<?php
/**
 * Built-in Cache System
 *
 * Ultra-fast page caching system built into the theme
 * No plugins needed - WP Rocket alternative
 *
 * @package MyTheme
 */

// Exit if accessed directly
if (!defined('ABSPATH')) {
    exit;
}

class MyTheme_Cache_System {

    private $cache_dir;
    private $cache_enabled;
    private $cache_duration;

    /**
     * Constructor
     */
    public function __construct() {
        // Cache settings
        $this->cache_enabled = function_exists('mytheme_get_option') ? mytheme_get_option('cache_enabled', true) : true;
        $this->cache_duration = function_exists('mytheme_get_option') ? mytheme_get_option('cache_duration', 3600) : 3600;

        // Cache directory
        $upload_dir = wp_upload_dir();
        $this->cache_dir = $upload_dir['basedir'] . '/mytheme-cache';

        // Initialize
        $this->init();
    }

    /**
     * Initialize cache system
     */
    private function init() {
        if (!$this->cache_enabled) {
            return;
        }

        // Create cache directory
        $this->create_cache_dir();

        // Start output buffering for page caching
        add_action('template_redirect', array($this, 'start_page_cache'), 1);

        // Clear cache actions
        add_action('save_post', array($this, 'clear_post_cache'));
        add_action('comment_post', array($this, 'clear_post_cache'));
        add_action('switch_theme', array($this, 'clear_all_cache'));
        add_action('mytheme_clear_cache', array($this, 'clear_all_cache'));

        // Admin bar cache clear button
        add_action('admin_bar_menu', array($this, 'add_cache_clear_button'), 999);
        add_action('admin_post_mytheme_clear_cache', array($this, 'handle_cache_clear'));

        // AJAX cache clear
        add_action('wp_ajax_mytheme_clear_cache', array($this, 'ajax_clear_cache'));
    }

    /**
     * Create cache directory
     */
    private function create_cache_dir() {
        if (!file_exists($this->cache_dir)) {
            wp_mkdir_p($this->cache_dir);

            // Add .htaccess for security
            $htaccess = $this->cache_dir . '/.htaccess';
            if (!file_exists($htaccess)) {
                file_put_contents($htaccess, 'deny from all');
            }
        }
    }

    /**
     * Get cache file path
     */
    private function get_cache_file_path($url = null) {
        if ($url === null) {
            $url = $_SERVER['REQUEST_URI'];
        }

        // Generate unique cache key
        $cache_key = md5($url . (is_user_logged_in() ? 'logged_in' : 'guest'));

        return $this->cache_dir . '/' . $cache_key . '.html';
    }

    /**
     * Start page caching
     */
    public function start_page_cache() {
        // Don't cache for logged-in users or admin
        if (is_user_logged_in() || is_admin()) {
            return;
        }

        // Don't cache POST requests
        if ($_SERVER['REQUEST_METHOD'] === 'POST') {
            return;
        }

        // Don't cache search, 404, feeds
        if (is_search() || is_404() || is_feed() || is_trackback()) {
            return;
        }

        // Check if cached version exists
        $cache_file = $this->get_cache_file_path();

        if (file_exists($cache_file)) {
            $cache_age = time() - filemtime($cache_file);

            // Serve cached version if not expired
            if ($cache_age < $this->cache_duration) {
                header('X-MyTheme-Cache: HIT');
                header('Cache-Control: max-age=' . $this->cache_duration);
                readfile($cache_file);
                exit;
            } else {
                // Delete expired cache
                unlink($cache_file);
            }
        }

        // Start output buffering to create cache
        header('X-MyTheme-Cache: MISS');
        ob_start(array($this, 'save_page_cache'));
    }

    /**
     * Save page to cache
     */
    public function save_page_cache($html) {
        // Don't cache if HTML is empty or too small
        if (strlen($html) < 255) {
            return $html;
        }

