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Micro Finance is a form of financial development that has primarily focused on providing financial services to the poor. From thumb impression to signature and back to verifying everything with your thumb- the journey of an average Indian has come a full circle. Today, we can purchase groceries, get investment advice, buy investment products, buy insurance and even avail credit online. Nearly every aspect of one daily activities can be conducted digitally enabled by technological innovation which has pervaded every nook and corner of our lives. Access to credit is one of the biggest impediments to India�s economic growth. There is a huge gap to fill on the credit side- whether it is financial inclusion or microfinance, the opportunity is large. Technology in digital finance will play an integral role in leveraging this opportunity. Credit forms the backbone of an economy and acts as a Launchpad for the multiplier effect of money. Access to credit is one of the biggest impediments to India�s economic growth. Traditionally, the banking system has been able to cater to only a fraction of the credit demand in the country. India is over banked at the top end of the market and underbanked at the bottom of the pyramid. Disparities between the social and physical infrastructure of the urban and rural areas are common to all countries. In India, they are a continuing source of concern and will become further aggravated unless innovative strategies are evolved to accelerate the development of rural infrastructure. A great transition is occurring in the rural sector with respect to digital services especially in the fields of financial services and information and communication technology. Besides several major initiatives for the urban masses, Digital India Program has closely touched the lives of rural people. The government is taking several measures to ensure that its 1 service reach out to the last mile. And one of the major initiatives planned under Digital India includes connecting the rural areas with high speed internet network. To make India a digitally empowered nation, the government has decided to connect even the far flung areas through the internet. Thus the story of India�s rural digitalisation can�t be complete without mentoring the penetration of digital payments in the rural sectors using a variety of platforms including Unified Payment Interface, Paytm and Google Pay. A noteworthy point with regard to the Indian digital payment is that it is being dominated by micro transactions, thus highlighting its adoption by people of all classes.