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Decoding Bank Account Usage by Low Income Segments: Placing Reality in Digital Ecosystem

Policy innovations and the integration of digital technology are prompting a transformation of the financial services sector in India. But although hundreds of thousands of new accounts have been opened, a significant proportion remain un- or under-used. Grameen Foundation India and J.P. Morgan analyze why and what can be done to ensure low-income people are fully included in the financial system.

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