>>a) every online credit card payment needs multi factor authentication. I am not sure you stated this as a seller, customer or as a payment-gateway guy; but I

>>a) every online credit card payment needs multi factor authentication. I am not sure you stated this as a seller, customer or as a payment-gateway guy; but I, myself, as a customer find this feature to be one of the best things to have happened to Indian banking scene and I feel (and am) many times more secure having this feature around. >>culturally Indians feel guilty for exuberance, so they would go for value for money propositions and take safer options. Do you mean the lack of a population that braves the fire, ice, rain and storm to line-up for next iDevice release, not because it's the best (at the best price), but because it's costliest and does exactly the same things many other half-the-price mobile devices do too? And because everyone else with more than enough money is buying it because GrubIegler wrote volumes in reviews mostly comprising - "it's just the right size" and "just the right balance"? >>you have people who go to stores and buy mostly in cash I have lazily switched to ordering groceries from on-line grocery sites in Bangalore. There's a friend of mine who earns almost 1.5+ of my earnings and visits a nearby store to buy one 1L milk tetra pack (among many other things) which costs him around INR 35-40 there and INR 50-55 elsewhere (55 online). No, it's not a duplicate/fake product. And I appreciate this so much. This is called intelligence. Smart decision. Simple. >>now you have the context,now you can read the article again, it would make lot more sense I will sure read it again and share my feedback here, iff it made more sense or very much different from what it actually does.