Dr V.Rengarajan , Independent , India
16 September 2022

The successful digital transformation depends on two vital factors in the process viz active involvement of executive leaders and the qualified staff in supply side and capability of customers for digital application in the given demographic environment from digital literacy orientation and in geographic condition from network accessibility perspectives from demand side as well.
The digitization process appears too fast to adapt by the poor MF clients impacting
negative fallout such as cyber crimes , middle men nuisance, digital divide, ...which cannot be ignored in the pathway to digitization.
The core point is that demand side perspectives need to be taken cognizance with more spread of digital literacy, numeracy and repair & services of mobile device locally.
Otherwise the outcome such as 'exclusion after inclusion' ' widening digital divide' and 'inequity gap as well are imminent
Dr V.Rengarajan