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     EduGorilla 
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    In the last decade, the banking sector has been restructured with a high degree of automation and products that mainly serve middle-class and upper middle-class society. Today there is need for a new agenda for the banking and non-banking financial services that does not exclude the common man.

    Which one of the following is the message that is 
    essentially implied in the above passage?

    Options :-

    1. Need for more automation and more products of bank

    2. Need for a radical restructuring of our entire public finance system

    3. Need to integrate banking and non-banking institutions

    4. Need to promote financial inclusion

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