Reimagining the Banking Business Model

Lalitagauri Kulkarni () and Vasant Chintaman Joshi ()
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Lalitagauri Kulkarni: Gokhale Institute of Politics and Economics
Vasant Chintaman Joshi: Bank of India

Chapter Chapter 8 in Inclusive Banking In India, 2021, pp 155-185 from Springer

Abstract: Abstract The current microfinance policy in India needs to be reconsidered due to issues like lop-sided growth, regional imbalances and ‘mission drift’. A clear-cut elaboration of a new business model is provided as a roadmap for the inclusive banking policy in India. For adopting the new business model, the narrative of financial inclusion should be changed. The low-income customers should be treated as the ‘bulk’ of the population and not as the ‘bottom’ of the pyramid.

Date: 2021
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Persistent link: https://EconPapers.repec.org/RePEc:spr:sprchp:978-981-33-6797-5_8

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DOI: 10.1007/978-981-33-6797-5_8

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