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The government of India is attempting to deliver financial services to all its citizens for three main reasons, states Shabori Das, research analyst at Euromonitor. First, to maintain its current growth rate India wants more citizens to be able to have a bank account, take out loans and send money easily. Second, these services will help close the gap between the rich and poor and the rural and urban. Third, the Indian government hopes to change the mindset of the rural population that still use cash for almost all transactions.

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