New Delhi-based businessman Vivek Bakshi, 60, was never a fan of electronic modes of payment until calamity, in the form of demonetisation, struck on November 8 last year. “I have always been an all-cash man. I have opposed digital payments all my life due to security concerns. However, I had to get my debit card renewed and go digital after the note ban primarily to avoid the inconvenience of queues,” he informs. A year later, however, he has graduated to being a regular user of digital payments. “I have never looked back since then. I use cash for minor, routine purchases, but I largely spend through cards and mobile wallets now,” he says.