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Digital Route


This morning (27 Oct) there was an article in the newspaper re the increasing trend in India of using digital route in money and financial matters. That inspired me to have a check – how much do I use this digital route?
  1. I use the Microsoft Office extensively since a long time; recently I have started using their OneNote.
  2. For the past 10 years, I use Net Banking.
    1. Not just for checking balances, but also for transfer of funds through NEFT.
    2. I receive my credit card statements through e-mail and I pay these via net banking.
      1. The subsequent receipts saved in my Cloud.
    3. I receive bank account statements through E-mail and save these in a Cloud account.
  3. Telephone Bills I receive monthly through E-mails and BSNL portal.
    1. I pay the Bills through Net banking and the receipts thereof I save in Cloud account.
    2. Mobile recharging (Pre-paid) amount for our three mobiles is through AirTel portal, and paid through my Net banking,
  4. Railway Tickets I book through IRCTC portal.
    1. Ticket Fare paid through Net Banking.
    2. No paper tickets, no printing of tickets. I show the SMS received in my mobile.
  5. Many of my contributions to Charities are online transactions.
    1. Money paid through net banking.
    2. Their receipt is saved in Cloud account.
  6. My recent purchases are through e-shopping only – from flipkart or SnapDeal or Amazon.
    1. Paid through credit card online.
What Else?
I read recently that in Sweden, there is hardly any Cash transactions as, even small traders accept credit cards. When will this happen in India?

 27-10-2014
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