Big banks: Boon or bane?With reference to ‘Pros and cons of a big bank push’ (November 19), the size of banks plays a crucial role in attracting global business and achieving growth.However, on the flip side, given the complexities an immediate large scale bank consolidation seems to be unviable, but at least a beginning can be made towards this perspective, aiming to reach the stage over next ten years at least.Presently all the revenue growth-savvy States are competing to attract global investments to augment their resource base and and create jobs. Indian banks must leverage foreign funds to fuel their global growth.Sitaram PopuriBengaluruThis refers to the article “Pros and cons of a big bank push” (November 19). The idea of scaling up Indian banks to match global giants is ambitious, but not without risk. While larger banks can fund infrastructure and support economic expansion, size alone doesn’t guarantee stability or efficiency.The concern that big banks may become “too big to fail” is real, especially in a system where regulatory oversight is still evolving.Moreover, consolidation could sideline regional banks that serve niche or underserved markets. Growth must be matched by governance, and ambition tempered with caution.India needs banks that are not just big, but resilient, transparent, and inclusive.A phased approach — strengthening risk management, improving digital infrastructure, and protecting smaller institutions — might offer a more balanced path.Building strong banks should not come at the cost of systemic fragility.Kulanthaisami ParamasivanCoimbatoreThe human aspectApropos ‘Development plans are about knowing the mind’ (November 19), the article makes a compelling case for integrating behavioural insights into policy design.Too often, development programmes falter not because of poor intent, but because they overlook how people actually think, decide, and act.Risk aversion, group dynamics, and the slow erosion of motivation are central to success. It’s time planners moved beyond spreadsheets and embraced psychology as a core tool.A simple way forward would be to embed behavioural experts within planning teams and track not just outcomes, but shifts in community mindset.Development is not just about infrastructure — it’s about trust, habit, and human response. If we want lasting change, we must first understand the people we’re trying to serve.Abbharna BarathiChennaiPublished on November 19, 2025