presence of a monopoly operator, very poor banking infrastructure and availability of a  1  Source – NPCI. BIS central bankers’ speeches  5  national identification number. Is it not surprising that the same success story has not been repeated by the same service operator in a neighbouring country? Cross border remittance through mobile banking 14.
Ladies and Gentlemen,   CICTAB, set up in 1983, has been providing an effective forum for exchange of experience in agricultural banking and related fields between different developing countries of this region.