Inclusive Social Banking Despite formidable physical outreach and rural footprint of Banks, 64% Indians lack access to saving account, 87% lack access to ATMs and 73% farming household lack access to institutional credit. ‘Financial exclusion’ is considered as the biggest failure of India Shining. Mere ‘stripping down’ of conventional products & services doesn’t work for the target segment (Bottom of the Pyramid-BoP) as their banking needs are distinctively different. The problem is c

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