......Be it proliferation of ATMs or Cash Transfers, the policy framework of the Government or RBI is to encourage electronic payment systems and to move towards a less cash/cash less society. However, what it translates on the ground is that it only encourages people to use cash for all their payment needs. The larger point here is: what will ensure that people use less of cash and more of electronic payment systems (not just cards but wallets, Mobile/NFC-enabled payment systems) for their payment needs. ............
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