Our mindset does not change; at least not easily.
An example.
Currently, India has 88 scheduled commercial banks (SCBs) - 27 public sector banks (that is with the Government of India holding a stake), 31 private banks (these do not have government stake; they may be publicly listed and traded on stock exchanges) and 38 foreign banks. They have a combined network of over 53,000 branches. The number of cooperative banks is 327 (number of branches not known).
Millions of cheques are generated in these banks every day involving extensive spending of scarce resource and use of tonnes of paper by way of filling up of pay-in slips, pinning, separating, filing and creating enormous record.
Time has come when attaching pay-in slips is done away with. Let the cheque holder write his name, address, a/c no., date, telephone no. on the back of the cheque leaf and deposit it with his bank. Cheques should be printed with these details.
Drop box is one innovative way of cutting down on red tape. It would be another by which we would save enormous time, money, energy, paper and hassle.
I WROTE IT TO INDIAN BANKS ASSOCIATION. PROMPT CAME THE RESPONSE IN TWO WORDS: GOOD SUGGESTION.
End of the matter. As I said it is the mind set. The international song: WE SHALL OVERCOME.
In India, WE SHALL NOT CHANGE.