As we live in a
digital era we can't sidestep the advantages and disadvantages that we are
confronted with. Everything has its merit and demerit and the meaningful use of
the same could be challenging.
The first Modi
government came up with a campaign named Digital India with the motto
"Power To Empower" to ensure the Government's services are
made available to citizens electronically by improved online infrastructure and by increasing Internet connectivity or by making the country digitally empowered in the field of technology. Along with Digital India campaign, the government strongly advocated for Digital Payment System, and towards this end a few digital wallets - BHIM, RuPay were also launched.
made available to citizens electronically by improved online infrastructure and by increasing Internet connectivity or by making the country digitally empowered in the field of technology. Along with Digital India campaign, the government strongly advocated for Digital Payment System, and towards this end a few digital wallets - BHIM, RuPay were also launched.
The top 10
mobile wallets in India that is the gateway for cashless economy are PayTM,
Amazon Pay, Google Pay (formerly known as Tez), PhonePe (now part of Flipkart),
MobiKwik,Yono by SBI, Citi MasterPass, ICICI Pockets, HDFC PayZapp and BHIM
Axis Pay.
The new ecosystem
has changed the market propositions and buying habits of middle and upper
middle class consumers from traditional method to digital.
While we spend
the physical cash we feel the value of it in each transaction and we have a
clear picture of the income - expenditure. This makes us financially more
disciplined. Whereas in digital payment system, the hard earned salary can be spent in
just one click.
The world of
internet with all its fantasies and glamour allure the millennials and create
in their minds unwanted consumer needs. Lured by the vast array of products on
the screen, we tend to buy many things in a ‘digital’ click whether we actually
need it or not. I am not negating the usefulness of digital payment system,
which includes its role in various utility bill payments, as well as hospital
and other services. The immense convenience it provides is in booking train,
flight and other tickets.
Of course, we
can't get carried away too much by the new trends, however, our financial
discipline lies in how effectively and meaningfully we use all these
technological advancements in our day to day life.
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