While the traditional brick and mortar structures have helped in taking basic banking services to the nook and corners of our country, the advent of digital  dbie.rbi.org.in https://www.rbi.org.in/Scripts/ATMView.aspx?atmid=136 5 RBI Annual Report 2021-22 3 4  3  innovations in the extension of financial services, have the potential to be an enabler for graduating to the next level of financial inclusion where the quality of inclusion takes precedence over just availability of financial services.
India as a continental economy with multiple languages and cultures, different and sometimes even difficult terrains, large population and low-income levels need to ensure inclusive growth. The focus is thus not only on opening the bank accounts but also making available a bouquet of financial services transactions, payments, savings, insurance, and ensure easily accessible and affordable credit to the customers.