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A few weeks ago, I underwent arthroscopic surgery on my right shoulder for a ligament tear. Yes, the New Year didn't start on a great note. No, it wasn't from wild partying on New Year's Eve or from the overenthusiastic efforts in the gym that usually follow on January 2nd. I blame it on watching a little too much TV. Really? How is that, you might ask, but we will have to come back to that later.
For us to really go cashless, one often asks, 'can you pay by card in your local kirana shop?' and the answer today is "Yes", as innovations like mPOS (mobile Point-of-Sale) with their lower costs are being welcomed by both merchants and banks.