Let's break down the expression step by step:

(2.3/20 - 0.645 ÷ 0.3)
First, perform inside the parentheses:
= (0.115 - 2.15)
= -2.035

(8 ÷ 12.1/2 - 0.2 + 1/7 × 1.96)
First, perform inside the parentheses:
= (8 ÷ 6.05 - 0.2 + 0.28)
= (1.32 - 0.2 + 0.28)
= 1.4

Now we multiply the results of step 1 and step 2:
-2.035 * 1.4 = -2.849

Therefore, the final result of the expression is -2.849.