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From providing plain vanilla banking services, banks have gradually transformed themselves into universal banks. ATMs, Internet banking, mobile banking and social banking have made "anytime anywhere banking" the norm now.  The banking sector has changed a lot, and is set to be transformed even further.

The real contribution of private sector banks has been to transform the way banking is done in India, says Chanda Kochhar, the MD & CEO of ICICI Bank.
The government's reforms not only lack breadth as they need to be across sectors, but more importantly they lack depth as well, says Selco India MD H. Harish Hande.