A study of how young people and older people like to bank
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Banks are essential for connecting savers with investors and allocating resources
efficiently. In the last two-three decades, the banking industry has been characterized by
innovation, intensifying competition and expansion of technology based distribution
channels. The Indian banking system consists of 26 public sector banks, 20 private
sector banks, 43 foreign banks, 56 regional rural banks, 1, 589 urban cooperative banks
and 93, 550 rural cooperative banks, in addition to cooperative credit institutions.
Public-sector banks control nearly 80 percent of the market, leaving comparatively
much smaller shares for its private peers.
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