For example, in Europe, there is a growing understanding that the main cause of the high unemployment rate, which has persisted for some time, is the lack of mobility in the labor markets. The solution to the problem, therefore, is considered to lie in facilitating the mobility in the labor markets so as to efficiently adjust labor market conditions.
•  Since large sections of low income groups transactions are related to deposits and withdrawals, with a view to containing transaction costs, 'simple to use' cash dispensing and collecting machines akin to ATMs, with operating instructions and commands in vernacular would greatly facilitate financial inclusion of the semi urban and rural populace.