even people from less developed places use digital stuff, you don’t need computer you only need a phone to use everything, mobile data is super cheap in india (3usd per month for 2gb per day), and smartphones are super cheap too, even people who don’t have access to electricity use digital payments. infact this was possible only because of cheap internet and many indians are comfortable with tech somehow. and connectivity is really good pretty much 100% of country get’s fast 4g and nearly 80% has 5g