Banks have to very clearly focus on the communication aspect if they have to reap the benefit of modern payment system products & processes which have to be understood & then used by the wider segments of the population.
However, what we achieved in fostering internal demand was undone by the subsequent decrease of net exports in a decelerating world economy. These developments did not make our policy less effective, only ex-post insufficient for the desired outcome. BIS central bankers’ speeches  1  Naturally, all policies have limits.