Yes Bank crisis: UPI’s use dives 40%, PhonePe lines go dead Azlyrics Published: March 7, 2020 Categories: Lyrics Tags: india · Reserve Bank · UPI · Yes Bank An unexpected fallout of the Reserve Bank of India’s moratorium on Yes Bank was a disruption of the Unified Payments Interface (UPI) offered by fintech firms, which accounts for the bulk of digital transactions in the country.