............All banks, including RRBs, are fully computerized, and inter-operability networked. Wage and pension payments for the poor are to be routed through bank accounts. Identification is becoming easier. Mobile networks are spreading. Staffing of the banks is going through a demographic change due to aggressive recruitment of young officers. This was an opportunity to redefine the inclusion agenda, to make a business case for inclusion and also to redefine banking. Unfortunately, MoF is not showing the same maturity as RBI and is wasting an opportunity to demonstrate how inclusion can be achieved in a changing and interconnected world.
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