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4. Ministry of Finance, (2012), Banking, Insurance, Pension, A journal of the department of financial services, Issue1. Retrieved from:http://financialservices.gov.in/DFS% 20 Journal %20(F).pdf.
5. Indian Banks Association, Indian Banks Association, IT-enabled Financial Inclusion, Dept of Social Banking. Retrieved from: http://www.iba.org.in/events/ITEnabled%20FinInclApproachPaper.pdf.