2015 is set to be a watershed year for the growth and deepening of banking and financial services in India. The Reserve Bank of India and the Union Government, have accorded policy priority to ‘Financial Inclusion’ through an array of regulatory and policy reforms starting with the Jan Dhan and Jan Suraksha Yojanas, the launch of refinance agency MUDRA, and the entry of differentiated banks into the financial ecosystem. These developments reflect a renewed commitment towards reaching India’s unbanked and unfunded sections of society and signal a paradigm shift towards a more innovative, technology-enabled approach in addressing last-mile delivery problems. Another noteworthy development this year has been the Union Government’s flagship ‘Digital India’ initiative [1], which seeks to transform India into a digitally empowered knowledge economy. While Digital India’s (DI) launch has created quite a buzz in India and abroad, digitization in its broadest sense is a relatively unexplored …