The push for digital payments was already there, but the pandemic made it a necessity for everyone, even my dadi buying vegetables. The PIDF specifically subsidized those UPI QR codes and micro-ATMs you now see in every Kirana store in my hometown, which meant small shopkeepers didn't have to pay hefty fees to accept digital money. Honestly, as a student in Delhi, I saw it explode because splitting bills and paying auto-walas became frictionless—no more hunting for change. But the real proof is when I send money home to my father's account in our Punjab village; he now receives it instantly and can pay the tractor mechanic with the same QR code at his shed.
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