•  At the same time, we should not rule out the possibility that the reluctance to transact is because of the unknown security consequences and costs of using technology.
While banks find it more profitable to cater to the requirements of privileged customers, the digital divide should not widen, with more and more digital payment options being designed to serve the requirements of those who already have access to digital, while a large segment of society is left dependent on cash as they are neither aware of the options nor is the infrastructure made accessible at low cost.