In India, less than 40 percent of the adult population possesses a bank account. At the moment, recipients can withdraw money only from an ATM of the bank where the sender holds an account. However a new scheme by the Reserve Bank of India (RBI) proposes to change the entire game. RBI plans to set up a payments system wherein transfer of funds is possible from bank account holders to those without accounts via Automated Teller Machines (ATM).