If you have a smartphone, you get to use UPI (United Payments Interface).
If you don't, you are basically limited to a certain amount of free withdrawal per month, which is set to prevent getting an outcry from BPL (below poverty line) people, which would otherwise be bad for elections.

I was considering pushing for open source UPI apps for Linux devices (and providing my services for development), to reduce India's reliance on Google and Android but considering recent events, I believe that is not really going to align with the Government's plans.