Here I would like to stress that the most critical difference in the previous headline targets versus the new targets is emphasis on usage of financial services. I believe that mere account opening is not enough. It is essential that we permeate a culture of using digital financial services, to spur activity in accounts.
2  BIS central bankers’ speeches  RBI has taken a number of initiatives to put in place an efficient payment and settlement infrastructure in the country covering both the retail and large-value payments.