When we talk about smart banking and financial inclusion, it is usually about a person, who had not even seen a smart phone and is able to operate it today. We want people to learn sophisticated technology nowadays, but it should be about how an uneducated person can avail smart services easily. For example, the advent of the Aadhaar card, even though it is a welcome initiative, there is a problem. We are asking the poor to come into Aadhaar fold, but why we are not asking the rich ones to have an Aadhaar? I will ask all of you to have Aadhaar, let them follow you and not the vice versa.