Digital and financial inclusion is the key driver of economic growth and development. According to Finclusion, under the “Pradhan Mantri Jan-Dhan Yojana” (PMJDY) scheme, the proportion of the financially included population grew from 54 per cent to 81 per cent. While these initiatives have helped to encourage previously under-banked populations to access formal financial institutions, issues remain of dormant accounts and last-mile connectivity of banks and other financial institutions. A lot more needs to be done to make rural India digitally as well as financially empowered.