What are the various factors that played role in increasing the financial inclusion in India. Also, examine the various role Payment Banks could play in furthering the goal of financial inclusion and what are the issues faced by Payment Banks. 10 marks

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https://www.livemint.com/opinion/online-views/payment-banks-could-fast-track-our-financial-inclusion-journey-11610033141696.html
In the intro, mention some figures about the increase in bank account holders in India.
In the body, mention the factors and initiatives such as JAM trinity, Jan Dhan Yojana, DBT that played important role in increasing financial inclusion in India. In the challenges mention limit of 1 lack on deposit in such banks, restriction on micro-lending by payment banks etc.
Conclude by mentioning the need for policy changes to achieve the inclusion potential of the Payment Banks.