This article seeks to advance contextualised understanding of the extent to which a cashless economy in India can be a feasible developmental goal. Initially, impressed with critiques of the sudden ‘demonetisation’ on 8 November 2016, we conducted econometric research to test how banks (‘bricks’) could be brought closer to rural people. However, this traditional approach of envisaging more banks was rapidly overtaken by the massive uptake of digital payment methods (‘clicks’) in India since 2016. Partly driven by the Reserve Bank of India (RBI), this has raised new concerns and research agenda focused on people’s trust in banking and new technologies, consumer skills and people’s basic rights vis-à-vis a state that, controversially, now seems to be seeking more control within a relentlessly changing postmodern scenario.

中文翻译：

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“砖块”或“点击”中的非货币化、银行业务和信任

本文旨在促进对印度无现金经济在多大程度上成为可行发展目标的情境化理解。最初，对 2016 年 11 月 8 日突然出现的“非货币化”的批评印象深刻，我们进行了计量经济学研究，以测试如何让银行（“砖块”）更贴近农村人口。然而，自 2016 年以来，印度数字支付方式（“点击”）的大量采用迅速取代了这种设想更多银行的传统方法。 在印度储备银行 (RBI) 的部分推动下，这引发了新的担忧和研究议程专注于人们对银行业和新技术、消费者技能和人们的基本权利的信任，相对于一个有争议的国家，现在似乎正在无情变化的后现代场景中寻求更多控制。