The broad contours of Vision-2018 revolve around the 5 Cs: • Coverage – by enabling wider access to a variety of electronic payment services • Convenience – by enhancing user experience through ease of use and of products and processes • Confidence – by promoting integrity of systems, security of operations and customer protection • Convergence – by ensuring interoperability across service providers • Cost – by making services cost effective for users as well as service providers.
Vision-2018 focuses on four strategic initiatives viz., responsive regulation, robust infrastructure, effective supervision and customer centricity. With the formation of PRB, the regulatory and supervisory structure will be strengthened. With the Unified Payments Interface (UPI), the 3/4  BIS central bankers' speeches  National Unified USSD Platform (NUUP), the Aadhar Payment Bridge, Bharat QR etc we will have robust payment infrastructure.