Minister of State for Finance, Jayant Sinha today said a combination of inclusion, access and liquidity will transform financial inclusion in the country. Addressing the Payments Banks Conference in New Delhi. Mr Sinha said Direct Benefit Transfer has been incentivised to encourage financial access. He said financial products are needed in order to take advantage of the financial architecture. Saying that universal digital KYC is an enormously important requirement for India, he asserted that costs will come down once it is implemented.