The Indian banking and financial sector has endured a long journey from social and development banking to digital banking and financial inclusion. In recent years, there has been a growing consensus in support of digital financial inclusion. Several influential international entities argued strongly in favor of digitization of banking and expansion of digital finance. We tried to understand the journey of Indian banks through the lens of historical and economic changes, ranging from social and developmental banking to digital financial inclusion. In particular, the journey has been analyzed in the context of the changing role of the state, data-driven banking, and the infrastructural base required for a digital banking and payment system. Further, drawing experiences from other emerging nations, an attempt has been made to understand how far digital financial inclusion would be successful in India in reaching the unbanked and marginalized.

印度的银行和金融部门经历了从社会和发展银行到数字银行和金融普惠的漫长旅程。近年来，在支持数字金融包容性方面已经有了越来越多的共识。几个有影响力的国际实体强烈支持银行数字化和数字金融扩展。我们试图通过历史和经济变化的角度来理解印度银行的发展历程，从社会和发展银行业到数字金融包容性。特别是，在国家角色不断变化，数据驱动型银行以及数字银行和支付系统所需的基础设施的背景下对这一旅程进行了分析。此外，借鉴其他新兴国家的经验，