  We have encouraged banks to include performance on financial inclusion in the performance evaluation of their field staff.   We are encouraging state governments to shift to “electronic benefit transfer” (EBT) – that is that all benefits and wages that the government pays to people should be remitted directly to the bank accounts of the beneficiaries.
After the election, given the intention of the new government to substantially change or even terminate the programme, the Governing Council could no longer assume that the programme review would be successfully concluded, and the waiver was lifted.