Swetha Totapally Shetha is a Project Leader at Dalberg Global Development Advisors who is based in Mumbai, India. By Swetha Totapally Blog29 July 2014 Transforming Payments through mPOS: Perspectives from Indonesia For traditional merchants in Indonesia, cash is still a mainstay of doing business. CGAP and partners set out to understand what might motivate more merchants to use digital forms of payment, particularly mobile point-of-service (mPOS) devices.