Digitization is not just plain computerization....All aspects of our life are digital..We buy all provisions, vegetables, fruits, milk, coffee powder digitally,we hire a taxi by apps & pay the tariff digitally, pay all bills, rents, taxes, school feed digitally,book movie, rail, bus and air tickets digitally, all land records are digitized, No paper money almost..We need to have a fabulous speed of internet ,,,high speed internet (similar to South Korea 23 Mbit/s while India is 1.7Mbit/s as per 2014 ranking)...Then we are on the right path..If 41% of population is unbanked as in India what sort of digitization can we expect..We have taken baby steps..But long way to go, Sir