The mobile is of course just a channel, and adoption of this new way of making payments or even checking your account balance is easy, but only once people have learnt to trust and use the app. While trust will spread by word-of-mouth of satisfied customers, we still don't see massive ad campaigns on using the phone as a quick and easy way to do basic transactions. RBI tells us that 80 banks have been allowed to give mobile banking services, of which 64 have started, but not many banks have ad campaigns out...........
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