But in other respects things are stuck in the past in India too, like your account being tightly coupled to a particular branch of the bank, and many commercial establishments charging extra for card transactions.
I have banked with five different banks (private and public) and have never had to face the tight coupling with a particular branch that you talk about?
Indian banking system is actually a joy to use compared to the first world systems that I have seen.
The charges still exist even if the end user doesn’t pay them. If you don’t then the shop/restaurant has decided to pay the fees (depending on country this can be mandated by law or just a custom to do it one way or the other)
