SMEs are backbone of the country's white economy, most of them are II generation entrepreneurs and migrated from family owned business policies, and having sufficient higher educations for innovation in the existing business platform. There is scope for radical rethink and re-engineering their family owned business processes. MSMEs are holding 50% of employment of the Nation like India, unfortunately/fortunately they are in white market and there is no mechanism to distinguish the black markets.

White economy have interested in research, innovations and inventions, whereas the black economy gives birth to social evils, unemployment and antinational activities. Black money generation and money laundering is real threat to the security of the Nation. Time has come to investigate on theory of black banks of the Nation, Beware of Black Banks (3B) as it is growing exponentially with population of the Nation.

Startup projects should be intergraded with innovation and intellectual properties right and skill development programs.