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Riya* (45), a beautician with Urban Company, a home services business that operates in major cities in India, is talking about the time a client withheld payment of Rs 1,500 for her services.

The problem arose at the end of the session when it turned out that the client did not have cash at home and Riya had not set up a payment app on her phone. "I had no option but to come back for the money 10 days later," Riya told IndiaSpend.

A Delhi-based graduate, Riya was reluctant to avail banking services on her phone because she said