........Perhaps the system as it exists today and the institutions that service it simply cannot catalyse a broad-based socioeconomic transformation. Take the example of the Reserve Bank of India (RBI). Despite the RBI's best efforts at enabling capital creation, there is a severe investment deficit in the country. Household savings are not channelled towards productive assets due to low levels of financial inclusion and a systemically unworkable model of universal banking that the RBI has held sacred ..
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