The latest Reserve Bank of India (RBI) Report on Currency and Finance is a must read for everyone, a data rich, evidence backed report on why we need to adapt to climate change that is already on us. For our readers cued into financial inclusion, the RBI has highlighted the stress on household finances from adverse effects of rising temperatures - the changing pattern of the monsoon, heatwaves, cyclones, flash floods, rising sea level etc. At this juncture when India has successfully addressed the challenge of providing access to banking and establishing a retail digital payment ecosystem that is growing manifold, a more granular approach to financial inclusion is now on the cards. For example, as