The Reserve Bank has received recommendations from the External Advisory Committees on Payment Banks chaired by _______ and on Small Finance Banks chaired by_____. Fill in the blanks. 

The Reserve Bank has received recommendations from the External Advisory Committees on Payment Banks chaired by Dr. Nachiket Mor and on Small Finance Banks chaired by Smt. Usha Thorat. Now an internal committee of the Reserve Bank, composed of its Deputy Governors and the Governor, is going through each of these applications again. Finally, a set of recommendations will be presented to the Reserve Bank Board, which will decide the final list of successful applicants. I hope to announce at least one set of bank licences before the end of the month.