As an MSME entrepreneurship I have seen a huge change on ground.
Most of my 50+ staff preferred cash salary.
In the months after demonetisation we could convince everyone for salary in bank accounts via NEFT .
Most had accounts already.
Many have since applied/gotten smaller housing loans etc due to the maintenance of bank accounts and salary entry.
Before GST & demonetisation I would have many people asking for goods without bill.