Mindset of Staff Manning Customer Services Require Massive Change in India: ASSOCHAM

Be it a post office, not in some remote area but in big cities of Mumbai and Delhi, or a public sector bank, state-owned MTNL, BSNL or several other government owned and run organisations, the ease of doing business, especially for a small entrepreneur is missing despite a well-meaning digital drive of the government, an ASSOCHAM paper has noted with concern.

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“Experience of hundreds of small entrepreneurs trying to open a current account with a public sector bank throws a discouraging picture. For opening a current account even for a service –oriented activity of say, accounting, content –writing or giving advisory like cookery, the branch manager in several banks would still insist on registration with some state government department, even when the person does not want any incentive, favour, or even loan from any lending institution.” cites the paper.

“There are bizarre cases where the branch manager would tell the person seeking current account to get a registration from the directorate of industries when there is no intention to open any industry,” the paper found sharing the experience of hundreds of budding entrepreneurs.

It said the concept of “startups” should not confine itself to the IIT or IIM pass outs with venture capitalists funding the ventures and making headlines in the media.

“There are lakhs and lakhs of literate and semi-literate individuals wanting to get into the financial system, but are denied the entry”. Despite so much stress on the financial inclusion programme of the government, opening a current account in a public sector bank is a nightmare for those who are beginners in the business. Despite all the core banking and digital solutions, the voluminous paper work remains intact.