He didn’t just talk about banking. He zeroed in on one tool; ULI (Unified Lending Interface); and compared its potential to UPI. Yes, the same UPI that made digital payments seamless. If ULI takes off, getting a loan could be as simple as scanning a QR code. That’s a game-changer for farmers, MSMEs, and small businesses in J&K. But here’s the catch: digital fraud is rising. So while banks are being pushed to go fully digital, they’re also being warned to protect customers. The meeting also spotlighted that J&K’s economy; with tourism, handicrafts, and agri; is ripe for credit, but access remains patchy. If banks act fast, this could be the start of a credit revolution. If they don’t, millions could miss out. One thing’s clear: ULI isn’t just tech jargon. It’s the next big thing in Indian banking; and J&K is the testing ground.