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Imagine that you’re living in rural India, and there is a lockdown because of COVID. You realize you need cash. Yes, banks are open but there are no bank branches close by, the nearest ATM is more than 40 km away. Travelling large distances becomes extremely risky because of the lockdown. How do you cope? How do you withdraw money? Well, there is a simple solution. You go to your nearest kirana shop, or to a ‘banking correspondent’, give the shopkeeper or the ‘agent’ your Aadhar number and the name of your bank, put your finger onto a fingerprint reader, and lo and behold, your account is debited, and the bank correspondent gives you cash.