............However, the RBI report on financial inclusion and the proposed SVS scheme are guilty of not incorporating knowledge from the latest behavioural economics research to ensure that expanded access to bank accounts translates into sustained usage. What we now know from behavioural economics—a branch of study that tests insights from psychology as they relate to economic behaviours—is that there are considerable gaps between human intention and action, and decisions around savings are no exception. Behavioural issues such as ..........
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