It is difficult to achieve financial inclusion without involving rural-India in the payment system out-reach and those banks who do so first, will reap the benefits of increase in volumes and increase in market-share, leading to concomitant increase in revenues, and of-course increase in other businesses as well.
So it is crucial that we complete the Single Market for services and expand its reach into new areas, especially those that are relevant for innovation, such as the digital economy. This is an essential driver of economic progress that benefits consumers, businesses and the economy as a whole and will also provide a healthy ecosystem for financial services.6  Conclusion Let me conclude.