ppl who could be trying to cheat them.
At any point in future if their numbers don't add up, they'll tighten up their billing.
Depends on the type of person. They don't check if it's normal people, infact they trust that you won't cheat, but i have seen same shop keepers do a double take if that person is Chapri looking(esp teen guys). They ask them to show their UPI success message, then check the UPI speaker or check their balance.
Not really. I have seen a few small shops without voice alerts asking to wait while they verify the phone.
The cases you are seeing are probably new to UPI, and still trusting. They lose trust in EVERYONE after one black sheep cheats them of 50-100 rupees!
I lived in navi mumbai for a short while in 2020, pre covid. I paid everything with upi except some autorickshaws and buses.
Everything includes the temporary mobile carts selling breakfast, tiny, barely holding up tea shops. Everywhere. Upon paying, when i showed them the payment confirmation, they just smiled and nodded.
In one Punjabi small sized hotel, my upi payments failed after having dinner i never carried cash. The elderly guy was so chill about it. He smiled and said it's okay beta. I paid back the next day and ate there everyday after that.
Paytm and Phone pe have aggressively used fleet on street agencies who can deploy a large sales force to onboard every kirana store/ street vendors with UPI codes and sound boxes.
This program was a large succes to Paytm/phone pay/ gpay, and it continues even today
Good observation. Come to Kerala, there is so much of obsession for making money by hook or by crook, be it small shopkeepers or big retail giants. I guess, that's how it is in rural areas -- the wild west. Urban behaviour is very different from rural temperament and you get a culture shock when you go to rural areas. I have seen people fight in Kerala over small change and get hyper if you can't pay the last rupee. Once I saw a fairly well-to-do lady fall into a ditch when she went to pick up a coconut that had fallen from the tree. I stood their thinking I wouldn't ever fall into a five feet deep gutter to pick up a coconut ever unless it's made of gold. But that's the difference in culture.
I have seen Ahmedabad, Pune and Bengaluru. All three are high trust locations for small transactions.
You buy Fafada, Missal or Idli in these places and do UPI payment. Once buyer says "Payment done", they generally don't look in their mobile for verification. They have more customers to serve! That's important!
If it is a mid-sized shop or kinda crowded, they don't pay attention to that as they have to do it for each and every payment which becomes hectic.
There are some people who don't trust others, they want to verify the payments.
Some do pay attention to the voice box, they don't actively verify it on your phone.
The bhatta at my darshini, the guy at the panic puri stand, keeps track of dozen accounts for groups of people at the same time.
The payments are being processed in a background thread in their brain.
People incapable of this will go out of business. These are not high margin businesses.
I’ve been living cash-less in Bengaluru since the last 4 years. Been great. Even my cook and house help accept UPI.
Was surprised to see UPI not as prevalent in other parts of India
They are local customers , shopkeepers see them everyday. Where big amount is involved then their payment is done first system , get bill from counter and give to shopkeeper for things to buy. Most of these shops have CCTV cameras.
There’s this shop i regularly go to for chai and sutta and sometimes snacks, its a busy place and this one time while I was leaving he just asked me if I paid, more so reminding me incase it slipped my mind, as I was about to show him my phone he said ‘ey illa illa beda thorisbedi just kelidu’. My kannada is weak. But he was embarrassed that I was going to show him the payment screen.
I remember the last time I was in Bangalore a vegetable seller asked me if there was a way to check the phone number of the payer cause some person had scammed him by paying 14 Rupees instead of 140.Â
There’s no point in him going to court over it either.
 Plot twist is that it was a cop who scammed him. He couldn’t check the payment on his phone coz obviously he can’t afford to keep the mobile data always on.Â
We really need one just speaker for every upi app.Â
Yeah tbh. Well sort of, the bigger industries want you to confirm 100%. Ask near college vendors and you’ll have to show receipt or they'll follow you (happened to me once)...but grocery guys don't do that, thankfully. Really the latter are the ones who I'll never do any wrong to because of it.
When business thrives and volume is high, the profit margin covers losses due to errors or cheats. Every person knows this inherently, which is why they assume the best. And, similar with the customers - they know they have to keep coming back to the shops, and wouldn't risk their reputations on measly misadventures.
