Why is talking about Digital Money still important? Because while demonetisation triggered conversion to digital payment mode, there is a lot more to be done. Three years ago, only 53% of India had access to formal financial services; this has changed in 2017 with the opening of approximately 25.68 crore bank accounts. There is a case for catalysing this process (Ratal Watal committee recommendations are one of them) and many digital money businesses have the opportunity to be the first movers. You could be one of them. There is also the true potential of UPI, still waiting to be unleashed, even after crossing the 10 million mark; we’ll be talking about biometrics, about cross-border remittances, about contactless payments as we head towards a world with less brick and mortar banks.