Digital Ledger, Inventory Point Of Sale and Nonbanking. Nonbanking single handedly raises the bar of rural digital adoption, since most rural populations engage in B2C businesses involving layers of payment cycles towards vendors and stakeholders. Neo banking in a store payment collection app includes bulk/individual payouts, list of inward outward transactions, some with options even for availing loan and insurance. Pricings are cheap, merchant paperwork, background checks and integrations needed are umber fast and simple. A classy merchant dashboard with notifications of activities happening on the digital payment app is crucial. Simplicity Most rural mobile app users need it simple. The outlook of the app needs to be uncluttered, simple and self explanatory. The navigation, workflow and concluding acknowledgements, although internally complex, should look simple and straightforward to the user while not forgetting the presentation of the app in a minimum of 6 to 7 regional languages. Speed Those few seconds between end payment and paid are deemed high on human anxiety and so very crucial. The psychology of the rural human mind says, the more time taking digital payment is, the more unreliable it could be. Rural India is big, almost 70percent of the country and it is a sector where money is earned largely in forms of labor through sweat and blood and this kind of money lost panic is a can complain issue. Speed increases the sense of security in the minds of rural merchants. An edifying campaign that digital payments is secure and risk free The news of Digital Fraud is increasing and awareness about the security in digital payments is key. Fitness are incorporating defensive mechanisms for fraud detection and risk prevention and rural merchants are feeling a sense of security in depending on digital payments. But more than the problem of infrastructure it is the people distrust towards sophisticated technology. There is a quote that says, A superlatively advanced technology equals magic. While there are many advantages and amazing feat.