>>Digital banking became a way of life atleast in the urban India.

People did some PayTM when they had no cash.

These days if you ask them for a digital transaction, they smile at you gently and ask you trade in cash.

I can't even remember the last time I used cards/PayTM to buy anything near my home. Even for online buying I use cash on delivery, where I pay through cash. Have to, as my mom or dad have to receive the package at home.

Structural reforms are way harder in India than people are thinking. Trust me, Indians care only to optimize for personal gains, and personal gains ONLY. Everything else comes secondary. You can use a hammer and smash approach. People have their own timelines as to what you do.

Nobody here is in a hurry to sign up for your world disruption scheme.