systems, telephonic banking, credit cards, and electronic fund transfers are beingintroduce in a small way and will be prevalent in most of the banks in the coming years.In other financial services, including insurance services, very little computerizationhas taken place. This lack of IT resources has resulted in poor services to customers andinadequate controls leading to delinquency in loans .In capital markets, both primary andsecondary, only low levels of technology are in use .In primary markets the lack ofcomputerization and communication facilities results in long delays in the financial ofsubscription of new issues. The Bombay and National Stock Exchange have recentlyadopted screen based trading.At the lower end of banking, that is rural banking, many of these technologies maynot have relevance except for the wealthy, at least for a decade or more .The problem inthe bulk of our village communities is to generate money and make it available toworkers, not merely for their subsistence but to carry out some economic activities oftheir own with small investments. Financial or lending systems for such poor rural folkcould be patterned on the grameen bank systems successfully operated in Bangladesh.Rural telephone access either through RAX (Rural Exchange) systems developed by CDoTor through wireless in the loop systems will be useful in extending the range ofoperation.Marketing communication servicesMarketing communication which comprises services such as advertising, market researchand entertainment, depends primarily on the stage of economic development and thenature of the target groups .The Indian economy has been growing at an average rate of 5per cent from 198080resulting in a middle class population of 200250million. Thoughcurrently 70 per cent of the population is rural, by thesystems, telephonic banking, credit cards, and electronic fund transfers are beingintroduce in a small way and will be prevalent in most of the banks in the coming years.In other financial services, including insurance services, very little computerizationhas taken place. This lack of IT resources has resulted in poor services to customers andinadequate controls leading to delinquency in loans .In capital markets, both primary andsecondary, only low levels of technology are in use .In primary markets the lack ofcomputerization and communication facilities results in long delays in the financial ofsubscription of new issues. The Bombay and National Stock Exchange have recentlyadopted screen based trading.At the lower end of banking, that is rural banking, many of these technologies maynot have relevance except for the wealthy, at least for a decade or more .The problem inthe bulk of our village communities is to generate money and make it available toworkers, not merely for their subsistence but to carry out some economic activities oftheir own with small investments. Financial or lending systems for such poor rural folkcould be patterned on the grameen bank systems successfully operated in Bangladesh.Rural telephone access either through RAX (Rural Exchange) systems developed by CDoTor through wireless in the loop systems will be useful in extending the range ofoperation.Marketing communication servicesMarketing communication which comprises services such as advertising, market researchand entertainment, depends primarily on the stage of economic development and thenature of the target groups .The Indian economy has been growing at an average rate of 5per cent from 198080resulting in a middle class population of 200250million. Thoughcurrently 70 per cent of the population is rural, by thesystems, telephonic banking, credit cards, and electronic fund transfers are beingintroduce in a small way and will be prevalent in most of the banks in the coming years.In other financial services, including insurance services, very little computerizationhas taken place. This lack of IT resources has resulted in poor services to customers andinadequate controls leading to delinquency in loans .In capital markets, both primary andsecondary, only low levels of technology are in use .In primary markets the lack ofcomputerization and communication facilities results in long delays in the financial ofsubscription of new issues. The Bombay and National Stock Exchange have recentlyadopted screen based trading.At the lower end of banking, that is rural banking, many of these technologies maynot have relevance except for the wealthy, at least for a decade or more .The problem inthe bulk of our village communities is to generate money and make it available toworkers, not merely for their subsistence but to carry out some economic activities oftheir own with small investments. Financial or lending systems for such poor rural folkcould be patterned on the grameen bank systems successfully operated in Bangladesh.Rural telephone access either through RAX (Rural Exchange) systems developed by CDoTor through wireless in the loop systems will be useful in extending the range ofoperation.Marketing communication servicesMarketing communication which comprises services such as advertising, market researchand entertainment, depends primarily on the stage of economic development and thenature of the target groups .The Indian economy has been growing at an average rate of 5per cent from 198080resulting in a middle class population of 200250million. Thoughcurrently 70 per cent of the population is rural, by thesystems, telephonic banking, credit cards, and electronic fund transfers are beingintroduce in a small way and will be prevalent in most of the banks in the coming years.In other financial services, including insurance services, very little computerizationhas taken place. This lack of IT resources has resulted in poor services to customers andinadequate controls leading to delinquency in loans .In capital markets, both primary andsecondary, only low levels of technology are in use .In primary markets the lack ofcomputerization and communication facilities results in long delays in the financial ofsubscription of new issues. The Bombay and National Stock Exchange have recentlyadopted screen based trading.At the lower end of banking, that is rural banking, many of these technologies maynot have relevance except for the wealthy, at least for a decade or more .The problem inthe bulk of our village communities is to generate money and make it available toworkers, not merely for their subsistence but to carry out some economic activities oftheir own with small investments. Financial or lending systems for such poor rural folkcould be patterned on the grameen bank systems successfully operated in Bangladesh.Rural telephone access either through RAX (Rural Exchange) systems developed by CDoTor through wireless in the loop systems will be useful in extending the range ofoperation.Marketing communication servicesMarketing communication which comprises services such as advertising, market researchand entertainment, depends primarily on the stage of economic development and thenature of the target groups .The Indian economy has been growing at an average rate of 5per cent from 198080resulting in a middle class population of 200250million. Thoughcurrently 70 per cent of the population is rural, by the