aNOther apex institution???

My View on  "How India compares on financial inclusion against ...": 

A very interesting analysis. What is disturbing is, while some among the people responsible for policy formulation and implementation find time to respond in the media when personal issues are raised, very few responses we find on articles and comments like this from political or economic leadership who can clarify or defend policy. The handling of financial inclusion in the recent past has been, as if, it is the responsibility of public sector commercial banks. Such an approach weakens the existing infrastructure available for achieving the objective of financial inclusion. Cooperatives, NBFCs, NGOs and corporate are part of such structure. The existing institutional structure should be brought to the mainstream by providing regulatory support and making them functional in the present competitive environment. Please, please, do not come back with a suggestion for another apex institution to do this. 

- M.G.Warrier, Mumbai