India has already experienced this digital transformation by implementing Unified Payment Interface (UPI) for instant payments and settlements with extraordinary success.

https://www.imf.org/en/Publications/fandd/issues/2022/09/Dig...

Planning next day ahead reduces the randomness in your work. Wunderlist is best app to keep the focus on important tasks with deadlines. It helps you review the day too, whether you could accomplish whatever you had planned for the day.

The great feeling you get when the task completed is strikethrough when you press the tickmark.

It is long read but one of the fascinating stories of cyber hand-to-hand combat.