Mobile banking will help achieve financial inclusion'

April 18, 2012

Mangalore, April 18: Mobile banking is the only vehicle that will help banks in the financial inclusion drive, Srikant Katti, Deputy General Manager, State Bank of India (SBI), has said.

He was speaking on “IT and banking: Challenges and prospects” as part of the national conference on “Information technology and its implications on the banking sector (NCITIBS 2012): challenges and prospects” organised by the Department of Postgraduate Studies in Commerce, University College, Mangalore, on Tuesday.

Mobile banking is the way forward because of its simplicity and it is up to banks to leverage it. It allows a person to carry his bank with himself.

Financial inclusion is a great opportunity to reach out to the underserved markets in rural and semi-urban areas.

It offers a big potential for business growth. Banks could use a judicious combination of technologies such as smartcards and mobile ATMs.

Another opportunity for banks to use technology is in e-governance. Everything in government is being digitised, with payments done through banks, and the sheer volumes involved will require IT, he said.

Cyber security is the biggest challenge to IT in banks. Increasing volumes of data in smaller storage space, higher costs and compliance regulations, maintaining data integrity and consolidating data from disparate systems are the other challenges.

“The last six to seven years have been a watershed in the banking technology vertical,” he said. In hindsight, it is difficult to believe that bank trade unions resisted computerisation two decades ago because banks today use the most complex technology.

Repetitive work and sheer volume make technology useful in banking industry. Banks can leverage social networking and micro-blogging sites to refine their products, get publicity and for feedback from customers.

Cloud computing is another technology that could be used but banks are hesitant about using it as they are sceptical about data security. But it may be considered after addressing the security issues, he said.

The core banking solution (CBS) has worked well with all data residing on it. It has successfully integrated ATMs, Net-banking, mobilephone banking, point-of-sale banking and rural banking. SBI has the biggest CBS platform with 17,000 branches networked on it. Now, regional rural banks are getting into the fold of CBS, he said.

N.K. Thingalaya, former Chairman and Managing Director of SyndicateBank, said that when he visited Barabanki in Uttar Pradesh, more people had mobile phones than bank accounts. He said the future of banking lay in that particular model because financial inclusion cannot be done from urban areas. Other than the capacity and willingness to save, there should also be the facility to save, he said.

B.R. Ananthan, Vice-Chancellor, Rani Channamma University, Belagavi, in his keynote address, said that IT should be taken to rural areas.

T.C. Shivashankara Murthy, Vice-Chancellor, Mangalore University, released a CD with excerpts from 100 papers presented on IT in banks.

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February 1,2026

Bengaluru: Karnataka Deputy Chief Minister D K Shivakumar on Sunday criticised the Union Budget presented by Finance Minister Nirmala Sitharaman, claiming it offered no tangible benefit to the state.

Though he said he was yet to study the budget in detail, Shivakumar asserted that Karnataka had gained little from it. “There is no benefit for our state from the central budget. I was observing it. They have now named a programme after Mahatma Gandhi, after repealing the MGNREGA Act that was named after him,” he said.

Speaking to reporters here, the Deputy Chief Minister demanded the restoration of MGNREGA, and made it clear that the newly enacted rural employment scheme — VB-G RAM G — which proposes a 60:40 fund-sharing formula between the Centre and the states, would not be implemented in Karnataka.

“I don’t see any major share for our state in this budget,” he added.

Shivakumar, who also holds charge of Bengaluru development, said there were high expectations for the city from the Union Budget. “The Prime Minister calls Bengaluru a ‘global city’, but what has the Centre done for it?” he asked.

He also drew attention to the problems faced by sugar factories, particularly those in the cooperative sector, alleging a lack of timely decisions and support from the central government.

Noting that the Centre has the authority to fix the minimum support price (MSP) for agricultural produce, Shivakumar said the Union government must take concrete steps to protect farmers’ interests.

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February 5,2026

Bengaluru: As air quality continues to worsen across several parts of the city, hospitals in Bengaluru are reporting a steady rise in patients suffering from respiratory illnesses such as asthma, bronchitis and Chronic Obstructive Pulmonary Disease (COPD), health officials and doctors said.

Data from the Suvarna Arogya Suraksha Trust (SAST) shows that 3,891 patients received treatment for respiratory ailments between April and November 2024. The figure rose to 4,187 during the same period in 2025.

Private hospitals, too, are witnessing a 10–15 per cent year-on-year increase in such cases.

While doctors caution that the rise cannot be attributed solely to air pollution, a significant number of patients are non-smokers with no prior history of respiratory disease.

“Nearly 70 per cent of the patients we see are non-smokers with no previous respiratory issues. When other causes are ruled out, air pollution emerges as the most likely factor,” said Dr Manjunath PH, consultant interventional pulmonologist at a hospital in Kengeri.

Doctors noted that patient footfall spikes during the winter months and around Deepavali, when air quality typically worsens.

“There is a clear correlation between poor air quality and the rise in cases. People commonly present with persistent cough, breathlessness and irritation of the respiratory tract, indicating the impact of polluted air on their health,” said Dr Sheetal Chaurasia, consultant in pulmonary medicine at a private hospital in Whitefield.

Dr Chaurasia added that respiratory tract infections are also on the rise.

“Poor air quality leads to chronic airway inflammation, making the airways more vulnerable to infections. We are seeing an increase in both upper and lower respiratory tract infections,” she said.

Patients with pre-existing respiratory conditions remain the worst affected.

“For those already diagnosed with respiratory illnesses, deteriorating air quality significantly worsens the condition. Both the frequency and severity of attacks increase sharply,” said Dr Vandana P, a pulmonologist at a hospital on Bannerghatta Road.

Doctors also flagged a worrying trend of rising respiratory problems among younger adults and children.

To reduce exposure, they advised people to wear masks while travelling on two-wheelers or autos and ensure adequate ventilation at home to minimise indoor air pollution.

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February 5,2026

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Mangaluru: The KSRTC Mangaluru division has rolled back the fare hike on buses operating on the Mangaluru–Kasaragod route following the suspension of toll collection at the Arikkady toll plaza near Kumbala in Kasaragod district.

The fare revision had been implemented after the National Highways Authority of India (NHAI) began toll collection at the Arikkady plaza on NH-66. As a result, fares for ordinary and Rajahamsa services were increased by ₹7 and ₹10, respectively, raising the bus fare from Mangaluru to Kasaragod from ₹81 to ₹88.

Senior Divisional Controller of KSRTC’s Mangaluru division, Rajesh Shetty, said the fares were reduced after toll collection at the Arikkady plaza was stopped. “The tollgate began operations on January 13, and the toll amount was deducted from the FASTag accounts of KSRTC buses operating on the route. Following an order from the central government to suspend toll collection, KSRTC has also withdrawn the additional fare with immediate effect,” he said.

At present, vehicles travelling on the Mangaluru–Kasaragod route pay toll only at the Talapady toll plaza. The toll for light motor vehicles (LMVs) at Talapady is ₹80 for a same-day return, while heavy vehicles, including buses, are charged ₹250. At Arikkady, the toll rates were ₹130 for LMVs (same-day return) and ₹450 for buses.

Protests against Arikkady toll plaza

The Arikkady toll plaza witnessed widespread protests from January 12, the day toll collection commenced. On the second day, an action committee led by Manjeshwar MLA A K M Ashraf launched an indefinite protest at the site. Except for the BJP, leaders and workers of most major political parties participated in the agitation.

On the night of January 14, a large number of protesters gathered at the plaza and vandalised property, following which authorities temporarily suspended toll operations. The BJP later also expressed opposition to the toll plaza and criticised NHAI’s decision. 

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