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Proceedings of the 4th ACM/IEEE International Conference on Information and Communication Technologies and Development - ICTD '10
The Indian government has undertaken an ambitious strategy for financial inclusion (FI) as part of its development agenda. With the aid of technology-enabled branchless banking initiatives, this drive has been successful in regards to extending access-nearly 60% of the Indian population is banked. However, empirical evidence suggests that the majority of bank accounts are not being utilized, especially not by the poor who are the target of FI. This paper examines the reasons for suchdoi:10.1145/2369220.2369242 fatcat:npx6lkyltvcxzd35fr4hown6he