  While access to financial services has improved, the usage of the financial infrastructure continues to be tardy. While more than 2.70 lakh banking outlets are available across the country, the number of transactions in these accounts remains unimpressive. For instance, nearly half of the Basic Savings Bank Deposit accounts  BIS central bankers’ speeches  3  are not seeing transactions.
Thank you and God bless. 2  BIS Review 90/2007