Banks are obviously asking themselves the very relevant question whether it is worthwhile to invest and maintain this type of processing capabilities, or should they be outsourced or bought from companies which are specialized in processing. Should banks not concentrate in what they know best: customer relationship and risk management?
As per the evidence available, the foreign banks in India, which are present in the form of branches, seem to enjoy greater freedom in their operations, including retail banking, in the country  BIS Review 66/2004  1  on par with domestic banks, as compared with most of the other developing countries.