There are only 14 bank branches for every 100,000 people in India compared to the UK and US which have upwards of 25 branches per 100,000. So if DBUs make a dent, this could be a boon to public sector banks. It could help them focus on the really important things and then leave the more mundane jobs to these semi-digital entities. But financial inclusion isn't just about having the infrastructure available but how readily people can use banking services as well.