Moreover, in order to support low-income groups in the society, the government should cut profit-seeking investment and instead increase public spending, develop infrastructure facilities and improve education in the rural areas, protect natural environment and raise the effectiveness of loan projects.
There are people who may have limited capabilities to use internet or mobile services. Strive for efficiency must be done with responsibility. Prevailing agreements and promises of service with customers cannot be one-sidedly (unilaterally) broken. We cannot allow financial inclusion to deteriorate due to services development. Thirdly, pricing of payment services should promote efficiency and be based on costs. Crosssubsidization may distort price signals.