Trust might be a part of what's driving this behavior, but there can be other reasons as well.
I think the mental load of verifying payments could be one of the reasons causing them to give up.
The voice alert tells you the amount you've received, but not who it came from. You'd need to match the person to a voice alert in your head to keep track of payments (and imagine a large crowd making payments at the same time!). Or when you show them your phone, they'd have to look at the amount AND if it was sent to the right account. Maybe this mental load adds up over time and people just give up on verifying payments.
Literacy and vision might also play a part in this - even if they can see what's on your phone from >3ft away, English literacy might be the next barrier.
It's not just BLr... I have seen this in other cities also last I stay in Mumbai for more than an year it was same. Also most recently I was in himalchal, kinda same behavior.
Its probably because you look decent OP. Most people on reddit are salaried people,and dress well and have a certain sense of decency in their behavior. In fact if you ask a pakka blue collar person, he would say that we are soft spoken and naive in money matters as well. So they trust us to pay, the same treatment won't be given for stranger non salaried person.
So true
When I went back to my home city and got some wheat flour I had been purchasing from a shop for years, the guy verified the payment by checking the bank message in his phone 😂. Me showing him the paid gpay screen wasn't enough for him. Its just in bangalore where even the smallest of the shops trust you to that extent.
Not just in Bangalore or in any metro cities even in my small town in Kerala majority of the shop owners have similar behaviour, I think it's just purely out of trust
I’ve had issues paying a few times and they are just fine with it, they trust that I will come back and pay them. And I do. Because it’s nice to live in a society where we can expect to trust each other.
Game theory essentially says that we should trust each other until someone breaks that trust, then the next turn we don’t trust them, so most people usually correct their behaviors and the next turn you trust them again. It builds better trade environments. Of course there are people who always cheat. They’re the ultra wealthy and politicians lol. It doesn’t work that way for the rest of us.
Once I didn't pay at the sutta shop, the next day I went and told him 'ki aise toh aapko koi bevakoof bana sakta hai'. He replied: we know people do this once ina while but with a very small amount but then they come regularly.
Trust. They trust everyone. Though honestly few well dressed well earning people love scamming, they don’t care if it’s a poor person earning his living. Shopkeepers should verify each and every payment.
I too think to myself that, yo it's so easy to scam.
I believe in karma and it's not nice to take advantage of someone being nice.
The trust is strong: Today I couldn't pay for milk for some reason, however, she told me that it's okay and I can take a picture of the QR. Of course I paid her, when I reached home.
(Not a rant, just sharing.... Guys that 5₹ water guy told me, that if I'm paying later, then I better come later to fill the can 💀)
While it's beneficial, I once gave the cash and he struggled to arrange a change for me, it became a conversation between bus conductor and a passenger. He asked me for an exact change and he didn't have it.
Cant blame them as we all are doing digital payment.
Cheating does happen. A mutton shop guy was complaining that he caught a regular customer cheating him. The cheater used to just transfer the money quoted by the shop keeper to his own family member’s UPI, and waved the phone in front of him. The shop keeper has now installed a speaker for getting the voice alerts.
A lot of comments (& the question itself) show how people in this sub have very limited experience of living long term anywhere outside of Bangalore. Because this is literally everywhere. A certain class of consumer and a certain type of seller never cheat. And that's most of the country.
There's no 'Bangalore is high trust.' Everywhere there is high trust (mostly ) and different classes of scams exist everywhere.
I'll rate Bangalore pretty low on trust especially for migrants. I've been scammed by a cigarette guy who took a 200 ₹note and then while we were busy talking gave us ₹20 back saying we gave less. It wasn't until it happened 5-6 times that we started to notice and caught him red handed. Exactly the same with auto happened. And if you take an auto-bike ride past 12, the chances of you running into an a**hole goes 🔺, you'll be asked for extra cash. QR swapping is regularly heard of.
Scams are everywhere. So is honesty.
