@ankur07090, A digital account opening experience was made possible only in 2016 and it took more than a year for big institutions to make the process robust. If we had our own DP license, we would have been one of the first ones to go live with a fully digital experience. Unfortunately, regulations can create new hurdles or leave some old issues resolved. For instance, when opening an account with a broker online, you will still have to sign the physical POA as OTPs are not accepted as signatures. This is because it has to be authorized by the Notary as per the law. The point I am trying to make is that we have been in the digital era for a long time now but the finance sector has not caught up yet in terms of technology. This is either due to safety concerns or complacency or both.