<s>
BHIM	B-Operating_System
(	O
Bharat	B-Operating_System
Interface	I-Operating_System
for	I-Operating_System
Money	I-Operating_System
)	O
is	O
an	O
Indian	O
mobile	O
payment	O
app	B-Application
developed	O
by	O
the	O
National	O
Payments	O
Corporation	O
of	O
India	O
(	O
NPCI	O
)	O
,	O
based	O
on	O
the	O
Unified	O
Payments	O
Interface	O
(	O
UPI	O
)	O
.	O
</s>
<s>
BHIM	B-Operating_System
allows	O
users	O
to	O
send	O
or	O
receive	O
money	O
to	O
or	O
from	O
UPI	O
payment	O
addresses	O
,	O
or	O
to	O
non-UPI	O
based	O
accounts	O
(	O
by	O
scanning	O
a	O
QR	O
code	O
with	O
account	O
number	O
and	O
IFS	O
code	O
or	O
MMID	O
code	O
)	O
.	O
</s>
<s>
which	O
hold	O
money	O
,	O
the	O
BHIM	B-Operating_System
app	I-Operating_System
is	O
only	O
a	O
mechanism	O
which	O
transfers	O
money	O
between	O
different	O
bank	O
accounts	O
.	O
</s>
<s>
Transactions	O
on	O
BHIM	B-Operating_System
are	O
nearly	O
instantaneous	O
and	O
can	O
be	O
done	O
at	O
any	O
time	O
,	O
including	O
weekends	O
and	O
bank	O
holidays	O
.	O
</s>
<s>
BHIM	B-Operating_System
now	O
also	O
allows	O
users	O
to	O
send	O
or	O
receive	O
digital	O
payments	O
through	O
Aadhaar	O
authentication	O
.	O
</s>
<s>
Canara	O
Bank	O
,	O
HDFC	O
Bank	O
,	O
Indian	O
Bank	O
,	O
Kotak	O
Mahindra	O
Bank	O
,	O
Punjab	O
National	O
Bank	O
,	O
State	O
Bank	O
of	O
India	O
,	O
Union	O
Bank	O
of	O
India	O
and	O
Utkarsh	O
Small	O
Finance	O
Bank	O
enabled	O
UPI	O
Lite	O
feature	O
on	O
BHIM	B-Operating_System
.	O
</s>
<s>
In	O
2017	O
Indian	O
banks	O
have	O
proposed	O
transaction	O
charges	O
on	O
UPI	O
transactions	O
,	O
but	O
there	O
is	O
no	O
information	O
on	O
whether	O
transactions	O
through	O
BHIM	B-Operating_System
will	O
also	O
be	O
charged	O
.	O
</s>
<s>
the	O
app	B-Application
supports	O
20	O
languages	O
(	O
including	O
English	O
)	O
,	O
and	O
is	O
expected	O
to	O
support	O
all	O
22	O
recognised	O
languages	O
of	O
India	O
.	O
</s>
<s>
NPCI	O
on	O
9	O
November	O
2022	O
announced	O
that	O
BHIM	B-Operating_System
app	I-Operating_System
will	O
use	O
an	O
open	B-License
source	I-License
license	O
model	O
.	O
</s>
<s>
All	O
regulated	O
financial	O
entities	O
can	O
now	O
use	O
the	O
source	O
code	O
and	O
in	O
future	O
release	O
the	O
same	O
functionalities	O
that	O
BHIM	B-Operating_System
app	I-Operating_System
uses	O
.	O
</s>
<s>
During	O
the	O
2017	O
Union	O
budget	O
of	O
India	O
,	O
Finance	O
Minister	O
Arun	O
Jaitley	O
said	O
that	O
the	O
app	B-Application
is	O
currently	O
being	O
used	O
by	O
over	O
12.5million	O
Indian	O
citizens	O
,	O
and	O
that	O
the	O
government	O
will	O
launch	O
two	O
new	O
schemes	O
to	O
promote	O
its	O
use	O
.	O
</s>
<s>
In	O
October	O
2021	O
,	O
the	O
BHIM	B-Operating_System
UPI	O
platform	O
surpassed	O
a	O
record	O
of	O
$100	O
billion	O
in	O
value	O
(	O
₹7.71	O
lakh	O
crore	O
)	O
with	O
over	O
4.2	O
billion	O
digital	O
transactions	O
.	O
</s>
<s>
Earlier	O
in	O
2021	O
,	O
Bhutan	O
became	O
the	O
first	O
country	O
to	O
adopt	O
the	O
BHIM	B-Operating_System
UPI	O
for	O
their	O
digital	O
transactions	O
after	O
the	O
approval	O
of	O
the	O
Royal	O
Monetary	O
Authority	O
of	O
Bhutan	O
.	O
</s>
<s>
In	O
May	O
2020	O
,	O
VPNMentor	O
,	O
a	O
cyber	O
security	O
firm	O
,	O
disclosed	O
that	O
the	O
BHIM	B-Operating_System
app	I-Operating_System
suffered	O
a	O
huge	O
data	O
breach	O
leaking	O
approximately	O
7.26million	O
Indian	O
users	O
 '	O
personal	O
and	O
financial	O
data	O
,	O
such	O
as	O
name	O
,	O
contact	O
details	O
,	O
Aadhaar	O
card	O
,	O
PAN	O
card	O
,	O
caste	O
certificate	O
,	O
fingerprint	O
scans	O
,	O
educational	O
certificates	O
and	O
more	O
.	O
</s>
<s>
The	O
4.09	O
GB	O
files	O
were	O
leaked	O
from	O
a	O
CSC	O
operated	O
website	O
because	O
of	O
a	O
misconfigured	O
AWS	B-General_Concept
S3	I-General_Concept
bucket	I-General_Concept
,	O
and	O
not	O
the	O
official	O
BHIM	B-Operating_System
website	O
.	O
</s>
<s>
CSC	O
explicitly	O
mentioned	O
,	O
however	O
,	O
that	O
it	O
is	O
working	O
with	O
BHIM	B-Operating_System
and	O
NPCI	O
in	O
partnership	O
.	O
</s>
<s>
VPNMentor	O
and	O
other	O
cybersecurity	O
experts	O
confirm	O
the	O
data	O
to	O
be	O
authentic	O
,	O
but	O
BHIM	B-Operating_System
and	O
NPCI	O
claim	O
that	O
the	O
breach	O
never	O
took	O
place	O
.	O
</s>
