A lack of education among bank staff at the branch level is the main reason for the slow adoption of electronic transfers in India, said Vittaldas Leeladhar, a deputy governor of the Reserve Bank of India.

In a recent speech on payment and settlement system, Leeladhar cited results from a recent survey, conducted by a regional branch of the central bank, which found that several bank branches were not even aware of the national electronic fund transfer system, and urged banks to raise awareness