.......Technological innovations like integrated machine that has functionality of cash withdrawal and deposit; facility of scanning documents to facilitate new account opening and loan disbursal; and biometric identification of users, voice commands and narration for all facilities in multi-language format could help increase banking penetration. Centralised online loan application processing will not only help in more efficient appraisal and disbursal but also impart cost efficiency and consistency. It will also shift the onus and risk of loan sanction to the central/regional authority from local managers............
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