RAM prices have exploded over the past year, with some DDR5 kits approaching 500% year-over-year increases and a 128GB kit now selling for $3,399, which is more than 10 times its previous low. Tom's Hardware reports: Things improve as you step down the memory capacities and speed tiers, but not as much as we'd like. You're still looking at $392 for a memory kit that was just $72 last year. To reinforce the point, I pulled the latest average price data from PCPartPicker, comparing where we are today (August 2026) to exactly one year ago. This data is somewhat approximate, but it should be broadly accurate. [...] A standard 64GB (2x32GB) DDR5-5600 kit that would have cost you under $200 last summer is now demanding over $1,100. It is a 5x multiplier on a component that used to be a fairly boring and predictable line item in a PC build budget. If you plan to just wait it out on an older AM4 or LGA1700 motherboard with DDR4, you'd better hope your memory holds out too, because DDR4 isn't safe from the fallout. With DDR5 entirely out of reach for most builders, the resulting scramble for older platforms running DDR4 memory has created a massive knock-on effect, and as a result, DDR4 kits are up anywhere from 120% to nearly 180% across the board. Nowhere near as bad as DDR5 pricing, but it still stings when a kit that was $105 last year is $281 this year. This phenomenon is by no means exclusive to the US, either. German tech site ComputerBase have also been tracking this global trend, reporting just this week that average RAM prices in Europe have skyrocketed by 345% compared to September 2025. Their data shows the squeeze is bleeding into other components too, with hard drive and SSD prices both climbing over 125% in that same timeframe. In fact, the situation is so severe that hyperscale buyers have reportedly already locked in almost all of the global DRAM production capacity for 2027, handing over advance deposits to guarantee their supply of precious DRAM, which is now among the highest-value commodities in the world by weight; mainstream DRAM chips are worth over half as much per kilogram as solid gold.

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An anonymous reader quotes a report from the BBC: For most Indians, paying by Unified Payments Interface (UPI) has become almost absurdly routine. Scan a QR code, tap a few buttons and the money moves instantly. There is no card machine, no cash, and -- most importantly -- for the user, no visible fee. That may be about to change. India has paved the way for banks and payment companies to charge merchants a fee on UPI transactions, potentially ending a decade-long experiment in free digital payments. The government has yet to decide the rate or exactly where it will apply, but proposals under discussion include a merchant discount rate (MDR) of 0.3-0.5% -- a small fee paid by a business to the banks and payment companies that process its UPI payments -- on larger transactions at big businesses. The government says consumers and person-to-person UPI payments will remain free. If merchant fees are introduced, they will apply only to some transactions above a set threshold, at a nominal rate, meaning most UPI payments will remain free. The question is whether putting a price on UPI could weaken the network that made it such a success. The stakes are enormous. Launched in 2016, UPI has grown into one of the world's biggest real-time payment networks. According to official data, in July alone, there were 23.6 billion UPI transactions worth 29.87 trillion rupees ($313.5 billion). Fintech apps such as PhonePe and Google Pay account for most UPI payments. In the financial year just ended, the figure was about 241.6 billion transactions -- almost 12,000 times the volume in UPI's first full year. More than 550 million people now use it, and the system is now available in some form for payments in 11 countries outside India. India's UPI became ubiquitous partly because it made digital payments almost frictionless for merchants, including small vendors who can accept payments with little more than a QR code. New research suggests that merchant acceptance was "not just a result of UPI growth, but one of its key drivers." As RBI governor Sanjay Malhotra put it, "Someone will have to pay the cost." The challenge will be making UPI sustainable without weakening the merchant network that helped it take off.

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