In the late 1990s a move in the UK and US to have all Government payments made electronically contributed to heightening the importance of financial exclusion as a policy concern. Electronic government payments have made having a bank account essential in order to receive payments and benefits.
This has made it all the more important for unbanked consumers to access information on basic bank accounts savings accounts and other financial services. Financial education programs would be required to access information on financial services. In India too, improved technology will enable, for example, Governments to make all payments, including under various schemes electronically.