[kapad]

I started reading the this article but then half way through the second section I realised I'd be much better of reading about financial innovations in India.

I agree the US is also a big country and has made lots of efforts to bring banking to every citizen.

India, though quite far from having at least one bank account for every single citizen, is leaps and bounds ahead of most other economies in terms of fintech and innovation in the field of mass banking.

Be it, the post office savings account scheme, way before banks had moved to computers, or the current wave that's happening with UPI and the aadhaar ecosystem.

My point is, if you want to read about financial innovations brought by technology ("fintech"), read about things happening in India (and also China).