In a rare case, a departmental inquiry comes up with a guilty verdict, the employee can appeal to the Federal Services Tribunal and if he is  unsuccessful, then all the way to the Supreme Court. Why will any right minded boss choose to go through such an ordeal? The alarm of employment losses after privatization is also unjustified for another reason.
We believe that banking to the poor is a viable business opportunity but costs and benefit exercise needs to be attempted by the banks to make financial inclusion congruent with their business models. Banks must view financial inclusion as a huge business opportunity and perfect their delivery models. Operational issues: need for intermediate structure 11.