In a chat with ET Now,CEO & Founder,says expecting a really large number of consumers and merchants driving the usage of e-wallets this year.Edited excerpts:SBI allows using debit cards, not using the netbanking and they suggested that there were lots of frauds happening on the SBI accounts. May be, it is good in a way because they are able to block the customer’s money to debit card channel instead of netbanking channel.Using UPI and the cards to take money out of SBI to a new bank will work. We are looking forward to get an India stack UPI asap so that we could work around this restriction and we believe that we are one of those lucky ones who will have an access as a wallet as well as a bank because our wallet is very popular and our bank hopefully will become popular enough. So this problem of SBI would get sorted when UPI comes in our world I do not think it is a challenge. It is a great start because this country needs e-wallets as a mainstream concept. When a bank starts and talks about it, people get to trust and learn more about it. Otherwise all the education , all the market building was on the shoulders of a few companies. Today, mainstream banks have started doing it. Earlier this was a tech and start up play, now it is a mainstream play. It is a welcome move and consumers will have choices.Right now, what we are seeing is that even though cash has come in significantly, it is not enough. It has to come to an optimum level where people are able to transact. It is no more a case of using Paytm because of currency crisis. We have seen that once a customer starts using it, he starts liking it. Right now, the challenge for us have been how to train merchants and shopkeepers that their money can go from Paytm wallet to the bank account and the kind of limits that were there. We have just launched Rs 50,000 limit wallet to help shopkeepers.People are now more aware and a network effect has kicked in. In technology and science, there is static inertia and then movement inertia. It has moved now and it is going to take the momentum forward. I believe this year we will have really large number of consumers and merchants driving the usage.Today morning I got to know the Paytm cards were used about 20 crore times which is 200 million. Interestingly, those are the data RBI sees from the merchant side -- how much money has gone to the bank account side. So they see it from the bank account side, we have a data from the consumer side. Surprisingly, Paytm did more than 200 million transactions last month. We have already reached the reach of all card networks and that is a very nice beginning for us. This year we want to take this number to 2 billion transactions, double of what we did last year. We are little short of 180 million right now.