This requires a deep understanding of the local terrain and the organizational ability to find cost-effective ways to cater to the requirements of financial services in each terrain. There are, of course, some universal or replicable components, which are either already in play or will become so shortly.
Saturation coverage by the telecommunication network allows the use of low-cost wireless handheld devices to actually play the role of a bank branch, significantly reducing the cost of expansion. The impending introduction of the Unique Identification Number will significantly improve the efficiency of the KYC process as well as allowing full mobility across the networks of individual banks.