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The first phase of reform began with nationalization of the 14 banks in 1969. At this stage, priority sectors were identified and banking support was given to them. The second phase was the nationalization of 6 more banks in 1980. However, what can be considered as a breakthrough in banking services was the entry to private sector banks which was initiated in 1993. Eight new banks entered the market at this stage with state ? of ? art technology and a brought with them a new wave of professionalism. It was at this time that India was introduced to the concept of Debit and Credit cards, e-transfer of funds, ATM and mobile banking...
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