Back in 2002-03 when we were designing the e Sri Lanka initiative, we worried a lot about a ubiquitous mechanism that could enable small online payments. I was hearing more or less the same concerns about the lack of a good payments infrastructure at a digital strategy meeting last week. It appears the India government has solved the problem: WATCHING money drain from your bank account has never been so much fun. On WhatsApp, a messaging service ubiquitous in India, sending rupees is now as easy as posting a selfie. Set-up is a breeze, because all Indian banks have been corralled onto a common payment platform on which anyone, from Google and Samsung to local payment firms and banks themselves, can build their own user interface.