Sri Lanka’s transition to a digitally inclusive economy has moved beyond infrastructure. Terminals, QR codes and mobile applications are now widely available. The real challenge lies in behavioural change, encouraging both consumers and merchants to move away from deeply rooted cash usage habits. According to Crispin Wijesekera, Country Manager Sri Lanka and Maldives at UnionPay International, this is where the Fintech Forum of Sri Lanka plays a critical role.