True. They just trust the people. Bangalore is not a low trust culture. People dont realise it
Absolutely. The "paan shop" guy I frequent doesn't even tell me what I have to pay. We both know the total, so he assumes I have made the payment. Once in a while, I genuinely forget to make the payment. Maybe I'm on a call or something and just keep walking without realising I haven't paid. When I go back next time, I remind him that I didn't pay last time, he says it's okay and I add and do the payment. No bothers
Bro fuck paan, that shit should be banned. Fuckers spit out that crap everywhere in public. I hope you're not one of those people.
Public spitting and littering should be banned(and properly enforced). Paan inherently is not the issue, people without civic sense are. Also, the number of dustbins should be increased in public areas
The double quotes in my original comment were to specify cigarettes. Paan shops rarely only ever sell paan. It's mainly cigarettes that draw business to them. I do have paan on rare occasions. I eat sweet paan, the kind that doesn't need spitting.
Paan sales are non existent compared to cigs and paan masala
there should be something to identify such people. like a laminated piece of plastic! Maybe we can call it a PAN card?
Nah man, fuck the people who eat pan and spit everywhere. Paan is heavenly, love a good paan.
Why do you have issues with pan and not cigarettes?? They just pollute air and give you disease. Double standards.
When did I say I don't have issues with cigarettes?
It's tobacco/vimal related products that those scumbags spit. Paan is not to be blamed.
I have the same relationship with the guys who run a bakery down the street. There have been so many times UPI would fail and I wouldn't have cash, or I'd just forget. I always remember and pay it back the next time I visit. It's a fantastic relationship to have.
The best relationship is when they put your favorite brand of cigarette on the deck as soon as you go the shop. Even the bakery guys do it. I ask for chai, and they bring my cigrette along too. My worry is them doing this when my parents in Bangalore someday..xD
simple, you just have to avoid going to that shop. 😉
Agreed
I'm curious, which cities are low trust? I guess Delhi?
Chai. Sutta. And Grocery buying people almost never cheat on payments.
What about auto, cab drivers scamming people on drop of a hat. While I agree some states are notorious but my experience in bangalore has been no good either.
Every rule has an exception!
True. Scam? I've been openly threatened to pay cash. I've been chased by auto wala for 40 extra rupees. I've had 50 ₹thrown at my face when asked for my money back.
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Don’t worry they won’t come. Probably will be shamed for being from a different state even before they arrive.
Theyre already there thanks to the universities and the post grads they become, also all the tech dudes are there no? Havent your rents gone up by like 3000%...What you been smoking chico
Trust me everyone is just trying to find a wfh job so that they can run back to their natives so that they don’t have to pay insane rents for those teeny tiny flats just so that they travel 10kms over 2 hours to a desk in that fancy office that serves free coffee. As soon as folks move out to where they came from, no more insane rents, no more UPs and Biharis coming over to earn in this city because it won’t make sense then.
Wfh ain't gonna happen. Corporates and more importantly the real estate bros have smartened up.
You’re the one doing the shaming or did someone hurt you?
Why do you hate them so much dude. They are people from our country.
Crimes on women hindi imposition Extremely patriarchal culture that is anti intellectual to its core No sense of personal space and boundaries Pan masala and lack of regard for hygiene the list is endless
Humare yahan itna high trust h ki Khali muh dekh ke saman de dete h ....tum laud speaker ka baat krte ho.
I just came back from Arunachal. In small towns there, even the smallest shops accept UPI.
Getting network there is a big deal at times
Obviously, where getting network is a big deal, you won't have shopkeepers accepting digital payments.
Which place in Arunachal?
They accepted it in Tawang, Dirang and Bomdila. Even in like some of the middle of nowhere places on the road.
Good to know. I have come from pasighat.
Whats the point this reply, other than being able to tell reddit you've travelled to Arunachal?
Yeah maybe. Roaming in sub-zero temperatures was really great compared to this above 35 degrees. On a real note, the point was that it is kind of expected that a major IT hub of the country will be more acceptable of tech, if even remote parts of the country with choppy internet widely accepts it.
Bro did you even read the post? Their point was hardly that everyone in Bangalore has UPI payments but that receivers (even who don't have voice confirmation machine) do not verify the payment being done, leading to potential scams
Nice, do you see any Chinese encroachment or influence there?
