India Post Payments Bank (IPPB) wants to convert itself to a universal bank as the vast network of post office branches would help in achieving financial inclusion, its MD and CEO J Venkatramu said on Tuesday. He said when the IPPB started operations in 2018, 80 per cent of the transactions would happen in cash. However, with technology adoption, presently only 20 per cent of the transaction happens in cash and 80 per cent digitally.