The adoption of digital wallets among the elderly audience and public, in general, was truly surprising, which gave rise to never-seen-before e-commerce growth.

Globally, the penetration of online BPC in countries like China, the UK, and the US is between 12-18 percent versus under 2 percent in India.

The online world, flush with data and a capability to test and tweak in real-time, has been able to use artificial intelligence and machine learning algorithms to personalize user journeys.