2019 Reading Comprehension - Financial Inclusion

Which one of the following is the most logical, rational and crucial inference that can be derived from the above passage?

• Efforts to bring people in India's hinterland into the banking system are not successful.
• For meaningful financial inclusion, India's banking system needs more number of banking correspondents and other such last-mile workers.
• Meaningful financial inclusion in India requires that banking correspondents have diverse skills.
• Better banking outreach would be impossible unless each banking correspondent is allowed to serve a number of banks.