In order to maximise the benefits of such efforts, banks have to take pro-active measures to: •  further strengthen their infrastructure in respect of standardisation, high levels of security and communication and networking;  •  achieve inter-branch connectivity early;  •  popularise the usage of the scheme of electronic funds transfer (EFT); and  •  institute arrangements for an RTGS environment online with a view to integrating into a secure and consolidated payment system.
By providing us with a broader view of the world, education helps each of us become the most complete person we can be. Research suggests that morehighly-educated individuals are happier on average, make better personal financial decisions, suffer fewer spells of unemployment, and enjoy better health.