Financial inclusion, thus, was not designed as a programme in isolation, but as a part of the overall strategy in  BIS central bankers’ speeches  1  regard to the role of the central bank, as warranted by the Indian context of inadequate access to essential financial services.
I was acutely aware, having been a Deputy Governor for six years, that the needs of the common person were not served well enough by the financial sector, despite all the investment, innovation and strengthening of existing institutions in the financial system, particularly banks.