Sixty-one-year-old Bengaluru resident Kusum Agarwal who worked in the private sector and 73-year-old retired government employee Saritha Reddy from Hyderabad may not be digitally savvy, but are using digital payment services seamlessly, thanks to a bunch of startups helping senior citizens with their specific financial needs.Titan Capital-backed Khyaal, Aroa Venture Partners-funded Samarth Life and Hyderabad-based Anvayaa are three such ventures