Conclusion 27. I have listed in brief a few basic issues that need the attention of researchers. These are indicative in nature and deal with the core areas that the bankers deal with in their everyday functioning. Besides, the issues that I have discussed in details above, some of the  3  6  Average over April – January 2012–13.
2  BIS Review 37/2005  Other examples of strong private-sector competition provided by the Clearing House Interbank Payments System (CHIPS) and the Electronic Payments Network (EPN), are the large-value funds transfers and ACH processing services to an increasing number of large banks that originate many of these payments.