Traditional banks used to give loans only to rich people to see what they have left.  At that time, loans were not given to the poor.  And nowadays in digital bank the rich don't look at the poor they give loans on interest so that they can earn crores of rupees.  There are also many industrialists who keep money in the bank so that they can double that money, digital bank used to double that money by delivering it to people to double the money.  This is how digital banks are being established or they are evolving