goela khurd delhi the restive customers outside the bank are long gone so are the batonbrandishing cops who enforced order among them exactly one after year after demonetisation it is business as usual at the pnb branch in this wellheeled village on the capitals southwest outskirtsthe manager too is relaxed as old bollywood numbers play softly in the background and he almost breathes a sigh of relief when reminded of those frenzied weeks when swarms of locals thronged the bank after the governments decision to scrap rs 500 and rs 1000 notes on nov 8 last yearbut the bank manager also maintains that demonetisation has caused a definite behavioral change among the customers many among them have switched to digital transactions since then my estimate is that internet banking and card usage has gone up by at least 70 says the pnb branch manager who preferred not to be namedsanjeev kumar jakhar a bank mitra holds the same view before notebandi only one out of 10 people were involved in cashless banking now it is five times more even the semiliterate are going online said the 41yearold college dropout whose workplace acts as an extension counter to the pnb branch barely 100 yards awayeverybody seems to be aware of the new lingo in townaadhaar otp password online banking he saysthis is a sprawling jatmajority area with a substantial migrant population mostly from bihar and uttar pradesh both communities frequent pnb and jakhars small establishment jakhar says that the move to cashless transaction has been lapped up by the educated but has created problems for the semiliterate or the nonliterate he spelt out at least three cases of cyber fraud in recent monthscustomers are worried about lottery frauds scamsters asking about otp numbers and emails seeking detailsbankers are now reaching out to residents of this capacious village hugging gurugam in their efforts to raise digital awareness and thwart attempts to defraud them onlineat jakhars residence villagers gather before pnb officials in a hall roughly half the size of a badminton court first they all extend their right hand parallel to the ground like swimmers practicing an imaginary stroke and take an anticorruption pledge then the awareness campaign beginsofficials explain how to link accounts with aadhaar and reap its benefits some weeks earlier they had also advised villagers on cashless transaction that have spiralled in these partsduring the peak of demonetisation bank mitras like jakhar helped ease the pressure that the system was groaning under some operate as mobile units others work have a permanent setup where you can deposit or withdraw money the money movement at such counters offers vital insights into the state of the economythese days an average rs 34 lakh worth of currency is deposited every day at jakhars counter after a high of rs 1520 lakh during the postdemonetisation weeks business is back to normal he says in recent months his outlet has also started functioning as an lic outletthings are far from normal though for saroj