Zoho shakes up India’s booming UPI market with its new Zoho UPI app, Zoho Pay. The Chennai-based SaaS powerhouse dives into consumer fintech, challenging giants like Google Pay, PhonePe, and Paytm. Currently in closed testing, this app bundles seamless payments with Zoho’s chat platform Arattai. It promises effortless money transfers inside chats, targeting both…