New Delhi, July 21 -- The banking regulator, the Reserve Bank of India (RBI), in an official draft, declared that banks should not mandate digital banking for users to access other services and proposed stronger fraud protection rules to protect customers.

This means that, according to the central bank directive, the banks cannot make it mandatory for their customers to choose any 'digital banking channel' to avail services like debit cards.

"Banks shall not make it mandatory for the customer to opt for any digital banking channel to avail any other facility like debit cards," said the RBI in the official statement.

Digital Banking Channel means the services provided by a bank to its customers through its website, mobile phones, or oth...