        // Save to cache file
        $cache_file = $this->get_cache_file_path();
        file_put_contents($cache_file, $html);

        return $html;
    }

    /**
     * Clear post cache
     */
    public function clear_post_cache($post_id) {
        $post_url = get_permalink($post_id);
        $cache_file = $this->get_cache_file_path($post_url);

        if (file_exists($cache_file)) {
            unlink($cache_file);
        }

        // Also clear homepage and category archives
        $this->clear_homepage_cache();
    }

    /**
     * Clear homepage cache
     */
    private function clear_homepage_cache() {
        $home_cache = $this->get_cache_file_path('/');
        if (file_exists($home_cache)) {
            unlink($home_cache);
        }
    }

    /**
     * Clear all cache
     */
    public function clear_all_cache() {
        if (!file_exists($this->cache_dir)) {
            return;
        }

        // Delete all cache files
        $files = glob($this->cache_dir . '/*.html');
        foreach ($files as $file) {
            if (is_file($file)) {
                unlink($file);
            }
        }
    }

    /**
     * Add cache clear button to admin bar
     */
    public function add_cache_clear_button($wp_admin_bar) {
        if (!current_user_can('manage_options')) {
            return;
        }

        $wp_admin_bar->add_node(array(
            'id' => 'mytheme-clear-cache',
            'title' => 'Clear Cache',
            'href' => wp_nonce_url(admin_url('admin-post.php?action=mytheme_clear_cache'), 'clear_cache'),
            'meta' => array(
                'title' => 'Clear MyTheme Cache',
            ),
        ));
    }

    /**
     * Handle cache clear from admin bar
     */
    public function handle_cache_clear() {
        check_admin_referer('clear_cache');

        if (!current_user_can('manage_options')) {
            wp_die('Unauthorized');
        }

        $this->clear_all_cache();

        wp_redirect(wp_get_referer());
        exit;
    }

    /**
     * AJAX clear cache
     */
    public function ajax_clear_cache() {
        check_ajax_referer('mytheme-nonce', 'nonce');

        if (!current_user_can('manage_options')) {
            wp_send_json_error('Unauthorized');
        }

        $this->clear_all_cache();

        wp_send_json_success('Cache cleared successfully');
    }

    /**
     * Get cache statistics
     */
    public function get_cache_stats() {
        if (!file_exists($this->cache_dir)) {
            return array(
                'files' => 0,
                'size' => 0,
            );
        }

        $files = glob($this->cache_dir . '/*.html');
        $total_size = 0;

        foreach ($files as $file) {
            $total_size += filesize($file);
        }

        return array(
            'files' => count($files),
            'size' => size_format($total_size),
            'size_bytes' => $total_size,
        );
    }
}

// Initialize cache system
new MyTheme_Cache_System();

