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They will certainly use M&A as a strategy.
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Foreign banks don't have too much success here in India because they fail to understand consumer behaviour. in case of Citibank, they are only present in big cities and they're not spreading their wings here.
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You're making my point for me.
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Citibank wants the share but it's not getting on track. Their services are so highly priced for Indian customers. They have made a tie up with an Indian Bank yet they are 14th on the list of private banks!
https://www.forbesindia.com/article/explainers/private-banks-in-india/90671/1