Arundhati Bhattacharya : (3) " Banning cash transactions over R3 lakh will allow banks to diversify their banking activities into new areas and not mundane ones. " - Arundhati Bhattacharya " Competition is always there. " - Arundhati Bhattacharya " In any merger, the biggest challenge is always integration of human resources because the people who are coming in have a lot of apprehension. " - Arundhati Bhattacharya