If we look at the mortgage process, very little of that is automated. Certainly, the application can now be done online. Yet, it still required a great deal of human involvement

true and it's in the same position. We can apply online only and that's like 20% of the process. The rest of the process is manual and because of human involvement, it takes a long time for approval and disbursement.

Many things have gone digital completely but some more need to be digitalized so that that it takes less time and hassle-free as well.

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