As Outlook Money celebrates its 19th anniversary, let me congratulate you for serving your readers, print to digital, as a personal finance specialist and evolving into one of India's leading magazines. Interestingly, your journey has also coincided with the rapid evolution of digital payments in India. From ATM cards, debit card and credit cards to mobile wallets and IoT (Internet of Things) payment solutions, as a nation we have made rapid strides in the way we transact over these years.