India, June 26 -- If you grew up before the digital wave, your first lesson in money was tactile. You counted notes before handing them over. You checked the change after. That pause-count, verify, complete-wasn't just process. It taught trust, control, and responsibility.

That moment is gone.

Today, money moves at the speed of a tap. A teenager can pay for a metro ride, split a bill, or order food without ever feeling money leave their hands. No counting. No confirmation ritual. Just a green tick on a screen.

And that changes how money is learned.

Because money habits don't form in theory-they form in use. And increasingly, that use sits in interfaces banks don't control.

India is at the centre of a generational transition. Over 500...