The *99# service, launched by the National Payments Corporation of India (NPCI), is a USSD-based mobile banking platform designed to bring financial services to every corner of India. Introduced initially in November 2012, the service had a limited reach, available only through MTNL and BSNL. However, recognizing the crucial role that mobile banking plays in advancing financial inclusion, the *99# service expanded its reach significantly. By August 2014, with the inclusion of 11 Telecom Service Providers (TSPs), the service was re-dedicated to the nation by the Honorable Prime Minister as part of the Pradhan Mantri Jan Dhan Yojana (PMJDY) to extend financial services to the unbanked population. The *99# service plays a crucial role in promoting financial inclusion by allowing users to perform banking transactions via basic feature phones, making it an important tool for bridging the digital divide in India’s banking sector.