Staff-less banks and tech savvy customers…

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Indian banking landscape has evolved over the years. Last few decades have brought in unprecedented developments, in the way a customer conducts financial transactions. Increased internet penetration, processing speed, telecom revolution bringing mobile phones in everybody’s hands and data availability have given a huge boost to financial innovation in the last two decades. But the business model of banks remains the same – accepting deposits on one hand and lend as well as invest on the other. What has changed is the channel and speed of delivery and price of the products. How this will transform in the future is an interesting watch.

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Dr S Durairajan
Dr S Durairajan
The author retired as General Manager from the RBI. He holds a Msc, MBA, CAIIB and PhD (in Economics) and has worked as faculty in bank's training college, Bharatidasan Institute of Mgmt, and XLRI.

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