One common perception we have seen among many individuals including me till few weeks ago was that post demonetisation and increase in digital payments with introduction of UPI, cash usage has came down drastically in last 2-3 years as I was using Gpay and PhonePe for almost all my day-to-day transactions and I was looking at the whole industry with my viewpoint only, but then reality struck & got to know that I was in my own virtual world and reality is something else.