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junior science refresher magazine Poor financial literacy. According to National Centre for Financial Education only 27% of Indians are financially literate.  Limitations in relation to Safe and secure infrastructure due to cyberattacks and digital frauds.  Challenges associated with alternative forms of payment like cryptocurrencies and other virtual currencies (non stateguaranteed means of payment). junior science refresher magazine subscription Low availability of financial services as the Financial Inclusion Index (FIIndex) of India was 56.4 by March 2022 (released by RBI with access usage and quality as subindices). Steps for Gradual Progression from Cash Economy to Cashless Economy junior science refresher magazine subscription price