>>Except for Paytm which is available with many small vendors in cities. No. I live in Bangalore and 'many' small vendors don't accept Paytm. They did it momen

>>Except for Paytm which is available with many small vendors in cities. No. I live in Bangalore and 'many' small vendors don't accept Paytm. They did it momentarily as a last ditch effort to not see their business crash. Cash has come back like no tomorrow. Also you don't have to teach people anything, or provide any amount of free internet plans. If they are smart enough to use WhatsApp and while away time on the internet to do unproductive stuff they can also use payment apps. The reason why don't use it because they want to cheat on taxes. That is the issue. And its social and cultural in nature. Its not a technology related problem.