Digital India. They should start charging for online opening of bank account, use their android app, downloading statements in pdf format, viewing balance, etc. They could maybe provide relief saying if you open a bank account online within 3 minutes, it'll be free. And opening their android app 30 times a month will be free after that they'll charge 2 rupees per launch. And downloadling 3 statements per month is free and rupees 3 per statement later on.