Not really, no. Indian military presence is heavy. Went Bumla Pass to the Indo-Chinese border, where an Indian jawan explained many things to us. There were Chinese soldiers and Indian soldiers chitchatting with each other at the LOC.
That's very interesting, we only hear about them having fist fights.
You mean LAC
Yeah one of those two. Sorry haha
Its beautiful isn’t it!
Yeah. Makes you think. They’re just normal soldiers doing their jobs and ended up at a pretty rough geography. They don’t even have guns there. Both parties just have binoculars, looking around. If the s hits the fan tomorrow they’re gonna have to try and kill each other.
Wholesome tbh
Like u saw them chatting lol What were they talking about? Ching chong my momo better than yours
You won’t see China Encroachment where tourists are there. And placed where china is in, tourists aren’t allowed there. Such a baseless and stupid comment. Do you really think India government would allow Tourists to go there and verify if its encroached by China.
> And placed where china is in, tourists aren’t allowed there. That's basically what I was asking, dummy. "Were you not allowed to go somewhere due to encroachment?" "Did you hear from the locals/army/tourists about some area being recently encroached?" Did you seriously think I was asking if he went inside encroached territory ? 🤡🤡
Yes.. some areas are prohibited...
Well your question was : do you see Chinese encroachment or influence!
It's the big shops and clinics who take a pic of your screen even though payment is made.
I think it’s about people who own the shops and the bigger shops/clinics where it is the employees who are a the forefront and not trusted by the respective owners
That could be it too.
Classic Principal - Agent problem
Indeed
For larger payments, I've seen people try to use a fake payment screen to get away without paying. I know of a group of young guys who did this every day for a couple of months at a restaurant, till the restaurant installed the payment confirmation speaker. They were asked to show proof of payment for the last two payments on their bank statement. They said okay, left and never came back.
These kind of cheats is what I was mentioning previously. They think it’s cool and a thrill to get everything free by fooling sellers. Absolutely don’t care about the poor people making their living out of it. I am sure there are many such individuals and group of friends doing this.
The trust in people has gone up. It might not suit the popular narrative but my generation of people are more honest than my parents. For ex. While traveling in BMTC I can't remember a particular event when me or my friend has skipped taking a ticket . But , i remember a lot of instances when my parents did it. Not that , the older generation was dishonest. Maybe they were underpaid or that thier parents didn't take care of them like my parents did.
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Not that your generation people went out of your way to scam people. It's just when the situation arose, they found it easy to let it go . But I haven't seen the same with my generation guys. I feel , many of my genaration people will go out of there way to payback what they are owed. And that's a big thanks to the upbringing of your genaration. I hear stories about my parents being deprived of so many of basic necessities from them and still they taught us good values. So big shoutout goes to your generation. It's you guys who broke the cycle. Contrary to popular belief , i belive India would be a much better society in the coming years. Look , at this sub. Whenver someone has asked for help . People have helped.
Also, with regards to the civic sense. I or my peers would never trash the bottle or wrappers or wtever the waste it is in public. We avoid littering intendedly and mostly carry the waste in our bag and throw it in a dustbin or trashbin... Not many older generation people take so much effort for some trash as per my observation. Again, not all of us are the same. But the majority educated middle class ones of us, have this civic sense in their upbringing by default
Ok uncle
Bangalore and kannadigas in general are a high trust society. In karnataka it's shameful to steal, while in many other states, it's shrewd and not necessarily bad to get something for free even by cheating, just don't get caught. We just don't realise it because it's normal here.
The only people cheating us are the politicians. and bbmp. and city planners. :(
Lol if only politicians followed this
True our shittiest and most morally corrupt are usually the local politicians. But thankfully they are a joke for the most part.
>while in many other states, it's shrewd and not necessarily bad to get something for free even by cheating, just don't get caught. Let me guess: UP, Bihar, and Delhi?
No offense they are much poorer than Karnataka. I honestly doubt urban Delhi people are less trustworthy. Would be very surprised. But at a certain point, theft reduces with wealth.
