RBI Governor Raghuram Rajan today said that a decision on setting up 'Payments Banks' or specialised banks to provide services to small businesses will be taken only after looking into various aspects including arbitrage issues. He was speaking to reporters on the sidelines of the NASSCOM India Leadership Summit in Mumbai. Rajan said only after looking into all issues, RBI will firm up views on whether to move forward and under what structures. He was replying to a question related to setting up of such banks.A RBI constituted panel on financial inclusion headed by Nachiket Mor had recommended the setting up of the payments banks in order to deepen access to finance.In his address to the gathering, Rajan made several references to the recommendations of Mor panel, but underlined that the RBI is yet to take a call on their implementation.