On India ban, just remember, data is the new war zone of 21st century. Anybody who thinks it isn't, should read up the fight at WTO and at G20 on data localisation https://bit.ly/2BotgNx 

USA too has often had massive row on our data localisation wanting us to use theirs. China too has a 1st class domestic architecture. Fight among nations is about attempts to control these digital payments

Every app that dances on our phones wants a bite of this payment business. Countries r keen to retain share of the business using tropes like nationalism etc. So the right Q is has India used the crisis to garner more of the business or has it bitten off more than it can digest