Sustainability and scalability of the BC model is essential. There are issues around BCs’ cash management services and remuneration to be paid to them. There is a need to have a close look at the problems constraining the model and to develop practical solutions that help in realizing the full potential of this channel.
More and more innovative products will have to be introduced which would benefit both banks as well as the rural people and at the same time make the BC model more viable. ii)  Differentiated banking  36. RBI is set to create a framework for licensing small banks and payments banks.