India, Dec. 26 -- One of India's most dazzling achievements during the year 2019 has been in the field of financial inclusion. The number of Basic Savings Bank Deposit (BSBD) accounts increased from 73 million in 2010 to 574 million in 2019 following the introduction of the Pradhan Mantri Jan Dhan Yojana (PMJDY). Eighty per cent of the people of over 15 years of age now have a bank account. According to an assessment by the Economist Intelligence Unit (EIU), India has the fifth most conducive environment among emerging countries for inclusive finance. We should now strive to consolidate these gains. Let us not reduce them to mere flag posts and consign our financial revolution to the driftwood of history. Lessons from past experiences cauti...