[radmuzom]

Pretty sure you are viewing it from an American perspective. India has had a government created smooth efficient money transfer service for >17 years now. There are multiple systems - all created by the government - and they work perfectly almost all of the time.

[GekkePrutser]

Just wondering (not criticising), why would the government create and run multiple systems doing the same?

Is this something to do with the differences between regional states in India?