Recently we read in the newspapers that RBI is evolving models to achieve more "Financial Inclusion". Which among the following is a big problem in rural branches which poses a backdrop in 'financial inclusion'?

Recently we read in the newspapers that RBI is evolving models to achieve more "Financial Inclusion". Which among the following is a big problem in rural branches which poses a backdrop in 'financial inclusion'?
1). There is little infrastructure in Rural areas of India
2). Most of the rural branches are not CBS (Core Banking System) compliant
3). The Banking Business in Rural areas is not profitable
4). None of these

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