India presently faces the challenge of achieving financial inclusion, with the banking system estimated to be covering only 400 million of India's population of 1.2 billion. As per Reserve Bank of India (RBI) data, current users of the banking system are largely in urban areas. An important...

This report highlights progress being made in modernising the banking, telecommunications, electricity, air freight sectors in the Baltic States. It analyses the impact of the EU Acquis communautaire on their regulatory frameworks and trade liberalisation process. It also provides valuable...

Reforms are overt responses to the need for reorganisation so as to bring about a change in the existing status quo for the purpose of achieving an improved state or efficiency. eforms are actuated by a myriad of reasons, amongst which is the exigencies of the dynamics of business and commerce....

Modernisation of service industries and the expansion of international trade have been important elements of the reform process in the Baltic States, aimed at establishing a business-friendly and pro-competitive environment for services in Estonia, Latvia and Lithuania