Dr. Charles Eliot, the eminent educator at the Harvard University, was often asked, “How had Harvard gained its reputation as the greatest storehouse of knowledge?” His reply used to be “it is because the freshmen bring in so much of it and the seniors take away so little of it”. The witty professor had, of course, said it in a lighter vein.
3. Let me now turn to specific issues I have been asked to speak on viz. mobile banking, financial inclusion and consumer protection. A.  Bank-led vs non-bank led model of mobile banking  4.