That is a bit much to ask as it is simply inherently unachievable. For that matter, the market participants represented in the National Forum on the Payment System have made great efforts to further increase the robustness and safety of payments transfers, partly in response to last year’s repeated disturbances of payment systems. For instance, almost the entire PIN chain has a fall-back facility.
However, part of the reason is that some bank results, mainly public sector banks, have not been, to put it mildly, pretty. Clearly, an important factor has been the Asset Quality Review (AQR) conducted by the Reserve Bank and its aftermath. So it may be useful to understand the rationale for the AQR, the process, and what I believe will be the outcome.