Which of the following initiatives by RBI has NOT helped in financial inclusion? 

For Financial Inclusion, RBI has taken following actions- •      Advised all banks to open Basic Saving Bank Deposit (BSBD) accounts with no minimum balance •      Relaxed and simplified KYC norms to facilitate easy opening of bank accounts especially for small accounts with balances not exceeding Rs. 50,000 and aggregate credits in the accounts not exceeding Rs.One lakh a year. •      Simplified Branch Authorization Policy, to address the issue of uneven spread bank branches •      Compulsory Requirement of Opening Branches in Un-banked Villages •      Opening of intermediate brick and mortar structure •      Business Correspondent and Business Facilitator (BC-BF) Model was allowed in which basic banking facilities can be given using the agents •      All banks were asked to work on a board approved Financial Inclusion Plan