banking services chronicle pdf download Published this articles page no 104 There is no doubt that innovations have made a difference to society from times immemorial. But they should not be restricted to individual efforts of scientists and researchers alone. The innovative spirit in each one of us has to be nurtured from the very beginning and young minds taught to think out of the box rather than just get through with rote learning. This calls for a reformation in the education system as also changing the mind set of parents and the society at large. Collective efforts by all relevant stakeholders can make all the difference. banking services chronicle pdf download
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