cartierlovejesduas I completely concur that we are likely to see significant gains in financial inclusion in India over the short term. That said, while the regulatory barriers (which were significant) are starting to break down, several other barriers remain and new entrants in this space should not expect easy pathways or quick returns. Reaching the BoP sustainably is going to take a lot of experimentation and innovation especially in terms of the delivery channels and getting the products right. As an example, the very promising BC channel still continues to struggle from operational challenges even though the regulatory space it operates in has gotten increasingly supportive. The new banking licenses will be a first step in a long (and exciting) journey.
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