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Quantum key distribution (QKD) is a technology, based on the quantum laws of physics, rather than the assumed computational complexity of mathematical problems, to generate and distribute provably secure cipher keys over unsecured channels. The authors are using this concept of QKD for the online banking systems. The paper aims to discuss these issues.

In order to function properly, any system using QKD needs to transport both quantum and classical data from a specified source to a specified destination, resolve competing requests for shared hardware, and manage shared keys between neighboring trusted nodes via a multi-hop mechanism. In this paper the authors are going to explain the transmission and control system for QKD implementation in online banking systems.

This paper presents the transmission and system control of QKD for online banking system is feasible under specific conditions outside a laboratory. Above, the authors have shown the research on the QKD based online banking systems. Though the current researches are focused on QKD systems for online banking systems, the techniques discussed can be applied to other quantum information processing involving photons. Combination with other efforts that are not mentioned here, such as entangled-photon-sources, single photon sources, two-qubit gates, and so on, will provide a rigid foundation for future quantum information technologies.

Recognizing the importance of online access as one of the vehicles for the development of cheaper, faster and more reliable services there are areas of improvement where all involved parties should endeavor to improve toward the deployment of services without unnecessary or excessive risks. This improvement applies to both retail and commercial customers and does not endorse any particular technology.

This paper examines India's socio-economic attributes and different financial dimensions of financial inclusion (FI).

The paper uses a principal component analysis (PCA) to build indexes related to financial dimensions. It applies the logistics regression model and the Fairlie decomposition method to determine India's socio-economic and financial characteristics of FI.

Based on the logistic regression, socio-economic factors like age, gender, marital status, level of education and religion have an impact on FI. The use of financial institutions has positively contributed to the probability of FI, while the low proximity of financial service providers retards the process of FI. Fairlie decomposition concludes regional disparity and gender disparity in FI; however, the rural–urban gap in FI is not captured by the variables included in the study. The main reasons for the discrepancy are lack of education, financial literacy, the proximity of financial service providers and lack of financial institutions.

This paper makes two important contributions: first, it presents a micro-level analysis of FI across the socio-demographic strata of India, and second, it demonstrates the regional, rural–urban and gender disparity in FI in India.