The architecture of financial inclusion has oft been touted as the supreme vehicle to achieve last mile access. Ambitious initiatives like electronic transfers and Aadhaar (unique identification) also depend heavily on the framework of financial inclusion for success. However, 23 years after economic reforms unfurled in India, the financial sector is still struggling to achieve real and holistic inclusion.
So, while it has been said that to achieve financial inclusion, delivery should move away from a limited focus on any one model to an approach where multiple models are used, who does the buck really stop at?
Tamal Bandyopadhyay, Deputy Managing Editor, Mint
CS Ghosh, Chairman and Managing Director, Bandhan
Deepali Pant Joshi, Executive Director, RBI
Mani Mamallan, Electronic Payment & Services
Vijay Mahajan, Chairman, BASIX
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