Strengthening the digital push: 5 ways india can go cashless
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Strengthening the digital push: 5 ways india can go cashless"
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2) MOVING TO A CASHLESS AND ‘CARDLESS’ WORLD Card-based payments systems have inherent limitations which prevent adoption by merchants. These include merchant discount rates (which cut into
the already razor-thin margins of small merchants), lengthy business registration documents, as well as the upfront costs of acquiring and setting up point-of-sale devices. On the consumer
end, the need to always carry your card, remember your PIN, and safety concerns limit adoption. However, the emergence of UPI and Aadhaar Pay are enabling digital payments to be done with
just a phone or fingerprint based biometrics, at dramatically lower costs. This move to a cashless, but also a ‘cardless’ world, needs to be encouraged, by driving adoption of simple
user-friendly interfaces for UPI (like BHIM) and Aadhaar Pay.
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