Not too long ago, banking posed significant challenges, including extended queues, cash shortages, and unexpected technical glitches. However, digital banking, IMPS, and UPI transformed the landscape, fostering a more inclusive banking environment in India. Retailer intermediaries now provide Aadhaar banking services, bridging gaps for the unbanked. AEPS plays a pivotal role in this digital revolution, enabling the underserved to access Aadhaar-enabled payment services conveniently near their homes.