[kamaal]

>>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.

[ashwinm]

Where are you coming from ? I live in Bangalore and been to Delhi. Every shop including kirana's have wallet facilities. Now they are graduating to UPI. And its backed by statistics by RBI. Mobile payments increased 61% last year.[1]

Indian's are just like any other middle,lower-middle income society. They are careful where they spend money. Your parents are part of 'late majority' in the Diffusion of innovations curve [2]. Look what collage kids do not parents.

[1] https://telecom.economictimes.indiatimes.com/tele-talk/mobil...

[2] https://en.wikipedia.org/wiki/Diffusion_of_innovations

[kamaal]

I live in Bangalore, I shop with push cart vendors, buy medicines from the round corner the medical shop. I(my family) buys rice/wheat/eggs/whatever from a shop from a guy who lives a few homes up our lane(We have been doing so from 20-25 years).

I buy clothes from the main road, from the vendor who keeps 'Pick any shirt for 250/-'. Recently I bought a fidget spinner for my nephew from a hawker. I eat out at near the Idly shop near my home where a grandma cooks breakfast, with her son, and bajji and bonda snacks in the evening.

None of these guys accept cards or PayTM. And that is how most of the Bangalore is and how it works.

Bangalore has a lot of this tech crowd, who live in pockets in areas around IT parks and thinks that how the whole universe looks.