As an example: India has 700 million mobile phone users, of which around 300 million are estimated to be smartphone users. Number of credit card users are aroun

As an example: India has 700 million mobile phone users, of which around 300 million are estimated to be smartphone users. Number of credit card users are around 20 million. the vast majority of "non-cash" payments would be done at some shop that will take cash and perform a digital payment or transfer for you.