Due to Digital India initiative and JAM trinity, the number of RuPay card in 2016 was less than half at 23 crore (230 million) which was later surged to 56 crore (560 million) as of November 2018. In 2013 ATM transactions constituted 90% of the total number and 95% of the total value. In 2018, PoS transactions have expanded to cover 30% of the total number and 10% of the total value of debit card transactions.[83]