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Adoption and Diffusion of Bharat Interface for Money (bhim) Essay Preview: Adoption and Diffusion of Bharat Interface for Money (bhim) Report this essay ADOPTION AND DIFFUSION OF BHARAT INTERFACE FOR MONEY (BHIM)Challa Sai Abhishek (1611243) | Thota Sahithi (1611359)Abstract- Although there has been a tremendous increase in usage of e-payments worldwide, the diffusion of electronic payment.