Today, availability of banking technology has brought the realisation that poor are bankable with good business prospects and hence our efforts should be in the direction of using technology in such a fashion to make the transaction cost cheaper and affordable for the poor.
(ii)  Macroprudential framework  Microprudential policies are typically aimed at building the resilience of individual institutions, while a macroprudential approach focuses on system-wide risks and vulnerabilities and a range of instruments or tools that might be used to build greater financial system resilience to the risks associated with the extremes of the credit cycle.