Has digital illiteracy, particularly in rural areas, coupled with lack of Information and Communication Technology (ICT) accessibility hindered socio-economic development? Examine with justification.
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In September 2026, traders and retailers across major Madhya Pradesh cities such as Bhopal and Indore observed a No UPI Day protest, covering their digital payment QR code stickers and audio soundboxes with black cloth to demand a rollback of Merchant Discount Rate charges and related transaction costs. The agitation underscores growing financial friction among micro-merchants who bear the operational overhead of digital transactions amid zero-MDR mandates, prompting a critical re-evaluation of India's digital payments sustainability model.