India is an emerging market, it has a better digital transaction system implemented(UPI) than most of the western counterparts with low to zero transaction fees

India is an emerging market, it has a better digital transaction system implemented(UPI) than most of the western counterparts with low to zero transaction fees. a vendor on the roadside without a roof over his head or access to a cellphone can sell services or do digital transactions. Visa and MasterCard duopoly is almost at the verge of being replaced and all this has nothing to do with Blockchain or crypto currencies.