The country is witnessing some significant changes in demographic patterns, literacy levels and resultantly in consumer behavior. The rural- urban divide is quite remarkable and also influences the choices the consumers make. Banks have to be constantly aware of the dynamic changes in consumer preferences and hence, the need for research gets buttressed. 13.
Ben S Bernanke: Remarks on historically black colleges and universities Speech by Mr Ben S Bernanke, Chairman of the Board of Governors of the US Federal Reserve System, at the 2008 National Historically Black Colleges and Universities Week Conference, Washington DC, 9 September 2008. *  *  *  Good morning. I am very pleased to join you at this conference.