The National Payments Corporation of India (NPCI) stepped up to help when the government's Digital India programme was faced with a key challenge: How to move consumers from cash to digital modes of payment? Until then, the not-for-profit organisation owned by banks was known only for the RuPay cards it issued to Jan Dhan account holders. The distant competitor to Visa and Mastercard has since emerged the driving force of the country’s digital payments agenda..