@Esparando Retail and sHNI can block the money till 5PM is the advantage and most banks need you to login to Internet banking for ASBA services rather than app which hinders people to login to Internet banking. There multiple levels of OTPs and 2 different passwords in some bank which is again tediuos on mobile.
UPI is simple, go to broker app, login with fingerprint or phone lock pin, apply and enter UPI id or recently used and accept application in upi app.
Drawback with UPI is that BHNI is not possible and sometimes have to wait for IPO request to come and delay might result in forgetting to block amount.
I do mix of both actually.