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?

The passage states that the banking sector's current focus on automation and products for the middle and upper-middle class has led to the exclusion of the common man. It then explicitly calls for a "new agenda...that does not exclude the common man." A) Need for more automation and more products of bank: This contradicts the passage's implied criticism that the current high automation and specific products contribute to exclusion. The passage does not call for more of the same. B) Need for a radical restructuring of our entire public finance system: The passage focuses specifically on banking and non-banking financial services, not the entire public finance system, and it calls for a new agenda for inclusion, not necessarily a radical restructuring of the whole system. C) Need to integrate banking and non-banking institutions: While the passage mentions both banking and non-banking services, it doesn't explicitly call for their integration. It calls for them to collectively address the issue of exclusion. D) Need to promote financial inclusion: The phrase "does not exclude the common man" directly means to include the common man in financial services. This is the core definition of financial inclusion. The passage's essential message is to ensure that financial services are accessible to everyone, especially the common man, which is precisely what financial inclusion aims to achieve.