A long-term vision and strategy on how technology can be harnessed to deliver on business goals needs to be framed and percolated down the organisation. b)  Appropriate technology and efficient Delivery Model: All our efforts would not bear fruit if technology issues are not addressed first. Till today, not all commercial bank and regional rural bank branches are under CBS.
Scalable financial inclusion cannot happen without stable and reliable Information and Communications Technology (ICT) based models. The transactions through the hand held front end-devices should be seamlessly integrated with banks’ back-end servers. In our interaction with the banks, we are stressing that the technology aspects deserves our immediate attention.