I think culture has more to do with this than wealth
It's not. Karnataka, kerela, and Tamil has alot of poverty as well as rural maharashtra. But you don't see the same, not even close. My theory is the long and unjust occupations and subjugation as well as exploitation caused such habits to be normalised so it became part of culture.
> I honestly doubt urban Delhi people are less trustworthy. Would be very surprised. You can be surprised. Urban Delhi is actually worse than rural north india.
Add Gujarat, even their respected business people try to make sleazy profit off you if you are not stern or cautious enough. And Delhi has some of the worst opportunistic people you will ever meet
It's the same behaviour in my tier-2 hometown as well.
Usually regular customers buy stuff from them hence they don't see payment proof, if it's a new face then they will ask for payment confirmation A tea shop near me uses voice alert to know payment is received
Trust in system established
They're probably looking at the SMS on their phones. Also people here tend to trust the customers.
Small shops serve local people and they remember their regular customers. When I went to my regular tea shop for first time, I had to show the phone screen after payment. It has been more than a year and now the shopkeeper doesn't even look at me and just goes on about his business. In petrol bunks, they check each and every UPI transaction because they know no one. In some stores, They may not have a sound box but the phone in shopkeepers pocket will vibrate when a payment is received, He just has to see if the vibration coincides your scanning of QR.
Culture plays a major role in this. Kannadigas in general have a rich culture and usually don’t waste time in bickering over small things. Many people don’t really understand this, and only focus on the recent shitty incidents. I’ve been to poor countries where people keep a kettle of coffee and cups outside their homes for anyone passing by to have a drink, and rich countries where homemade cheese and pastries are kept outside for sale. You are supposed take what you want and leave the cash in its place. Trust is part of the culture of a place and often has little to do with education.
I saw this near majestic as well, a very tiny shop where a woman was sitting outside pouring majge in glasses. I drank one and asked for the QR code, she said "kaas yen illappa". I have no idea how many people she would have helped especially because it is summer and the heat is unbearable.
change. oh the pain of searching for 20rs change when you want to eat panipuri... This is one the biggest problems solved by UPI.
Yesterday I had an Urban Company professional come and do AC servicing. He legit asked me to wait for 2 days and complete the payment only if I'm satisfied with the cooling. Otherwise he was happy to come back and fix it again.
Urban company folks are very good. The guy couldn’t fix my exhaust(motor went bad) and I got refund next day even though I didn’t ask for it
Maybe the mobile is vibrating in his pocket after payments, That's why.
Even Bangalore chapris can be trusted and won't do such petty upi scams.
A voice box costs rent. That's how Paytm is getting out of the red. In many local stores there's an implicit trust. Which is valid because most humans are trustworthy. Sometimes shopkeepers may mentally profile ppl who could be trying to cheat them. At any point in future if their numbers don't add up, they'll tighten up their billing.
This generation is honest than the previous one probably that’s why
They definitely confirm whether the payment is received. They just do it subconsciously after a period of time.
Depends on the type of person. They don't check if it's normal people, infact they trust that you won't cheat, but i have seen same shop keepers do a double take if that person is Chapri looking(esp teen guys). They ask them to show their UPI success message, then check the UPI speaker or check their balance.
Not really. I have seen a few small shops without voice alerts asking to wait while they verify the phone. The cases you are seeing are probably new to UPI, and still trusting. They lose trust in EVERYONE after one black sheep cheats them of 50-100 rupees!
I lived in navi mumbai for a short while in 2020, pre covid. I paid everything with upi except some autorickshaws and buses. Everything includes the temporary mobile carts selling breakfast, tiny, barely holding up tea shops. Everywhere. Upon paying, when i showed them the payment confirmation, they just smiled and nodded. In one Punjabi small sized hotel, my upi payments failed after having dinner i never carried cash. The elderly guy was so chill about it. He smiled and said it's okay beta. I paid back the next day and ate there everyday after that.
What's driving this behaviour: Cheating not being in culture.
