Financial inclusion  The overriding and most transformative driver would be the policy imperative to extend the reach of banking services and to provide fair, transparent and affordable products and services. To borrow from the spacecraft analogy given previously, the momentum to escape to the next orbit will come from universal financial access.
Apart from the potential to expand banks’ business manifold besides acquiring new customers for other value added services, they would have the satisfaction of contributing immensely to higher inclusive growth. This is an opportunity which will not present itself again.