According to RBI data, in April wallets showed 279 million transactions against 268 million in the previous month. This, however, is still lesser than 310 million transactions wallets clocked in February, the month before full KYC guidelines were enforced by the RBI. Further last year April, wallets had seen more than 320 million transactions, almost 15% higher. Simultaneously cards have shown consistent growth. Credit cards have clocked 133 million transactions against 128 million in the previous month. Similarly debit cards showed 1 billion transactions across both the months. Putting these figures in perspective against last year numbers, the growth is obvious with cards clocking 20% more at 1.2 billion transactions against 1 billion last April. While in case of credit cards the major chunk is from card swipes at merchant outlets, debit cards still have 70% share of transactions coming from , as per April data. The number of Po terminals in the country grew to 3.16 million against 3.13 million in March. Simultaneously debit cards in the system also jumped 5.2% to 906 million in April against 861 million in the previous month. Similarly, UPI the smartphone-based payment mechanism—has also retained its growth rates having clocked 189 million transactions in April as well. Last year April, UPI had clocked 7 million transactions. In terms of the amount of money paid, cards still have remained the dominant form of payment at Rs.355 crore for April against Rs 133 crore for prepaid payment instruments. Digital transactions got a legup post demonetisation, in turn giving a hinder to mobile wallets, or e-wallets, and the Unified Payments Interface (UPI) platform. While mobile wallets dominated the market immediately after the cash ban, since November 2017, the UPI platform has beaten e-wallets hands down in terms of the value of transactions. Also, the volume of UPI transactions has been steadily increasing; though the volume of mobile wallet transactions is still higher, UPI volumes have recorded higher growth month-on-month.