I'm afraid given the lack of awareness on what exactly UPI is (without considering usage) and the ability of politicians to kill projects for bribes, it may be eventually replaced by the wallet model. Corruption is a huge issue in India which contributes to loyal users eventually leaving the platform. Zomato, Swiggy and UberEats have had huge growth over the last year but I see a lot of regular users (office goers, bachelors living alone or with other bachelors...) thinking hard before ordering food. The number of quality restaurants are in less ratio and there is only a subset of them being consistent. A huge portion of this quality restaurants offer cuisines not Indian (Thai, Chinese, Italian, American..) which is not preferred routinely. My guess would be, growing up most are accustomed to Indian cuisine and the cost factor. Majority of the restaurants cater to offers and provide cheap food and lack basic hygiene and food preparation standards. This "restaurants" (most of them have now converted to takeaway only) should have been closed after inspection(s) but bribe and stay alive. This startups have enabled this restaurants to thrive and profit just by providing cheap food and cutting costs (waiters, restaurant space...). Most of this "quality restaurants" have always had delivery options and so this startups are not providing much value to them or consumers. Unless better food preparation standards are followed along with it being transparent loyal customers will be a tiny minority and majority will try to exploit the offers and leave. This is amplified (anecdotal, not verified statistically) by health issues of frequent users due to poor quality food.