In the US there are multiple supervisors, Britain has moved to a single supervisor. Germany has announced its intention to do the same, but as of now they have multiple supervisors. So separation of one supervisory function from monetary authority doesn't run counter to the move towards having a super-regulator. It should be considered desirable in future. Traditionally banks have been lending to the manufacturing sector.
Banks are already there.
They have been given guidelines for the software sector, for example, and I do not see too much of a problem in developing appropriate products for the services sector. You should never prevent entry in any market. This is the principle of competition. So periodically we should let new participants enter the market, but they have to be strong. In the new guidelines you would see that the capital requirements are substantially higher, that management has to be sound, and that they have to conform to all prudential norms.