The Digital Inclusion Of rural India compared to Digital Urban.

Electricity Bill payment online is no more a tedious task now. It can be accomplished right from the comfort of home through the one-stop solution for all the utility bill payments, XPay.Life.


The digital payments landscape has evolved with the replacement of the feature phones to the smartphones that have enabled a variety of functions. The feature phones that were once limited to the USSD( Unstructured Supplementary Service Data) has now evolved with smartphones. Now the authentication, data confidentiality, QR code payment through the scanner, facial recognition authentication, fingerprint authentication are all the different functionalities that have adapted to the advancement through smartphones. bangalore electricity bill payment online is also done through the mobile payment applications that are available in the smartphone versions.

The digital adaption is not only from the customer end but also from the merchant end. The merchant adaption is the crucial aspect for the winning of any digital payment solution. The government incentives, subsidies, and more features are used for the merchant onboarding to the digital platform. This attributes to the success of the mobile payment service provider. Nowadays, even a small shop owner like coconut water vender to the auto drivers have all adopted the digital payments. As per the report by KPMG-FIntech In India- Powering Mobile payments, the digital payments acceptance points have increased to over 10 million and it is increasing rapidly. Hence the amritsar electricity bill payment can be made at the khirana stores through the PoS devices.

As the technology is coupled with the innovation, the point-of-sale devices are now accepting cash as a digital payment mode for facilitating utility bill payment. Hence the bills are being paid through the PoS machines that accept payment through the credit/debit cards and is touchscreen. This innovation is increasing the merchant adoption of digital payment solutions. Any recurring bills like Electricity, water, piped gas, LPG, calcutta electricity bill payment, is facilitated by the PoS devices where the agents are facilitating door-to-door bill collection and also in the last-mile-bill collection. The merchants are adopting solutions such as billing and inventory management software and e-commerce sites to increase their visibility online. They are even consuming the O2O(Online to Offline) payments as well.

The increase in digital payments can be attributed to the government policies and regulations that are aiding in the bill payment sector. The increase in adoption by the customers and the evident advantages of the digital payment ecosystem has influenced Government bodies like RBI( Reserve Bank Of India), industry associations and the payment service providers. And as a result of this, RBI has announced in “Vision 2021” that digital payments will the focus and cashless ecosystem is more encouraged. kseb bill payment online is done through the mobile payment applications aiding to the cashless ecosystem in India.

But if there is complete digital payment deployment, there are challenges of adopting the bill payments through the rural hinterlands of India. This is where the hurdles arise from the digital inclusion of rural India. As a digital solution to this, a Fintech company is facilitating bill payments like apepdcl bill payment, water, gas through the ATP KIOSK, PoS machines and Mobile Vans. These mobile vans are taking banking and bill payment facilities to the rural regions of India. Hence covering the entire nation under the digital payment belt.

As an RBI and All Indian Banks initiative, NPCI(National Payment Corporation India) has innovated digital services through the UPI payments, IMPS, BHIM, Bharat BILLpay which is an umbrella institution providing a unified, interoperable payment platform for facilitating bill payment such as e assam electricity bill payment done through the mobile payment service providers. If payment is done through a digital payment solution, there are high customer inclination toward the digital shift that is possible by the Mobile Van.

Pay your electricity bills online in as less as three clicks via XPay Life Web, Mobile App and Touch Screen Kiosk. XPay Life has integrated Blockchain secure payment gateway 

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