Opt for mobile wallets, micro-ATMs, virtual and prepaid cards to deal with the ongoing cash crunch caused by demonetisation The shortage of cash caused by demonetisation has probably forced you to stand in long queues at banks and ATMs. As far as possible, minimise your use of cash and shift to digital modes of payments. Also, make use of other fintech innovation to deal with your cash-starved situation. Use a mobile wallet: Download a mobile wallet app on your phone, transfer money from your bank account into it and start using it. All you need to do at a shop is to point your phone at the QR code, scan it, enter the amount to be paid and pay. One problem you could face with wallets is that different merchants accept payments from different wallets. An integrator app like Woohoo can help in this respect, as it allows you to make payments at retailers that accept any of these three wallets: Oxigen, Citrus Cash and PayuMoney. You will also be able to pay at all the retail est