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Going forward, what technology change or behavioural change you foresee in this digital payment system? Technology advancements and innovation are gradually driving a shift in how consumers pay and how merchants get paid in India. We are very positive that these innovations deliver a better customer experience and much more convenience. Indian merchants and consumers are responding well and we believe that this will drive a deep and long-term change in payments habits from paper to digital payments. Digital payments are becoming more seamless in India. The payments ecosystem – the government and the regulator, banks, networks, payment facilitators and new fin-tech players are all making a positive impact in making digital payments frictionless. Be it through better customer experience or through providing more control in the hands of the consumer. A great example of better customer experience is the emergence of contactless payment technology such as Visa payWave, that reduces friction and increase speed for small, in-store transactions using near field communication (NFC) technology. Another innovation is QR code based payments, such as Bharat QR, which allow a customer to ‘push’ a payment to a merchant using their phone. If we speak about different sectors such as Retail, E-commerce, Government departments or FMCG trades, who is leading in using digital payment mode and what reasons you see there for the lead?
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