By which scholar insurance defined as "insurance is a social device for making accumulation to meet uncertain losses of capital which is carried out through the transfer of risk of many individual to one person or to a group of persons"?

Identify the correct combination of statements with regard to banking in India.
1. For many years the presidency banks had acted as quasi-central banks.
2. The Bank of Hindustan was liquidated during 1829-32.
3. General Bank of India was an unsuccessful bank and was dissolved in 1791.
4. Bank of Calcutta was renamed as Bank of Bengal in 1921.

The coverage of Right to Information Act (RTI), 2005 is:

One of the items is not related with e-banking.

Second generation reforms in our country do not comprise of which one of the following?