[tavish1]

That is why I hate seeing people equating this to 'development' or some other metric of improvement. This excludes not just you, but people who do not have a phone, do not know how to use one, cannot use one, have access to just cash etc.

In contrast, in Japan, they may have NFC payments by card/phone, online payments, but every single bus/train/cab/boat accepts cash as the lowest common denominator. Forget payments, all public offices still support paper + post for all procedures I've had to do, with the option of doing things with a phone or a PC. In India, however, for several things I've had to do, they would rip out the old system and replace it with a online portal with dubious implementation, and often disregarding laws (for example using UID number as legal identity proof, while it shouldn't have been, by law).