Today the websites of almost all Indian banks provide internet banking services, mobile apps, credit card online portals, branch/ ATM locators and calculator facilities for debt repayments. The banking technology revolution coupled with the telecom sector revolution has created opportunities for cashless and electronics transactions. The JAM (Jan Dhan-Aadhar-Mobile) technology trinity ebled by payments through the Unified Payments Interface (UPI), has made mobile banking as simple as sending an email. Clearances using the tiol Electronics Transfer of Funds (NEFT), Real Time Gross Settlements (RTGS), Immediate Payment Service (IMPS) and Electronic Clearing System (ECS) are rapidly integrating into the mainstream banking sector activities. Fintech – the short form fincial and technology has come to domite the real world of banking.