Less-Cash Vision, Mission and Purpose – Advantage of Less Cash

Through cooperative efforts among consumers, businesses and the government, the Indian society as a whole will gain tremendously by the increased adoption of digital payments.

These benefits will be measureable in both the overall economy and at the local and individual level.  

In addition to the savings and efficiency of using digital alternatives, individual merchants and consumers benefit from the replacement of cash. Merchants enjoy larger average sales, decreased costs, and access to a larger customer base. Consumers can spend more safely and flexibly when they are not constrained by the funds in their possession. Studies around the Globe indicate that the value created by the acceptance of digital transactions is at least two to three times the cost of acceptance.


Less Cash societies are well known in the world for their positive effects on economic growth as a result of the opportunity to promote financial inclusion. To learn more read the full Less Cash Roadmap book.