In the last decade, the banking sector has been restructured with a high degree of automation and products that mainly serve middle-class and upper middle-class society. Today there is a need for a new agenda for the banking and non-banking financial services that does not exclude the common man.

Which one of the following is the message that is essentially implied in the above passage ?

Need for more automation and more products of banks

Need for a radical restructuring of our entire public finance system

Need to integrate banking and non-banking institutions

Need to promote financial inclusion