The concept of tradeable digital assets or cryptocurrency has revolutionized the way we think of money, before touching upon how mobile phones and telecommunication technology can drive a retail credit revolution. Prof. R. Vaidyanathan and Dr. Mrittunjoy Guha Majumdar discuss the importance and role of technology in modern economics and finance. Even as rapid advancements in technology have shifted customer attitudes and behavior in recent years, the deployment of technology in behavioral economics is pertinent. Moreover, digitizing the \'experience economy\' (in everything from e-commerce, retail, food delivery or even healthcare) has involved a spurt in data and its control, with personalisation in the customer experience being key. In this context, AI and real-time behavioral data becomes significant, with the need for multichannel access for customers and the usage of these channels over time by the customers.
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