Third of Indian households use digital payments

Per Medianama article referencing the same PRICE study, the percentage is 80%!

https://www.medianama.com/2021/01/223-npci-survey-digital-payments-increase/ .

I have heard of Shevlin Law where two different studies come up with two drastically different results. But this takes the law to the next level where same study comes up with drastically different numbers:) 

Mr Swaminathan

What is the connectivity coverage in India between rich and poor?

In my view no connectivity no payment. If there is a solution whereby you can make payment independent of location without mobile coverage and internet but using existing devices will be very powerful to capture 60% of the unconnected(or financially excluded). Any views?

Sure, all digital payment apps do require Internet connectivity. When I last checked, India had close to 700 million Internet users. That works out to ~3 Internet users per household, so that's not a limiting factor.

Other prerequisites for digital payment app usage are Smartphone and Funding Source, which are also not limiting factors, with 450M smartphones and 900 million debit cards in India. 

While on the subject, contrary to popular misconception, digital payment apps have no role to play in driving Financial Inclusion in India. That's because people must have a bank account to even onboard a digital payment app, let alone use it. Financial Inclusion has been driven by government programs like PMJDY etc., not technology. It has worked because 70% of banking industry in India is government-owned. 

From your reply,  47% of the Indian population is not on the internet (assuming  India's population is 1.3 billion and 700 million connected for financial transactions and 600 million not connected for financial transaction), What could be the reason for this deficency and how to address?

41% of India's population is below 18 years and can't have a bank account (on their own).

Even if we consider MINOR accounts held along with parents, as I said before, there are 3 Internet connections per household, so there's ample Internet connectivity available to everyone in the household (via tethered WiFi hotspot) to do digital payments.

So, virtually everybody in India is connected for financial transactions and I don't see any deficiency at all. 

Many thanks for the reply- so according to your reply the entire rural areas and people earning less than ($22.50/Month) are on the financial infrastructure- this is not what we are hearing in the press and financial regulators!?  am I allowed to quote you?

Given that India's Per Capita Income is $250/mo, I strongly doubt if there's anyone earning less than $22.50/mo, but, yes, you can quote me.

Your response is not correct, Why?

https://www.hindustantimes.com/india-news/connectivity-gets-better-but-parts-of-india-still-logged-out/story-VSqXriMdGUudWb7eBcWzjN.html

70% of the Indian population live in villages. Digital payments is high take up in metros and service class only and not within villagres and  farming community.

I disagree with your hyped-up claims

Most of the Internet connectivity in India is Mobile Data and that works fine enough in villages, not just metro areas. 

You can feel free to do whatever you want but it's silly to tell me that what I'm saying goes against media reports, then ask me whether you can quote me, then quote a media report that goes against what I said before, then tell me you disagree with my claims.