Greater financial inclusion could be achieved through state-driven intervention by way of statutory enactments, said Kamalesh Chakrabarty, a deputy governor of the Reserve Bank of India.

Chakrabarty said that good examples of such a policy could be seen in the United States, with its Community Reinvestment Act, or France, which made it a statutory right to have a bank account.

He also said the use of information-technology solutions for providing banking facilities at people's doorsteps had a