“The budget sets out a clear direction for growth with minimum scope for speculation and changes. The financial inclusion agenda gets a boost with the proposal for setting up of differenciated banks /payment banks. Acceptance of aadhaar and low cost cash out infrastructure, will make the payment bank a reality and we will look to government”s acceptance of this as an essential infrastructure to support investment in this sector. Further emphasis on automation /ITES in the budget, will open up opportunities in the mobile application and mobile wallet usage.” says Pramod Saxena, founder abd CMD, Oxigen services India.”