The pandemic has proved that digital financial inclusion is crucial and further accelerated the process of digitization. At institution level, the process of digitization in microfinance services is getting a transformational and phenomenal change. To develop a digital ecosystem, Sa-Dhan conduct a series of training intervention for clients and loan officers aimed at improving awareness and confidence in the use of various digital financial products and services. To bridge the demand and supply side gap, Sa-Dhan engages with Banks, Fintechs, Payment banks, and other stakeholders. We strongly believe and promote PHYGITAL approach.