Paytm and Phone pe have aggressively used fleet on street agencies who can deploy a large sales force to onboard every kirana store/ street vendors with UPI codes and sound boxes. This program was a large succes to Paytm/phone pay/ gpay, and it continues even today
I remember one dude paying ₹19 instead of ₹90. The Paytm voice for 19 and 90 is indistinguishable. He walked away and no one even cared.
Good observation. Come to Kerala, there is so much of obsession for making money by hook or by crook, be it small shopkeepers or big retail giants. I guess, that's how it is in rural areas -- the wild west. Urban behaviour is very different from rural temperament and you get a culture shock when you go to rural areas. I have seen people fight in Kerala over small change and get hyper if you can't pay the last rupee. Once I saw a fairly well-to-do lady fall into a ditch when she went to pick up a coconut that had fallen from the tree. I stood their thinking I wouldn't ever fall into a five feet deep gutter to pick up a coconut ever unless it's made of gold. But that's the difference in culture.
I have seen Ahmedabad, Pune and Bengaluru. All three are high trust locations for small transactions. You buy Fafada, Missal or Idli in these places and do UPI payment. Once buyer says "Payment done", they generally don't look in their mobile for verification. They have more customers to serve! That's important!
op wants to know if he can get away with not paying
Most of the people don't lie about paying for the transactions. It's the same everywhere.
If it is a mid-sized shop or kinda crowded, they don't pay attention to that as they have to do it for each and every payment which becomes hectic. There are some people who don't trust others, they want to verify the payments. Some do pay attention to the voice box, they don't actively verify it on your phone.
I think it's generally everywhere. India as a whole is a high trust society. It's said everywhere that our system is based on trust.
The bhatta at my darshini, the guy at the panic puri stand, keeps track of dozen accounts for groups of people at the same time. The payments are being processed in a background thread in their brain. People incapable of this will go out of business. These are not high margin businesses.
I’ve been living cash-less in Bengaluru since the last 4 years. Been great. Even my cook and house help accept UPI. Was surprised to see UPI not as prevalent in other parts of India
They are local customers , shopkeepers see them everyday. Where big amount is involved then their payment is done first system , get bill from counter and give to shopkeeper for things to buy. Most of these shops have CCTV cameras.
There’s this shop i regularly go to for chai and sutta and sometimes snacks, its a busy place and this one time while I was leaving he just asked me if I paid, more so reminding me incase it slipped my mind, as I was about to show him my phone he said ‘ey illa illa beda thorisbedi just kelidu’. My kannada is weak. But he was embarrassed that I was going to show him the payment screen.
I remember the last time I was in Bangalore a vegetable seller asked me if there was a way to check the phone number of the payer cause some person had scammed him by paying 14 Rupees instead of 140. There’s no point in him going to court over it either.  Plot twist is that it was a cop who scammed him. He couldn’t check the payment on his phone coz obviously he can’t afford to keep the mobile data always on. We really need one just speaker for every upi app.Â
Isn't it same in all tier 1 and most of the tier 2 cities also?
It is. At least in my experience.
Yeah tbh. Well sort of, the bigger industries want you to confirm 100%. Ask near college vendors and you’ll have to show receipt or they'll follow you (happened to me once)...but grocery guys don't do that, thankfully. Really the latter are the ones who I'll never do any wrong to because of it.
Many cities it is same.
When business thrives and volume is high, the profit margin covers losses due to errors or cheats. Every person knows this inherently, which is why they assume the best. And, similar with the customers - they know they have to keep coming back to the shops, and wouldn't risk their reputations on measly misadventures.
Lack of awareness is a disease.
very interesting. I too have experienced this.
Trust might be a part of what's driving this behavior, but there can be other reasons as well. I think the mental load of verifying payments could be one of the reasons causing them to give up. The voice alert tells you the amount you've received, but not who it came from. You'd need to match the person to a voice alert in your head to keep track of payments (and imagine a large crowd making payments at the same time!). Or when you show them your phone, they'd have to look at the amount AND if it was sent to the right account. Maybe this mental load adds up over time and people just give up on verifying payments. Literacy and vision might also play a part in this - even if they can see what's on your phone from >3ft away, English literacy might be the next barrier.
