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<h1>Financial inclusion: expand access to savings, payments, credit and insurance using technology, agents and simplified KYC.</h1> The Reserve Bank's financial inclusion strategy combines supply side reforms-zero balance Basic Savings Bank Deposit Accounts, authorised Business Correspondents, core banking and biometric/ICT adoption, simplified KYC including Aadhaar e KYC, and branch opening relaxations-with demand side measures-Financial Inclusion Plans, financial literacy programmes and integration of Direct Benefit Transfer-to expand access to savings, payments, credit, insurance and pension products via sustainable, technology enabled delivery models.