Haha... Actually earlier google services were provided on high speed (3-5MBPS) now all the services have been pushed on same speed and overall connectivity and speed is improved. Because we all know how most of us will use a download manager and do a multi thread downloading. Which not only chokes your system but the network equipment too if large subscribers on the same tower does the same thing simultaneously. Now with reduced FUP limits simultaneous multi thread downloads have come down considerably and hence better connectivity and speeds.
On the other hand UPI is a very immature platform as of now and many issues needs to be addressed as I pointed out about hdfc bank. On top of that application which has not been tested on many devices as needed with every android app is released is bound to give a bad impression.