Read the Comprehension below and answer the following question:

India began laying the foundation for a more digital economy more than a decade ago with the launch of a national identification program called Aadhaar. The system creates biometric IDs to establish proof of residence and has been instrumental in digitizing financial transactions, among other benefits. This initiative is now part of India Stack, a decentralized public utility offering a low-cost comprehensive digital identity, payment and data management system. "IndiaStack is likely to lead to a massive change in how India spends, borrows and accesses healthcare", says an expert. IndiaStack has broad applications including a network for lowering credit costs, making loans more accessible and affordable for both consumers and businesses. Credit availability is an important component of economic growth, and "India is currently one of the most under leveraged countries in the world", says the expert, whose team thinks the ratio of credit to GDP could increase from 57% to 100% over the next decade. Indian consumers are also likely to have more disposable income. India's income distribution could flip over the next decade, and consequently overall consumption in the country could be more than double from $2 trillion in 2022 to $4.9 trillion by the end of the decade - with the greatest gains going to non-grocery retail, including apparel and accessories, leisure and recreation, and household goods and services, among other categories.