Having achieved success in improving access to banking services, there is a need to improve the usage of facilities, Reserve Bank Deputy Governor Swaminathan J has said. The career commercial banker-turned-central banker exhorted bank officials to know their districts very well in the pursuit of the aim. "India has made significant strides in enhancing 'access' to banking and financial services, reaching even the most remote areas. However, there is still considerable ground to cover in deepening financial inclusion. This requires greater focus on promoting 'usage' and improving the 'quality' of services," he said. Addressing the Conference of Lead District Managers and District Development Managers in Hubballi last Friday, Swaminathan said it is imperative for bankers to follow the maxim of "know your district well" by having a deep understanding. The district profiles should include detailed demographic information, agricultural trends, banking penetration and activities, industr