/**
 * Helper function to clear cache
 */
function mytheme_clear_cache() {
    do_action('mytheme_clear_cache');
}
<!DOCTYPE html>
<html lang="en-GB">
<head>
    <meta charset="UTF-8">
    <meta name="viewport" content="width=device-width, initial-scale=1">
    <link rel="profile" href="https://gmpg.org/xfn/11">
    <title>innovative banking services &#8211; India Banks &#8211; Loans, Savings, Digital Banking Insights</title>
<meta name='robots' content='max-image-preview:large' />
<link rel="dns-prefetch" href="//fonts.googleapis.com">
<link rel="dns-prefetch" href="//fonts.gstatic.com">
<link rel="dns-prefetch" href="//www.google-analytics.com">
<link rel="dns-prefetch" href="//www.googletagmanager.com">
<link rel="preconnect" href="//fonts.googleapis.com" crossorigin>
<link rel="preconnect" href="//fonts.gstatic.com" crossorigin>
<link rel="preload" as="style" href="https://indiabank.net/wp-content/themes/mytheme/style.css">
<link rel="canonical" href="https://indiabank.net/tag/innovative-banking-services/">
<style id='wp-img-auto-sizes-contain-inline-css' type='text/css'>
img:is([sizes=auto i],[sizes^="auto," i]){contain-intrinsic-size:3000px 1500px}
/*# sourceURL=wp-img-auto-sizes-contain-inline-css */
</style>
<style id='wp-block-library-inline-css' type='text/css'>
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/*# sourceURL=wp-block-library-inline-css */
</style>
<style id='classic-theme-styles-inline-css' type='text/css'>
/*! This file is auto-generated */
.wp-block-button__link{color:#fff;background-color:#32373c;border-radius:9999px;box-shadow:none;text-decoration:none;padding:calc(.667em + 2px) calc(1.333em + 2px);font-size:1.125em}.wp-block-file__button{background:#32373c;color:#fff;text-decoration:none}
/*# sourceURL=/wp-includes/css/classic-themes.min.css */
</style>
<style id='global-styles-inline-css' type='text/css'>
:root{--wp--preset--aspect-ratio--square: 1;--wp--preset--aspect-ratio--4-3: 4/3;--wp--preset--aspect-ratio--3-4: 3/4;--wp--preset--aspect-ratio--3-2: 3/2;--wp--preset--aspect-ratio--2-3: 2/3;--wp--preset--aspect-ratio--16-9: 16/9;--wp--preset--aspect-ratio--9-16: 9/16;--wp--preset--color--black: #000000;--wp--preset--color--cyan-bluish-gray: #abb8c3;--wp--preset--color--white: #ffffff;--wp--preset--color--pale-pink: #f78da7;--wp--preset--color--vivid-red: #cf2e2e;--wp--preset--color--luminous-vivid-orange: #ff6900;--wp--preset--color--luminous-vivid-amber: #fcb900;--wp--preset--color--light-green-cyan: #7bdcb5;--wp--preset--color--vivid-green-cyan: #00d084;--wp--preset--color--pale-cyan-blue: #8ed1fc;--wp--preset--color--vivid-cyan-blue: #0693e3;--wp--preset--color--vivid-purple: #9b51e0;--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple: linear-gradient(135deg,rgb(6,147,227) 0%,rgb(155,81,224) 100%);--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan: 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!important;}.has-cyan-bluish-gray-border-color{border-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-border-color{border-color: var(--wp--preset--color--white) !important;}.has-pale-pink-border-color{border-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-border-color{border-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-border-color{border-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-border-color{border-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-border-color{border-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-border-color{border-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-border-color{border-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-border-color{border-color: 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var(--wp--preset--gradient--cool-to-warm-spectrum) !important;}.has-blush-light-purple-gradient-background{background: var(--wp--preset--gradient--blush-light-purple) !important;}.has-blush-bordeaux-gradient-background{background: var(--wp--preset--gradient--blush-bordeaux) !important;}.has-luminous-dusk-gradient-background{background: var(--wp--preset--gradient--luminous-dusk) !important;}.has-pale-ocean-gradient-background{background: var(--wp--preset--gradient--pale-ocean) !important;}.has-electric-grass-gradient-background{background: var(--wp--preset--gradient--electric-grass) !important;}.has-midnight-gradient-background{background: var(--wp--preset--gradient--midnight) !important;}.has-small-font-size{font-size: var(--wp--preset--font-size--small) !important;}.has-medium-font-size{font-size: var(--wp--preset--font-size--medium) !important;}.has-large-font-size{font-size: var(--wp--preset--font-size--large) !important;}.has-x-large-font-size{font-size: var(--wp--preset--font-size--x-large) !important;}
/*# sourceURL=global-styles-inline-css */
</style>

<link rel='stylesheet' id='mytheme-style-css' href='https://indiabank.net/wp-content/themes/mytheme/style.css' type='text/css' media='all' />
    <style type="text/css">
        :root {
            --primary-color: #0073aa;
            --secondary-color: #1e73be;
            --container-width: 1200px;
        }

        .container {
            max-width: var(--container-width);
        }

        a:hover,
        .post-title a:hover {
            color: var(--primary-color);
        }

        .post-category {
            background: var(--primary-color);
        }

        .main-navigation a:hover {
            background: var(--primary-color);
        }
    </style>
    </head>

<body class="archive tag tag-innovative-banking-services tag-309 wp-custom-logo wp-theme-mytheme td-standard-pack">

<div id="page" class="site">
        <header class="site-header layout-wide">
        <div class="top-bar">
            <div class="header-inner">
                <div class="site-branding">
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