Have been seeing and hearing a lot about digital payments in India and how it will make us the best country in the world and how it will solve all our problems.
And the path chosen by our tech brethren to move payments in India along the digital path is through apps.
Only problem, majority of India does not have a smartphone and those who have, do not want to install too many apps.
The funny thing is, if you really want to enable consumers to transact digitally, there is a ready made channel available. It does not even need an Internet connection. It does not even need a user to be literate. Its the lowly voice channel on the
But IVRs are not sexy. They just get the job done. And marketing teams hate IVRs. They are so old school.
We have worked with HUL
Rural people want choice. Rural people want to use new things. They want to go digital. But on their terms. Not what we think they want. And I am sure they
And if they are able to select