Besides, technology needs to be used to facilitate the task of rickshaw pulling, so that it becomes less physically demanding. An appropriate, customized delivery channel is equally crucial in urban areas. South Africa’s E-Bank Plan demonstrates how a commercial bank can bundle services for low-income clients.
Its uniqueness lies in its focus on sensitivity to the needs of the basic banking customer, which led to creation of a new product providing a cost efficient delivery mechanism. The idea was to offer an integrated combination of product and delivery features, including user friendly, conveniently located branches, by leveraging on technology.