Further, most of the accounts opened by BCs have remained non-operational. In order to ensure participation of all stake holders in the financial inclusion process, we have advised banks to disaggregate the FIPs upto the Controlling Office and branch level.
This would ensure that bank officials at the ground level are aware of the banks objective under FI and of the specific targets given to each Zone/branch for achieving the objectives. Technology Issues Another bottleneck in achieving financial inclusion is the non-availability of physical and digital connectivity. For the success of the ICT based model, resolving technology related issues is the key.