I received this message on WhatsApp last week from someone I know very closely. This led me thinking, that perhaps there are thousands of others who may have the same question running through their minds. Things could not have been worse than two consecutive years being hit by a deadly virus that challenges our very existence. It has put the entire human progress at jeopardy. World economy is in doldrums. Corporates are under lockdown. Service industry, particularly, hospitality, is badly hit. People are losing jobs everywhere and those who remain employed, are not sure if their next pay check is coming or not. Movement of people is under severe restriction. 

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In the earlier days, loan collections were invariably undertaken by agents by visits to the borrowers’ places. However the...