The emphasis is on whether banking access translates into meaningful use. Murmu’s message places effective participation and informed decision-making at the centre of assessing inclusion, rather than treating access alone as a sufficient measure of progress.

The call comes as technological change and shifts in customer behaviour require banking systems to respond. As digital inclusion expands, the focus remains on how people engage with financial services and whether they can make choices with adequate understanding. The report does not specify particular products or customer segments for banks to prioritise.

Artificial intelligence also features in this approach. The report highlights its role in identifying capabilities among different groups. Alongside this, institutions need skilled employees who can question models, keeping human judgement relevant as technology becomes a larger part of banking.

The supplied report does not set out a detailed implementation plan or a timetable for banks. It presents a direction for thinking about inclusion: pay attention to actual use, customer understanding and the institution’s ability to assess the technology supporting its work.