"In India, we serve a variety of customers. We also serve those who are digital savvy and who would not like to have anything physical but on phone clicks. There are also customers who have financial and digital literacy as a major concern.source https://economictimes.indiatimes.com/industry/banking/finance/banking/physical-and-digital-modes-of-financial-services-to-co-exist-in-india-sbi-chairman-dinesh-kumar-khara/articleshow/88441042.cms
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