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    <title>Growth in digital transactions during FY 2021-22 and FY2022-23 is much higher than the growth in volume of cheques</title>
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    <description>Digital payments volume rose substantially in FY2021-22 and FY2022-23 while cheque volumes showed only modest growth; cheque payments continue to be governed by the Negotiable Instruments Act. To promote digital adoption and safe use, RBI operates e-BAAT training programmes on payment products, fraud mitigation and grievance redressal, observes an annual Digital Payments Awareness Week, launched Mission &#039;Har Payment Digital&#039;, initiated &#039;75 Digital Villages&#039; with Payment System Operators, and conducts multimedia public campaigns emphasising customer safety and convenience.</description>
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