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    <title>Demonetization 2016 – purpose not achieved – let us learn for next demonetization which may not be far away</title>
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    <description>Demonetization 2016 failed to achieve its objectives because poor planning, inadequate currency replacement and ad hoc policy changes undermined efforts to curb terrorism financing, corruption, counterfeit notes and black money; the introduction of a new high denomination note and operational shortcomings shifted risks rather than eliminated them, producing widespread public hardship and exposing institutional failures in policing, banking and administrative accountability.</description>
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