Goa…an entire state has gone cashless. Now it’s your turn. All you require is a smartphone with a good internet connection. Worried that going cashless is difficult…It’s much simpler than you think….But…what if you do not have a smartphone? A smartphone is not that cheap…Not everybody can afford it. Then there’s internet connectivity…Yes, internet does not cost much, but what if you don’t have an internet connection? Can you still transfer money to friends and family?