**Passage**
In the last decade, the banking sector has been restructured with a high degree of automation and products that mainly serve middle-class and upper middle-class society. Today there is need for a new agenda for the banking and non-banking financial services that does not exclude the common man.
Which one of the following is the message that is essentially implied in the above passage?
(a) Need for more automation and more products of bank
(b) Need for a *** restructuring of our entire public finance system
(c) Need to integrate banking and non-banking institutions
(d) Need to promote financial inclusion