The concept of digitalisation has to be evolved and thrive in various segments of the society.  Even, the banking sector has to be introduced various instruments of payment and settlement through electronically to the public.  It promotes the financial inclusion and economic development of the country.  In India, the RBI and union government has to take several measures regarding the online transactions to attain the goal of Digital India.  It facilitates to enhance the growth of poor and to succeed the principle of Direct Benefit Transfer.  This paper discusses about the penetration of E-Banking activities during the last decade.  The main objective relates to digital adoption has to reduces the poverty.

Keywords: payment and settlement, e-banking, direct benefit transfer, poverty