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India has woken up and is now on a path to becoming one of the largest digitized nations in the world. With increased access to mobile phones and connectivity, citizens have gradually adapted to the boom of social media and e-commerce platforms, not only locally but also globally. “Digital Revolution” plans to soon make it obligatory for every citizen to go digital by planning to provide digital-first services to people related to health, education, and financial services. With such an upscale in the usage of mobile phones, a need for digital-first micro-financial services has been observed among the majority of phone users. But yet, the number of digital borrowers remains too low. Reason? Even though India ranks second in the number of mobile users in the world after China, language remains a huge stepping stone for local users, making it difficult to avail of digital financial services. With the majority of Indian users living in rural India, they face more problems with using mobile applications as compared to urban users. The high possibility of online fraud creates hesitation among online financial service users. Due to these drawbacks, less than 5% of micro-credit borrowers are digitally availing of micro-financial services.