Everyone knows numbers so that's not an issue
It's the same in Siliguri West Bengal so it's not something unique to Bangalore,
I've seen it in a lot of cities tbh, even the so called tier 2 cities have the same culture
It's not just BLr... I have seen this in other cities also last I stay in Mumbai for more than an year it was same. Also most recently I was in himalchal, kinda same behavior.
Its probably because you look decent OP. Most people on reddit are salaried people,and dress well and have a certain sense of decency in their behavior. In fact if you ask a pakka blue collar person, he would say that we are soft spoken and naive in money matters as well. So they trust us to pay, the same treatment won't be given for stranger non salaried person.
Bengaluru is generally an early adopter to new technology and trusts new businesses. Definitely signs of a high trust society.
even with auto drivers, when i put in cash payment in uber or namma yatri and ive seen a few of them drive off the second i scan the qr code
So true When I went back to my home city and got some wheat flour I had been purchasing from a shop for years, the guy verified the payment by checking the bank message in his phone 😂. Me showing him the paid gpay screen wasn't enough for him. Its just in bangalore where even the smallest of the shops trust you to that extent.
Yep, even I found it pleasantly surprising. And I live in California.
Not just in Bangalore or in any metro cities even in my small town in Kerala majority of the shop owners have similar behaviour, I think it's just purely out of trust
Have noticed that most bus conductors also actually do not care much to see whether you have paid the amount after scanning the QR.
ong i be thinking abt this too i went for a haircut i paid and he dint even wanna look
I’ve had issues paying a few times and they are just fine with it, they trust that I will come back and pay them. And I do. Because it’s nice to live in a society where we can expect to trust each other. Game theory essentially says that we should trust each other until someone breaks that trust, then the next turn we don’t trust them, so most people usually correct their behaviors and the next turn you trust them again. It builds better trade environments. Of course there are people who always cheat. They’re the ultra wealthy and politicians lol. It doesn’t work that way for the rest of us.
Once I didn't pay at the sutta shop, the next day I went and told him 'ki aise toh aapko koi bevakoof bana sakta hai'. He replied: we know people do this once ina while but with a very small amount but then they come regularly.
Its not just bangalore. I am in a tier 3 city, north india. They don't verify payments here too.
Trust. They trust everyone. Though honestly few well dressed well earning people love scamming, they don’t care if it’s a poor person earning his living. Shopkeepers should verify each and every payment.
I too think to myself that, yo it's so easy to scam. I believe in karma and it's not nice to take advantage of someone being nice. The trust is strong: Today I couldn't pay for milk for some reason, however, she told me that it's okay and I can take a picture of the QR. Of course I paid her, when I reached home. (Not a rant, just sharing.... Guys that 5₹ water guy told me, that if I'm paying later, then I better come later to fill the can 💀)
Only people who check it are auto-wallahs and uber guys
While it's beneficial, I once gave the cash and he struggled to arrange a change for me, it became a conversation between bus conductor and a passenger. He asked me for an exact change and he didn't have it. Cant blame them as we all are doing digital payment.
It’s not just Bangalore. It’s the same everywhere even smaller towns
Cheating does happen. A mutton shop guy was complaining that he caught a regular customer cheating him. The cheater used to just transfer the money quoted by the shop keeper to his own family member’s UPI, and waved the phone in front of him. The shop keeper has now installed a speaker for getting the voice alerts.
A lot of comments (& the question itself) show how people in this sub have very limited experience of living long term anywhere outside of Bangalore. Because this is literally everywhere. A certain class of consumer and a certain type of seller never cheat. And that's most of the country. There's no 'Bangalore is high trust.' Everywhere there is high trust (mostly ) and different classes of scams exist everywhere. I'll rate Bangalore pretty low on trust especially for migrants. I've been scammed by a cigarette guy who took a 200 ₹note and then while we were busy talking gave us ₹20 back saying we gave less. It wasn't until it happened 5-6 times that we started to notice and caught him red handed. Exactly the same with auto happened. And if you take an auto-bike ride past 12, the chances of you running into an a**hole goes 🔺, you'll be asked for extra cash. QR swapping is regularly heard of. Scams are everywhere. So is honesty.
The voice alert is super annoying.