https://theprint.in/opinion/govt-can-ban-bitcoin-but-for-digital-rupee-to-succeed-india-has-to-do-a-lot/608542/
theprint.in 22 Feb. 2021
Offline vs online capabilities
Ease of use will be crucial to the wide-spread adoption of India’s CBDC. For this, it would be necessary that the ‘digital rupee’ has offline functionality. Several countries are exploring the possibility of enabling offline digital currency transactions. The primary medium being explored for offline transactions are smartphones, smart cards, and wearable devices. However, for a country like India, options such as feature phones or other low-cost technologies accessible to a common man should also be considered.
The last mile
To reach the last mile, it is important to consider the devices that people can use for digital rupee transactions. Anything that is ‘digital’ needs to be stored on a digital medium (e.g. laptop, PC, USB drive, phone, etc.). Although smartphones currently show considerable promise for offline transactions, the reality is that, as of December 2019, smartphone penetration stood at less than 40 per cent in India. Smart sim card-based feature phones, smart cards, wearable devices, and other low-cost technologies should be explored as alternatives or even supplemental options.