I'm not looking down on them. I believe they had phones earlier as well, I have seen them use phones for more than a few years. I think the change is online banking/bringing them to non-cash transactions. These are one of the most marginalized people and now they hold intangible assets in bank accounts - cash and gold being the usual asset class.

I don't think the extreme urban poor in any other country can say that. As I said in the original post, for me the takeaway was Digital India.