Chakravorti was the keynote speaker at FinanceCom 2022 that was held at the University of Twente in Enschede, The Netherlands. New technologies, new payment providers especially non-bank ones, and new regulations have impacted the way we pay for goods and services along with accessibility of financial services more broadly. Studies have shown that digital payments increase economic growth and enable greater access to credit and investment opportunities. In addition, digital payments allow governments to deliver social benefits more efficiently to its residents. How various forces have enabled greater adoption of digital payments, what obstacles remain, which public policies have worked, and which payment segments are still resistant to digitization are discussed. Furthermore, how data analytics tools such as machine learning tools can provide analysis of the impact of policies are discussed.