The 40-plus have a new parlour game. (The first line is also a gentle warning to the 20-somethings to ignore this piece—you’ve been there, done that.) I walk into a room with some 40-plus people one evening and see them looking intently at their phones. Every now and then, someone exclaims: “It works!”, “I got a 100!”, “Hey, mine is not working. What did I do wrong?” “Bhaisaab, give my 100 bucks back!” This is the 40-plus playing with digital apps that push and pull money using smartphones.