8 November 2016 this day i was in Wadala Mumbai.when Honorable PM of india Announce of demonetization of 500 and 1000 notes of indian currency. I was in Firt year Student of BA. After 10 november i saw a huge line at bank for deposit money in bank and as well withdraw for 2000 rupee. The same bank line are mostly for two months and more. i am here not to make advantages and disadvantages of demonetization but a major change that i observed from that day. Government of India launched BHIM app, a UPI based payment interface developed by National Payments Corporation of India (NPCI) that allows real time fund transfer. I think that BHIM app is most poweefull tool to reduce currency circulation and enable and digital payment. In 2021 i am now at Mumbra Thane where i saw every shopkeepers have QR code that enable online payment via UPI method now a days if I bought 10 rupee Biscuit packet i paid that money by UPI related app like PAYTM, BHIM, PHONEPE, GPAY, AMAZONPAY. This UPI method will r...