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Abstract
The government of India is encouraging the public to make e-payment for all the activities such as payment of telephone bills, Electricity bills, payment for the purchase of goods, any payment to government departments, making payment in shops, purchase of products through internet and so on. The intention of the government is to mobilize the public to make the payment more easily, quickly and safely and make them to come out from the traditional banking to modern banking. After demonetization on 8th November 2016 by the government of India, the usage of ATM cards among the cardholders have been increased to a great extend.