<h1>Responsible merchant digitization to expand inclusive digital payments access while embedding privacy, local language disclosure, and fraud protections.</h1> A public-private partnership spearheads responsible merchant digitization in Himalayan, North East, and Aspirational Districts, prioritizing women merchants and community networks to expand access to digital ecosystems, credit, and formal markets. The programme mandates industry-level solutions for low smart phone penetration and last mile barriers, and operational safeguards including local language disclosures, privacy and consent protections, measures on connectivity and digital literacy, and protections against fraud and unauthorized fees to ensure trust and scalability across districts.