Giving the lenders the option to decide which place requires banking presence through a brick-and-mortar model and where a step-down presence would help, Sitharaman made it clear that she is not against digitalisation and efforts.
source https://economictimes.indiatimes.com/industry/banking/finance/banking/many-districts-lack-banking-presence-despite-high-level-of-economic-activities-says-sitharaman/articleshow/86525987.cms
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