That is why I hate seeing people equating this to 'development' or some other metric of improvement. This excludes not just you, but people who do not have a phone, do not know how to use one, cannot use one, have access to just cash etc.
In contrast, in Japan, they may have NFC payments by card/phone, online payments, but every single bus/train/cab/boat accepts cash as the lowest common denominator. Forget payments, all public offices still support paper + post for all procedures I've had to do, with the option of doing things with a phone or a PC. In India, however, for several things I've had to do, they would rip out the old system and replace it with a online portal with dubious implementation, and often disregarding laws (for example using UID number as legal identity proof, while it shouldn't have been, by law).
In contrast, in Japan, they may have NFC payments by card/phone, online payments, but every single bus/train/cab/boat accepts cash as the lowest common denominator. Forget payments, all public offices still support paper + post for all procedures I've had to do, with the option of doing things with a phone or a PC. In India, however, for several things I've had to do, they would rip out the old system and replace it with a online portal with dubious implementation, and often disregarding laws (for example using UID number as legal identity proof, while it shouldn't have been, by law).